{"id":9464,"date":"2026-10-16T18:36:06","date_gmt":"2026-10-16T16:36:06","guid":{"rendered":"https:\/\/hallmarkpro.co.za\/?page_id=9464"},"modified":"2026-10-21T17:25:28","modified_gmt":"2026-10-21T15:25:28","slug":"healthcare-resources-2027","status":"publish","type":"page","link":"https:\/\/hallmarkpro.co.za\/?page_id=9464","title":{"rendered":"Healthcare Resources 2027"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"9464\" class=\"elementor elementor-9464\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2ec0148 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2ec0148\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-40b0375\" data-id=\"40b0375\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-33d67fb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"33d67fb\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-inner-column elementor-element elementor-element-58d0af1\" data-id=\"58d0af1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1b94223 elementor-widget elementor-widget-heading\" data-id=\"1b94223\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Healthcare Resources 2027<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35b0600 elementor-widget elementor-widget-heading\" data-id=\"35b0600\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">About this page<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-459f90c elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"459f90c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 []\">This page has been created for HPS clients, members and associated individuals to provide convenient access to relevant information, guides and documents relating to medical schemes, health insurance and gap cover for the 2027 benefit year.<\/p><p><strong>Important Notice:<\/strong> Every effort is made to ensure that the information provided is accurate and current. However, benefits, contributions, terms and conditions may change, and documents published on this page may become outdated. HPS accepts no responsibility for any errors, omissions or outdated information. Please verify all information with the relevant provider&#8217;s official website or documentation before making any decisions. The latest official information and applicable policy or scheme rules will take precedence.<\/p><p>If you identify any errors or outdated information, or have suggestions for improving this resource, please let us know. You are also welcome to contact us if you require further assistance or clarification.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-b043a2c\" data-id=\"b043a2c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f21c0ea elementor-widget__width-initial elementor-toc--minimized-on-tablet elementor-widget elementor-widget-table-of-contents\" data-id=\"f21c0ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;exclude_headings_by_selector&quot;:[],&quot;no_headings_message&quot;:&quot;No headings were found on this page.&quot;,&quot;marker_view&quot;:&quot;bullets&quot;,&quot;headings_by_tags&quot;:[&quot;h1&quot;,&quot;h2&quot;],&quot;icon&quot;:{&quot;value&quot;:&quot;fas fa-circle&quot;,&quot;library&quot;:&quot;fa-solid&quot;},&quot;minimize_box&quot;:&quot;yes&quot;,&quot;minimized_on&quot;:&quot;tablet&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tTable of Contents\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__f21c0ea\" aria-expanded=\"true\" aria-label=\"Open table of contents\"><i aria-hidden=\"true\" class=\"fas fa-chevron-down\"><\/i><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__f21c0ea\" aria-expanded=\"true\" aria-label=\"Close table of contents\"><i aria-hidden=\"true\" class=\"fas fa-chevron-up\"><\/i><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__f21c0ea\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<i class=\"elementor-toc__spinner eicon-animation-spin eicon-loading\" aria-hidden=\"true\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7920435 hps-fold-block hps-start-open elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7920435\" data-element_type=\"section\" data-e-type=\"section\" id=\"med-schemes\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ad56ce9\" data-id=\"ad56ce9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-fe57bdf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fe57bdf\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-0388943\" data-id=\"0388943\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0075f9a elementor-widget elementor-widget-heading\" data-id=\"0075f9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Main Focus<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db9235d elementor-widget elementor-widget-heading\" data-id=\"db9235d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Medical Schemes<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-inner-column elementor-element elementor-element-b172067\" data-id=\"b172067\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-729fb30 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"729fb30\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A medical scheme is a <strong>regulated, not-for-profit membership arrangement<\/strong> in which members&#8217; contributions are pooled to fund eligible healthcare costs. In South Africa, medical schemes operate under the Medical Schemes Act 131 of 1998 and are regulated by the Council for Medical Schemes.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ce39b87 hps-fold-content elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ce39b87\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-cfb9751\" data-id=\"cfb9751\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5e1f1cc elementor-widget elementor-widget-text-editor\" data-id=\"5e1f1cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Medical scheme options generally combine two broad categories of benefits: <b>major medical cover (aka Core Plan or &#8220;Hospital Plan&#8221;<\/b>\u00a0and <strong>day-to-day healthcare<\/strong> benefits. The balance between these depends on the option selected. Some options focus on essential hospital and chronic care, while others include more extensive everyday benefits.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-952c999 elementor-widget elementor-widget-accordion\" data-id=\"952c999\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1561\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1561\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Understanding Medical Scheme Benefits<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1561\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1561\"><p>Medical scheme options generally combine two broad categories of benefits: major medical cover (often referred to as a Core Plan or \u201cHospital Plan\u201d) and day-to-day healthcare benefits. The balance between these depends on the option selected. Some options focus on essential hospital and chronic care, while others provide more extensive benefits for everyday healthcare.<\/p><p>All registered medical scheme options must provide the applicable Prescribed Minimum Benefits (PMBs), as required by the Medical Schemes Act. These cover qualifying emergency medical conditions, specified medical conditions and certain chronic conditions, subject to the applicable treatment protocols and designated service provider requirements.<\/p><p>More comprehensive options may offer benefits beyond these minimum requirements, including higher reimbursement tariffs, broader provider networks and more extensive cover for certain treatments, prostheses and medicines.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1562\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1562\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Core benefits \u2014 major medical protection<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1562\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1562\"><p data-pm-slice=\"1 1 []\">Core benefits are primarily designed to protect members against the potentially high costs of serious illness, accidents and hospital treatment.<\/p><p>Benefits typically include:<\/p><ul data-spread=\"false\"><li><p><strong>Hospital admissions, surgery and related hospital expenses.<\/strong><\/p><\/li><li><p><strong>Specialist and diagnostic services<\/strong> associated with hospital treatment, including anaesthesia, pathology, radiology, scopes and scans, subject to the option&#8217;s rules.<\/p><\/li><li><p><strong>Certain day procedures<\/strong>, which may include scopes and selected dental or surgical procedures, depending on the option.<\/p><\/li><li><p><strong>Chronic disease management<\/strong> and qualifying chronic medication.<\/p><\/li><li><p><strong>Disease management programmes<\/strong> for certain serious or ongoing conditions, such as cancer, diabetes and kidney disease requiring dialysis.<\/p><\/li><li><p><strong>Selected preventative healthcare<\/strong>, such as screening, vaccinations and health assessments, depending on the option.<\/p><\/li><\/ul><p>The level of cover can vary considerably. Some options focus on PMB requirements and use designated hospital and provider networks to keep contributions affordable. Others offer broader benefits, higher specialist reimbursement tariffs (for example, 100%, 200% or more of the scheme tariff) and greater flexibility in choosing healthcare providers.<\/p><p>Importantly, a stated reimbursement level is generally calculated against the scheme&#8217;s own tariff, not necessarily the amount charged by the healthcare provider. Even a higher reimbursement percentage does not guarantee that the full account will be paid.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1563\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1563\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Day-to-day benefits \u2014 routine healthcare<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1563\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1563\"><p data-pm-slice=\"1 1 []\">Day-to-day benefits help fund more regular healthcare expenses, such as GP consultations, acute medication, certain specialist consultations, blood tests and other out-of-hospital services. Dental and optometry benefits may also be included.<\/p><p>The extent of cover depends on the option selected. Some options provide limited benefits through designated healthcare networks, while others offer defined annual benefits, a medical savings account or a combination of savings and additional insured benefits.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1564\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1564\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Common medical scheme option structures<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1564\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1564\"><p>Although terminology varies between schemes, the following descriptions provide a useful general guide:<\/p><p><strong>Core \/ Hospital Plan:<\/strong> Major medical benefits focused on hospitalisation and specified healthcare needs, with applicable PMBs and any additional chronic or preventative benefits included in the option.<\/p><p><strong>Saver:<\/strong> Major medical benefits combined with a medical savings account to fund eligible day-to-day expenses. Once the available savings have been used, members may need to pay further routine expenses themselves unless another benefit applies.<\/p><p><strong>Comprehensive:<\/strong> Major medical benefits combined with a medical savings account and, on some options, additional insured day-to-day benefits. Certain options also use an insured self-payment gap or threshold arrangement, under which additional day-to-day claims may become payable once specified conditions have been met.<\/p><p><strong>Traditional:<\/strong> Major medical benefits combined with defined day-to-day benefits, often subject to annual limits or separate benefit sub-limits rather than a medical savings account.<\/p><p><strong>Network \/ Capitation-based:<\/strong> Major medical benefits combined with specified primary healthcare services delivered through designated providers or networks. Some arrangements use capitation, whereby providers receive a predetermined payment for an agreed package of services. These options can be more affordable but may involve restrictions on provider choice and access.<\/p><p>These categories are not mutually exclusive, and not every scheme offers all of them. The actual benefits, limits, networks and conditions in the option&#8217;s benefit guide and registered rules determine the cover available.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1565\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1565\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Choosing the right level of cover<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1565\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1565\"><p data-pm-slice=\"1 1 []\">As a general rule, <strong>lower-cost options tend to offer more restricted benefits, provider networks or choice, while higher-cost options may provide broader benefits and greater flexibility<\/strong>. However, price alone does not determine the quality or suitability of cover. The benefit structure, network arrangements, exclusions, co-payments and reimbursement limits all matter.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1566\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1566\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Why a medical scheme should be the starting point<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1566\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1566\"><p data-pm-slice=\"1 1 []\">A serious accident, major operation, cancer diagnosis or other complex medical condition can result in substantial healthcare expenses, potentially running into hundreds of thousands or even millions of rand.<\/p><p>For this reason, we generally recommend considering a medical scheme with adequate major medical cover as the starting point for healthcare protection. Even a more basic hospital-focused option can provide an important level of financial protection against eligible major medical expenses, alongside the statutory PMB benefits.<\/p><p>Where affordability is a concern, a lower-cost medical scheme option may be worth considering before relying solely on health insurance. The aim is to establish a suitable foundation of medical protection and then assess whether additional day-to-day benefits or complementary products are appropriate.<\/p><p data-pm-slice=\"1 1 []\"><strong>Health insurance is not the same as medical scheme cover.<\/strong> Local health insurance products generally pay defined benefits in accordance with their policy terms, rather than funding eligible healthcare expenses on the same basis as a registered medical scheme. Depending on the policy, the amount paid may be substantially less than the actual cost of treatment, leaving the insured person exposed to significant expenses.<\/p><p>International health insurance can operate differently and may provide broader medical expense cover, depending on the policy. However, products should be compared on their actual terms, exclusions, limits and scope of cover rather than assumed to be equivalent.<\/p><p>The appropriate solution will depend on your healthcare needs, affordability and the level of financial risk you are prepared to retain.