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 UNIT STANDARD THAT HAS PASSED THE END DATE: 

Explain options for healthcare in order to make an informed decision 
SAQA US ID UNIT STANDARD TITLE
113926  Explain options for healthcare in order to make an informed decision 
ORIGINATOR
SGB Financial Services 
PRIMARY OR DELEGATED QUALITY ASSURANCE FUNCTIONARY
-  
FIELD SUBFIELD
Field 03 - Business, Commerce and Management Studies Finance, Economics and Accounting 
ABET BAND UNIT STANDARD TYPE PRE-2009 NQF LEVEL NQF LEVEL CREDITS
Undefined  Regular  Level 4  NQF Level 04 
REGISTRATION STATUS REGISTRATION START DATE REGISTRATION END DATE SAQA DECISION NUMBER
Passed the End Date -
Status was "Registered" 
2004-02-11  2007-02-11  SAQA 1852/04 
LAST DATE FOR ENROLMENT LAST DATE FOR ACHIEVEMENT
2008-02-11   2011-02-11  

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 unit standard is replaced by: 
US ID Unit Standard Title Pre-2009 NQF Level NQF Level Credits Replacement Status
243138  Explain options for healthcare cover in order to make an informed decision  Level 4  NQF Level 04  Complete 

PURPOSE OF THE UNIT STANDARD 
This Unit Standard is intended for learners in a financial services environment. It will add value to healthcare benefits administrators, financial planners, intermediaries financial advisers, healthcare intermediaries, product developers, co-coordinators of medical schemes, financial call centre agents and trustees of medical schemes and retirement funds. It complies with the current legislated practices in giving financial advice.

The qualifying learner is capable of:
  • Analysing the healthcare needs of a prospective client.
  • Analysing the affordability of different healthcare options.
  • Analysing the Medical Schemes Act and rules of a scheme in order to make an informed decision.
  • Proposing a solution to provide healthcare for a specific client. 

  • LEARNING ASSUMED TO BE IN PLACE AND RECOGNITION OF PRIOR LEARNING 
    There is open access to this Unit Standard. Learners should be competent in Communication, Mathematical Literacy and Financial Literacy at Level 3. 

    UNIT STANDARD RANGE 
    Either individual or group medical scheme options. 

    Specific Outcomes and Assessment Criteria: 

    SPECIFIC OUTCOME 1 
    Analyse the healthcare needs of a prospective client. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    1. Questions are asked in order to establish the profile of a client and his/her dependants in terms of age, pre-existing conditions, family history and lifestyle. 

    ASSESSMENT CRITERION 2 
    2. Questions are asked to establish attitudes and values relating to healthcare that could influence choice of option. 

    SPECIFIC OUTCOME 2 
    Analyse the affordability of different healthcare options. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    1. Five different medical schemes are analysed for suitability for a specific employer group. 

    ASSESSMENT CRITERION 2 
    2. Five different medical schemes are analysed for suitability for individual members in terms of high, medium and low cost options, new generation and traditional schemes. 

    ASSESSMENT CRITERION 3 
    3. The impact of geographic location on choice of medical scheme is explained with examples. 

    ASSESSMENT CRITERION 4 
    4. Limits in terms of provider options are analysed for five medical schemes. 

    ASSESSMENT CRITERION 5 
    5. An option is selected that best meets the needs of a specific client in terms of affordability. 

    SPECIFIC OUTCOME 3 
    Analyse the Medical Schemes Act and rules of a scheme in order to make an informed decision. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    1. The rules of a scheme are analysed in terms of choice, selection, location, benefits and possibility of alternative treatments. 

    ASSESSMENT CRITERION 2 
    2. The members` role in managing their own health is explained with reference to managed care. 

    ASSESSMENT CRITERION 3 
    3. The rights and responsibilities of the individual as a member of a medical scheme are explained with reference to the Medical Schemes Act. 

    ASSESSMENT CRITERION 4 
    4. A scheme is analysed for compliance with solvency requirements. 

    SPECIFIC OUTCOME 4 
    Propose a possible solution to provide healthcare for a specific client. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    1. Three affordable alternative solutions are presented that meet a client`s needs. 

    ASSESSMENT CRITERION 2 
    2. The benefits, advantages and disadvantages of the proposed alternative solutions are explained with due regard for the Financial Advisors and Intermediaries Act (FAIS). 


    UNIT STANDARD ACCREDITATION AND MODERATION OPTIONS 
    Accreditation for this Unit Standard shall be obtained from the relevant Education and Training Quality Assurance Body, through summative and formative assessment by a registered assessor.
  • Assessors must be registered as an Assessor with the relevant ETQA.
  • Moderators must be registered as assessors with the relevant ETQA, or with an ETQA that has a Memorandum of Agreement with the relevant ETQA.
  • Training providers must be accredited by the relevant ETQA.

    Moderation should include both internal and external moderation where applicable. 

  • UNIT STANDARD ESSENTIAL EMBEDDED KNOWLEDGE 
    N/A 

    UNIT STANDARD DEVELOPMENTAL OUTCOME 
    N/A 

    UNIT STANDARD LINKAGES 
    N/A 


    Critical Cross-field Outcomes (CCFO): 

    UNIT STANDARD CCFO IDENTIFYING 
    The learner is capable of solving problems in which responses show that responsible decisions using critical thinking have been made in proposing a solution to provide healthcare for a specific client. 

    UNIT STANDARD CCFO COLLECTING 
    The learner is capable of collecting, organising and critically evaluating information in analysing different medical schemes. 

    UNIT STANDARD CCFO COMMUNICATING 
    The learner is capable of communicating effectively in presenting a proposed solution to a client with due regard for FAIS. 

    UNIT STANDARD CCFO SCIENCE 
    The learner is capable of using technology effectively in analysing different medical schemes for suitability. 

    UNIT STANDARD CCFO CONTRIBUTING 
    The learner is capable of being culturally sensitive across a range of social contexts in asking questions to establish attitudes and values relating to healthcare that could influence choice of option. 

    UNIT STANDARD ASSESSOR CRITERIA 
    N/A 

    UNIT STANDARD NOTES 
    This unit standard has been replaced by unit standard 243138, which is "Explain options for healthcare cover in order to make an informed decision", Level 4, 2 credits. 

    QUALIFICATIONS UTILISING THIS UNIT STANDARD: 
      ID QUALIFICATION TITLE PRE-2009 NQF LEVEL NQF LEVEL STATUS END DATE PRIMARY OR DELEGATED QA FUNCTIONARY
    Elective  48493   National Certificate: Financial Services: Wealth Management  Level 4  NQF Level 04  Passed the End Date -
    Status was "Registered" 
    2007-02-11  Was INSETA until Last Date for Achievement 


    PROVIDERS CURRENTLY ACCREDITED TO OFFER THIS UNIT STANDARD: 
    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. Discovery Life Ltd 
    2. Faisit (Pty) Ltd 
    3. Intec College 
    4. Umfolozi FET College - Central Office 



    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.