SAQA All qualifications and part qualifications registered on the National Qualifications Framework are public property. Thus the only payment that can be made for them is for service and reproduction. It is illegal to sell this material for profit. If the material is reproduced or quoted, the South African Qualifications Authority (SAQA) should be acknowledged as the source.
SOUTH AFRICAN QUALIFICATIONS AUTHORITY 
REGISTERED QUALIFICATION: 

Further Education and Training Certificate: Medical Claims Assessing 
SAQA QUAL ID QUALIFICATION TITLE
49356  Further Education and Training Certificate: Medical Claims Assessing 
ORIGINATOR
SGB Insurance and Investment 
PRIMARY OR DELEGATED QUALITY ASSURANCE FUNCTIONARY NQF SUB-FRAMEWORK
INSETA - Insurance Sector Education and Training Authority  OQSF - Occupational Qualifications Sub-framework 
QUALIFICATION TYPE FIELD SUBFIELD
Further Ed and Training Cert  Field 03 - Business, Commerce and Management Studies  Finance, Economics and Accounting 
ABET BAND MINIMUM CREDITS PRE-2009 NQF LEVEL NQF LEVEL QUAL CLASS
Undefined  150  Level 4  NQF Level 04  Regular-Unit Stds Based 
REGISTRATION STATUS SAQA DECISION NUMBER REGISTRATION START DATE REGISTRATION END DATE
Reregistered  SAQA 10105/14  2015-07-01  2018-06-30 
LAST DATE FOR ENROLMENT LAST DATE FOR ACHIEVEMENT
2019-06-30   2022-06-30  

In all of the tables in this document, both the pre-2009 NQF Level and the NQF Level is shown. In the text (purpose statements, qualification rules, etc), any references to NQF Levels are to the pre-2009 levels unless specifically stated otherwise.  

This qualification does not replace any other qualification and is not replaced by any other qualification. 

PURPOSE AND RATIONALE OF THE QUALIFICATION 
The purpose of the qualification is to build specialised knowledge and skill required by employees of Medical Schemes who have had schooling at or below NQF level 4 and those who have a professional medical qualification but lack industry and administrative experience. It is intended to empower learners to acquire knowledge, skills, attitudes and values required to operate confidently as individuals in the South African community and to respond to the challenges of the economic environment and changing world of work in the highly regulated Medical Scheme industry. It should add value to the qualifying learner in terms of enrichment of the person, status and recognition. The focus is on basic information gathering, analysis, presentation and the ability to apply knowledge of the field to adjust possible solutions to problems within given parameters and to substantiate the change.

The FETC allows the individual to work towards a nationally recognised qualification. It is flexible enough to accommodate both learners in formal education and learners already employed in the Healthcare Benefits Administration sub-sector. The qualification at this level is the start of a career path in Medical Claims Assessing.

Qualifying learners should be knowledgeable about and competent in:
  • Communication and Mathematical Literacy at a level that allows them to operate effectively in the financial services industry.
  • The nature of the Medical Scheme sub-sector within the long-term insurance sector, medical scheme cover, the healthcare market and the potential impact HIV/AIDS and current events on the long-term insurance sector and the role of managed care.
  • The policies and procedures of a specific medical scheme administrator.
  • The process followed in assessing a medical claim, the use of coding and an electronic system to assess medical claims and the control of fraud.
  • Legislation relating to the work of medical schemes.
  • Behaviour and ethics in a work environment and the implications, consequences and liability arising out of non-activity or non-compliance with relevant legislation.
  • Managing aspects of personal finances.


    Rationale

    The National Certificate in Healthcare Benefits Administration: Claims Assessing: Level 4 was registered in 2001 to meet the needs of medical aid assessors and people in call centres within the Healthcare Benefits Administration sub-sector. The qualification has been reviewed and the FETC replaces the National Certificate in Healthcare Benefits Administration: Claims Assessing: Level 4.

    The proposed qualification is more focused and fit for purpose than the registered National Certificate in Healthcare Benefits Administration: Claims Assessing: Level 4. It is intended specifically for Medical Claims Assessors and for people who require industry, administrative and medical knowledge in order to assess medical claims or to give advice on medical claims assessment decisions in a Medical Scheme Administrator. It will be useful as a bridging qualification for learners with medical and paramedical qualifications who wish to move into administrative positions in Healthcare Benefits Administration. It could also be useful for learners in call or service centres that are required to respond to queries arising out of medical claims.

    The FETC is intended for learners who:
  • Have attained the National Certificate in Financial Services: Level 3 and wish to continue on a path of life-long learning.
  • Have worked in the Healthcare Benefits Administration sub-sector for many years, but have no formal qualifications in medical claims assessing.
  • Are in a learnership agreement in the Healthcare Benefits Administration sub-sector.

    Learners employed as medical claims assessors at this level do work that requires an understanding of the Healthcare Benefits Administration sub-sector within the context of the Financial Services industry and a fundamental knowledge of legislation that applies to Medical Schemes. They require medical knowledge at a fundamental level and are required to interpret medical information in order to assess medical claims that may require an adjustment of an application of Scheme rules. 

  • LEARNING ASSUMED TO BE IN PLACE AND RECOGNITION OF PRIOR LEARNING 
    It is assumed that learners are competent in Communication and Mathematical Literacy at NQF Level 3.

    Recognition of Prior Learning
  • The FETC allows open access. Provision has been made for prior learning to be recognised if a learner is able to demonstrate competence in the knowledge, skills, values and attitudes implicit in this Qualification. Application for Recognition of Prior Learning (RPL) should be made to a relevant accredited ETQA.
  • Credit towards a Unit Standard is subject to quality assurance by a relevant accredited ETQA and is conducted by a workplace assessor.
  • This Qualification can be obtained in part or in whole through Recognition of Prior Learning
  • RPL will be done using a range of assessment tools and techniques that have been jointly decided upon by the learner and the assessor.
  • The same principles that apply to assessment of the Qualification and its associated Unit Standards apply to RPL. 

  • RECOGNISE PREVIOUS LEARNING? 

    QUALIFICATION RULES 
    The Qualification consists of a Fundamental, a Core and an Elective Component.

    To be awarded the Qualification, learners are required to obtain a minimum of 140 credits as detailed below.

    Fundamental Component:

    The Fundamental Component consists of Unit Standards in:
  • Mathematical Literacy at NQF Level 4 to the value of 16 credits.
  • Communication at NQF Level 4 in a First South African Language to the value of 20 credits.
  • Communication in a Second South African Language at NQF Level 3 to the value of 20 credits.
  • Financial Literacy at NQF Level 4 to the value of 12 credits.

    It is compulsory therefore for learners to do Communication in two different South African languages, one at NQF Level 4 and the other at NQF Level 3.

    All Unit Standards in the Fundamental Component are compulsory.

