Garden Route Health Care Consultants

Garden Route Health Care Consultants


Hi All, please take note of our NEW OFFICE HOURS...

For all your medical and health care needs. We are duly licenced in terms of FSCA requirements and as laid down by the Council of Medical Schemes.

We have access to all major medical aid schemes available in South Africa and offer a comprehensive service for all your health care needs

Garden Route Health Care Consultants provides a range of Healthcare services, we are aware of our responsibility we have in adding value to our clients. We work closely with our clients to make sure that healthcare delivery model is the least complex and offers the most value for money. We have access to all major medical schemes in South Africa and offer a comprehensive service that includes:

· Implementation of the most appropriate staff medical aid scheme
· Management reports
· Analysis of existing structures
· Individual needs analysis
· Low cost options
· Central point for resolving member claims and queries
· Development of subsidy policy
· One on one education
· Billing audit and reconsiliation

Other Heath Care Services

· Implementation of HIV/AIDS programmes
· Post retirement liability assessments
· Healthcare solutions for Africa and abroad
· Occupational Healthcare services

The service delivery model relies on member education and training. The informed employer and employees will make better choices relating to their healthcare needs.

Operating as usual


Wishing a Happy Heritage Day to all South Africans 🇿🇦

#proudlysouthafrican #heritageday #localislekker #insurance #history #freedom #rainbownation #celebrate #braaiday


Specialised Broker Services

Specialised Broker Services SHORT TERM INSURANCE for your personal, commercial, farming and specialised needs.

Garden Route Health Care Consultants | LinkedIn 16/09/2021

Garden Route Health Care Consultants | LinkedIn

Garden Route Health Care Consultants | LinkedIn Garden Route Health Care Consultants | 8 followers on LinkedIn. We offer various Medical Aid & Gap Cover products. We are your HEALTH CARE CALL CENTRE. | Garden Route Health Care Consultants provides a range of healthcare services, we are aware of our responsibility we have in adding value to our cl...


Top 4 Discovery Insure IFAs recognized for Platinum, Gold, Silver and Bronze achievement over the past financial year 🏆 Very proud indeed!

#discoverysa #insure #sbs #professionals #business #services #southafrica #gardenroute #george

Mobile Uploads 08/09/2021

What can I say, Casper the Dog 🐕 has given me Dog Whispering skills 🤦🏻‍♂️

Barry Daines promising all kinds of things to ODIN 🤪🤪🤪

Photos from Garden Route Health Care Consultants's post 18/08/2021

If you think Gap Cover is just another insurance policy, think again.

With Stratum Benefits Gap Cover, you get an insurance policy that’s not only affordable but gives peace of mind knowing that you’re covered when you need it most. Yes, as insurance policies go, we too have waiting periods and benefit exclusions but the proof of the pudding is in the fact that in most cases this insurance policy will pay out more in benefits than what you’ll ever pay in premiums.
Don’t take our word for it. Ask any of our clients.
Gone are the days where Gap Cover was a nice-to-have policy. Just looking at what we pay out in claims and the increase in frequency of claims per policy, it’s safe to say that nice-to-have is out, and must-have is in.

What is Gap Cover? In a nutshell, it’s a short-term insurance policy that’s mainly designed to cover the difference in your doctors’ and specialists’ fees that your medical aid plan doesn’t cover in full. For Gap Cover to work, you need to be a member of a registered South African medical aid.

Noticed that we said “mainly”? That’s because Gap Cover offers so much more than just covering the shortfalls on medical bills.

Does your medical aid cover your healthcare providers fees in full? You wouldn’t be the only one wishing so but as great as your medical aid plan’s benefits might be, it’s not always enough.

Here’s why…

Medical aids pay healthcare and service providers’ accounts at a specific medical aid rate that can vary from 100%, to 200% or 300%, depending on the medical aid plan you’re on.

