Elsabé Klinck educates us on the basics of medical schemes when affected by cancer. Medical scheme cover The jargon of medical schemes can easily confuse patients, or the loved ones of cancer patients. Apart from choosing between various plans, there is a bewildering array of types of benefits (e.g. oncology benefits with or without co-payments); divisions into chronic, savings and/or risk pools; thresholds; payment gaps; co-payments and the likes. The law, however, creates a ‘fairly’ straight-forward system, where schemes: must offer so-called Prescribed Minimum Benefits (PMBs) which must always be funded. may offer other healthcare cover for other conditions, not included in the PMBs. There is, in law, no such…