    Core Component:

    The Core Component consists of Unit Standards to the value of 62 credits all of which are compulsory.

    Elective Component:

    The Elective Component consists of Unit Standards to the value of 126credits in a number of specializations each with its own set of Unit Standards. Learners are to choose a specialization area and Elective Unit Standards at least to the value of 20 credits from the Unit standards listed under that specialization.

    Elective Component:

    Electives that add up to at least 20 credits should be selected from the allocated list of Electives. This is to allow for the holistic development of the learner and to ensure that the qualification is fit for purpose. The grouping of the Electives does not imply that learners should select Electives from only one specific category. Electives selected may relate directly to the learner's work role in an organisation or may be life skills to enhance employability.

    The Electives cover the following fields:
  • Medical Knowledge.
  • Financial Services.
  • Personal Development.
  • Management.

    There are electives that cover the major systems of the body and related impairments. These are intended for assessors who do not have medical qualifications and are required to apply medical knowledge to assess medical claims.

    Unit Standards for Trustees of Retirement Funds and Medical Schemes, including fiduciary duties have been included as learners could be elected to such positions and need to know what these positions entail. Trustee training has been identified as a national necessity by the Department of Finance and the Financial Services Board.

    Unit Standards from life skills that serve as a means of personal development for learners in a democratic South Africa have also been included as Electives.

    A number of management unit standards have been included as electives as learners may be team leaders or supervisors. The standards will add value to the qualification and ensure that learners in these positions are able to perform their management functions. They will be particularly relevant for learners who have medical or para-medical qualifications and require administrative and management skills.

    The Unit Standard on the use of codes in Healthcare Benefits Administration has been aligned to the International ICD10 codes to be introduced in South Africa in 2005. It will be the basis for training all medical practitioners and administrators in the use of the codes at an introductory level. Medical assessors will apply knowledge of the codes to assess medical claims. 

  • EXIT LEVEL OUTCOMES 
    The FETC is intended for personnel already employed in the industry and medical personnel who intend to follow a career in Healthcare Benefits Administration. The focus is on fundamental medical knowledge, an understanding of the Healthcare Benefits environment and an ability to apply appropriate processes and procedures to solve problems in a familiar context, to adjust applications when required and to motivate the change. Learners are required to apply literacy and numeracy skills to different Medical Claims Assessing contexts. They are expected to gather, analyse and evaluate information from a range of sources and to present and communicate information reliably and accurately verbally and in writing.

    Learners should have the capacity to take responsibility for their own learning within a supervised environment and should be able to evaluate their own performance and address their shortcomings.

    Exit-level Outcomes

    The learner will be capable of:

    1. Carrying out basic research tasks and applying literacy and numeracy skills to analyse, interpret and evaluate information from a range of sources within the structure of a Medical Scheme Administrator and the context of Healthcare Benefits Administration.

    2. Managing personal finances and risk.

    3. Applying knowledge of legislation, ethics, compliance and fraud in Medical Schemes Administration

    4. Applying the methods, procedures and techniques of medical claims assessing.


    Exit Level Outcomes for the Critical Cross-Field Outcomes

    The learner can demonstrate ability to
  • Identify and solve problems related to Medical Scheme Administration in which responses show that responsible decisions using critical thinking have been made. The learner is required to assess medical claims and apply the rules of medical scheme options to different situations.
  • Work effectively with others as a member of a team, group, organisation or community. As the qualification is intended to be part of a learnership it is unlikely that the learner would work alone.
  • Organise and manage oneself and one's activities responsibly and effectively in that it is expected that the learner will be responsible for his/her own learning and for organising his/her own work allocated tasks responsibly in the work environment. Work output is in line with an agreed mandate, relevant service agreements and an organisation's customer service standards applicable to medical claims assessors within a Medical Scheme environment. The learner is required to complete research assignments timeously and to apply knowledge of different aspects of Healthcare Benefits Administration.
  • Collect, organise and critically evaluate information. These competencies are built into the assessment criteria in many of the unit standards and the learner is required to do research projects and analyse information from the media.
  • Communicate effectively using visual, mathematics and language skills in the modes of oral and/or written presentations. These competencies are an integral part of all the unit standards and are built into the assessment criteria.
  • Use science and technology effectively and critically showing responsibility towards the environment and the health of others in that the Healthcare Benefits Administration environment is technology driven and very few activities take place without the application of technology. The inclusion of a standard on the use of an electronic system to assess a claim ensures that this Critical Cross Field Outcome receives attention. The learner is also expected to access information from electronic media and use a computerised database.
  • Demonstrate an understanding of the world as a set of related systems by recognising that problem-solving contexts do not exist in isolation in that references are made wherever applicable to the learner's part in the big picture, issues of compliance and how the learner's actions have implications up and down the line.

    In addition this qualification contributes to the full personal development of each learner and the social and economic development of the society at large, by making it the underlying intention of any programme of learning to make the individual aware of the importance of
  • Reflecting on and exploring a variety of strategies to learn more effectively in order to become an informed worker in Medical Scheme Administration.
  • Being culturally and aesthetically sensitive across a range of social contexts in dealing with diverse people in the workplace including customers, co-workers and people who are surveyed or interviewed.
  • Participating as a responsible citizen in the life of local, national and global communities by accepting responsibility for own financial wellness and income tax.


    The spread of Critical Cross-Field Outcomes across the Unit Standards that are classified as Core and Financial Literacy:

    Describe and apply the basic principles of personal income tax.
  • Solve problems/ make decisions
  • Organisation
  • Communicate

    Interpret basic financial statements.
  • Solve problems/ make decisions
  • Organisation
  • Communicate

    Investigate ways of managing financial risk in own lives.
  • Solve problems/ make decisions
  • Organisation
  • Information
  • Communicate
  • Related systems
  • Personal development

    Explain the cycle of a medical claim.
  • Solve problems/ make decisions
  • Information
  • Technology

    Analyse new developments reported in the media that could impact on long-term insurance.
  • Solve problems/ make decisions
  • Organisation
  • Information
  • Communicate
  • Technology
  • Related systems
  • Personal development

    Explain and apply ethical conduct in a business environment.
  • Solve problems/ make decisions
  • Team work
  • Information
  • Communicate
  • Related systems
  • Personal development

    Assess a medical claim.
  • Solve problems/ make decisions
  • Team work
  • Organisation
  • Information
  • Communicate
  • Technology
  • Related systems
  • Personal development

    Explain the use of coding in Healthcare Benefits Administration.
  • Solve problems/ make decisions
  • Communicate
  • Technology
  • Related systems

    Describe the control of fraud in Healthcare Benefits Administration.
  • Solve problems/ make decisions
  • Team work
  • Organisation
  • Information
  • Communicate
  • Technology
  • Related systems
  • Personal development

