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SOUTH AFRICAN QUALIFICATIONS AUTHORITY 
REGISTERED UNIT STANDARD THAT HAS PASSED THE END DATE: 

Demonstrate knowledge and understanding of the individual`s basic rights and responsibilities under a medical scheme 
SAQA US ID UNIT STANDARD TITLE
12549  Demonstrate knowledge and understanding of the individual`s basic rights and responsibilities under a medical scheme 
ORIGINATOR
SGB Insurance and Investment 
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 1  NQF Level 01 
REGISTRATION STATUS REGISTRATION START DATE REGISTRATION END DATE SAQA DECISION NUMBER
Passed the End Date -
Status was "Registered" 
2002-10-09  2005-10-09  SAQA 0144/02 
LAST DATE FOR ENROLMENT LAST DATE FOR ACHIEVEMENT
2006-10-09   2009-10-09  

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
123418  Demonstrate knowledge and understanding of the individual's basic rights and responsibilities under a medical scheme  Level 1  NQF Level 01   

PURPOSE OF THE UNIT STANDARD 
This unit standard is intended to empower learners to understand their own medical scheme. It should enable them to act responsibly in electing trustees of their own medical scheme.

The qualifying learner is capable of:
  • Naming a medical scheme and indicating why people should belong to a medical scheme.
  • Indicating the type of their own medical scheme and the implications of the type of scheme for the member.
  • Explaining the role and responsibilities of trustees in a medical scheme.
  • Explaining the rights and responsibilities of members in the election of trustees.
  • Explaining the avenues available to members who are unhappy with the governance of a scheme. 

  • LEARNING ASSUMED TO BE IN PLACE AND RECOGNITION OF PRIOR LEARNING 
    There is open access to this unit standard. 

    UNIT STANDARD RANGE 
    The typical scope of this unit standard is open and closed medical schemes including savings components. 

    Specific Outcomes and Assessment Criteria: 

    SPECIFIC OUTCOME 1 
    Name a medical scheme and indicate why people should belong to such a scheme. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    1. A medical scheme is named and an indication is given of who is eligible to be a member of the fund. 

    ASSESSMENT CRITERION 2 
    2. Reasons why a person should belong to a medical scheme are illustrated graphically. 

    ASSESSMENT CRITERION 3 
    3. The tax advantages of belonging to a medical scheme are indicated for a specific medical scheme. 

    ASSESSMENT CRITERION 4 
    4. The need to provide for one's retirement is investigated and an indication is given of why it is important to plan post retirement healthcare. 

    SPECIFIC OUTCOME 2 
    Indicate the type of medical scheme and the implications of the type of scheme for the member. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    1. The main types of medical scheme are named with examples. 

    ASSESSMENT CRITERION 2 
    2. A specific scheme is classified according to type and an indication is given of the main benefits to members that apply to this type of medical scheme. 

    ASSESSMENT CRITERION 3 
    3. The options available within a specific medical scheme are named and an indication is given of options that apply to self. 

    SPECIFIC OUTCOME 3 
    Explain the role and responsibilities of trustees in a medical scheme. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    1. The reasons why a medical scheme has trustees are named and an indication is given of how the member is affected if a trustee is unable to perform his/her duties. 

    ASSESSMENT CRITERION 2 
    2. The main duties of a trustee are identified and an indication is given of the expertise needed to be a trustee of a medical scheme. 

    ASSESSMENT CRITERION 3 
    3. The role of trustees in handling queries and avoiding disputes is indicated with examples. 

    ASSESSMENT CRITERION 4 
    4. The documents that a member should receive from the trustees of a medical scheme are indicated with reference to the Medical Schemes Act and the accompanying regulations. 

    SPECIFIC OUTCOME 4 
    Explain the rights and responsibilities of members of medical schemes in the election of trustees. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    1. The qualities essential in a trustee are discussed and an indication is give of how one would recognise these qualities in a colleague. 

    ASSESSMENT CRITERION 2 
    2. The rules concerning elections are known and an indication is given of the rights of a member to elect trustees. 

    ASSESSMENT CRITERION 3 
    3. The responsibilities of members in the election of trustees are identified and an indication is given of the consequences of neglecting to exercise these rights diligently. 

    SPECIFIC OUTCOME 5 
    Explain the avenues available to a member who is unhappy with the governance of a medical scheme. 

    ASSESSMENT CRITERIA
     

    ASSESSMENT CRITERION 1 
    1. The procedure to be followed in case of a query or complaint is explained in terms of the rules of the scheme. 

    ASSESSMENT CRITERION 2 
    2. The procedure to be followed in case of a dispute is explained in terms of the rules of the scheme. 


    UNIT STANDARD ACCREDITATION AND MODERATION OPTIONS 
    This unit standard will be internally assessed by the provider and moderated by a moderator registered by INSQA or a relevant accredited ETQA. The mechanisms and requirements for moderation are contained in the document obtainable from INSQA, INSQA framework for assessment and moderation. 


    Critical Cross-field Outcomes (CCFO): 

    UNIT STANDARD CCFO IDENTIFYING 
    The learner is able to make a responsible decision in identifying the qualities essential in a trustee. 

    UNIT STANDARD CCFO COMMUNICATING 
    The learner is able to communicate effectively in explaining his rights and responsibilities as a member of a medical scheme. 

    UNIT STANDARD CCFO DEMONSTRATING 
    The learner is able to see the world as a set of related systems in understanding the consequences of exercising his/her rights and responsibilities as a member of a medical scheme. 

    UNIT STANDARD NOTES 
    This unit standard has been replaced by unit standard 123418 which is ''Demonstrate knowledge and understanding of the individual's basic rights and responsibilities under a medical scheme'', level 1, 1 credit. 

    QUALIFICATIONS UTILISING THIS UNIT STANDARD: 
      ID QUALIFICATION TITLE PRE-2009 NQF LEVEL NQF LEVEL STATUS END DATE PRIMARY OR DELEGATED QA FUNCTIONARY
    Elective  48783   National Certificate: Financial Services  Level 2  NQF Level 02  Reregistered  2023-06-30  INSETA 
    Elective  14657   National Certificate: Insurance Administration  Level 2  NQF Level 02  Passed the End Date -
    Status was "Registered" 
    2004-04-18  INSETA 


    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. CKP Development Agency (Pty) Ltd 
    2. Faisit (Pty) Ltd 
    3. 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.