Prescribing a better way to take control of your medical expenses

The HealthCard is a Visa Electron Debit Card, issued by Mercantile Bank Limited and can be used to purchase goods and services at any medical service provider who avails of a Point of Sale Terminal facility, i.e. (Credit Card Machine).

Benefits of the HealthCard

• Any person over the age of 18 years can apply for the HealthCard regardless of whether they belong to a medical scheme, have medical insurance, or have no medical cover.
• Facilitates immediate payment to the Medical Service Provider for goods and services.
• Payments are considered as cash, which gives you bargaining power for lesser rates.
• Use of the card is far safer and more convenient than carrying cash.
• Market-related interest is earned on credit balances.
• Credit is available. (Terms and conditions apply.)
• Provision can be made to save for medical scheme shortfalls, co-payments and goods or services not covered by your medical scheme.
• Immediate financial relief at times when unexpected medical conditions occur.
• Payment receipts can still be submitted by you to your medical scheme for a refund out of available benefits according to your scheme’s rules.
• The Medical Service Provider receives immediate payment and there’s no need to submit claims to the medical scheme on your behalf.
• This manner of paying for goods and services upfront creates a way of lowering costs against your medical aid benefits and stretches these benefits further for the year. Most people run out of benefits during the last quarter of the year.
• By reducing claim costs, you and your medical scheme can benefit from lower contribution increases in the long run.