    Explain the Medicines and Related Substances Control Amendment Act, 59 of 2003 as it impacts on medical
    schemes.
  • Information

    Apply knowledge of the current Medical Schemes Act and the accompanying regulations.
  • Solve problems/ make decisions
  • Information
  • Communicate
  • Related systems

    Describe healthcare cover in South Africa.
  • Communicate
  • Related systems
  • Personal development

    Describe managed care as it is applied in Medical Scheme Administration in South Africa.
  • Organisation
  • Information
  • Communicate
  • Related systems

    Research the Medical Scheme Administrator sub-sector in South Africa.
  • Information
  • Communicate
  • Related systems

    Describe issues of compliance and/or non-activity that could result in civil or criminal liability in terms of business law.
  • Solve problems/ make decisions
  • Information
  • Communicate
  • Related systems

    Use an electronic system as a tool in a financial services context.
  • Solve problems/ make decisions
  • Communicate
  • Technology
  • Related systems
  • Personal development

    Apply knowledge of HIV/AIDS to a specific business sector and a workplace.
  • Solve problems/ make decisions
  • Team work
  • Organisation
  • Information
  • Communicate
  • Related systems
  • Personal development


    Exit points for learners who do not complete the Qualification
  • Learners will be credited with Unit Standards in which they have proved competence.
  • Learners who complete individual Unit Standards but do not complete this Qualification retain their credits. However, should the substance of the Unit Standards change, the validity of the credit towards the Qualification may be reviewed.
  • Learners who change their provider or learning site before completing the Qualification may transfer their credits to the new learning site.
  • An official, original NLRD record of learning is required as proof of learning before the learner is officially transferred to the new learning site. 

  • ASSOCIATED ASSESSMENT CRITERIA 
    Associated Assessment Criteria

    1.
  • Current events and developments that could impact on Long-term Insurance are analysed and discussed and a personal point of view is offered in the discussion indicating ability to anticipate or predict future trends.
  • Knowledge learnt in various Unit Standards and current events as they occur are integrated with a developing understanding of the long-term environment in general, and medical claims assessing in particular, so that knowledge of the industry is applied in authentic situations.
  • Important areas of Healthcare Benefits Administration are explained with reference to evolution of Medical Scheme Administration in South Africa, managed care and healthcare cover.
  • Information is gathered, analysed, summarised, and interpreted from a range of sources and presented reliably and accurately. Positions taken are motivated and substantiated.

    2.
  • The basic principles and different forms of individual income tax are explained with reference to an individual's liability and duty to pay tax.
  • Basic financial statements are analysed and used to make a personal financial decision.
  • Financial risk in own life is analysed and ways to reduce own financial risk are investigated for different types of risk.

    3.
  • Methods, procedures and techniques of medical claims assessing are explained with reference to specific company policy, legislative requirements and industry practices.
  • Information is gathered, analysed, evaluated, interpreted, recorded and presented and decisions are explained within own authority limits or mandate and with due regard for compliance.
  • The concept of ethics is explained with reference to an organisation's code of conduct and an individual's personal and property rights.
  • Own professional behaviour is assessed against an organisation's code of conduct and own performance agreement.
  • Knowledge of legislation is applied to the assessment of medical claims.
  • Risks associated with non-activity or non-compliance that could result in liability are identified within the context of medical claims assessing.

    4.
  • Methods, procedures and techniques of medical claims assessing are applied in terms of specific company policy, legislative requirements and industry practices.
  • The routes medical claims may follow are identified and a claim is assessed and processed electronically according to the rules of a selected Medical Scheme.
  • A medical claim is assessed using the correct codes.


    Integrated Assessment

    Assessment practices must be fair, transparent, valid and reliable and should ensure that no learner is disadvantaged. Learners who wish to be assessed against the competencies in the Qualification and/or associated Unit Standards should direct enquiries to the relevant ETQA.

    The focus of assessment must be on the assessment of the learning outcomes rather than learning outputs. The Specific Outcomes guide the learning and training process towards the outcomes on a continuous basis. The purpose is to determine whether the outcomes have been attained. Situations should present a wide range of options. Applications should require significant choices from a wide range of procedures and in a number of contexts.

    Learning, teaching and assessment are inextricably linked. Where appropriate, assessment of knowledge, skills, attitudes and values indicated in the various Unit Standards should be integrated. Assessment in Communication,
    Mathematical Literacy and Financial Literacy should use authentic workplace contexts wherever practical.

    Assessment has a formative monitoring function. Formative assessment should be used to assess gaps in the learners' skill and knowledge and to indicate where there is a need for expanded opportunities. The goal is to promote learning and to assess the efficacy of the teaching and learning process. Feedback from assessment informs teaching and learning and allows for the critique of outcomes, methodology and materials. Formative assessment is diagnostic and as such it should guide the learner and the trainer. It is continuous and is used to plan appropriate learning experiences to meet the learner's needs. It provides information about problems experienced at different stages in the learning process. As it is criterion referenced, if the learner has met the assessment criteria, he/she has achieved the outcomes.

    Assessment should also have a summative component. Summative assessment may be used on completion of a Unit Standard, but should not be the only form of assessment.

    A variety of methods must be used in assessment and tools and activities must be appropriate to the context in which the learner is working. Assessment should take place in an authentic context as far as is possible. Where it is not possible to assess competence in the workplace, simulations, case studies and other similar techniques should be used to provide a context appropriate to the assessment.

    Integration implies that theoretical and practical components should, where possible, be assessed together. Integrative techniques should be used to assess applied competence. Learners should be required to demonstrate that they can perform the outcomes with understanding and insight.

    Assessment should ensure that all Specific Outcomes, embedded knowledge and Critical Cross-Field Outcomes are evaluated. Assessment of the Critical Cross-Field Outcomes should be integrated with the assessment of the Specific Outcomes. The Critical Cross-Field Outcomes are implicit in some Unit Standards and programmes should be designed to extend and further reflect the integration.

    Before the FETC is awarded, learners are required to demonstrate competence in the required Unit Standards and complete a summative assessment based on the exit outcomes of the Qualification. 

  • INTERNATIONAL COMPARABILITY 
    Traditionally, the training of Medical Aid Claims Assessors in South Africa was done in-house by the larger medical schemes and expertise was accumulated through experience. There were no providers in formal education that offered courses in medical claims assessing and training varied greatly from scheme to scheme.

    The National Certificate in Healthcare Benefits: Claims Assessing: Level 4 provided a structure for training medical claims assessors in South Africa. It is not offered at any formal institution, but has provided a standard for the training of medical claims assessors within the industry.

    Different models for medical schemes are used in different countries depending on the availability of public medical facilities and National Health Systems within each country. The Board of Healthcare Funders in Johannesburg confirmed that the South African model is used only in the USA. This made the USA an obvious choice for comparison and severely restricted attempts at international comparison. The recent move into the US market by Discovery confirms the use of the South African model in the USA. Discovery has recently announced a move into the UK market but it is too early for this to have influenced the UK model.

