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Medical aid subsidy

Overview | Qualifying for the UCT medical aid subsidy | Post-retirement medical aid subsidy | Death in service medical aid subsidy |
Calculation of the subsidy percentage | Subsidy details

Overview

The UCT medical aid subsidy is available for qualifying permanent staff members appointed before 1 January 2018, new staff members appointed from 1 January 2018 do not qualify. The subsidy is available as either a post-retirement benefit or in the case of a current staff member’s death, a benefit for their dependants.

Qualifying for the UCT medical aid subsidy

To qualify for the post-retirement subsidy, the staff member must:

  • Be a permanent staff member, appointed before 1 January 2018.
  • Be a main member on the UCT medical aid scheme. If on an external registered South African medical aid scheme as either the main member or a spouse/partner dependant, the staff member must move back to the UCT medical aid scheme before retirement. This move may incur penalties, waiting periods and/or exclusions as determined by the University’s medical aid scheme.
  • If not continuously on the UCT medical aid scheme, provide proof of continuous medical aid cover for the entire employment period.

To qualify for the death in service subsidy, the staff member must have been:

  • A permanent staff member, appointed before 1 January 2018.
  • A main member on the UCT medical aid scheme (if previously on an external registered South African medical aid scheme, proof of continuous medical aid cover for the entire employment period is required).

Post retirement medical aid subsidy

When retired staff members return to UCT on appointment with benefits, i.e. in either a T2 or permanent capacity, the subsidy will be suspended during the period of employment. Ad hoc and T1 capacity contracts will retain the subsidy as these contract conditions do not include entitlement to benefits.

Death in service medical aid subsidy

Membership to the UCT medical aid scheme will continue, the spouse dependant (in the absence of a spouse dependant, the eldest child dependant) will become the main member. The UCT subsidy, calculated based on the deceased member's employment period, will be applied to the new membership (provided proof received of continuous medical aid cover). In the event of a beneficiary of a deceased member taking up appointment at UCT, the beneficiary should be entitled to continue receiving the subsidy.

Calculation of the subsidy percentage

For qualifying permanent staff members appointed between 1 June 2000 and 31 December 2017, the subsidy is 2% per year of service, up to a maximum of 50% of the cost of the subscription for the UCT medical aid scheme.

For qualifying permanent staff members appointed before 1 June 2000, there is no link between medical aid subsidy and years of service and they are automatically entitled to a 50% subsidy of the cost of the subscription for the UCT medical aid scheme.

Subsidy details

The UCT medical aid scheme is currently Discovery Health. The subsidised option, reviewed annually by Council, is the Coastal Saver plan with maximum savings.

The subsidy is applied as per the membership size and the dependants listed as at the time of retirement or death. Exceptions to this are:

  • Only a spouse/partner dependant and/or child dependant are eligible to be covered by the subsidy. No other adult dependant is covered, but may continue on the membership.
  • No grandchild can be covered by the subsidy.
Subsidy table (showing maximum subsidy, i.e. 50%)
Qualifying membership size 2014 Subsidy 2015 Subsidy 2016 Subsidy 2017 Subsidy
Main member 778 855 931 1004
Member + spouse/partner 1361 1496 1630 1757
Member + child 1091 1199 1306 1408
Member + spouse/partner + child 1674 1840 2005 2161
Member + spouse/partner + 2 children 1987 2184 2380 2565
Member + spouse/partner + 3 children 2300 2528 2755 2969
Member + 2 children 1404 1543 1681 1812
Member + 3 children 1717 1887 2056 1714

The medical aid membership is managed by UCT, therefore members are required to sign a debit order instruction with UCT for the recovery of premiums. If the premiums fall behind and no contact is made to correct bank details and settle the arrears in full, the membership will be removed from the UCT account. The subsidy eligibility will fall away and the member will be required to transfer to private capacity to continue medical aid cover.

If a spouse, partner, adult dependant, child or grandchild is added to the membership after retirement or death, the subsidy will not be extended to this dependant. When a child dependant turns 21 (adult status), their subsidy will automatically fall away. If the membership no longer contains anyone that qualifies for the subsidy, the membership will be moved into private capacity.

In the case of death of a main member receiving the subsidy (e.g. retired staff member, spouse/partner of deceased staff member), any dependants receiving the subsidy remain eligible.

Any changes to the membership will continue to be managed via the UCT Healthcare Specialist:

Debra De Gouveia-Meyer
Fax: 021 650-2968
Tel: 021 650-4001
E-mail: debra.degouveia-meyer@uct.ac.za
Internal mail: Debra De Gouveia-Meyer, Rm 113.1, Bremner Building

Page last updated: 4 July 2017