TIME FOR AN UPGRADE

Your household budget has had a lot to contend with this year, including the rising cost of everything from fuel and groceries to electricity – not to mention increasing debt repayments. Underand overinsurance on medical cover can both be wasteful, which is why it’s more important than ever to find that ‘Goldilocks’ level of cover.

TAKE STOCK

Cast your mind back over the past 12 to 24 months: did your medical savings account run out too early? Or did you find that your medical aid simply didn’t cover certain expenses? The plan you’ve had for years may need to be retired.

Charleen Rix, head of healthcare consulting