    Representatives from one of the large reinsurers recently visited the USA to learn from their systems. After a few hours it became evident that institutions in the USA could learn more from South Africa than the study team could learn from American systems. The South African Medical Scheme environment is sophisticated and highly regulated and therefore requires specialist qualifications. There is no evidence of specialist medical claims assessing qualifications in the USA or of organisations offering specialist in house training in medical claims assessing.

    Comparing the FETC to international equivalents posed an enormous challenge. As indicated the USA was an obvious choice, but it was not possible to access American qualifications for medical claims assessors. There appears to be a different understanding of medical schemes in the USA. The SGB therefore decided to select countries based on an Internet search. In the end it was only possible to compare the FETC to broad Financial Services qualifications in The UK and Australia.


    Sites researched / organizations contacted

    Research on a number of sites suggests that medical claims assessing is probably done as in-house training without a standard or formal curriculum. It appears that in USA, Australia and UK medical scheme type activity may be more closely aligned to the medical rather than the financial services industry. The following organisations, providers and company web sites were browsed to research how their claims assessors are accredited. As the web sites provided limited or no information regarding training and education of medical assessors, the SGB contacted most of the organisations via the website contact sites to ask for co-operation in comparing standards, and received replies from USA, UK and Australia. These countries therefore became the countries for international comparison by default rather than choice. The sites have been grouped per country.

    USA
  • America's Health Insurance Plans (AHIP) - is the national association representing nearly 1,300 member companies providing health insurance cover to more than 200 million Americans. Their member companies offer medical expense insurance, long-term care insurance, disability income insurance, dental insurance, supplemental insurance, stop-loss insurance and reinsurance to consumers, employers, and public purchasers. - http://www.ahip.org
  • The Centre for Quality Assurance in International Education, (CQAIE) located at the National Centre for Higher Education in Washington, DC, is a collaborative activity of the higher education and quality and competency assurance communities both within the United States and between the United States and other country associations concerned with issues of quality and fairness in international academic and professional mobility, credentialing and recognition. The Centre facilitates the comparative study of national quality and competency assurance mechanisms to improve efforts within countries and promote mobility among national systems - http://www.cqaie.org.com
  • The International Foundation of Employee Benefit Plans is the largest educational association serving the employee benefits and compensation industry for USA and Canada. Their web site indicates that they have a certificate programme covering private healthcare, but the course outcomes are not indicated http://www.ifebp.org/default.asp
  • Destiny Health: Discovery Health has established Destiny Health in Illinois, USA. Discovery is also set to expand into the UK shortly. Since Discovery has been a stakeholder in contributing to the development of the SA unit standards, we asked Destiny for assistance, but received no response. http://www.destinyhealth.com

    UK and Ireland
  • Qualification and Curriculum Authority (UK): The Qualification and Curriculum Authority (QCA) in the United Kingdom are responsible for standards in education and training. Their site covers the schools curriculum, accreditation and monitoring of qualifications in schools, colleges and work, as well as research and statistics. http://www.qca.org.uk
  • Scottish Qualifications Authority (SQA): The website was browsed but the SQA was not contacted by email, as the financial services qualifications are governed by the same body as those in the UK - The Financial Services Council and were consulted in the comparison of the National Certificate in Financial Services: Level 2 and National Certificate in Financial Services: Level 3. http://www.sqa.org.uk
  • National Qualifications Authority of Ireland: (NQAI): The web site was browsed but the NQAI was not contacted by email. http://www.nqai.ie
  • Financial Services Skills Council - UK: The Financial Services Skills Council is licensed by the UK government to work in partnership with employers to provide strategic and responsible leadership for training, education and development for the financial services industry in the UK. http://www.fsnto.org.uk
  • The Association of British Insurers (ABI) is the trade association for the UK's insurance industry. They represent around 400 companies. Their members provide all kinds of insurance in Britain and worldwide, including savings and pensions, life insurance, and motor, household and health insurance. http://www.abi.org.uk
  • The Chartered Institute of Loss Adjusters is recognised worldwide as a leading authority on insurance claims issues. Loss adjusters are impartial claims specialists. Governed by Royal Charter, the Institute embodies core values of education, examination and professional standards. http://www.cila.co.uk/cila.html
  • The Charted Insurance Institute (CII) is a professional provider organisation for employees working in the insurance and financial services industry. It provides access to relevant qualifications for employees at all levels and across all sectors of the industry. The CII provides an elective module (790) called Private Medical Insurance which is part of their Advanced Diploma in Insurance. We received cooperation from the CII and have used this unit for the comparison that follows. http://www.cii.co.uk
  • Edexcel is a provider that provides academic and vocational qualifications. However, the insurance qualifications offered through this institute are irrelevant because they are only at level 2 and 3 and are general and intermediary related. The web site was browsed but Edexcel was not contacted by email. http://www.edexcel.org.uk

    Australia and New Zealand

    Medical claims assessing does not appear to be a specialised function in Australia and New Zealand and there are no specialised qualifications indicated in the two countries.
  • Australian Qualifications Authority: http://www.aqf.edu.au
  • New Zealand Qualifications Authority: The website was browsed but the NZQA was not contacted by email.http:// www.nzqa.govt.nz
  • The National Training Information Service (Australia): The Australian Government's National Training Information Service website provides information on the qualifications, qualification structures and the unit standards registered on the AQF. http://www.ntis.gov.au
  • National Finance Industry Training Advisor: Through various searches and links the SGB made contact with the project team responsible for scoping and rewriting the Financial Services Training Package. A training package is an integrated set of nationally endorsed competency standards, assessment guidelines and AQF qualifications for a specific industry, industry sector or enterprise. http://www.nfitab.com.au

    Africa
  • Botswana Training Authority (BOTA) BOTA has registered 164 unit standards for 3 sectors (trainers and assessors (practice standards), wholesale and retail and Information and Communications Technology), but not yet registered standards for their financial services industry. http://www.bota.org.bw
  • Namibia Association of Medical Aid Funds (NAMAF). Namaf's object is to control, promote, encourage and co-ordinate the establishment, development and functioning of funds in Namibia. (This applies to all private funds). - http://www.namaf.org.na

    Other countries

    Previous comparisons for Financial Services qualifications at Levels 2 and 3 established that a comparison in a country with an emerging economy is not possible at present. This is because the websites of the countries considered are either not presented in English or their accreditation systems are based on internal quality management systems and audits and not on alignment with national standards. The websites considered for these comparisons are:
  • Malaysian Accrediting Body: Lenbaga Akreditasi Negara: http://www:/lan.gov.my/english/index2eng.htm (English version)
  • Mexican Accrediting Body: COPAES: http://www.copaes.org.mx
  • National Assessment and Accreditation Council (India): http://www.naac-india.com


    Background and rationale for the choice of countries for comparison with the FETC

    Qualifications used for this comparison:

    As there do not appear to be specialist qualifications for medical claims assessors in other countries it was not possible to compare the FETC as a whole, and we have therefore compared discrete Unit Standards in the FETC against comparable unit standards registered for financial services qualifications on the NVQ in the United Kingdom and AQF in Australia.

