Keep calm, COVID-19 tests and treatment will not deplete Health Squared members’ savings

Drickus Maartens • March 17, 2020
The recent news of confirmed cases of COVID-19 in South Africa, the illness arising from infection with the novel coronavirus, in South Africa has many people questioning the extent to which medical schemes will cover testing and treatment associated with the emerging viral illness. 

“Members on all Health Squared benefit options, including the entry-level Foundation option, are advised that – true to our promise of ensuring members are covered from every angle – we have made provision for the full cost of COVID-19 diagnostics to be covered from the risk pool, rather than from members’ savings for at-risk members. Treatment for COVID-19 will also, of course, be fully covered from risk” says Health Squared Principal Officer David Smith. 

“Importantly, members at risk for COVID-19 will have the costs of testing for the viral infection covered irrespective of the results, as well as any associated treatments if the test comes back positive. This means that all claims will be paid from the scheme’s pool of funds reserved for risk benefits, which means that your Medical Savings Account will not be affected,” Smith confirms. This makes HEALTH SQUARED one of very few schemes, if not the only scheme, that has committed to fund diagnostic procedures from risk, irrespective of the results.
 
At-risk members who will have access to this benefit include those who:
  • Have returned from a high risk area within the last 14 days; or
  • Have been in contact with a confirmed COVID -19 Coronavirus patient, and 
  • Are showing potential symptoms, as confirmed by a medical doctor.
“The information available through the World Health Organization [WHO] indicates that the majority of people who contract COVID-19 will recover fully within a few weeks. So far, global trends indicate that approximately one in five people who fall ill with COVID-19 could require hospitalisation,” adds Dr Jacques Snyman, Medical Director of Agility Health, the scheme’s administrator and managed care provider. 

Tips to help prevent the spread of the novel coronavirus

1. Wash your hands PROPERLY
The virus that causes COVID-19 is encased in a protective covering that allows it to survive outside the body, and hence remain infectious, for longer than many other viruses. 

“For this reason, it is important to wash our hands with soap and preferably hot water for at least 20 seconds while vigorously rubbing and scrubbing all surfaces of the hand – from the fingertips, under and around the nails, between the fingers, on the palms and the backs of the hands, and the wrists up to the mid-forearm. 

“Drying the hands is very important, however you should not risk contaminating your clean hands with a towel that others have used. Disposable paper towels are a good option, and one could consider following this with a hand sanitiser or hand rub that has an alcohol content of at least 60%.

2. Regularly disinfect high-touch surfaces
Door handles, cell phones, taps, turnstiles, access key pads, fingerprint recognition systems, refrigerator or cupboard doors and ATMs are just a few of the surfaces we come into contact with frequently that could harbour traces of the novel coronavirus. 

“How long the virus can survive on surfaces depends on various factors, but the safest bet is to frequently disinfect surfaces that are touched often or by numerous people. In public spaces, in the workplace and at home, we need to start considering how we can protect ourselves and others through simple routine hygiene measures. 

3. Avoid close contact with others
Maintaining personal distance, preferably more than a metre, from other people can help to reduce the risk of infection. “Especially if a person is showing signs of respiratory illness, such as coughing or sneezing, it is advisable to keep your distance. It is believed that the virus could be contagious even before a person begins to feel ill, so it is a good idea to avoid getting close to others wherever possible.”

Dr Snyman points out that anyone who is coughing or sneezing should cover their nose and mouth, either with a tissue or with the inner crook of their elbow, to prevent droplets spraying onto people or surfaces nearby. “Dispose of the tissue in a sealed bin, and wash your hands well immediately afterwards.”

4. Hands off your face
The mouth, nose and eyes are places where the virus can easily enter the body, and it is therefore recommended that we make every effort not to touch our faces in an effort to prevent infection.

5. People with chronic illnesses must keep up their treatment
“The evidence so far indicates that those with chronic illnesses, particularly where their conditions are not properly managed, could be at increased risk of complications of COVID-19. This suggests it is crucial for people living with chronic health conditions to adhere to their prescribed treatment.

“The unique and patient-centered Patient Driven Care™ programme available to members of Health Squared offers personalised support to individuals with chronic illnesses,” Dr Snyman explains. 

Think you may have COVID-19?
“If you suspect that you may have COVID-19, it is important to phone your designated service provider and let them know your specific concerns before arriving at the practice. This will help the healthcare practitioner to make the necessary arrangements in advance, so that they can assist you while safeguarding others against possible transmission,” Dr Snyman says. 