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b939db3 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b939db3\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-inner-column elementor-element elementor-element-604368f\" data-id=\"604368f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-09370de hps-fold-summary elementor-widget elementor-widget-text-editor\" data-id=\"09370de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 []\">Read about how medical schemes are structured, the benefits they provide, and why a medical scheme should form the foundation of your healthcare protection&#8230;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-17f60d4\" data-id=\"17f60d4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ddcc2bf elementor-align-right hps-fold-button elementor-widget elementor-widget-button\" data-id=\"ddcc2bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Read Less \u2191<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b028de5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b028de5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ac16c36\" data-id=\"ac16c36\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-b0cc7a6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"b0cc7a6\" data-element_type=\"section\" data-e-type=\"section\" id=\"discovery\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c261de2\" data-id=\"c261de2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a172063 elementor-widget elementor-widget-heading\" data-id=\"a172063\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Discovery Health Medical Scheme 2027<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-27aaa70 elementor-widget elementor-widget-text-editor\" data-id=\"27aaa70\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Please read over the Discoverer Oct 2026 for an update on 2027 developments and benefit changes:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-009dede elementor-align-left elementor-widget elementor-widget-button\" data-id=\"009dede\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#elementor-action%3Aaction%3Dpopup%3Aopen%26settings%3DeyJpZCI6Ijk3MzYiLCJ0b2dnbGUiOmZhbHNlfQ%3D%3D\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Read our summary<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c9abbed\" data-id=\"c9abbed\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c4d3153 elementor-widget elementor-widget-image\" data-id=\"c4d3153\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9558\" target=\"_blank\">\n\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"168\" src=\"https:\/\/hallmarkpro.co.za\/wp-content\/uploads\/2026\/10\/2026-09-Discoverer-Image-300x168.png\" class=\"attachment-medium size-medium wp-image-9638\" alt=\"\" srcset=\"https:\/\/hallmarkpro.co.za\/wp-content\/uploads\/2026\/10\/2026-09-Discoverer-Image-300x168.png 300w, https:\/\/hallmarkpro.co.za\/wp-content\/uploads\/2026\/10\/2026-09-Discoverer-Image.png 409w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-639b898 elementor-widget elementor-widget-text-editor\" data-id=\"639b898\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"filedeck\" id=\"fdk-d2eb256e-70c2-45c3-8dac-ece69ce89da3\"\n\t\t\t\t\t\tdata-preset=\"compact\" \t\t\tdata-per-page=\"50\"\n\t\t\tdata-layout=\"table\"\n\t\t\t\t\t\t\t\t\tdata-group-by=\"category\" \t\t\tdata-fdk-ga=\"0\"\n\t\t\tdata-hovercard=\"1\"\n\t\t\tdata-copy-link=\"1\"\n\t\t\tdata-loadmore=\"0\"\n\t\t\tdata-infinite=\"0\"\n\t\t\tdata-leads=\"0\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdata-empty-filtered=\"No documents match your search.\"\n\t\t\tdata-count-one=\"1 document\"\n\t\t\tdata-count-all=\"%d documents\"\n\t\t\tdata-count-some=\"%1$s of %2$s\"\n\t\t\t\t\t\t\tstyle=\"--fdk-accent: #d65151;\"\n\t\t\t>\n\n\t\t\t\n\t\t\t<div class=\"fdk-controls\">\n\t\t\t\t<span class=\"fdk-search-field\">\n\t\t\t\t\t<svg class=\"fdk-search-icon\" viewBox=\"0 0 24 24\" width=\"15\" height=\"15\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" focusable=\"false\" aria-hidden=\"true\"><circle cx=\"11\" cy=\"11\" r=\"8\"\/><path d=\"m21 21-4.35-4.35\"\/><\/svg>\n\t\t\t\t\t<input type=\"search\" class=\"fdk-search\"\n\t\t\t\t\t\tplaceholder=\"Search documents\u2026\"\n\t\t\t\t\t\taria-label=\"Search documents\" \/>\n\t\t\t\t\t<span class=\"fdk-search-spin\" aria-hidden=\"true\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t<details class=\"fdk-multi fdk-filter-cat\"\n\t\t\tdata-filter-kind=\"term\"\n\t\t\tdata-facet-key=\"cat\"\n\t\t\t>\n\t\t\t<summary class=\"fdk-multi-toggle\" aria-label=\"Filter by category\">\n\t\t\t\t<span class=\"fdk-multi-summary\"\n\t\t\t\t\tdata-all=\"All categories\"\n\t\t\t\t\t\t\t\t\t\tdata-many=\"%d selected\">All categories<\/span>\n\t\t\t<\/summary>\n\t\t\t<div class=\"fdk-multi-panel\" role=\"group\" aria-label=\"Filter by category\">\n\t\t\t\t\t\t\t\t\t<label class=\"fdk-multi-opt\">\n\t\t\t\t\t\t<input type=\"checkbox\" value=\"dhms_addinfo2027\"\n\t\t\t\t\t\t\tdata-label=\"DHMS Additional Info\"\n\t\t\t\t\t\t\t \/>\n\t\t\t\t\t\t<span class=\"fdk-multi-name\">DHMS Additional Info<\/span>\n\t\t\t\t\t\t<span class=\"fdk-multi-count\">7<\/span>\n\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t<label class=\"fdk-multi-opt\">\n\t\t\t\t\t\t<input type=\"checkbox\" value=\"dhms_apps2027\"\n\t\t\t\t\t\t\tdata-label=\"DHMS Applications\"\n\t\t\t\t\t\t\t \/>\n\t\t\t\t\t\t<span class=\"fdk-multi-name\">DHMS Applications<\/span>\n\t\t\t\t\t\t<span class=\"fdk-multi-count\">7<\/span>\n\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t<label class=\"fdk-multi-opt\">\n\t\t\t\t\t\t<input type=\"checkbox\" value=\"dhms_overview_docs2027\"\n\t\t\t\t\t\t\tdata-label=\"DHMS Overview Documents\"\n\t\t\t\t\t\t\t \/>\n\t\t\t\t\t\t<span class=\"fdk-multi-name\">DHMS Overview Documents<\/span>\n\t\t\t\t\t\t<span class=\"fdk-multi-count\">2<\/span>\n\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t<label class=\"fdk-multi-opt\">\n\t\t\t\t\t\t<input type=\"checkbox\" value=\"discovery-plan-2027\"\n\t\t\t\t\t\t\tdata-label=\"Discovery Options 2027\"\n\t\t\t\t\t\t\t \/>\n\t\t\t\t\t\t<span class=\"fdk-multi-name\">Discovery Options 2027<\/span>\n\t\t\t\t\t\t<span class=\"fdk-multi-count\">9<\/span>\n\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/details>\n\t\t\t\t\t\t\t\t\t\t<span class=\"fdk-count\" aria-live=\"polite\"><\/span>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t<div class=\"fdk-active\" hidden aria-live=\"off\">\n\t\t\t\t<span class=\"fdk-active-label\">Filtered by<\/span>\n\t\t\t\t<span class=\"fdk-active-chips\"\n\t\t\t\t\tdata-remove=\"Remove filter: %s\"><\/span>\n\t\t\t\t<button type=\"button\" class=\"fdk-active-clear\">Clear all<\/button>\n\t\t\t<\/div>\n\n\t\t\t\n\t\t\t<div class=\"fdk-scroll\">\n\t\t\t\t\t\t<section class=\"fdk-group\" data-group=\"dhms_overview_docs2027\">\n\t\t\t<h3 class=\"fdk-group-title\">\n\t\t\t\tDHMS Overview Documents\t\t\t\t<span class=\"fdk-group-count\">2<\/span>\n\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t<table class=\"fdk-table\">\n\t\t\t<thead>\n\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"title\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tTitle\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"date\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tDate\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"size\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tSize\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"type\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tType\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"link\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tDownload\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<\/thead>\n\t\t\t<tbody>\n\t\t\t\t<tr data-id=\"9556\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"dhms_overview_docs2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"dhms contribution table 2027\">\n\t\t\tDHMS Contribution Table 2027\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"1113552\">\n\t\t\t1.1 MB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9556\" target=\"_blank\" rel=\"noopener\" data-doc=\"9556\" data-title=\"DHMS Contribution Table 2027\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9558\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"dhms_overview_docs2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"discovery health discoverer september 2026\">\n\t\t\tDiscovery Health Discoverer September 2026\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"19528062\">\n\t\t\t18.6 MB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9558\" target=\"_blank\" rel=\"noopener\" data-doc=\"9558\" data-title=\"Discovery Health Discoverer September 2026\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n\t\t\t<\/tbody>\n\t\t<\/table>\n\t\t<p class=\"fdk-empty\" hidden><span class=\"fdk-empty-msg\">No documents found.<\/span><\/p>\n\t\t\t\t\t\t\t<\/section>\n\t\t\t\t<section class=\"fdk-group\" data-group=\"discovery-plan-2027\">\n\t\t\t<h3 class=\"fdk-group-title\">\n\t\t\t\tDiscovery Options 2027\t\t\t\t<span class=\"fdk-group-count\">9<\/span>\n\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t<table class=\"fdk-table\">\n\t\t\t<thead>\n\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"title\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tTitle\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"date\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tDate\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"size\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tSize\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"type\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tType\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"link\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tDownload\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<\/thead>\n\t\t\t<tbody>\n\t\t\t\t<tr data-id=\"9505\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"discovery-plan-2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"dhms 2027 plan comparrison\">\n\t\t\tDHMS 2027 Plan Comparrison\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"496761\">\n\t\t\t485 KB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9505\" target=\"_blank\" rel=\"noopener\" data-doc=\"9505\" data-title=\"DHMS 2027 Plan Comparrison\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9511\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"discovery-plan-2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"dhms 2027 executive plan guide\">\n\t\t\tDHMS 2027 Executive Plan Guide\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"3726332\">\n\t\t\t3.6 MB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9511\" target=\"_blank\" rel=\"noopener\" data-doc=\"9511\" data-title=\"DHMS 2027 Executive Plan Guide\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9507\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"discovery-plan-2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"dhms 2027 comprehensive plan guide\">\n\t\t\tDHMS 2027 Comprehensive Plan Guide\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"4279950\">\n\t\t\t4.1 MB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9507\" target=\"_blank\" rel=\"noopener\" data-doc=\"9507\" data-title=\"DHMS 2027 Comprehensive Plan Guide\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9515\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"discovery-plan-2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"dhms 2027 scheme priority plan guide\">\n\t\t\tDHMS 2027 Scheme Priority Plan Guide\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"4999631\">\n\t\t\t4.8 MB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9515\" target=\"_blank\" rel=\"noopener\" data-doc=\"9515\" data-title=\"DHMS 2027 Scheme Priority Plan Guide\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9517\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"discovery-plan-2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"dhms 2027 saver plan guide\">\n\t\t\tDHMS 2027 Saver Plan Guide\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"4807503\">\n\t\t\t4.6 MB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9517\" target=\"_blank\" rel=\"noopener\" data-doc=\"9517\" data-title=\"DHMS 2027 Saver Plan Guide\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9521\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"discovery-plan-2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"dhms 2027 smart saver plan guide\">\n\t\t\tDHMS 2027 Smart Saver Plan Guide\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"5289466\">\n\t\t\t5.0 MB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9521\" target=\"_blank\" rel=\"noopener\" data-doc=\"9521\" data-title=\"DHMS 2027 Smart Saver Plan Guide\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9509\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"discovery-plan-2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"dhms 2027 core plan guide\">\n\t\t\tDHMS 2027 Core Plan Guide\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"3516397\">\n\t\t\t3.4 MB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9509\" target=\"_blank\" rel=\"noopener\" data-doc=\"9509\" data-title=\"DHMS 2027 Core Plan Guide\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9519\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"discovery-plan-2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"dhms 2027 smart plan guide\">\n\t\t\tDHMS 2027 Smart Plan Guide\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"5916385\">\n\t\t\t5.6 MB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9519\" target=\"_blank\" rel=\"noopener\" data-doc=\"9519\" data-title=\"DHMS 2027 Smart Plan Guide\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9513\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"discovery-plan-2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"dhms 2027 keycare plan guide\">\n\t\t\tDHMS 2027 Keycare Plan Guide\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"11676618\">\n\t\t\t11.1 MB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9513\" target=\"_blank\" rel=\"noopener\" data-doc=\"9513\" data-title=\"DHMS 2027 Keycare Plan Guide\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n\t\t\t<\/tbody>\n\t\t<\/table>\n\t\t<p class=\"fdk-empty\" hidden><span class=\"fdk-empty-msg\">No documents found.<\/span><\/p>\n\t\t\t\t\t\t\t<\/section>\n\t\t\t\t<section class=\"fdk-group\" data-group=\"dhms_addinfo2027\">\n\t\t\t<h3 class=\"fdk-group-title\">\n\t\t\t\tDHMS Additional Info\t\t\t\t<span class=\"fdk-group-count\">7<\/span>\n\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t<table class=\"fdk-table\">\n\t\t\t<thead>\n\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"title\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tTitle\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"date\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tDate\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"size\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tSize\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"type\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tType\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"link\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tDownload\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<\/thead>\n\t\t\t<tbody>\n\t\t\t\t<tr data-id=\"9582\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"dhms_addinfo2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"2026 dhms hospital network list\">\n\t\t\t2026 DHMS Hospital Network List\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"1004672\">\n\t\t\t981 KB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9582\" target=\"_blank\" rel=\"noopener\" data-doc=\"9582\" data-title=\"2026 DHMS Hospital Network List\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9584\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"dhms_addinfo2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"2026 dhms cataract network list\">\n\t\t\t2026 DHMS Cataract Network List\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"767421\">\n\t\t\t749 KB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9584\" target=\"_blank\" rel=\"noopener\" data-doc=\"9584\" data-title=\"2026 DHMS Cataract Network List\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9586\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"dhms_addinfo2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"2026 dhms day surgery network list\">\n\t\t\t2026 DHMS Day Surgery Network List\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"1100555\">\n\t\t\t1.0 MB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9586\" target=\"_blank\" rel=\"noopener\" data-doc=\"9586\" data-title=\"2026 DHMS Day Surgery Network List\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9588\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"dhms_addinfo2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"2026 dhms keycare gp network list\">\n\t\t\t2026 DHMS Keycare Gp Network List\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"1173732\">\n\t\t\t1.1 MB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9588\" target=\"_blank\" rel=\"noopener\" data-doc=\"9588\" data-title=\"2026 DHMS Keycare Gp Network List\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9590\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"dhms_addinfo2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"2026 dhms major joints network list\">\n\t\t\t2026 DHMS Major Joints Network List\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"1083160\">\n\t\t\t1.0 MB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9590\" target=\"_blank\" rel=\"noopener\" data-doc=\"9590\" data-title=\"2026 DHMS Major Joints Network List\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9592\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"dhms_addinfo2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"2026 dhms africa benefit\">\n\t\t\t2026 DHMS Africa Benefit\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"371805\">\n\t\t\t363 KB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9592\" target=\"_blank\" rel=\"noopener\" data-doc=\"9592\" data-title=\"2026 DHMS Africa Benefit\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9594\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"dhms_addinfo2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"2026 dhms international travel benefit\">\n\t\t\t2026 DHMS International Travel Benefit\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"410937\">\n\t\t\t401 KB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9594\" target=\"_blank\" rel=\"noopener\" data-doc=\"9594\" data-title=\"2026 DHMS International Travel Benefit\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n\t\t\t<\/tbody>\n\t\t<\/table>\n\t\t<p class=\"fdk-empty\" hidden><span class=\"fdk-empty-msg\">No documents found.