    There are very few standards on the NVQ and AQF that can be compared to the Core Unit Standards FETC: Medical Claims Assessing. We have therefore compared the fundamental and elective Unit Standards to standards registered for the financial services learning pathways in the UK and Australia.

    The financial services certificates and qualifications are currently under review in Australia. Industry Units are currently in the editorial stage of the Financial Services Review. This is a formal stage undertaken prior to endorsement of the units. The industry has endorsed 15 new qualifications and 116 new units of competency. These units are not currently available on the website. This comparison is therefore based on the existing units registered on the website.

    Gina Hockley (ghockley@nfitab.com.au), who is project managing the revision of the financial services training package kindly provided the SGB with draft documentation to assist in the comparison. This sets out the qualification's pathways and map of unit standards. Unfortunately, the full standards are not available in the documentation.

    A request for information also drew a response form Chris Kennedy at the Charted Insurance Institute (CII) in the UK (chris.kennedy@cii.co.uk). The CII provides an advanced diploma in Insurance, which is set at a UK degree level. One of the units in the advanced diploma is Private medical insurance (PMI). This is a unit of study comprising 120 hours of learning, roughly equivalent to 12 credits on the South African NQF at level 6. The CII provided the SGB with an overview of the PMI unit, which enabled the SGB to compare the Core Unit Standards and outcomes in the FETC with their units at a broad level although the advanced diploma is at a higher cognitive level than the FETC.

    Level Descriptors

    UK: Competence at level 4 involves the application of knowledge in a broad range of complex, technical or professional work activities performed in a variety of contexts and with a substantial degree of personal responsibility and autonomy. Responsibility for the work of others and the allocation of resources is often present.

    Australia: Competence at level 4 involves the following:
  • Demonstrate understanding of a broad knowledge base incorporating some theoretical concepts
  • Apply solutions to a defined range of unpredictable problems
  • Identify and apply skill and knowledge areas to a wide variety of contexts with depth in some cases
  • Identify, analyse and evaluate information from a variety of sources
  • Take responsibility for own outputs in relation to specified quality standards
  • Take limited responsibility for the quantity and quality of the output of others

    Detailed comparison of fundamentals, core and electives

    Fundamentals

    Mathematical Literacy

    UK: The UK's Key skill Unit Application of Number - Level 4 has three elements (Specific outcomes)
    1. Develop a strategy for using application of number skills over an extended period of time.
    2. Monitor progress and adapt your strategy, as necessary, to achieve the quality of outcomes required in work involving:
    > Deductive and inferential reasoning
    > Algebraic modelling.
    3. Evaluate your overall strategy and present the outcomes from your work, including use of charts, graphs and diagrams to illustrate complex data.

    The UK standard is similar to the SA standards in that the use of Mathematics is applied to a work or life problem. A hypothesis is stated, and maths is used to research and evaluate a work-related problem. The UK standard is broader than the three SA standards as it does not state which mathematical strategy or methodology (statistics, algebra, geometry) the learner should use for the problem. It would seem that any of these methods (depending on the research problem) is acceptable whereas the SA learner will have to be competent against a range of mathematical methods.

    Communication

    UK: The Key Skills Unit Communication Level 4 involves:
    1. Develop a strategy for using communication skills over an extended period of time.
    2. Monitor progress and adapt your strategy, as necessary, to achieve the quality of outcomes required in work involving at least:
    > one group discussion about a complex subject
    > one document of 1,000 words or more about a complex subject.
    3. Evaluate your overall strategy and present the outcomes from your work, using at least one formal oral presentation. Include a variety of verbal, visual and other techniques to illustrate your points.

    There are some synergies with the contextualized communication unit standard - Use the writing process to compose texts required in a business environment. The UK standard requires the additional competencies of making a business presentation.

    AUSTRALIA (AQF): Communicate in the workplace, the level 4 unit standard is not available on the web site at present so it is difficult to gauge how accurately the outcomes of the two standards correspond.

    Financial Literacy

    The financial literacy unit standards in the FETC introduce entry-level financial related competencies for learners, and ensure that individuals are able to apply the financial literacy concepts in their own lives to be financially responsible and therefore more productive and responsible employees. I.e. the industry requires financially responsible and empowered employees to work with their client's money and investments. While there are no similar unit standards on the NVQ or AQF, financial literacy competencies are embedded in the unit standards that comprise their certificates. However, the application of these competencies does not extend to learners' own lives. Examples: Completion of own income tax forms and managing the risk in their own lives in the SA qualification.

    Conclusion (Fundamentals)

    The UK has four other key skills units (see below) that do not have SA fundamental counterparts but are covered by SA's Critical Cross-Field Outcomes either across the qualification or by the core and elective unit standards:
  • Information and Communication Technology - Level 4
  • Improving own learning and Performance - Level 4
  • Problem Solving - Level 4
  • Working with Others - Level 4

    All the key skills units follow generic formulae: Develop a strategy using the specific competencies, monitor their progress, evaluate and present their objectives using their new skills.

    The Australian industry core standards at certificate 4 level for the AQF are fundamental and must be demonstrated at diploma or advanced diploma level.
  • Apply principles of professional practice to work in the financial services industry
  • Communicate in the workplace
  • Use technology in the workplace
  • Apply health and safety practices in the workplace.

    Core

    There are no equivalent international qualifications for the Core component of the FETC. There are, however, various discrete units in the financial services career streams on the NVQ and AQF, which can used for comparison:

    Matches were found for the following SA core unit standards. Learners competent in the SA standards would have similar competencies to their UK and Australian counterparts (except for specific contextual information (e.g. legislation, organisational standards, etc)
  • Explain the cycle of a medical claim and Assess a medical claim