If your specialist is contracted to your medical aid, you shouldn’t have any shortfalls because your medical aid will pay your specialist at the agreed medical aid rate. But, if your specialist isn’t contracted to your medical aid, they’ll most probably charge private fees and you’ll be responsible to pay the difference after your medical aid has settled a portion. How’s that working out for you?

Let’s say your specialist charges R 1 500 for a medical procedure of which your medical aid pays R 1 000. You’ll be left with R 500 to pay from your own pocket. That doesn’t sound too bad, right? Perhaps R 500 here and there isn’t anything to lose sleep over, but will R 5 000 keep you up at night?

Let’s paint a more realistic scenario.

You go for joint replacement surgery.
Your medical aid plan covers you at a 100% of medical aid rate.
The hospital bill is covered in full because the hospital charges in line with your medical aid’s rate.


Your orthopaedic surgeon, however, charges 400% above your medical aid’s rate.

But wait, there’s more… because the anaesthetist charges 300% above your medical aid’s rate.
Get it? Your surgeon charges 4 times more than your medical aid plan’s rate and the anaesthetist charges 3 times more. It’s not uncommon for surgeons and anaesthetists to charge these rates, but the question is – can you afford these kinds of shortfalls?

When assessing claims, we look at each line item on every provider’s account to determine where the shortfalls are. As painted in the scenario above, your surgeon and anaesthetist charges private fees which your medical aid won’t cover in full.

Being covered on the right Gap Cover option could mean no shortfalls to worry about, and no dipping into your savings to pay outstanding medical bills.

How cool is our cover?

Way cool 😉.

[08/09/21]   Happy Woman’s Day.

We thank all Women for their support and strength during these difficult times.


No comment 🤦🏻‍♂️.


The GRHCC Team

No comment 🤦🏻‍♂️.


The GRHCC Team


Please contact SONIA at 0762026312 to get those Vitality Points…

Please contact SONIA at 0762026312 to get those Vitality Points…

Photos from Garden Route Health Care Consultants's post 10/05/2021

Discovery George

Vitality Wellness Day

*Wednesday 12 May from 8h00 – 15h00*


*Thursday 20 May from 9h00 – 16h00*


If this is you, please give us a call for a free consultation on Zoom or in person. Please phone Brian on 0829005391

Latest News - Garden Route Health Care Consultants | George 21/04/2021

Latest News - Garden Route Health Care Consultants | George

Latest News - Garden Route Health Care Consultants | George Garden Route Health Care Consultants bring you the latest news about medical and health care insurance, direct your friendly health care insurance experts


Vaccine Registration

Registration for South Africans 60 years and older is available online.

Click on the link provided below and follow the 8 step registration process to register.

Vaccine Registration Vaccine Registration


5 Insurance Mistakes to AVOID:

Saving money is great when it comes to your insurance, however simply reducing your cover or dropping important coverages altogether is not a great idea, being focused only on numbers and not on the end result can place you in very hot water at claim stage. It is vital to be aware of the pitfalls, below are 5 important insurance mistakes to avoid. Click on the below link to read the full article -


Why not ask WHY?

Something different today for our newsletter.
It’s about a question we all ask sometimes, but probably not enough. It is very easy to accept something without question, even when it seems under the circumstances to be a non-sensible rule. Why not ask WHY?

Take for example the following story.

Click on the below link to read the full article -


Can you speak INSURANCE?

Insurance can sometimes sound like a foreign language and there are many different definitions and terms that can go completely over your head if you do not have a basic understanding of the “INSURANCE LANGUAGE”.

We would like to add further value to our clients by including important insurance definitions on our weekly newsletter, so that you can build your insurance vocabulary and more importantly your insurance understanding. Today we are going to look at three very important definitions, Average, Under-insurance and Betterment. Click on the below link to read the full article -


Why should small businesses owners be more vigilant when it comes to cyber crime?

Do you think that because you are a small business owner that you will not be targeted as much as the larger companies?