<\/span><\/p>\n\t\t\t\t\t\t\t<\/section>\n\t\t\t\t<section class=\"fdk-group\" data-group=\"dhms_apps2027\">\n\t\t\t<h3 class=\"fdk-group-title\">\n\t\t\t\tDHMS Applications\t\t\t\t<span class=\"fdk-group-count\">7<\/span>\n\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t<table class=\"fdk-table\">\n\t\t\t<thead>\n\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"title\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tTitle\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"date\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tDate\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"size\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tSize\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"type\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tType\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"link\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tDownload\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<\/thead>\n\t\t\t<tbody>\n\t\t\t\t<tr data-id=\"9561\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"dhms_apps2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"dhms 2027 application to add dependants\">\n\t\t\tDHMS 2027 Application To Add Dependants\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"406304\">\n\t\t\t397 KB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9561\" target=\"_blank\" rel=\"noopener\" data-doc=\"9561\" data-title=\"DHMS 2027 Application To Add Dependants\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9563\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"dhms_apps2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"dhms 2027 application to join dhms\">\n\t\t\tDHMS 2027 Application To Join DHMS\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"608876\">\n\t\t\t595 KB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9563\" target=\"_blank\" rel=\"noopener\" data-doc=\"9563\" data-title=\"DHMS 2027 Application To Join DHMS\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9565\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"dhms_apps2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"dhms 2027 application to join employer keycare essential samrt\">\n\t\t\tDHMS 2027 Application To Join Employer KeyCare Essential Samrt\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"323046\">\n\t\t\t315 KB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9565\" target=\"_blank\" rel=\"noopener\" data-doc=\"9565\" data-title=\"DHMS 2027 Application To Join Employer KeyCare Essential Samrt\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9567\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"dhms_apps2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"dhms 2027 application to join employer group limited uw\">\n\t\t\tDHMS 2027 Application To Join Employer Group Limited UW\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"394954\">\n\t\t\t386 KB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9567\" target=\"_blank\" rel=\"noopener\" data-doc=\"9567\" data-title=\"DHMS 2027 Application To Join Employer Group Limited UW\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9569\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"dhms_apps2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"dhms 2027 application to join employer group\">\n\t\t\tDHMS 2027 Application To Join Employer Group\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"331453\">\n\t\t\t324 KB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9569\" target=\"_blank\" rel=\"noopener\" data-doc=\"9569\" data-title=\"DHMS 2027 Application To Join Employer Group\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9571\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"dhms_apps2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"dhms 2027 application to move from another scheme\">\n\t\t\tDHMS 2027 Application To Move From Another Scheme\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"418605\">\n\t\t\t409 KB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9571\" target=\"_blank\" rel=\"noopener\" data-doc=\"9571\" data-title=\"DHMS 2027 Application To Move From Another Scheme\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9573\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"dhms_apps2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"dhms 2027 employer application to join employer group\">\n\t\t\tDHMS 2027 Employer Application To Join Employer Group\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"2577043\">\n\t\t\t2.5 MB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9573\" target=\"_blank\" rel=\"noopener\" data-doc=\"9573\" data-title=\"DHMS 2027 Employer Application To Join Employer Group\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n\t\t\t<\/tbody>\n\t\t<\/table>\n\t\t<p class=\"fdk-empty\" hidden><span class=\"fdk-empty-msg\">No documents found.<\/span><\/p>\n\t\t\t\t\t\t\t<\/section>\n\t\t<p class=\"fdk-empty\" hidden><span class=\"fdk-empty-msg\">No documents found.<\/span><\/p>\n\t\t\t\t\t\t\t\t<div class=\"fdk-scroll-end\" aria-hidden=\"true\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<nav class=\"fdk-pagination\" aria-label=\"Document library pagination\"><\/nav>\n\n\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<script class=\"fdk-index\" type=\"application\/json\">\n[{\"id\":9556,\"text\":\"DHMS Contribution Table 2027   DHMS Overview Documents  contribution-table.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"dhms_overview_docs2027\"],\"tags\":[],\"facets\":{},\"title\":\"DHMS Contribution Table 2027\",\"cat\":\"DHMS Overview Documents\",\"type\":\"PDF\",\"size\":\"1.1 MB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"},{\"id\":9558,\"text\":\"Discovery Health Discoverer September 2026   DHMS Overview Documents  discovery-health-discoverer-september-2026.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"dhms_overview_docs2027\"],\"tags\":[],\"facets\":{},\"title\":\"Discovery Health Discoverer September 2026\",\"cat\":\"DHMS Overview Documents\",\"type\":\"PDF\",\"size\":\"18.6 MB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"},{\"id\":9561,\"text\":\"DHMS 2027 Application To Add Dependants   DHMS Applications  2027-Application-to-Add-dependants.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"dhms_apps2027\"],\"tags\":[],\"facets\":{},\"title\":\"DHMS 2027 Application To Add Dependants\",\"cat\":\"DHMS Applications\",\"type\":\"PDF\",\"size\":\"397 KB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"},{\"id\":9563,\"text\":\"DHMS 2027 Application To Join DHMS   DHMS Applications  2027-Application-to-join-DHMS.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"dhms_apps2027\"],\"tags\":[],\"facets\":{},\"title\":\"DHMS 2027 Application To Join DHMS\",\"cat\":\"DHMS Applications\",\"type\":\"PDF\",\"size\":\"595 KB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"},{\"id\":9565,\"text\":\"DHMS 2027 Application To Join Employer KeyCare Essential Samrt   DHMS Applications  2027-Application-to-join-Employer-KeyCare-Essential-Samrt.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"dhms_apps2027\"],\"tags\":[],\"facets\":{},\"title\":\"DHMS 2027 Application To Join Employer KeyCare Essential Samrt\",\"cat\":\"DHMS Applications\",\"type\":\"PDF\",\"size\":\"315 KB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"},{\"id\":9567,\"text\":\"DHMS 2027 Application To Join Employer Group Limited UW   DHMS Applications  2027-Application-to-join-Employer-Group-limited-UW.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"dhms_apps2027\"],\"tags\":[],\"facets\":{},\"title\":\"DHMS 2027 Application To Join Employer Group Limited UW\",\"cat\":\"DHMS Applications\",\"type\":\"PDF\",\"size\":\"386 KB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"},{\"id\":9569,\"text\":\"DHMS 2027 Application To Join Employer Group   DHMS Applications  2027-Application-to-join-Employer-Group.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"dhms_apps2027\"],\"tags\":[],\"facets\":{},\"title\":\"DHMS 2027 Application To Join Employer Group\",\"cat\":\"DHMS Applications\",\"type\":\"PDF\",\"size\":\"324 KB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"},{\"id\":9571,\"text\":\"DHMS 2027 Application To Move From Another Scheme   DHMS Applications  2027-Application-to-move-from-another-scheme.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"dhms_apps2027\"],\"tags\":[],\"facets\":{},\"title\":\"DHMS 2027 Application To Move From Another Scheme\",\"cat\":\"DHMS Applications\",\"type\":\"PDF\",\"size\":\"409 KB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"},{\"id\":9573,\"text\":\"DHMS 2027 Employer Application To Join Employer Group   DHMS Applications  2027-Employer-Application-to-join-Employer-Group.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"dhms_apps2027\"],\"tags\":[],\"facets\":{},\"title\":\"DHMS 2027 Employer Application To Join Employer Group\",\"cat\":\"DHMS Applications\",\"type\":\"PDF\",\"size\":\"2.5 MB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"},{\"id\":9582,\"text\":\"2026 DHMS Hospital Network List   DHMS Additional Info  2026-DHMS-Hospital-network-list.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"dhms_addinfo2027\"],\"tags\":[],\"facets\":{},\"title\":\"2026 DHMS Hospital Network List\",\"cat\":\"DHMS Additional Info\",\"type\":\"PDF\",\"size\":\"981 KB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"},{\"id\":9584,\"text\":\"2026 DHMS Cataract Network List   DHMS Additional Info  2026-dhms-cataract-network-list.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"dhms_addinfo2027\"],\"tags\":[],\"facets\":{},\"title\":\"2026 DHMS Cataract Network List\",\"cat\":\"DHMS Additional Info\",\"type\":\"PDF\",\"size\":\"749 KB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"},{\"id\":9586,\"text\":\"2026 DHMS Day Surgery Network List   DHMS Additional Info  2026-dhms-day-surgery-network-list.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"dhms_addinfo2027\"],\"tags\":[],\"facets\":{},\"title\":\"2026 DHMS Day Surgery Network List\",\"cat\":\"DHMS Additional Info\",\"type\":\"PDF\",\"size\":\"1.0 MB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"},{\"id\":9588,\"text\":\"2026 DHMS Keycare Gp Network List   DHMS Additional Info  2026-dhms-keycare-gp-network-list.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"dhms_addinfo2027\"],\"tags\":[],\"facets\":{},\"title\":\"2026 DHMS Keycare Gp Network List\",\"cat\":\"DHMS Additional Info\",\"type\":\"PDF\",\"size\":\"1.1 MB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"},{\"id\":9590,\"text\":\"2026 DHMS Major Joints Network List   DHMS Additional Info  2026-dhms-major-joints-network-list.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"dhms_addinfo2027\"],\"tags\":[],\"facets\":{},\"title\":\"2026 DHMS Major Joints Network List\",\"cat\":\"DHMS Additional Info\",\"type\":\"PDF\",\"size\":\"1.0 MB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"},{\"id\":9592,\"text\":\"2026 DHMS Africa Benefit   DHMS Additional Info  africa-benefit.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"dhms_addinfo2027\"],\"tags\":[],\"facets\":{},\"title\":\"2026 DHMS Africa Benefit\",\"cat\":\"DHMS Additional Info\",\"type\":\"PDF\",\"size\":\"363 KB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"},{\"id\":9594,\"text\":\"2026 DHMS International Travel Benefit   DHMS Additional Info  international-travel-benefit.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"dhms_addinfo2027\"],\"tags\":[],\"facets\":{},\"title\":\"2026 DHMS International Travel Benefit\",\"cat\":\"DHMS Additional Info\",\"type\":\"PDF\",\"size\":\"401 KB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"},{\"id\":9505,\"text\":\"DHMS 2027 Plan Comparrison   Discovery Options 2027  2027-Plan-Comparrison.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"discovery-plan-2027\"],\"tags\":[],\"facets\":{},\"title\":\"DHMS 2027 Plan Comparrison\",\"cat\":\"Discovery Options 2027\",\"type\":\"PDF\",\"size\":\"485 KB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"},{\"id\":9511,\"text\":\"DHMS 2027 Executive Plan Guide   Discovery Options 2027  discovery-health-medical-scheme-executive-plan-guide-1.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"discovery-plan-2027\"],\"tags\":[],\"facets\":{},\"title\":\"DHMS 2027 Executive Plan Guide\",\"cat\":\"Discovery Options 2027\",\"type\":\"PDF\",\"size\":\"3.6 MB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"},{\"id\":9507,\"text\":\"DHMS 2027 Comprehensive Plan Guide   Discovery Options 2027  discovery-health-medical-scheme-comprehensive-plan-guide-1.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"discovery-plan-2027\"],\"tags\":[],\"facets\":{},\"title\":\"DHMS 2027 Comprehensive Plan Guide\",\"cat\":\"Discovery Options 2027\",\"type\":\"PDF\",\"size\":\"4.1 MB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"},{\"id\":9515,\"text\":\"DHMS 2027 Scheme Priority Plan Guide   Discovery Options 2027  discovery-health-medical-scheme-priority-plan-guide-1.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"discovery-plan-2027\"],\"tags\":[],\"facets\":{},\"title\":\"DHMS 2027 Scheme Priority Plan Guide\",\"cat\":\"Discovery Options 2027\",\"type\":\"PDF\",\"size\":\"4.8 MB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"},{\"id\":9517,\"text\":\"DHMS 2027 Saver Plan Guide   Discovery Options 2027  discovery-health-medical-scheme-saver-plan-guide-1.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"discovery-plan-2027\"],\"tags\":[],\"facets\":{},\"title\":\"DHMS 2027 Saver Plan Guide\",\"cat\":\"Discovery Options 2027\",\"type\":\"PDF\",\"size\":\"4.6 MB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"},{\"id\":9521,\"text\":\"DHMS 2027 Smart Saver Plan Guide   Discovery Options 2027  discovery-health-medical-scheme-smart-saver-plan-guide-1.