    Administration and Claims - Charted Insurance Institute CII, has some correlations with the SA unit standard at Level 6.
    The following outcomes correlate with the SA unit standard
    > Principles and practices of claims arising under PMI policies
    > Pre-authorisation of claims
    > Customer service function and benefits of claims help line facilities
  • Explain the use of coding in Healthcare Benefits Administration. Risk assessment and management - Charted Insurance Institute CII
  • Describe healthcare cover in South Africa
    Private medical insurance products and principles - CII, Benefit Design outcome. (Note: The outcomes differ. However competent learners from either qualification will understand the private healthcare market in their respective countries.)
  • Describe managed care as it is applied in Medical Scheme Administration in South Africa
    Administration and Claims - Charted Insurance Institute CII, elements of the SA outcomes are reflected in this unit
  • Analyse the proposed National Health Policy as a means of providing healthcare for the nation
    Related Issues - Charted Insurance Institute CII covers the need for, and methods of reinsuring private medical insurance business, healthcare trusts, the relationship between HHS and private healthcare provision and the impact of the EU on the PMI market and vice versa.
  • Explain Healthcare Benefits Administration in South Africa
    Administration and Claims" - Charted Insurance Institute CII, elements of this unit are reflected in the SA standard.
  • Indicate how different needs lead to the development of different financial services products.
    Related Issues - Charted Insurance Institute CII. This unit has an outcome relating to the need for and methods of, reinsuring, private medical insurance business" which correlates broadly with the SA standards.
  • Administer long-term employee benefits and medical scheme membership
    Administration and Claims" - Charted Insurance Institute CII
  • Explain the types of compulsory statutory insurance in South Africa
    Administration and Claims - Charted Insurance Institute CII Specifically the unit: Contribution, third party recoveries
  • Use an electronic system as a tool in a financial services context
    Data processing: NVQ: Pensions Level 3 (the South African standard is pegged at the same level).
    Process sales support administration - NVQ: life offices level 3
    Enter and retrieve information using a computer system - NVQ: call handling operations level 2
  • Apply knowledge of basic accounting principles to financial services (L3)
    Reconcile Accounts: NVQ: Insurance (General and Intermediaries) Level 2. The NVQ unit standard focuses on the process, but has the embedded knowledge of accounting principles in order to apply the task of reconciling accounts
  • Explain and apply ethical conduct in a business environment. (L4)
    Apply principles of professional practice to work in the financial services industry - AQF - Industry core standard. The title of the AQF standard indicates a similar outcome, since professionalism usually infers ethical behaviour. The Financial Services Industry in Australia is currently reviewing their financial qualifications, and therefore the standard is currently not available on The National Training Information Service's (Australia) website at present. It is therefore difficult to gauge how accurately the outcomes of the two standards correspond.

    Electives

    Personal development related electives

    There are comparable units for the Unit Standards:
  • Apply problem-solving techniques to make a decision or solve a problem in a real life context (Problem Solving - Level 4: Key Skills Unit)
  • Manage time effectively to enhance productivity and enable a balanced lifestyle (Plan And Organise Work Schedule And Work Based Activities - NVQ: Insurance (General and Intermediaries) Level 2 and Manage personal work priorities and professional development- AQF - Cross Industry Standard - Level 2)
  • Communicate verbally with clients in a financial services environment (Advise customers as an insurance intermediary - NVQ: Insurance (General and Intermediary) Level 3; Ensure the quality of call handling services - NVQ: Managing Call Handling Level 4; Contribute to developing and maintaining positive caller relationships - NVQs: Call Handling Operations Level 3, Supervising Call Handling Level 3, Call Handling Operations Level 2; Solve problems for telephone callers - NVQs: Call Handling Operations Level 3, Supervising Call Handling Level 3; Develop and maintain supportive relationships with telephone callers - NVQ: Call Handling Operations Level 3; Liaise with clients, other professionals and third parties - AQF: Financial Services Level 3.
  • Demonstrate knowledge and understanding of the role, functions and duties of trustees of retirement funds (Communicate Pensions Information - NVQ: Private Sector Pensions Administration Level 4; Determine Retirement Benefits - NVQ: Private Sector Pensions Administration Level 4; Liaise with and support trustees - AQF: Financial Services - Level 3)
  • Demonstrate knowledge and understanding of the role, functions and duties of trustees of medical schemes ("Related issues: - CII - Healthcare trusts outcome)
  • Motivate a team (Provide leadership and motivation to all staff - AQF: Financial Services - Level 3)

    Management related electives
  • Apply knowledge of self and team in order to develop a plan to enhance team performance (Develop teams and individuals to enhance performance - NVQ: Providing Financial Services Level 4, Managing Call Handling Level 4; Coordinate the work activities of others for the achievement of organisational objectives - NVQ: Investment Administration).
  • Indicate the role of the team leader in ensuring that a team meets an organisation's standards (Contribute to the development of teams and individuals - NVQ: Providing Financial Services Level 3)
  • Coach a team member in order to enhance individual performance in a work environment (Lead call handling team and individuals to meet their objectives - NVQ: Supervising Call Handling Level 3; Manage staff training - AQF: Financial Services - Level 3)
  • Investigate quality and control mechanisms in a business unit (Contribute to improving the quality of service provision - NVQ: Call Handling Operations Level 2; Maintain activities to meet quality standards - NVQ: Private Sector Pensions Administration Level 4; Implement quality systems within work area - AQF: Financial Services Level 3)
  • Apply knowledge of self and own situation to manage the risks resulting from change in the workplace (Contribute to influencing change within the organisation - NVQ: Managing Call Handling Level 4; Contribute to Changes in the Workplace - NVQ: Private Sector Pensions Administration Level 4; Facilitate and capitalise on change and innovation"- AQF: Business Services - Level 3.)
  • Apply technical knowledge and skill to align business unit performance to business goals (Lead the work of teams and individuals to achieve their objectives - NVQs: Providing Financial Services Level 3, Life Offices Level 3, Insurance (General and Intermediaries) Level 3; Manage the performance of teams and individuals - NVQ: Providing Financial Services Level 4; Respond to poor performance in your team - NVQs: Providing Financial Services Level 4, Managing Call Handling Level 4; Manage staff performance to achieve strategic targets: AQF: Financial Services - Level 3; Implement operational plans to achieve strategic targets - AQF: Financial Services - Level 3)

    The CII provided a copy of their assessment for the PMI unit, Medical underwriting. Knowledge of the impairments is similar to that required in the SA standards:
  • Analyse impairments related to the digestive and urinary systems and their impact on the assessment of long-term risk.
  • Analyse impairments related to the reproductive system and their impact on the assessment of long-term risk.
  • Analyse cardiovascular related impairments and their impact on the assessment of long-term risk.
  • Analyse respiratory related impairments and their impact on the assessment of long-term risk.
  • Analyse cancer as impairment and the associated impact on the assessment of risk.
  • Analyse psychological and psychiatric impairments and the associated impact on the assessment of risk.
  • Analyse neurological related impairments and the associated impact on risk assessment.
  • Analyse muscular skeletal related impairments and their impact on the assessment of long-term risk.
  • Apply knowledge of blood disorders to assess risk.

    Other electives

    For most electives in the FETC there are equivalent standards on the NVQ and AQF. Where outcomes differ or are missing in the South African standards these outcomes are met through the Critical Cross-Field Outcomes in the SA standards.

