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Research Analysis on Out of Pocket Payment (OOP): Rising OOP healthcare expenses in South Africa’s medical schemes environment pose a significant financial burden on members, especially for those with chronic diseases and high-cost DTPs. According to the 2023/2024 CMS Industry Report, medical scheme members incurred

The health policy framework for South Africa’s healthcare system after the establishment of democracy included the creation of medical schemes alongside a tax-funded public sector, focusing on the ideals of solidarity and equity. However, significant shortcomings and inconsistencies have developed over the years have hindered