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"discovery-plan-2027\"],\"tags\":[],\"facets\":{},\"title\":\"DHMS 2027 Smart Saver Plan Guide\",\"cat\":\"Discovery Options 2027\",\"type\":\"PDF\",\"size\":\"5.0 MB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"},{\"id\":9509,\"text\":\"DHMS 2027 Core Plan Guide   Discovery Options 2027  discovery-health-medical-scheme-core-plan-guide-1.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"discovery-plan-2027\"],\"tags\":[],\"facets\":{},\"title\":\"DHMS 2027 Core Plan Guide\",\"cat\":\"Discovery Options 2027\",\"type\":\"PDF\",\"size\":\"3.4 MB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"},{\"id\":9519,\"text\":\"DHMS 2027 Smart Plan Guide   Discovery Options 2027  discovery-health-medical-scheme-smart-plan-guide-1.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"discovery-plan-2027\"],\"tags\":[],\"facets\":{},\"title\":\"DHMS 2027 Smart Plan Guide\",\"cat\":\"Discovery Options 2027\",\"type\":\"PDF\",\"size\":\"5.6 MB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"},{\"id\":9513,\"text\":\"DHMS 2027 Keycare Plan Guide   Discovery Options 2027  discovery-health-medical-scheme-keycare-plan-guide-1.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"discovery-plan-2027\"],\"tags\":[],\"facets\":{},\"title\":\"DHMS 2027 Keycare Plan Guide\",\"cat\":\"Discovery Options 2027\",\"type\":\"PDF\",\"size\":\"11.1 MB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"}]\n<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-109c399b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"109c399b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-48983079\" data-id=\"48983079\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4771392e elementor-widget elementor-widget-heading\" data-id=\"4771392e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">COMLIMENTARY COVER<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41a76b02 elementor-widget elementor-widget-heading\" data-id=\"41a76b02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">GAP Cover<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-31e08018\" data-id=\"31e08018\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4adba85d elementor-widget elementor-widget-text-editor\" data-id=\"4adba85d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Gap Cover is short-term insurance designed to protect against <strong>shortfalls on major medical and hospital-related claims<\/strong>. It complements your medical scheme by helping cover certain costs the scheme does not pay in full.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c10b8dc hps-fold-block hps-start-open elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c10b8dc\" data-element_type=\"section\" data-e-type=\"section\" id=\"gap-explain\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8801e07\" data-id=\"8801e07\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d3d23d1 hps-fold-content elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d3d23d1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ac632c1\" data-id=\"ac632c1\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-431573f elementor-widget elementor-widget-image\" data-id=\"431573f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"660\" height=\"291\" src=\"https:\/\/hallmarkpro.co.za\/wp-content\/uploads\/2026\/10\/GAP-660.webp\" class=\"attachment-large size-large wp-image-9681\" alt=\"\" srcset=\"https:\/\/hallmarkpro.co.za\/wp-content\/uploads\/2026\/10\/GAP-660.webp 660w, https:\/\/hallmarkpro.co.za\/wp-content\/uploads\/2026\/10\/GAP-660-300x132.webp 300w\" sizes=\"(max-width: 660px) 100vw, 660px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2bac19 elementor-widget elementor-widget-heading\" data-id=\"a2bac19\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">What is GAP Cover<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-634c165 elementor-widget elementor-widget-text-editor\" data-id=\"634c165\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Its main purpose is to bridge the difference between <strong>(GAP)<\/strong> what specialists, surgeons and anaesthetists charge and what your scheme pays.<\/p><p>Depending on the policy, it may also cover:<\/p><ul data-spread=\"false\"><li><p><strong>Co-payments and deductibles<\/strong> for hospital admissions, day procedures, scans and scopes.<\/p><\/li><li><p><strong>Out-of-network penalties<\/strong> imposed by your medical scheme.<\/p><\/li><li><p><strong>Extended benefits<\/strong>, such as casualty and oncology cover.<\/p><\/li><\/ul><p>Benefits, limits and exclusions vary by policy, so cover is always subject to the applicable terms and conditions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7e9615b\" data-id=\"7e9615b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-01fda52 elementor-widget elementor-widget-accordion\" data-id=\"01fda52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2081\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2081\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What Gap Cover Is \u2014 and What It Is Not<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2081\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2081\"><p data-pm-slice=\"1 1 []\">Your medical scheme remains the <strong>foundation of your healthcare protection<\/strong>. It provides cover for eligible healthcare expenses in accordance with your selected option and the scheme\u2019s rules.<\/p><p><b>GAP Cover is complementary<\/b>: it is intended to extend that protection by helping with certain shortfalls and co-payments. It does not replace medical scheme membership, provide the same breadth of cover as a medical scheme, or guarantee that every unpaid expense will be covered.<\/p><p>In most cases, you must first submit the eligible expense to your medical scheme. Gap Cover then assesses the remaining shortfall against the benefits and conditions of your policy.<\/p><p>It is important to remember that Gap Cover is not comprehensive day-to-day medical insurance. Routine GP visits, ordinary specialist consultations, medication and other everyday expenses are generally not covered unless a specific policy benefit provides otherwise.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2082\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2082\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Why Is Gap Cover Becoming More Relevant?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2082\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2082\"><p data-pm-slice=\"1 1 []\">Medical schemes face continuing pressure from rising healthcare costs, increased utilisation, medical technology, new treatments and changing demographic profiles. They must balance the cost of claims with affordable member contributions and the need to maintain financial sustainability.<\/p><p>To manage these pressures, schemes may introduce or adjust co-payments, benefit sub-limits, preferred-provider networks and other funding restrictions. These measures can help control costs and contributions, but may also leave members exposed to greater out-of-pocket expenses, particularly when they require specialist treatment or choose providers who charge above scheme tariffs.<\/p><p>Gap cover has therefore become an increasingly relevant part of healthcare planning. It can provide an additional layer of financial protection against certain unexpected shortfalls, helping to reduce the risk that an otherwise well-planned healthcare arrangement results in a significant unanticipated bill.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2083\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2083\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Important Limitations<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2083\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2083\"><p data-pm-slice=\"1 1 []\">Gap cover is not unlimited protection. Policies have specific benefit limits, annual maximums, exclusions, waiting periods and other conditions. Some benefits apply only to specified procedures or circumstances, and claims must meet the policy&#8217;s requirements.<\/p><p>There may also be a cash-flow consideration: healthcare providers can require payment before the medical scheme and Gap insurer have finalised their respective claims. You may need to pay an amount upfront and recover eligible benefits afterwards.<\/p><p>The right policy should therefore be assessed against your medical scheme option, likely healthcare needs, provider preferences, affordability and tolerance for out-of-pocket costs.<\/p><p><strong>The principle is simple: protect the foundation first, then consider how best to extend it.<\/strong> Your medical scheme provides the core cover; Gap cover is a complementary layer designed to help bridge certain gaps in that cover \u2014 not replace it.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2084\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2084\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What is the annual limit?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2084\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2084\"><p data-pm-slice=\"1 1 []\">Gap Cover is subject to a regulatory overall annual limit per insured person. For the period <strong>1 April 2026 to 31 March 2027, this limit is approximately R226,881 per person per year<\/strong>.<\/p><p>This is the overall regulatory ceiling, not a guaranteed payout. Individual benefits within a policy may have substantially lower limits, and claims remain subject to the policy\u2019s terms, exclusions and qualifying requirements.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2085\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2085\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Gap Cover versus the Self-payment Gap<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2085\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2085\"><p data-pm-slice=\"1 1 []\"><strong>Gap Cover<\/strong> helps with eligible shortfalls on major medical and hospital-related claims, such as specialist fees and specified co-payments.<\/p><p>The <strong>Self-payment Gap<\/strong> is a day-to-day funding gap on certain comprehensive medical scheme options. Once your medical savings are exhausted, you pay eligible expenses yourself until you reach the scheme\u2019s threshold. The Above Threshold Benefit (ATB) may then kick in, subject to the scheme rules.<\/p><p><strong>Gap Cover generally does not cover the Self-payment Gap<\/strong> or these day-to-day expenses. Always check your policy\u2019s terms and exclusions.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What Gap Cover Is \\u2014 and What It Is Not\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p data-pm-slice=\\\"1 1 []\\\">Your medical scheme remains the <strong>foundation of your healthcare protection<\\\/strong>. It provides cover for eligible healthcare expenses in accordance with your selected option and the scheme\\u2019s rules.<\\\/p><p><b>GAP Cover is complementary<\\\/b>: it is intended to extend that protection by helping with certain shortfalls and co-payments. It does not replace medical scheme membership, provide the same breadth of cover as a medical scheme, or guarantee that every unpaid expense will be covered.<\\\/p><p>In most cases, you must first submit the eligible expense to your medical scheme. Gap Cover then assesses the remaining shortfall against the benefits and conditions of your policy.<\\\/p><p>It is important to remember that Gap Cover is not comprehensive day-to-day medical insurance. Routine GP visits, ordinary specialist consultations, medication and other everyday expenses are generally not covered unless a specific policy benefit provides otherwise.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Why Is Gap Cover Becoming More Relevant?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p data-pm-slice=\\\"1 1 []\\\">Medical schemes face continuing pressure from rising healthcare costs, increased utilisation, medical technology, new treatments and changing demographic profiles. They must balance the cost of claims with affordable member contributions and the need to maintain financial sustainability.<\\\/p><p>To manage these pressures, schemes may introduce or adjust co-payments, benefit sub-limits, preferred-provider networks and other funding restrictions. These measures can help control costs and contributions, but may also leave members exposed to greater out-of-pocket expenses, particularly when they require specialist treatment or choose providers who charge above scheme tariffs.<\\\/p><p>Gap cover has therefore become an increasingly relevant part of healthcare planning. It can provide an additional layer of financial protection against certain unexpected shortfalls, helping to reduce the risk that an otherwise well-planned healthcare arrangement results in a significant unanticipated bill.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Important Limitations\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p data-pm-slice=\\\"1 1 []\\\">Gap cover is not unlimited protection. Policies have specific benefit limits, annual maximums, exclusions, waiting periods and other conditions. Some benefits apply only to specified procedures or circumstances, and claims must meet the policy&#8217;s requirements.<\\\/p><p>There may also be a cash-flow consideration: healthcare providers can require payment before the medical scheme and Gap insurer have finalised their respective claims. You may need to pay an amount upfront and recover eligible benefits afterwards.<\\\/p><p>The right policy should therefore be assessed against your medical scheme option, likely healthcare needs, provider preferences, affordability and tolerance for out-of-pocket costs.<\\\/p><p><strong>The principle is simple: protect the foundation first, then consider how best to extend it.<\\\/strong> Your medical scheme provides the core cover; Gap cover is a complementary layer designed to help bridge certain gaps in that cover \\u2014 not replace it.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"What is the annual limit?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p data-pm-slice=\\\"1 1 []\\\">Gap Cover is subject to a regulatory overall annual limit per insured person. For the period <strong>1 April 2026 to 31 March 2027, this limit is approximately R226,881 per person per year<\\\/strong>.<\\\/p><p>This is the overall regulatory ceiling, not a guaranteed payout. Individual benefits within a policy may have substantially lower limits, and claims remain subject to the policy\\u2019s terms, exclusions and qualifying requirements.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Gap Cover versus the Self-payment Gap\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p data-pm-slice=\\\"1 1 []\\\"><strong>Gap Cover<\\\/strong> helps with eligible shortfalls on major medical and hospital-related claims, such as specialist fees and specified co-payments.<\\\/p><p>The <strong>Self-payment Gap<\\\/strong> is a day-to-day funding gap on certain comprehensive medical scheme options. Once your medical savings are exhausted, you pay eligible expenses yourself until you reach the scheme\\u2019s threshold. The Above Threshold Benefit (ATB) may then kick in, subject to the scheme rules.<\\\/p><p><strong>Gap Cover generally does not cover the Self-payment Gap<\\\/strong> or these day-to-day expenses. Always check your policy\\u2019s terms and exclusions.