    In addition to the medical Claims and Healthcare, related standards there do not appear to be NVQ and AQF standards or CII Private Medical Insurance outcomes that correlate with the following SA standards:
  • Analyse new developments reported in the media that could impact on long-term insurance.
  • Explain and apply ethical conduct in a business environment.
  • Describe issues of compliance and/or non-activity that could result in civil or criminal liability in terms of business law.
  • Apply knowledge of HIV/AIDS to a specific business sector and a workplace.
  • Manage risk in own work/business environment.
  • Manage own work performance in relation to an organisation's performance management system
  • Explain the impact of personal wellness on work performance.
  • Induct a new member into a team.
  • Apply the principles of situational leadership to a business unit.
  • Apply Return on Investment (ROI) theory and practice to a business unit.
  • Mentor a colleague to enhance the individual's knowledge, skills, values and attitudes in a selected career path.
  • Explain how to manage diversity in the workplace.

    There is more focus on personal development and empowerment of the learner in the South African Standards i.e. the focus is increasing competency of the learner as a whole person rather than work based competencies only.

    The NVQ and AQF standards such as Reconcile an account and Implement operational plans to achieve strategic targets focus on steps in the processes in an insurance environment. The competency-based nature of the SA Unit Standards makes them more sustainable, as processes can become outdated.

    Conclusion

    The standards that comprise the Financial Services Qualifications in Insurance at Level 4 on both the NVQ and AQF have similar outcomes to those in the FETC

    However:
  • There are many task-based standards in the international qualifications (NVQ and AQF), which have not been considered for this comparison as they are not relevant to the comparison of the qualification as a whole.
  • The CII qualification offers a Marketing and sales component for private medical insurance. Marketing and Sales electives are available at level 3 and 4 in SA qualifications but are not specific to medical schemes or medical/health insurance.
  • There appear to be more personal development and management standards available as electives in the South African basket.

    In conclusion there does not appear to be an international counterpart for the proposed FETC: Medical Claims Assessing Level 4. It therefore seems safe to assume that as a complete qualification, the South African Qualification in medical claims assessing, is unique and could lead the way for the private health care industry worldwide. 

  • ARTICULATION OPTIONS 
    This Qualification articulates horizontally with:
  • Any FETC on the basis of the Fundamentals.
  • The FETC: Long-term Insurance (to replace the National Certificate in Long-term Insurance: Level 4)
  • The FETC: Long-term Risk Assessment (to replace The National Certificate In Insurance: Long-term: NQF Level 4: Risk Assessment
  • The National Certificate in Wealth Management: Level 4.
  • The National Certificate in Financial Services Management: Level 4.
  • Certificate : Auxiliary Nursing: Level 4

    It articulates vertically with:
  • The National Certificate in Wealth Management: Level 5.
  • Fundamental Competencies gained in Communication and Mathematical Literacy in this Qualification should enable the learner to access an appropriate industry Qualification at NQF Level 5 (such as the proposed National Certificate in Healthcare Product Management) once these are developed. The FETC will articulate with the Level 5 Insurance and Investment qualifications envisaged in the brief of the SGB for Insurance and Investment.
  • Management qualifications at Level 5 depending on the admission requirements of specific Higher Education Institutions.
  • Bridging Diploma: Nursing: Level 5
  • Diploma: General Nursing: Level 5 

  • MODERATION OPTIONS 
    This Qualification will be internally assessed and externally moderated by a moderator registered by a relevant accredited ETQA or an ETQA that has a Memorandum of Understanding with the relevant accredited ETQA.
  • Moderators, competent at the level of the Qualification, are registered by a relevant accredited ETQA to ensure that the standard across assessors is consistent.
  • Moderators must be registered as assessors with the relevant ETQA.
  • Moderators are required to report to a relevant accredited ETQA.
  • A relevant accredited ETQA will monitor and quality assure moderation and assessment according to guidelines in the Qualification. 

  • CRITERIA FOR THE REGISTRATION OF ASSESSORS 
    This Qualification will be internally assessed by the provider and moderated by a moderator registered by a relevant accredited ETQA or an ETQA that has a Memorandum of Understanding with the relevant accredited ETQA.
  • Assessors must be registered as assessors with a relevant accredited ETQA.
  • Moderators, competent at the level of the Qualification are registered by a relevant accredited ETQA to ensure that the standard across assessors is consistent.
  • Providers of the FETC must be accredited as providers with a relevant accredited ETQA.
  • Assessors should be in possession of a relevant insurance qualification at NQF level 5 or higher. 

  • REREGISTRATION HISTORY 
    As per the SAQA Board decision/s at that time, this qualification was Reregistered in 2012; 2015. 

    NOTES 
    Additional Unit Standards on aspects of the Financial Services Industry at NQF Level 3 have been included. These are intended particularly for learners with medical related qualifications who require industry knowledge in order to operate effectively. 