“For most people, it is likely that the experience of COVID-19 illness will be similar to that of falling ill with influenza. There is certainly no need to panic, however it is important that we take basic precautions and incorporate these behaviours into our everyday lives,” he concluded. 
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With Rare Disease Day on the 28th of February 2025, the Rare Diseases Access Initiative (RDAI) is driving an evolution of the country’s healthcare, through innovative strategies to better care for over 4.2million people living with an estimated 7000 rare diseases. “As our healthcare system faces significant changes in the years ahead, it is vital that we also advocate for people living with rare diseases in South Africa, especially those with limited healthcare access,” said Kelly du Plessis, CEO of Rare Diseases South Africa (RDSA), a member of RDAI. “As part of our ongoing research and awareness efforts, RDAI has conducted an initial analysis of the incidence and prevalence of rare diseases within the country.” This research will assist in improving access to healthcare, policy development, and patient advocacy, while giving critical insight into the challenges faced by patients. “According to research, some rare diseases affect fewer than 1 in a million people, while others, such as Down syndrome, cystic fibrosis, and haemophilia, have a more recognisable prevalence,” says Dr. Helen Malherbe, RDAI lead researcher on rare disease prevalence data. “Many conditions are undetected, underdiagnosed or misdiagnosed, with too many having no information available about them at all.” The RDAI was formed in 2019 to promote a more favourable environment for those impacted by rare diseases in South Africa. 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Policymakers and healthcare stakeholders need to prioritise access to treatment, diagnosis, and support for rare disease patients,” says Bada Pharasi, CEO of IPASA, “Through this initiative, working collaboratively with stakeholders at every level of the healthcare supply chain, we can bring real and meaningful change to those affected, including family members and care givers, through smart and efficient strategies.” The globally agreed definition of a rare disease is any medical condition with a specific pattern of clinical signs, symptoms, and findings that affects fewer than or equal to 1 in 2000 persons in a population. “Most are genetic, and some are inherited and passed down in families,” Malherbe says. “Some affect only the patient’s genetic recipe, while others may be acquired during life due to infection, trauma, or environmental effects. For many, the cause is still unknown. “These conditions mainly affect children, as they are largely incurable and many are life-threatening. Some require specialised and co-ordinated care, some have limited and expensive treatment options, while others have no information or effective treatments at all,” she adds. The RDAI is calling for a patient-centred care model built on equitable access, transparency and efficiency. Naturally, this model calls for the open participation of patients, the healthcare industry, health professionals, and the Government. “The most critical elements are robust diagnosis standards, improved access to treatment, data collection and management, co-ordination of care, measurement of outcomes and ongoing collaborative research,” du Plessis says. “We need to establish rare disease advisory committees, map gaps and opportunities, establish system requirements, create a roadmap and plan a phased implementation with clear timelines.” The RDAI states that these policy development steps would be a start in quantifying the disease burden and defining standards of care. This would be followed by building and strengthening the capacity to facilitate appropriate diagnosis, treatment, continuity and data monitoring. Thoneshan Naidoo, Chief Executive Officer of the Health Funders Association noted that, “We appreciate the unique opportunity provided by RDAI which enables stakeholders across the industry to work together and identify strategies that improve equitable access to the appropriate diagnosis, treatment and healthcare services for rare disease patients, in an affordable and sustainable manner, taking account of the other pressing needs across the healthcare system.” “True innovation in healthcare is only possible through partnerships and joint advocacy efforts that raise awareness and improve access to treatment. Our long-term goal is the development of a rare diseases policy framework and guidelines for coordinated care,” says Pharasi. “Our members are united in the commitment to unlocking improved patient outcomes and improving access to services and robust health needs assessment facilities.” he concludes. About RDAI The Rare Diseases Access Initiative (RDAI) is dedicated to advocating for improved healthcare access, policy development, and patient support for those affected by rare diseases in South Africa. The initiative brings together key healthcare stakeholders, including pharmaceutical associations, funders, genetic specialists, and patient advocacy groups, to drive impactful change. About RDSA Founded in 2013, Rare Diseases South Africa (RDSA) is a non-profit organisation advocating to ensure that people living with rare diseases and congenital disorders experience greater recognition, support, improved health service and better overall quality of life. Started out of personal need following the diagnosis of organisation founder, Kelly du Plessis' son, it became evident that there was a lack of awareness and support for rare diseases in general in South Africa. About IPASA The Innovative Pharmaceutical Association South Africa (IPASA) is a voluntary trade association representing 24 leading pharmaceutical companies committed to research, development, and innovation. Our mission is to drive healthcare advancement by advocating for policies that improve patient access to safe, high-quality, and affordable medicines.
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