<\\\/p>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-c16a842 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c16a842\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-inner-column elementor-element elementor-element-7522e94\" data-id=\"7522e94\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-da846c2 hps-fold-summary elementor-widget elementor-widget-text-editor\" data-id=\"da846c2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Read more about <strong>what GAP cover is<\/strong>, what it <strong>isn&#8217;t<\/strong>, <strong>why it is becoming more relevant<\/strong> and other important aspects&#8230;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-28fabdb\" data-id=\"28fabdb\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a8b367d elementor-align-right hps-fold-button elementor-widget elementor-widget-button\" data-id=\"a8b367d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Read Less \u2191<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e5d9a70 hps-fold-block hps-start-open elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e5d9a70\" data-element_type=\"section\" data-e-type=\"section\" id=\"stratum-gap\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6b6dfbf\" data-id=\"6b6dfbf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-46c12ad elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"46c12ad\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-51a904c\" data-id=\"51a904c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7d7ab5f elementor-widget elementor-widget-heading\" data-id=\"7d7ab5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Stratum GAP 2027<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ccf6acb elementor-widget elementor-widget-text-editor\" data-id=\"ccf6acb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>See:\u00a0 <a href=\"https:\/\/www.stratumbenefits.co.za\/gap-cover-options\/\" target=\"_blank\" rel=\"noopener\">Stratum Benefits GAP Cover webpage<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b4a342 elementor-widget elementor-widget-text-editor\" data-id=\"4b4a342\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Read:\u00a0 <a href=\"https:\/\/hallmarkpro.co.za\/?filedeck_document=2027-the-stratum-times\" target=\"_blank\" rel=\"noopener\">The Stratum Times<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-d5173bc\" data-id=\"d5173bc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a7afeb4 elementor-widget__width-initial elementor-widget elementor-widget-video\" data-id=\"a7afeb4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=OPOWxlFNfIY&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-915f0bb elementor-widget elementor-widget-text-editor\" data-id=\"915f0bb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 []\">We like Stratum Benefits!\u00a0 We believe they offer good value for money, with a competitive range of Gap Cover options. While their system transition presented some challenges over the past year, our experience with them over time has been positive, and we continue to regard them as a good option for our clients.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-46e6109 hps-fold-content elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"46e6109\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-1dc2243\" data-id=\"1dc2243\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d1574af elementor-widget elementor-widget-text-editor\" data-id=\"d1574af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Stratum GAP Cover \u2013 2027 product comparison<\/strong><\/p><table style=\"width: 95%; margin-left: 32px; border-collapse: collapse;\"><colgroup> <col style=\"width: 20%;\" \/> <col style=\"width: 50%;\" \/> <col style=\"width: 30%;\" \/> <\/colgroup><thead><tr><th>Option<\/th><th>Key features and positioning<\/th><th>HallmarkPro Assessment<\/th><\/tr><\/thead><tbody><tr><td>Luma300<\/td><td>Individual-only cover with 300% medical expense shortfall cover, co-payment benefits, cancer-related benefits, selected preventative care, casualty cover and complimentary international travel insurance for qualifying leisure travel. Premiums are age-based: 35 and younger, and 36 and older.<\/td><td>Young professionals, single adults and older <strong>individuals who do not need dependent cover.<\/strong><br \/>\u2605\u2605\u2606\u2606\u2606 2\/5<\/td><td>\u00a0<\/td><\/tr><tr><td>Compact300<\/td><td>A balanced family-cover option with 300% medical expense shortfall cover, admission and procedure co-payments, cancer benefits, internal prosthetic device shortfalls and selected scan benefits. The 2027 enhancements include a scan top-up benefit of up to R4,000 per policy per year and a cancer treatment top-up of R65,000.<\/td><td><strong>Young families and cost-conscious<\/strong> households wanting broad, practical protection.<br \/>\u2605\u2605\u2605\u2606\u2606 3\/5<\/td><td>\u00a0<\/td><\/tr><tr><td>Meridian400<\/td><td>400% medical expense shortfall cover, with selected benefits for penalty co-payments, cancer treatment, scan and casualty expenses. A useful middle ground for clients concerned about specialist tariffs and significant hospital-related shortfalls.<\/td><td>Families and older members wanting <strong>stronger specialist shortfall protection<\/strong> without moving to the top-tier option.<br \/>\u2605\u2605\u2605\u2605\u2606 4\/5<\/td><td>\u00a0<\/td><\/tr><tr><td><p>Elite500<\/p><\/td><td>500% medical expense shortfall cover, with enhanced protection for selected co-payments, robotic surgery, cancer treatment, scans, prosthetic devices, rehabilitation and outpatient specialist expenses. Particularly worth considering where the cost of specialist treatment and the potential financial impact of major medical events are priorities.<\/td><td>Clients wanting the <strong>highest level of conventional gap cover<\/strong> and broader supplementary protection.<br \/>\u2605\u2605\u2605\u2605\u2605 5\/5<\/td><td>\u00a0<\/td><\/tr><tr><td>Access Optimiser<\/td><td>Focuses on specified procedures and treatments that may not be covered by the medical scheme, such as certain joint replacements, back or neck surgery, scopes and selected dental procedures. It is not a substitute for conventional gap cover.<\/td><td>Members <strong>whose medical scheme option excludes specific procedures<\/strong> and who need targeted supplementary cover.<br \/>\u2605\u2605\u2606\u2606\u2606 2\/5<\/td><td>\u00a0<\/td><\/tr><tr><td>Access Co-Pay Plus300<\/td><td>Combines cover for qualifying procedures excluded by the medical scheme with additional protection for eligible medical expense shortfalls and co-payments. Its suitability depends on the scheme&#8217;s exclusions and the policy&#8217;s specified benefits.<\/td><td>Members needing specified-procedure protection together with selected gap cover and co-payment benefits.<br \/>\u2605\u2605\u2605\u2606\u2606 3\/5<\/td><td>\u00a0<\/td><\/tr><\/tbody><\/table><p data-pm-slice=\"1 1 []\"><strong>Stratum Gap Cover \u2013 key differentiators<\/strong><\/p><p style=\"padding-left: 40px;\">Stratum offers a <strong>flexible range<\/strong> of gap cover options designed to suit different needs and budgets, with <strong>premiums that are independent of your medical scheme option<\/strong> and <strong>loyalty programme status<\/strong>. Its benefits extend beyond traditional specialist shortfall cover, with selected options providing additional protection for specified procedures that may not be covered by your medical scheme.<\/p><p style=\"padding-left: 40px;\">Depending on the product selected, benefits may also include cancer treatment shortfalls and top-ups, <strong>breast reconstruction<\/strong>, qualifying <strong>outpatient specialist consultations<\/strong>, casualty expenses, and co-payment cover. This <strong>broader range of benefits<\/strong> can help address medical expenses both in and out of hospital, with the most suitable option depending on your medical scheme benefits and individual needs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-378d00b elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"378d00b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-inner-column elementor-element elementor-element-8450ded\" data-id=\"8450ded\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ec8f383 hps-fold-summary elementor-widget elementor-widget-text-editor\" data-id=\"ec8f383\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Read our <strong>summary of Stratum&#8217;s GAP<\/strong> cover options&#8230;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-e04aeb8\" data-id=\"e04aeb8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-97f45a6 elementor-align-right hps-fold-button elementor-widget elementor-widget-button\" data-id=\"97f45a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Read Less \u2191<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-cc7a7cc elementor-widget elementor-widget-text-editor\" data-id=\"cc7a7cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"filedeck\" id=\"fdk-aeb79e7e-1af6-42aa-8596-4df49999caa6\"\n\t\t\t\t\t\tdata-preset=\"compact\" \t\t\tdata-per-page=\"50\"\n\t\t\tdata-layout=\"table\"\n\t\t\t\t\t\t\t\t\tdata-group-by=\"category\" \t\t\tdata-fdk-ga=\"0\"\n\t\t\tdata-hovercard=\"1\"\n\t\t\tdata-copy-link=\"1\"\n\t\t\tdata-loadmore=\"0\"\n\t\t\tdata-infinite=\"0\"\n\t\t\tdata-leads=\"0\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdata-empty-filtered=\"No documents match your search.\"\n\t\t\tdata-count-one=\"1 document\"\n\t\t\tdata-count-all=\"%d documents\"\n\t\t\tdata-count-some=\"%1$s of %2$s\"\n\t\t\t\t\t\t\tstyle=\"--fdk-accent: #d65151;\"\n\t\t\t>\n\n\t\t\t\n\t\t\t<div class=\"fdk-controls\">\n\t\t\t\t<span class=\"fdk-search-field\">\n\t\t\t\t\t<svg class=\"fdk-search-icon\" viewBox=\"0 0 24 24\" width=\"15\" height=\"15\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" focusable=\"false\" aria-hidden=\"true\"><circle cx=\"11\" cy=\"11\" r=\"8\"\/><path d=\"m21 21-4.35-4.35\"\/><\/svg>\n\t\t\t\t\t<input type=\"search\" class=\"fdk-search\"\n\t\t\t\t\t\tplaceholder=\"Search documents\u2026\"\n\t\t\t\t\t\taria-label=\"Search documents\" \/>\n\t\t\t\t\t<span class=\"fdk-search-spin\" aria-hidden=\"true\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t<details class=\"fdk-multi fdk-filter-cat\"\n\t\t\tdata-filter-kind=\"term\"\n\t\t\tdata-facet-key=\"cat\"\n\t\t\t>\n\t\t\t<summary class=\"fdk-multi-toggle\" aria-label=\"Filter by category\">\n\t\t\t\t<span class=\"fdk-multi-summary\"\n\t\t\t\t\tdata-all=\"All categories\"\n\t\t\t\t\t\t\t\t\t\tdata-many=\"%d selected\">All categories<\/span>\n\t\t\t<\/summary>\n\t\t\t<div class=\"fdk-multi-panel\" role=\"group\" aria-label=\"Filter by category\">\n\t\t\t\t\t\t\t\t\t<label class=\"fdk-multi-opt\">\n\t\t\t\t\t\t<input type=\"checkbox\" value=\"stratum_app2027\"\n\t\t\t\t\t\t\tdata-label=\"Stratum Applications\"\n\t\t\t\t\t\t\t \/>\n\t\t\t\t\t\t<span class=\"fdk-multi-name\">Stratum Applications<\/span>\n\t\t\t\t\t\t<span class=\"fdk-multi-count\">4<\/span>\n\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t\t\t<label class=\"fdk-multi-opt\">\n\t\t\t\t\t\t<input type=\"checkbox\" value=\"stratum_option2027\"\n\t\t\t\t\t\t\tdata-label=\"Stratum Options 2027\"\n\t\t\t\t\t\t\t \/>\n\t\t\t\t\t\t<span class=\"fdk-multi-name\">Stratum Options 2027<\/span>\n\t\t\t\t\t\t<span class=\"fdk-multi-count\">5<\/span>\n\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/details>\n\t\t\t\t\t\t\t\t\t\t<span class=\"fdk-count\" aria-live=\"polite\"><\/span>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t<div class=\"fdk-active\" hidden aria-live=\"off\">\n\t\t\t\t<span class=\"fdk-active-label\">Filtered by<\/span>\n\t\t\t\t<span class=\"fdk-active-chips\"\n\t\t\t\t\tdata-remove=\"Remove filter: %s\"><\/span>\n\t\t\t\t<button type=\"button\" class=\"fdk-active-clear\">Clear all<\/button>\n\t\t\t<\/div>\n\n\t\t\t\n\t\t\t<div class=\"fdk-scroll\">\n\t\t\t\t\t\t<section class=\"fdk-group\" data-group=\"stratum_option2027\">\n\t\t\t<h3 class=\"fdk-group-title\">\n\t\t\t\tStratum Options 2027\t\t\t\t<span class=\"fdk-group-count\">5<\/span>\n\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t<table class=\"fdk-table\">\n\t\t\t<thead>\n\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"title\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tTitle\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"date\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tDate\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"size\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tSize\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"type\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tType\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"link\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tDownload\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<\/thead>\n\t\t\t<tbody>\n\t\t\t\t<tr data-id=\"9612\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"stratum_option2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"2027 the stratum times\">\n\t\t\t2027 The Stratum Times\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"536791\">\n\t\t\t524 KB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9612\" target=\"_blank\" rel=\"noopener\" data-doc=\"9612\" data-title=\"2027 The Stratum Times\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9610\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"stratum_option2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"2027 stratum individual gap cover product range single pg\">\n\t\t\t2027 Stratum Individual Gap Cover Product Range Single Pg\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"4440758\">\n\t\t\t4.2 MB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9610\" target=\"_blank\" rel=\"noopener\" data-doc=\"9610\" data-title=\"2027 Stratum Individual Gap Cover Product Range Single Pg\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9608\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"stratum_option2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"2027 stratum individual gap cover product range double pg\">\n\t\t\t2027 Stratum Individual Gap Cover Product Range Double Pg\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"4275676\">\n\t\t\t4.1 MB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9608\" target=\"_blank\" rel=\"noopener\" data-doc=\"9608\" data-title=\"2027 Stratum Individual Gap Cover Product Range Double Pg\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9602\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"stratum_option2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"2026 vs 2027 individual product range premium overview\">\n\t\t\t2026 Vs 2027 Individual Product Range Premium Overview\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"97554\">\n\t\t\t95 KB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9602\" target=\"_blank\" rel=\"noopener\" data-doc=\"9602\" data-title=\"2026 Vs 2027 Individual Product Range Premium Overview\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9604\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"stratum_option2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"2027 stratum corporate gap cover product range brochure\">\n\t\t\t2027 Stratum Corporate Gap Cover Product Range Brochure\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"3703580\">\n\t\t\t3.5 MB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9604\" target=\"_blank\" rel=\"noopener\" data-doc=\"9604\" data-title=\"2027 Stratum Corporate Gap Cover Product Range Brochure\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n\t\t\t<\/tbody>\n\t\t<\/table>\n\t\t<p class=\"fdk-empty\" hidden><span class=\"fdk-empty-msg\">No documents found.