    UNIT STANDARDS: 
      ID UNIT STANDARD TITLE PRE-2009 NQF LEVEL NQF LEVEL CREDITS
    Core  114941  Apply knowledge of HIV/AIDS to a specific business sector and a workplace  Level 3  NQF Level 03 
    Core  117141  Describe healthcare cover in South Africa  Level 3  NQF Level 03 
    Core  113911  Use an electronic system as a tool in a financial services context  Level 3  NQF Level 03 
    Core  118011  Analyze new developments reported in the media that could impact on long-term insurance  Level 4  NQF Level 04  10 
    Core  117118  Apply knowledge of the current Medical Schemes Act and the accompanying regulations  Level 4  NQF Level 04 
    Core  118010  Assess a medical claim  Level 4  NQF Level 04 
    Core  13940  Demonstrate knowledge and application of ethical conduct in a business environment  Level 4  NQF Level 04 
    Core  14979  Describe issues of compliance or non-activity that could result in civil or criminal liability in terms of business law  Level 4  NQF Level 04 
    Core  118019  Describe managed care as it is applied in Medical Scheme Administration in South Africa  Level 4  NQF Level 04 
    Core  118018  Describe the control of fraud in Healthcare Benefits Administration  Level 4  NQF Level 04 
    Core  118014  Explain the cycle of a medical claim  Level 4  NQF Level 04 
    Core  113932  Explain the Medicines and Related Substances Control Amendment Act, 59 of 2003, as it impacts on medical schemes  Level 4  NQF Level 04 
    Core  117215  Explain the use of coding in Healthcare Benefits Administration  Level 4  NQF Level 04 
    Core  118012  Research the Medical Scheme Administration sub-sector in South Africa  Level 4  NQF Level 04 
    Fundamental  8968  Accommodate audience and context needs in oral communication  Level 3  NQF Level 03 
    Fundamental  8969  Interpret and use information from texts  Level 3  NQF Level 03 
    Fundamental  8973  Use language and communication in occupational learning programmes  Level 3  NQF Level 03 
    Fundamental  8970  Write texts for a range of communicative contexts  Level 3  NQF Level 03 
    Fundamental  9015  Apply knowledge of statistics and probability to critically interrogate and effectively communicate findings on life related problems  Level 4  NQF Level 04 
    Fundamental  117127  Describe and apply the basic principles of personal income tax  Level 4  NQF Level 04 
    Fundamental  8974  Engage in sustained oral communication and evaluate spoken texts  Level 4  NQF Level 04 
    Fundamental  117156  Interpret basic financial statements  Level 4  NQF Level 04 
    Fundamental  117158  Investigate ways of managing financial risk in own lives  Level 4  NQF Level 04 
    Fundamental  8975  Read analyse and respond to a variety of texts  Level 4  NQF Level 04 
    Fundamental  9016  Represent analyse and calculate shape and motion in 2-and 3-dimensional space in different contexts  Level 4  NQF Level 04 
    Fundamental  7468  Use mathematics to investigate and monitor the financial aspects of personal, business, national and international issues  Level 4  NQF Level 04 
    Fundamental  12153  Use the writing process to compose texts required in the business environment  Level 4  NQF Level 04 
    Fundamental  8976  Write for a wide range of contexts  Level 4  NQF Level 04 
    Elective  9302  Access information in order to respond to client enquiries in a financial services environment  Level 3  NQF Level 03 
    Elective  117136  Administer long term employee benefits and medical scheme membership  Level 3  NQF Level 03 
    Elective  117111  Apply knowledge of basic accounting principles to financial services  Level 3  NQF Level 03 
    Elective  116966  Apply knowledge of self and own situation to manage risks resulting from change in the workplace  Level 3  NQF Level 03 
    Elective  13912  Apply knowledge of self and team in order to develop a plan to enhance team performance  Level 3  NQF Level 03 
    Elective  114952  Apply problem-solving techniques to make a decision or solve a problem in a real life context  Level 3  NQF Level 03 
    Elective  113909  Coach a team member in order to enhance individual performance in work environment  Level 3  NQF Level 03 
    Elective  9303  Communicate verbally with clients in a financial environment  Level 3  NQF Level 03 
    Elective  12548  Demonstrate ability to use and interpret texts that apply to the role and responsibilities of trustees of Retirement Funds  Level 3  NQF Level 03 
    Elective  12550  Demonstrate knowledge and understanding of the role functions and responsibilities of Trustees of Medical Schemes  Level 3  NQF Level 03 
    Elective  12547  Demonstrate knowledge and understanding of the role, functions and duties of trustees of Retirement Funds  Level 3  NQF Level 03 
    Elective  114972  Explain healthcare benefits administration in South Africa  Level 3  NQF Level 03 
    Elective  114932  Explain how to manage diversity in the workplace  Level 3  NQF Level 03 
    Elective  113907  Explain the impact of personal wellness on work performance  Level 3  NQF Level 03 
    Elective  114966  Explain the types of compulsory statutory insurance in South Africa  Level 3  NQF Level 03 
    Elective  114985  Indicate how different needs lead to the development of different Financial Service products  Level 3  NQF Level 03 
    Elective  13917  Indicate the role of a team leader ensuring that a team meets an organisation`s standards  Level 3  NQF Level 03 
    Elective  13911  Induct a new member into a team  Level 3  NQF Level 03 
    Elective  114960  Investigate the need to provide financially for own retirement  Level 3  NQF Level 03 
    Elective  117133  Manage own work performance in relation to an organisation's performance management system  Level 3  NQF Level 03 
    Elective  117171  Manage time effectively to enhance productivity and enable a balanced lifestyle  Level 3  NQF Level 03 
    Elective  118016  Analyse cancer as an impairment and the associated impact on the assessment of risk  Level 4  NQF Level 04 
    Elective  118015  Analyse cardiovascular related impairments and their impact on the assessment of long- term risk  Level 4  NQF Level 04 
    Elective  118004  Analyse impairments of the reproductive system and their impact on the assessment of long-term risk  Level 4  NQF Level 04 
    Elective  118013  Analyse impairments related to blood disorders and the associated impact on the assessment of risk  Level 4  NQF Level 04 
    Elective  118017  Analyse impairments related to the digestive and urinary systems and their impact on the assessment of long-term risk  Level 4  NQF Level 04 
    Elective  118009  Analyse impairments related to the endocrine system and their impact on the assessment of long-term risk  Level 4  NQF Level 04 
    Elective  118003  Analyse musculo-skeletal related impairments and their impact on the assessment of long-term risk  Level 4  NQF Level 04 
    Elective  118007  Analyse neurological related impairments and the associated impact on risk assessment  Level 4  NQF Level 04 
    Elective  118006  Analyse psychological and psychiatric impairments and the associated impact on the assessment of risk  Level 4  NQF Level 04 
    Elective  118008  Analyse respiratory related impairments and their impact on the assessment of long-term risk  Level 4  NQF Level 04 
    Elective  113927  Analyse the proposed National Health policy as a means of providing healthcare for the nation  Level 4  NQF Level 04 
    Elective  114209  Apply Return on Investment (ROI) theory and practice to a business unit  Level 4  NQF Level 04 
    Elective  13949  Apply technical knowledge and skill to align business unit performance to business goals  Level 4  NQF Level 04 
    Elective  13953  Apply the principles of situational leadership to a business unit  Level 4  NQF Level 04 
    Elective  113923  Explain fiduciary responsibilities and the associated risks  Level 4  NQF Level 04 
    Elective  118005  Investigate quality and control mechanisms in a business unit  Level 4  NQF Level 04 
    Elective  13954  Manage risk in own work/business environment  Level 4  NQF Level 04 
    Elective  114215  Mentor a colleague to enhance the individual`s knowledge, skills, values and attitudes in a selected career path  Level 4  NQF Level 04 
    Elective  13947  Motivate a team  Level 4  NQF Level 04 


    LEARNING PROGRAMMES RECORDED AGAINST THIS QUALIFICATION: 
     
    NONE 


    PROVIDERS CURRENTLY ACCREDITED TO OFFER THIS QUALIFICATION: 
    This information shows the current accreditations (i.e. those not past their accreditation end dates), and is the most complete record available to SAQA as of today. Some Primary or Delegated Quality Assurance Functionaries have a lag in their recording systems for provider accreditation, in turn leading to a lag in notifying SAQA of all the providers that they have accredited to offer qualifications and unit standards, as well as any extensions to accreditation end dates. The relevant Primary or Delegated Quality Assurance Functionary should be notified if a record appears to be missing from here.
     
    1. BRC Solutions cc 
    2. Discovery Life Ltd 
    3. Indwe Risk Services (Pty) Ltd 
    4. The Institute of Health Risk Managers (Pty) Ltd 



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