In reality small business owners are on the top of these criminals hit list!

Click here to read full article -


We LOVE Client Testimonials!

Photos from Specialised Broker Services's post 05/03/2021

Photos from Specialised Broker Services's post




We are a Hustle Free Zone

Go to our website and meet the team.



It’s that time of year again when we as Medical Aid clients need to decide on our benefit option for next year.

Typically, Garden Route Health Care Consultants would hire a central venue and discuss the options for next year “one on one” with our clients.

COVID 19 has put a little damper on that this year. Due to regulations and conditions of meeting together, we want to encourage our clients to book an appointment at our offices, book a telephone consultation, or perhaps book a Zoom or Skype session. If you feel none of these options will be appropriate for you, then please let us know so that we can make the necessary meeting at a more suitable venue.

For our clients on Discovery, we would like to inform you that Discovery will not be adjusting premiums in January 2021. They have decided to see how COVID 19 effects play out in the first quarter of 2021 before deciding on the merits of an adjustment (Max 5.9%). We will be informed around March/April 2021 of these adjustments and will then feed these through to our clients. As clients, we will have another opportunity to upgrade in May/June effective 1 July.

Please let us know if you wish to meet with us now, and how you would like this to happen.

Kind regards,

Garden Route Health Care Consultants.


Living Ball Kids

Living Ball Kids *ELITE* TRAINING sessions for YOUNG BOYS Grade 4 to 7.

Our fee per 2 hour session is R 300.00

Areas: George, Greatbrak River, Kleinbrak River, and Mossel Bay.


Ball Skills
Hand, eye, and feet coordination
Speed development
Development as a Forward or Back line player.

Please contact coach JP for more information


Living Ball Kids *ELITE* AFRIGTING sessies vir JONG SEUNS Graad 4 tot 7.

Ons fooie per 2 ure sessie is R300.

Ek fokus op die volgende:


Laat weet as daar enige vrae is.

Blessings JP


Living Ball Kids also provide ELITE TRAINING SESSIONS for our older boys.



Something we can all benefit from, especially during the Covid-19 peak... Hope you find this insightful


Garden Route Life & Investment Brokers

We are open for business to handle your queries regarding RISK, INVESTMENT, and HEALTH CARE products.

We have all the legislated requirements in place along with our COVID-19 RISK MITIGATION OFFICER, Mike Ellis, who will be able to assist with face to face meetings.

Now might be the time to obtain new quotes and / or revise your existing portfolio.

Meet the team at 👉

Please feel free to contact us regarding any insurance product you might have a query with, or in need of a new product that might interest you.

Go well, and stay safe.

The Garden Route Life and Investment Brokers Team.


Specialised Broker Services

Attention - Hospitality & Tourism Business Owners

We would like to take a moment to reach out to you and let you know that we care about you, and want to help any way that we can to get you through this difficult period.

The COVID-19 Pandemic has put immense pressure on our economy, specifically in the hospitality and tourism industry in South Africa, Specialised Broker Services has been operating in the Garden Route for over 30 years, and has expanded to East London, we care about our local businesses and want to protect your financial wellbeing.

We can help you to plan a survival strategy to keep your assets insured during this difficult time.

Click the below link to fill out our contact form, or you can comment on this post with your details.


Unfortunately we are unable to see our clients face to face in consultation with the current level of the lock-down. However we can still assist via email or per phone call.

Nicky Daines : 082 535 9054
Kim Barnard : 062 392 3021
Mike Ellis : 082 675 3424
Zandré van Tonder : 071 205 6645

Videos (show all)

The lighter side of life...Make sure those braces are covered...😂


Medical Aid, Gap Cover



99 Merriman Street

Opening Hours

Monday 08:00 - 16:30
Tuesday 08:00 - 16:30
Wednesday 08:00 - 16:30
Thursday 08:00 - 16:30
Friday 08:00 - 14:00
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