<\/span><\/p>\n\t\t\t\t\t\t\t<\/section>\n\t\t\t\t<section class=\"fdk-group\" data-group=\"stratum_app2027\">\n\t\t\t<h3 class=\"fdk-group-title\">\n\t\t\t\tStratum Applications\t\t\t\t<span class=\"fdk-group-count\">4<\/span>\n\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t<table class=\"fdk-table\">\n\t\t\t<thead>\n\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"title\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tTitle\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"date\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tDate\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"size\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tSize\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"type\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tType\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"link\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tDownload\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<\/thead>\n\t\t\t<tbody>\n\t\t\t\t<tr data-id=\"9620\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"stratum_app2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"2027 stratum individual gap cover client offer form\">\n\t\t\t2027 Stratum Individual Gap Cover Client Offer Form\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"272964\">\n\t\t\t267 KB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9620\" target=\"_blank\" rel=\"noopener\" data-doc=\"9620\" data-title=\"2027 Stratum Individual Gap Cover Client Offer Form\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9618\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"stratum_app2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"2027 stratum corporate gap cover client offer form\">\n\t\t\t2027 Stratum Corporate Gap Cover Client Offer Form\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"254144\">\n\t\t\t248 KB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9618\" target=\"_blank\" rel=\"noopener\" data-doc=\"9618\" data-title=\"2027 Stratum Corporate Gap Cover Client Offer Form\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9606\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"stratum_app2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"2027 stratum gap cover underwriting concessions for individuals\">\n\t\t\t2027 Stratum Gap Cover Underwriting Concessions For Individuals\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"131257\">\n\t\t\t128 KB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9606\" target=\"_blank\" rel=\"noopener\" data-doc=\"9606\" data-title=\"2027 Stratum Gap Cover Underwriting Concessions For Individuals\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9622\"\n\tdata-date=\"2026-10-16\"\n\t\tdata-cats=\"stratum_app2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"gap cover transfer process for individuals\">\n\t\t\tGap Cover Transfer Process For Individuals\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-16\">\n\t\t\t10\/16\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"505542\">\n\t\t\t494 KB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9622\" target=\"_blank\" rel=\"noopener\" data-doc=\"9622\" data-title=\"Gap Cover Transfer Process For Individuals\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n\t\t\t<\/tbody>\n\t\t<\/table>\n\t\t<p class=\"fdk-empty\" hidden><span class=\"fdk-empty-msg\">No documents found.<\/span><\/p>\n\t\t\t\t\t\t\t<\/section>\n\t\t<p class=\"fdk-empty\" hidden><span class=\"fdk-empty-msg\">No documents found.<\/span><\/p>\n\t\t\t\t\t\t\t\t<div class=\"fdk-scroll-end\" aria-hidden=\"true\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<nav class=\"fdk-pagination\" aria-label=\"Document library pagination\"><\/nav>\n\n\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<script class=\"fdk-index\" type=\"application\/json\">\n[{\"id\":9620,\"text\":\"2027 Stratum Individual Gap Cover Client Offer Form   Stratum Applications  2027-Individual-Gap-Cover-Client-Offer-Form.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"stratum_app2027\"],\"tags\":[],\"facets\":{},\"title\":\"2027 Stratum Individual Gap Cover Client Offer Form\",\"cat\":\"Stratum Applications\",\"type\":\"PDF\",\"size\":\"267 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pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"stratum_app2027\"],\"tags\":[],\"facets\":{},\"title\":\"2027 Stratum Corporate Gap Cover Client Offer Form\",\"cat\":\"Stratum Applications\",\"type\":\"PDF\",\"size\":\"248 KB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"},{\"id\":9606,\"text\":\"2027 Stratum Gap Cover Underwriting Concessions For Individuals  4 Stratum Applications  2027-Gap-Cover-Underwriting-Concessions-for-Individuals.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"stratum_app2027\"],\"tags\":[],\"facets\":{},\"title\":\"2027 Stratum Gap Cover Underwriting Concessions For Individuals\",\"cat\":\"Stratum Applications\",\"type\":\"PDF\",\"size\":\"128 KB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"},{\"id\":9608,\"text\":\"2027 Stratum Individual Gap Cover Product Range Double Pg   Stratum Options 2027  2027-Individual-Gap-Cover-Product-Range-Brochure-Double-page-spread.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"stratum_option2027\"],\"tags\":[],\"facets\":{},\"title\":\"2027 Stratum Individual Gap Cover Product Range Double Pg\",\"cat\":\"Stratum Options 2027\",\"type\":\"PDF\",\"size\":\"4.1 MB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"},{\"id\":9602,\"text\":\"2026 Vs 2027 Individual Product Range Premium Overview   Stratum Options 2027  2026-vs-2027-Individual-Product-Range-Premium-Overview.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"stratum_option2027\"],\"tags\":[],\"facets\":{},\"title\":\"2026 Vs 2027 Individual Product Range Premium Overview\",\"cat\":\"Stratum Options 2027\",\"type\":\"PDF\",\"size\":\"95 KB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"},{\"id\":9604,\"text\":\"2027 Stratum Corporate Gap Cover Product Range Brochure   Stratum Options 2027  2027-Corporate-Gap-Cover-Product-Range-Brochure.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"stratum_option2027\"],\"tags\":[],\"facets\":{},\"title\":\"2027 Stratum Corporate Gap Cover Product Range Brochure\",\"cat\":\"Stratum Options 2027\",\"type\":\"PDF\",\"size\":\"3.5 MB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"},{\"id\":9622,\"text\":\"Gap Cover Transfer Process For Individuals   Stratum Applications  Gap-Cover-Transfer-Process-for-Individuals.pdf pdf\",\"iso\":\"2026-10-16\",\"cats\":[\"stratum_app2027\"],\"tags\":[],\"facets\":{},\"title\":\"Gap Cover Transfer Process For Individuals\",\"cat\":\"Stratum Applications\",\"type\":\"PDF\",\"size\":\"494 KB\",\"date\":\"10\\\/16\\\/2026\",\"thumb\":\"\"}]\n<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a001052 hps-fold-block hps-start-open elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a001052\" data-element_type=\"section\" data-e-type=\"section\" id=\"disGAP\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-25f9e75\" data-id=\"25f9e75\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ca3f3cb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ca3f3cb\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-37b824c\" data-id=\"37b824c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c12b667 elementor-widget elementor-widget-heading\" data-id=\"c12b667\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Discovery GAP 2027<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e097b82\" data-id=\"e097b82\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ad4b84b hps-fold-content elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ad4b84b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-a81992a\" data-id=\"a81992a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0787921 elementor-widget elementor-widget-text-editor\" data-id=\"0787921\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Discovery GAP Cover \u2013 2027 product comparison<\/strong><\/p><div><p>\u00a0<\/p><table class=\"hps-compact-table\" style=\"width: 95%; margin-left: 32px; border-collapse: collapse;\"><colgroup> <col style=\"width: 20%;\" \/> <col style=\"width: 50%;\" \/> <col style=\"width: 30%;\" \/> <\/colgroup><thead><tr><th>Option<\/th><th>High-level Description<\/th><th>HallmarkPro Assessment<\/th><\/tr><\/thead><tbody><tr><td>Discovery Gap 100<\/td><td>Entry-level cover providing up to 100% of the medical scheme rate towards approved in-hospital specialist shortfalls. Includes a limited procedural deductible benefit for certain Discovery Health Medical Scheme plans.<\/td><td><strong>Basic<\/strong> \u2013 an affordable starting point for clients wanting some protection against specialist shortfalls.<\/td><\/tr><tr><td>Discovery Gap 250<\/td><td>Mid-level cover providing up to 250% of the medical scheme rate towards approved in-hospital specialist shortfalls. Includes an additional Hospital Admission Benefit Extender of up to R7,500 per policy, plus oncology cover.<\/td><td><strong>Good<\/strong> \u2013 a balance between affordability and additional protection.<\/td><\/tr><tr><td>Discovery Gap 500<\/td><td>Comprehensive standard gap cover providing up to 500% of the medical scheme rate towards approved in-hospital specialist shortfalls. Includes an additional Hospital Admission Benefit Extender of up to R15,000 per policy, enhanced oncology cover, and additional benefits for specified scopes, scans and international travel.<\/td><td><strong>Very good<\/strong> \u2013 stronger protection against specialist shortfalls and selected additional healthcare costs.<\/td><\/tr><tr><td>Discovery Gap 500 Plus Pro<\/td><td>Extended cover providing up to 500% of the medical scheme rate towards approved specialist shortfalls in hospital and day clinics. Also covers specified co-payments, non-network deductibles, casualty visits, certain scheme sub-limits and cancer-related shortfalls. Includes the Day-to-day Protector and a separate Oncology Protector cash benefit, subject to qualifying requirements.<\/td><td><strong>Most comprehensive<\/strong> \u2013 broader protection extending beyond traditional gap cover, particularly for casualty visits and certain day-to-day expenses.<\/td><\/tr><\/tbody><\/table><\/div><p style=\"padding-left: 40px;\">Source: Discovery&#8217;s 2027 Gap Cover brochure, pages 4\u201310, and Gap 500 Plus Pro brochure, pages 4\u201313.<\/p><p><strong>Discovery Gap Cover \u2013 key differentiators<\/strong><\/p><p style=\"padding-left: 40px;\">Discovery Gap Cover benefits from being integrated with the Discovery Health Medical Scheme claims process. Rather than requiring members to submit a separate gap cover claim, Discovery can identify potential shortfalls from the medical scheme claims information (subject to the required consent) and assess and pay eligible claims once the medical scheme has processed them.<\/p><p style=\"padding-left: 40px;\">This creates a more <strong>seamless claims experience<\/strong>. One consideration is that premiums vary according to the Discovery Health Medical Scheme plan selected, the age of the oldest member and whether single or family cover applies. Notably, members on Essential, Active and Coastal plans can pay higher Gap Cover premiums than members on Executive and Classic plans, despite having lower levels of medical scheme benefits. Clients should therefore consider the combined cost of their medical scheme and gap cover when comparing options.<\/p><p><strong>Does Vitality status affect the benefits?<\/strong><br \/><strong><br \/><\/strong><\/p><p style=\"padding-left: 40px;\">Yes, but the effect differs between the standard Gap Cover options and Gap 500 Plus Pro.<\/p><ul><li style=\"list-style-type: none;\"><ul><li><div><div style=\"padding-left: 40px;\"><p style=\"padding-left: 40px;\">Gap 500 and Gap 250: Vitality Health status affects the value of the Annual Hospital Admission Benefit Extender. Higher status levels, from Blue\/None through to Diamond, unlock higher additional benefit amounts. For example, on Gap 500 for a single member on an MSA plan, the benefit ranges from R3,800 at Blue\/None to R7,500 at Diamond. Gap 250 has a lower benefit scale.<\/p><\/div><\/div><\/li><li><div><div style=\"padding-left: 40px;\"><p style=\"padding-left: 40px;\">Gap 100: The Vitality integration benefits do not apply.<\/p><\/div><\/div><\/li><li><div><div style=\"padding-left: 40px;\"><p style=\"padding-left: 40px;\">Gap 500 Plus Pro: The Day-to-day Protector and Oncology Protector benefits are linked to completing specified health actions, including a Health Check and engagement with Personal Health Pathways. The Oncology Protector can pay up to R250,000, depending on the benefits unlocked and the qualifying diagnosis. This is not simply a benefit determined by your Vitality status tier.<\/p><\/div><\/div><\/li><\/ul><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-ec1ce67 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ec1ce67\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-inner-column elementor-element elementor-element-a097510\" data-id=\"a097510\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7e42f2d hps-fold-summary elementor-widget elementor-widget-text-editor\" data-id=\"7e42f2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Read our <strong>summary of Discovery&#8217;s GAP<\/strong> options&#8230;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-62c7ade\" data-id=\"62c7ade\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b9cb991 elementor-align-right hps-fold-button elementor-widget elementor-widget-button\" data-id=\"b9cb991\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div 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\/>\n\t\t\t\t\t<span class=\"fdk-search-spin\" aria-hidden=\"true\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t<details class=\"fdk-multi fdk-filter-cat\"\n\t\t\tdata-filter-kind=\"term\"\n\t\t\tdata-facet-key=\"cat\"\n\t\t\t>\n\t\t\t<summary class=\"fdk-multi-toggle\" aria-label=\"Filter by category\">\n\t\t\t\t<span class=\"fdk-multi-summary\"\n\t\t\t\t\tdata-all=\"All categories\"\n\t\t\t\t\t\t\t\t\t\tdata-many=\"%d selected\">All categories<\/span>\n\t\t\t<\/summary>\n\t\t\t<div class=\"fdk-multi-panel\" role=\"group\" aria-label=\"Filter by category\">\n\t\t\t\t\t\t\t\t\t<label class=\"fdk-multi-opt\">\n\t\t\t\t\t\t<input type=\"checkbox\" value=\"discovery_gap2027\"\n\t\t\t\t\t\t\tdata-label=\"Discovery GAP 2027\"\n\t\t\t\t\t\t\t \/>\n\t\t\t\t\t\t<span class=\"fdk-multi-name\">Discovery GAP 2027<\/span>\n\t\t\t\t\t\t<span class=\"fdk-multi-count\">2<\/span>\n\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/details>\n\t\t\t\t\t\t\t\t\t\t<span class=\"fdk-count\" aria-live=\"polite\"><\/span>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t<div class=\"fdk-active\" hidden aria-live=\"off\">\n\t\t\t\t<span class=\"fdk-active-label\">Filtered by<\/span>\n\t\t\t\t<span class=\"fdk-active-chips\"\n\t\t\t\t\tdata-remove=\"Remove filter: %s\"><\/span>\n\t\t\t\t<button type=\"button\" class=\"fdk-active-clear\">Clear all<\/button>\n\t\t\t<\/div>\n\n\t\t\t\n\t\t\t<div class=\"fdk-scroll\">\n\t\t\t\t\t\t<section class=\"fdk-group\" data-group=\"discovery_gap2027\">\n\t\t\t<h3 class=\"fdk-group-title\">\n\t\t\t\tDiscovery GAP 2027\t\t\t\t<span class=\"fdk-group-count\">2<\/span>\n\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t<table class=\"fdk-table\">\n\t\t\t<thead>\n\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"title\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tTitle\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"date\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tDate\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"size\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tSize\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"type\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tType\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"link\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tDownload\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<\/thead>\n\t\t\t<tbody>\n\t\t\t\t<tr data-id=\"9819\"\n\tdata-date=\"2026-10-17\"\n\t\tdata-cats=\"discovery_gap2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"2027 gap brochure\">\n\t\t\t2027 GAP Brochure\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-17\">\n\t\t\t10\/17\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"6470600\">\n\t\t\t6.2 MB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9819\" target=\"_blank\" rel=\"noopener\" data-doc=\"9819\" data-title=\"2027 GAP Brochure\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9821\"\n\tdata-date=\"2026-10-17\"\n\t\tdata-cats=\"discovery_gap2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"2027 gap plus pro 500 brochure\">\n\t\t\t2027 GAP Plus Pro 500 Brochure\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-17\">\n\t\t\t10\/17\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"8586959\">\n\t\t\t8.2 MB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9821\" target=\"_blank\" rel=\"noopener\" data-doc=\"9821\" data-title=\"2027 GAP Plus Pro 500 Brochure\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n\t\t\t<\/tbody>\n\t\t<\/table>\n\t\t<p class=\"fdk-empty\" hidden><span class=\"fdk-empty-msg\">No documents found.<\/span><\/p>\n\t\t\t\t\t\t\t<\/section>\n\t\t<p class=\"fdk-empty\" hidden><span class=\"fdk-empty-msg\">No documents found.<\/span><\/p>\n\t\t\t\t\t\t\t\t<div class=\"fdk-scroll-end\" aria-hidden=\"true\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<nav class=\"fdk-pagination\" aria-label=\"Document library pagination\"><\/nav>\n\n\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<script class=\"fdk-index\" type=\"application\/json\">\n[{\"id\":9819,\"text\":\"2027 GAP Brochure   Discovery GAP 2027  2027-GAP-Brochure.pdf pdf\",\"iso\":\"2026-10-17\",\"cats\":[\"discovery_gap2027\"],\"tags\":[],\"facets\":{},\"title\":\"2027 GAP Brochure\",\"cat\":\"Discovery GAP 2027\",\"type\":\"PDF\",\"size\":\"6.2 MB\",\"date\":\"10\\\/17\\\/2026\",\"thumb\":\"\"},{\"id\":9821,\"text\":\"2027 GAP Plus Pro 500 Brochure   Discovery GAP 2027  2027-GAP-Plus-pro-500-Brochure.pdf pdf\",\"iso\":\"2026-10-17\",\"cats\":[\"discovery_gap2027\"],\"tags\":[],\"facets\":{},\"title\":\"2027 GAP Plus Pro 500 Brochure\",\"cat\":\"Discovery GAP 2027\",\"type\":\"PDF\",\"size\":\"8.2 MB\",\"date\":\"10\\\/17\\\/2026\",\"thumb\":\"\"}]\n<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-baca490 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"baca490\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9630f86\" data-id=\"9630f86\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-61915c1 elementor-widget elementor-widget-heading\" data-id=\"61915c1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\">AFFORDABLE COVER<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9361979 elementor-widget elementor-widget-heading\" data-id=\"9361979\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Health Insurance<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-fd243d6\" data-id=\"fd243d6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9e1e4bd elementor-widget elementor-widget-text-editor\" data-id=\"9e1e4bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Health insurance offers a more <strong>affordable<\/strong> way to provide employees with access to certain healthcare services, but it is <strong>not a substitute for a medical scheme<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-64ef9a9 hps-fold-block hps-start-open elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"64ef9a9\" data-element_type=\"section\" data-e-type=\"section\" id=\"health-insurance\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-13f5a55\" data-id=\"13f5a55\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-fd4df5a hps-fold-content elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fd4df5a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-4aeafdc\" data-id=\"4aeafdc\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b97b70f elementor-widget elementor-widget-text-editor\" data-id=\"b97b70f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Unlike a medical scheme<\/strong>, health insurance generally pays <strong>defined benefits<\/strong> according to the terms and limits of the policy. These may be fixed amounts, or benefits payable only for specific events or circumstances. <strong>The shortfall can be substantial:<\/strong> cover may be insufficient to meet the actual cost of treatment, and certain conditions, chronic illnesses or elective procedures may fall outside the policy benefits altogether, leaving individuals reliant on the public healthcare system or required to fund the costs themselves.<\/p><p><strong>Health insurance can provide valuable, affordable access to selected healthcare services, but it does not come close to the breadth of protection offered by a medical scheme, particularly when serious, complex or expensive medical treatment is required.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e74808a\" data-id=\"e74808a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-910025c elementor-position-inline-start elementor-view-default elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"910025c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-exclamation-triangle\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h4 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tA Health Inurance is NOT the same as a Medical Scheme\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tMedical schemes operate under the Medical Schemes Act and are required to provide broad Prescribed Minimum Benefits (PMBs) for specified emergency medical conditions, certain diagnoses and treatments, and defined chronic conditions, subject to the applicable regulations. This legislative framework establishes a level of protection that health insurance is not designed to replicate, while helping to prevent insurers from effectively conducting the business of a medical scheme outside the regulated medical scheme environment.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-70a8985 hps-fold-content elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"70a8985\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-31cb005\" data-id=\"31cb005\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8381339 elementor-widget elementor-widget-text-editor\" data-id=\"8381339\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The opportunity lies in designing affordable, practical cover that meets everyday healthcare needs. <b>For lower-paid employees<\/b>, this may mean prioritising <b>emergency and casualty treatment<\/b>, with the <b>option of adding primary healthcare benefits<\/b> such as GP consultations, basic medication and other day-to-day services.<\/p><p>The objective is to provide meaningful access to essential healthcare within a <b>manageable budget<\/b>, while recognising that <span style=\"color: #3366ff;\"><b>health insurance may offer limited financial protection in the event of a major illness, serious accident or prolonged hospitalisation. <\/b><\/span>A medical scheme remains the more appropriate foundation for comprehensive protection against potentially substantial medical expenses.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5d69ecb elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5d69ecb\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-inner-column elementor-element elementor-element-ab32de3\" data-id=\"ab32de3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9755084 hps-fold-summary elementor-widget elementor-widget-text-editor\" data-id=\"9755084\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Read more about <strong>what Health Insurance is<\/strong>, how is <strong>differs from a Medical Scheme<\/strong> and some of the <strong>limitations<\/strong> to be aware of&#8230;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-dee6b11\" data-id=\"dee6b11\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-624c64c elementor-align-right hps-fold-button elementor-widget elementor-widget-button\" data-id=\"624c64c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Read Less \u2191<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-31c74e8 hps-fold-block hps-start-open elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"31c74e8\" data-element_type=\"section\" data-e-type=\"section\" id=\"strat-ins\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-23fb44a\" data-id=\"23fb44a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0f30af9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0f30af9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-5c3517f\" data-id=\"5c3517f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f9c95b3 elementor-widget elementor-widget-heading\" data-id=\"f9c95b3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Stratum Health Insurance 2027<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a2670f8 elementor-widget elementor-widget-text-editor\" data-id=\"a2670f8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>See:\u00a0 <a href=\"https:\/\/www.stratumbenefits.co.za\/health-insurance-options\/\" target=\"_blank\" rel=\"noopener\">Stratum Health Insurance webpage<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-529da9b elementor-widget elementor-widget-text-editor\" data-id=\"529da9b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Read:\u00a0 <a href=\"https:\/\/hallmarkpro.co.za\/?filedeck_document=2027-the-stratum-times\" target=\"_blank\" rel=\"noopener\">The Stratum Times<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6ff5b81\" data-id=\"6ff5b81\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e3f803f elementor-widget elementor-widget-text-editor\" data-id=\"e3f803f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"text-decoration: underline;\"><strong>Opportunities<\/strong><\/span><\/p>\n<p>Good option for <b>Domestic Workers<\/b><\/p>\n<p><b>Supplement <\/b>your Medical&nbsp; Scheme<\/p>\n<p><em>i.e. <strong>CORE<\/strong> Medical Scheme Option (Major Med)&nbsp; <\/em><strong><span style=\"color: #ff0000;\">PLUS<\/span> <em>Stratum Essential Primary Plus&nbsp;<\/em><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-43ba04d hps-fold-content elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"43ba04d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-9100fad\" data-id=\"9100fad\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-82ebf1c elementor-widget elementor-widget-heading\" data-id=\"82ebf1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Emergency &amp; Accident Benefit<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-inner-column elementor-element elementor-element-c4f2f3c\" data-id=\"c4f2f3c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-243fc5a elementor-widget elementor-widget-text-editor\" data-id=\"243fc5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Provides cover for <strong>emergency stabilisation<\/strong> at a private hospital (up to R110,000 per event), <strong>accident-related hospital<\/strong> admission (up to R1,775,000 per event) and casualty treatment for minor accidents (up to R8,750 per event). Additional benefits include <strong>accident-related MRI and CT scans<\/strong>, post-hospitalisation physiotherapy, 24-hour emergency transport through ER24, accidental death benefits and family assistance during qualifying hospital stays. Pre-authorisation and policy conditions apply.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e76609a elementor-widget elementor-widget-text-editor\" data-id=\"e76609a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-pm-slice=\"1 1 []\"><strong>An affordable way to protect your workforce.<\/strong> Particularly suited to employers looking to provide basic emergency and accident protection for lower-income employees, including <b>domestic workers<\/b>. It offers a practical way to help ensure staff have access to private emergency care when an accident or medical emergency occurs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45a184a elementor-widget elementor-widget-toggle\" data-id=\"45a184a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-7301\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-7301\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">View more detail about the Emergency and Accident Benefist<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-7301\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-7301\"><p>This option is designed to provide financial protection for <strong>qualifying emergencies and accidents<\/strong> requiring treatment at a private hospital. The benefit limits are broadly the same for individual and corporate policies.<\/p><div><table class=\"hps-compact-table\"><tbody><tr><th>Benefit<\/th><th>Cover and limits<\/th><\/tr><tr><td><strong><span style=\"color: #ff0000;\">Medical emergency<\/span><\/strong><\/td><td><strong>Up to <span style=\"text-decoration: underline;\">R110,000<\/span><\/strong> per person per event for emergency transport and outpatient stabilisation at the nearest private hospital. Does not cover hospital admission or surgery for an illness-related emergency. Further treatment may require transfer to a public hospital.<\/td><\/tr><tr><td><span style=\"color: #ff0000;\"><strong>Accident-related<\/strong><\/span> hospitalisation<\/td><td>Up to R1,775,000 per person per event for qualifying accidental injuries requiring hospital treatment and admission.<\/td><\/tr><tr><td>Casualty treatment<\/td><td>Up to R8,750 per person per event for qualifying minor accidents treated at a private hospital&#8217;s emergency or casualty unit, without admission.<\/td><\/tr><tr><td>MRI and CT scans<\/td><td>Up to R23,000 per person per year, when required during hospitalisation for an accident.<\/td><\/tr><tr><td>Post-accident rehabilitation<\/td><td>Up to R4,380 per person per year for physiotherapy or occupational therapy following accident-related hospitalisation, provided treatment is received within three months of discharge.<\/td><\/tr><tr><td>Emergency services<\/td><td>24-hour emergency assistance through ER24, including road or air ambulance transport, hospital transfers and telephonic medical advice. Repatriation of mortal remains within South Africa is limited to R7,500 per person.<\/td><\/tr><tr><td>Accidental death benefit<\/td><td>R40,000 for the principal insured and R40,000 for the spouse. R10,000 for a child dependant where death results from a motor vehicle accident.<\/td><\/tr><tr><td>Family assistance<\/td><td>Up to R1,500 per day, capped at R4,500 per admission and R20,000 per family per year, subject to qualifying hospitalisation and travel\/accommodation expenses.<\/td><\/tr><tr><td>Counselling and support<\/td><td>Unlimited 24\/7 telephonic and virtual counselling through the Essential Assistance Programme, including financial, legal, HIV and trauma support.<\/td><\/tr><\/tbody><\/table><\/div><p>Source: 2027 individual brochure, pages 8\u201310; corporate brochure, pages 8\u201310.<\/p><p><strong>Important limitations:<\/strong><\/p><p>This benefit is designed specifically for emergencies and accidental injuries. It does <strong>not<\/strong> cover routine hospital procedures, planned surgery, or the ongoing diagnosis and treatment of illnesses and chronic conditions. It should not be regarded as a substitute for comprehensive medical scheme hospital cover.<\/p><div><strong>Important differences: individual vs corporate<\/strong><ul><li><div><div>Emergency cover buy-up: The corporate brochure includes an optional buy-up that increases cover for strokes and heart attacks to R500,000 per person per event. This feature is not listed in the individual brochure, so its availability should be confirmed before presenting it as an individual option.<\/div><\/div><\/li><li><div><div>Accidental disability: The corporate brochure specifies R40,000 for permanent and total accidental disability of the principal insured. This benefit is not listed in the individual brochure&#8217;s summary.<\/div><\/div><\/li><li><div><div>Core limits: The main emergency, accident, casualty, scanning and rehabilitation limits are otherwise the same in both brochures.<\/div><\/div><\/li><\/ul><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-35f20d0 hps-fold-content elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"35f20d0\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-f1aba9d\" data-id=\"f1aba9d\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ffd3d40 elementor-widget elementor-widget-heading\" data-id=\"ffd3d40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Day-to-Day Benefit<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-inner-column elementor-element elementor-element-ed1eca7\" data-id=\"ed1eca7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-380047b elementor-widget elementor-widget-text-editor\" data-id=\"380047b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Provides access to <b>unlimited network GP<\/b> and virtual consultations, nurse consultations, <b>approved acute medication <\/b>and <b>basic blood tests and X-rays<\/b>. It also includes limited specialist consultations, treatment for specified chronic conditions, basic dental care (up to R1,600 per person per year), optical benefits (an eye test, standard frame and lenses every two years), selected maternity consultations and scans, preventative screenings, vaccinations and 24\/7 telephonic and virtual counselling. Benefits are subject to applicable limits, approved providers, formularies and policy conditions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65abbf5 elementor-widget elementor-widget-toggle\" data-id=\"65abbf5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1061\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1061\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><i class=\"fas fa-caret-right\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><i class=\"elementor-toggle-icon-opened fas fa-caret-up\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">View more detail about the Day-to-Day Benefit<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1061\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1061\"><p>This option provides access to routine primary healthcare services through the Unity Health network and approved providers.<\/p><div><table class=\"hps-compact-table\"><tbody><tr><th>Benefit<\/th><th>Cover and limits<\/th><\/tr><tr><td>GP consultations<\/td><td>Unlimited consultations with network GPs during standard consulting hours, subject to pre-authorisation and approved tariff codes. An optional GP pre-authorisation waiver is available for an additional premium.<\/td><\/tr><tr><td>Virtual GP consultations<\/td><td>Unlimited virtual consultations through the Unity Health app or member portal, without pre-authorisation.<\/td><\/tr><tr><td>Nurse consultations<\/td><td>Unlimited consultations for minor ailments at participating Alpha Pharm, Clicks, Dis-Chem and The Local Choice pharmacy clinics.<\/td><\/tr><tr><td>Telemedicine<\/td><td>Unlimited virtual GP consultations facilitated through participating pharmacy clinics.<\/td><\/tr><tr><td>Specialist consultations<\/td><td>Up to R1,775 per consultation, subject to referral, clinical review and pre-authorisation, with an overall limit of R3,700 per family per year.<\/td><\/tr><tr><td>Out-of-network GP visits<\/td><td>Up to R365 per consultation, for a maximum of two consultations per person per year, when the network GP is unavailable and the member pays upfront and claims back.<\/td><\/tr><tr><td>Acute medication<\/td><td>Unlimited medication from the approved Mediscor formulary for eligible everyday illnesses. Non-formulary medication is not covered.<\/td><\/tr><tr><td>Chronic medication<\/td><td>Unlimited approved formulary medication for specified chronic conditions, subject to registration and the applicable product&#8217;s list of covered conditions.<\/td><\/tr><tr><td>Blood tests and basic X-rays<\/td><td>Unlimited approved basic blood tests and black-and-white X-rays, subject to referrals, approved codes and specific diagnostic limitations. MRI and CT scans are not covered under this day-to-day benefit.<\/td><\/tr><tr><td>Dental care<\/td><td>Basic approved dental treatment, with a limit of R1,600 per person per year. Family limits are R3,200 for a member plus one and R4,800 for a member plus two or more.<\/td><\/tr><tr><td>Optical care<\/td><td>One eye test, one standard frame up to R599 and one pair of standard clear lenses every two years, through Specsavers and Execuspecs network optometrists.<\/td><\/tr><tr><td>Maternity consultations<\/td><td>Up to three gynaecologist consultations and three 2D ultrasound scans per person per year, subject to a R4,380 family limit and pre-authorisation. Childbirth expenses are excluded.<\/td><\/tr><tr><td>Preventative care and wellness<\/td><td>Includes specified vaccinations, screening tests and a wellness assessment, subject to the applicable product&#8217;s conditions.<\/td><\/tr><tr><td>Counselling and support<\/td><td>Unlimited 24\/7 telephonic and virtual counselling through the Essential Assistance Programme.<\/td><\/tr><\/tbody><\/table><\/div><p>Source: 2027 individual brochure, pages 4\u20137; corporate brochure, pages 4\u20137. Benefits are subject to the detailed policy conditions.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-256ac9e elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"256ac9e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-66 elementor-inner-column elementor-element elementor-element-b6f4fbe\" data-id=\"b6f4fbe\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8d1919a hps-fold-summary elementor-widget elementor-widget-text-editor\" data-id=\"8d1919a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Read our <strong>summary of Stratum&#8217;s Health Insurance<\/strong> Options:\u00a0 1. Emergency &amp; Accident Benefit and 2. Day-to-Day Benefit&#8230;<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-e26cc7c\" data-id=\"e26cc7c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3b2fd01 elementor-align-right hps-fold-button elementor-widget elementor-widget-button\" data-id=\"3b2fd01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Read Less \u2191<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-c6b6a8c elementor-widget elementor-widget-text-editor\" data-id=\"c6b6a8c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"filedeck\" id=\"fdk-cab6e73f-c191-4243-9e98-81ee4bfaf96a\"\n\t\t\t\t\t\tdata-preset=\"compact\" \t\t\tdata-per-page=\"50\"\n\t\t\tdata-layout=\"table\"\n\t\t\t\t\t\t\t\t\tdata-group-by=\"category\" \t\t\tdata-fdk-ga=\"0\"\n\t\t\tdata-hovercard=\"1\"\n\t\t\tdata-copy-link=\"1\"\n\t\t\tdata-loadmore=\"0\"\n\t\t\tdata-infinite=\"0\"\n\t\t\tdata-leads=\"0\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdata-empty-filtered=\"No documents match your search.\"\n\t\t\tdata-count-one=\"1 document\"\n\t\t\tdata-count-all=\"%d documents\"\n\t\t\tdata-count-some=\"%1$s of %2$s\"\n\t\t\t\t\t\t\tstyle=\"--fdk-accent: #d85541;\"\n\t\t\t>\n\n\t\t\t\n\t\t\t<div class=\"fdk-controls\">\n\t\t\t\t<span class=\"fdk-search-field\">\n\t\t\t\t\t<svg class=\"fdk-search-icon\" viewBox=\"0 0 24 24\" width=\"15\" height=\"15\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" focusable=\"false\" aria-hidden=\"true\"><circle cx=\"11\" cy=\"11\" r=\"8\"\/><path d=\"m21 21-4.35-4.35\"\/><\/svg>\n\t\t\t\t\t<input type=\"search\" class=\"fdk-search\"\n\t\t\t\t\t\tplaceholder=\"Search documents\u2026\"\n\t\t\t\t\t\taria-label=\"Search documents\" \/>\n\t\t\t\t\t<span class=\"fdk-search-spin\" aria-hidden=\"true\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t<details class=\"fdk-multi fdk-filter-cat\"\n\t\t\tdata-filter-kind=\"term\"\n\t\t\tdata-facet-key=\"cat\"\n\t\t\t>\n\t\t\t<summary class=\"fdk-multi-toggle\" aria-label=\"Filter by category\">\n\t\t\t\t<span class=\"fdk-multi-summary\"\n\t\t\t\t\tdata-all=\"All categories\"\n\t\t\t\t\t\t\t\t\t\tdata-many=\"%d selected\">All categories<\/span>\n\t\t\t<\/summary>\n\t\t\t<div class=\"fdk-multi-panel\" role=\"group\" aria-label=\"Filter by category\">\n\t\t\t\t\t\t\t\t\t<label class=\"fdk-multi-opt\">\n\t\t\t\t\t\t<input type=\"checkbox\" value=\"stratum_healthins_2027\"\n\t\t\t\t\t\t\tdata-label=\"Stratum Health Insurance 2027\"\n\t\t\t\t\t\t\t \/>\n\t\t\t\t\t\t<span class=\"fdk-multi-name\">Stratum Health Insurance 2027<\/span>\n\t\t\t\t\t\t<span class=\"fdk-multi-count\">4<\/span>\n\t\t\t\t\t<\/label>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/details>\n\t\t\t\t\t\t\t\t\t\t<span class=\"fdk-count\" aria-live=\"polite\"><\/span>\n\t\t\t<\/div>\n\n\t\t\t\t\t\t<div class=\"fdk-active\" hidden aria-live=\"off\">\n\t\t\t\t<span class=\"fdk-active-label\">Filtered by<\/span>\n\t\t\t\t<span class=\"fdk-active-chips\"\n\t\t\t\t\tdata-remove=\"Remove filter: %s\"><\/span>\n\t\t\t\t<button type=\"button\" class=\"fdk-active-clear\">Clear all<\/button>\n\t\t\t<\/div>\n\n\t\t\t\n\t\t\t<div class=\"fdk-scroll\">\n\t\t\t\t\t\t<section class=\"fdk-group\" data-group=\"stratum_healthins_2027\">\n\t\t\t<h3 class=\"fdk-group-title\">\n\t\t\t\tStratum Health Insurance 2027\t\t\t\t<span class=\"fdk-group-count\">4<\/span>\n\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t<table class=\"fdk-table\">\n\t\t\t<thead>\n\t\t\t\t<tr>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"title\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tTitle\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"date\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tDate\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"size\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tSize\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"type\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"fdk-sortable\" tabindex=\"0\" role=\"button\" aria-sort=\"none\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tType\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t<th scope=\"col\" data-col=\"link\"\n\t\t\t\t\t\t\t>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tDownload\t\t\t\t\t\t\t\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<\/thead>\n\t\t\t<tbody>\n\t\t\t\t<tr data-id=\"9857\"\n\tdata-date=\"2026-10-17\"\n\t\tdata-cats=\"stratum_healthins_2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"2027 corporate health insurance member application form\">\n\t\t\t2027 Corporate Health Insurance Member Application Form\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-17\">\n\t\t\t10\/17\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"292391\">\n\t\t\t286 KB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9857\" target=\"_blank\" rel=\"noopener\" data-doc=\"9857\" data-title=\"2027 Corporate Health Insurance Member Application Form\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9859\"\n\tdata-date=\"2026-10-17\"\n\t\tdata-cats=\"stratum_healthins_2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"2027 corporate health insurance product range brochure\">\n\t\t\t2027 Corporate Health Insurance Product Range Brochure\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-17\">\n\t\t\t10\/17\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"1543252\">\n\t\t\t1.5 MB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9859\" target=\"_blank\" rel=\"noopener\" data-doc=\"9859\" data-title=\"2027 Corporate Health Insurance Product Range Brochure\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9861\"\n\tdata-date=\"2026-10-17\"\n\t\tdata-cats=\"stratum_healthins_2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"2027 health insurance member application form\">\n\t\t\t2027 Health Insurance Member Application Form\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-17\">\n\t\t\t10\/17\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"295773\">\n\t\t\t289 KB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9861\" target=\"_blank\" rel=\"noopener\" data-doc=\"9861\" data-title=\"2027 Health Insurance Member Application Form\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n<tr data-id=\"9863\"\n\tdata-date=\"2026-10-17\"\n\t\tdata-cats=\"stratum_healthins_2027\"\n\tdata-tags=\"\">\n\t\t\t<td data-col=\"title\" data-label=\"Title\" data-sort=\"2027 individual health insurance product range brochure\">\n\t\t\t2027 Individual Health Insurance Product Range Brochure\t\t<\/td>\n\t\t\t<td data-col=\"date\" data-label=\"Date\" data-sort=\"2026-10-17\">\n\t\t\t10\/17\/2026\t\t<\/td>\n\t\t\t<td data-col=\"size\" data-label=\"Size\" data-sort=\"1604876\">\n\t\t\t1.5 MB\t\t<\/td>\n\t\t\t<td data-col=\"type\" data-label=\"Type\" data-sort=\"pdf\">\n\t\t\t<span class=\"fdk-badge\">PDF<\/span>\t\t<\/td>\n\t\t\t<td data-col=\"link\" data-label=\"Download\" data-sort=\"\">\n\t\t\t<a class=\"fdk-dl fdk-dl-text\" href=\"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/filedeck\/v1\/download\/9863\" target=\"_blank\" rel=\"noopener\" data-doc=\"9863\" data-title=\"2027 Individual Health Insurance Product Range Brochure\">Download<\/a>\t\t<\/td>\n\t<\/tr>\n\t\t\t<\/tbody>\n\t\t<\/table>\n\t\t<p class=\"fdk-empty\" hidden><span class=\"fdk-empty-msg\">No documents found.<\/span><\/p>\n\t\t\t\t\t\t\t<\/section>\n\t\t<p class=\"fdk-empty\" hidden><span class=\"fdk-empty-msg\">No documents found.<\/span><\/p>\n\t\t\t\t\t\t\t\t<div class=\"fdk-scroll-end\" aria-hidden=\"true\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<nav class=\"fdk-pagination\" aria-label=\"Document library pagination\"><\/nav>\n\n\t\t\t\t\t\t\n\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t<script class=\"fdk-index\" type=\"application\/json\">\n[{\"id\":9857,\"text\":\"2027 Corporate Health Insurance Member Application Form   Stratum Health Insurance 2027  2027-Corporate-Health-Insurance-Member-Application-Form.pdf pdf\",\"iso\":\"2026-10-17\",\"cats\":[\"stratum_healthins_2027\"],\"tags\":[],\"facets\":{},\"title\":\"2027 Corporate Health Insurance Member Application Form\",\"cat\":\"Stratum Health Insurance 2027\",\"type\":\"PDF\",\"size\":\"286 KB\",\"date\":\"10\\\/17\\\/2026\",\"thumb\":\"\"},{\"id\":9859,\"text\":\"2027 Corporate Health Insurance Product Range Brochure   Stratum Health Insurance 2027  2027-Corporate-Health-Insurance-Product-Range-Brochure.pdf pdf\",\"iso\":\"2026-10-17\",\"cats\":[\"stratum_healthins_2027\"],\"tags\":[],\"facets\":{},\"title\":\"2027 Corporate Health Insurance Product Range Brochure\",\"cat\":\"Stratum 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MB\",\"date\":\"10\\\/17\\\/2026\",\"thumb\":\"\"}]\n<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9344186 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9344186\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f138743\" data-id=\"f138743\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-592ea0b elementor-widget elementor-widget-html\" data-id=\"592ea0b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n<style>\r\n.hps-fold-content.hps-is-collapsed {\r\n    display: none !important;\r\n}\r\n\r\n.hps-fold-summary {\r\n    display: none;\r\n}\r\n\r\n.hps-fold-block.hps-is-collapsed .hps-fold-summary {\r\n    display: block;\r\n}\r\n\r\n\/* Show summaries while editing in Elementor *\/\r\nbody.elementor-editor-active .hps-fold-summary {\r\n    display: block !important;\r\n}\r\n\r\n.hps-fold-button .elementor-button {\r\n    background: transparent;\r\n    color: #444444;\r\n    padding: 6px 0;\r\n    border: none;\r\n    box-shadow: none;\r\n}\r\n\r\n.hps-fold-button .elementor-button:hover {\r\n    background: transparent;\r\n    color: #222222;\r\n    text-decoration: underline;\r\n}\r\n<\/style>\r\n\r\n<script>\r\n(function () {\r\n    if (window.hpsFoldHandlerInstalled) return;\r\n    window.hpsFoldHandlerInstalled = true;\r\n\r\n    const cookieDays = 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'closed' : 'open'\r\n        );\r\n    });\r\n\r\n    if (document.readyState === 'loading') {\r\n        document.addEventListener(\r\n            'DOMContentLoaded', initialiseSections\r\n        );\r\n    } else {\r\n        initialiseSections();\r\n    }\r\n})();\r\n<\/script>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Healthcare Resources 2027 About this page This page has been created for HPS clients, members and associated individuals to provide convenient access to relevant information, guides and documents relating to medical schemes, health insurance and gap cover for the 2027 benefit year. Important Notice: Every effort is made to ensure that the information provided is [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-9464","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/wp\/v2\/pages\/9464","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/hallmarkpro.co.za\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=9464"}],"version-history":[{"count":315,"href":"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/wp\/v2\/pages\/9464\/revisions"}],"predecessor-version":[{"id":10147,"href":"https:\/\/hallmarkpro.co.za\/index.php?rest_route=\/wp\/v2\/pages\/9464\/revisions\/10147"}],"wp:attachment":[{"href":"https:\/\/hallmarkpro.co.za\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=9464"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}