The purported dirty laundry of radio and television personality Khaya Dladla has been publicized on social media for all of the world to see. This arises as a result of a Twitter account under the name Musa Khawula disclosing very close and personal information regarding the relationship that Khaya had with Mercutio, his former fiance which led to his now sickness
There is a possibility that Khaya Dladla and her exe-fiancé Mercutio broke up exactly seven months ago. On the other hand, it would appear that the ghosts of their past are plotting against them. This arises as a result of a social media blogger named Musa Khawula revealing information that was very personal regarding the connection between Khaya and Mercutio.
“khaya dladla, remember that he was dating that ugly boy named Marcus, which he stole from his friend smiling, who had previously dated and lived with Marcus for many years. he met marcus at a bar in davenport glenwood durban and marcus was driving a white bmw f30 sedan with gp number plates” writes Musa Khawula.
Khaya Dladla allegedly stealth Mercutio from his friend Smiley because Dladla believed that Mercutio had money in his possession. Smiley was the one who was betrayed. Little did he know that he would suddenly become the breadwinner because he Mercutio was broke as they come.
“So Khaya stole him because he felt he had money, and things progressed too quickly, and eventually the two of them ended up living together at the rental home that Khaya Dladla had in Durban North. Marcus, it turned out, was so financially strapped that he couldn’t even afford to buy bread “the account was added under the name Musa Khawula.
During the most intense phase of the connection between Khaya Dladla and Mercutio, Khawula went on to mention this fact. Smiley was taken to the hospital and admitted there. Allegedly Smiley caught some sort of sickness that is somehow persistent from Mercutio.
“Khaya was the one footing the bill for everything, but he would always lie and claim that his man is wealthy and has a number of cars and other luxury items. It was rumored that this marcus boy’s ex-boyfriend Smikey, who fell unwell and spent a considerable amount of time in the hospital, contracted the chronic disease from marcus. Smikey’s condition led to his release from the hospital.” the account was added under the name Musa Khawula.
As a result of reports that Smiley became ill, was admitted to the hospital, and was later found to have contracted an illness from Mercutio, Since then, rumors have circulated that Khaya Dladla is suffering from the same sickness that Mercutio passed on to Smiley, which has caused her to lose weight. It is said that Mercutio was too busy cheating behind Dladla’s back and spending too much time out in the streets.
“Now that khaya is significantly losing weight, buzz on the town is that he, too, contracted the chronic illness from Marcus. This Marcus guy was cheating like crazy on Khaya, and he was even having s3x with some random guy in Kwamashu named “ndile” who owned a salon “discontinued use of the account under the name Musa Khawula.
There has been no response from Khaya Dladla to these allegations, which are currently circulating on social media.
Can private healthcare become more affordable for the average South African?
When comparing medical aid and health insurance, where can the typical South African obtain the best value for their money while still receiving the necessary level of medical coverage?
Please visit this link for additional details regarding the Medical Scheme alternatives provided by Medshield.
Many people say that the cost of medical aid coverage is too high, and that only a small fraction of South Africans who are gainfully employed can actually afford it.
According to the statistics, only 16.1% of people living in South Africa are covered by a medical scheme.
However, the pricing is significantly impacted by the fact that medical schemes are obligated to provide members with prescribed minimum benefits (PMBs) that cover at least 271 conditions and 26 chronic diseases, whereas health insurers are not required to cover PMBs and therefore are not required to do so. PMBs cover at least 26 chronic diseases and at least 271 conditions.
The price of the cover is quite expensive. But to be more inclusive, the business has developed solutions throughout the years, and consumers now have options and a way to assess the best value for money for the person or family. In other words, the industry has evolved.
Why are premiums set at such a high level?
The primary member of a medical scheme would pay somewhere in the range of R1,500 to R2,000 per month for coverage under even the most fundamental plan.
One parent raising a child on their own can anticipate paying a minimum of R2,300 each month. A monthly take-home wage of at least R20,000 is necessary in order to avoid the medical cover taking up more than 10% of the total budget for the household.
There is, however, a limited tax benefit that is made accessible to members. Members are permitted to claim medical tax credits on their individual tax returns.
During the current tax year, taxpayers are eligible to claim a monthly deduction of R347 for the first two members of their household, and a monthly deduction of R234 for each subsequent member. In order for the member to collect their tax credit, they are need to file a tax return.
The necessity to cover PMBs at their full cost is the most important factor that determines the amount of money contributed to medical schemes. A medical plan is required to provide complete coverage for a predetermined list of 271 life-threatening disorders as well as 26 chronic illnesses.
Medical plans frequently have no effective control over the rates imposed by healthcare practitioners for treating a PMB disease. Some practitioners demand fees that are as much as 700% higher than the rate that is covered by the medical scheme. The medical plan would be responsible for making a full payment on these costs.
According to the Council for Medical Schemes’ 2020 Industry Report, the cost of providing coverage for these PMBs is R866.02 per average beneficiary each month. This figure was derived from the data collected for the report.
It indicates that the monthly premium must be at least R866 in order for the medical scheme to begin protecting its members against medical costs that are not covered by the PMB.
To offer even the most fundamental hospital plan, the program would have to pay for the PMBs (which are now priced at R866) and then add on additional expenditures to cover additional conditions, hospitalization, preventative treatment, and the costs of administration.
In order to address the cost drivers that are behind PMBs, the Council for Medical Schemes is reviewing PMBs in order to develop a comprehensive set of Preventative and Primary Healthcare packages. These packages will eventually be incorporated into the standard PMB package, which is currently hospital-centric and diagnosis-based.
Hospitalization is another factor that contributes to the overall cost of medical care, particularly when it comes to elective operations. As a consequence of the Covid lockdowns, non-emergency surgeries were put on hold, which led to the majority of medical schemes reporting a rise in scheme reserves.
As a result of the rise in reserves, several plans were able to postpone their yearly cost of living adjustments, and other plans were even able to lower their premiums.
Any rise in hospitalization utilization by members will continue to push up prices because hospitalization is a significant expense for all schemes. Increasing the amount of time members spend in hospitalization.
Is purchasing health insurance the best option?
It is not required for medical insurance to give complete coverage for PMBs because medical insurance is not a medical plan (also known as a medical aid).
Several new competitors have made their debut in the health insurance industry through the formation of strategic alliances with established life insurance and financial service providers.
Due to the fact that it is an insurance product, risk ratings, waiting periods, and limited coverage can be imposed; this allows it to be purchased at a more reasonable price.
However, the tax credit for medical expenses does not apply to premiums paid for health insurance. People need to have a solid understanding of the constraints placed on their health insurance policies.
It is highly unlikely that health insurance will pay for private hospitalization for non-emergency events, and the payout received for emergency hospital admissions typically only covers the costs of the first day or two of treatment. In essence, health insurance covers the costs of day-to-day medical care that is received outside of hospitals.
A policyholder who does not have a hospital plan will have no choice but to use the hospitals run by the state.
Because health insurers frequently suggest their primary healthcare products as an add-on to a medical scheme’s basic hospital plan, it is essential to understand how much coverage you have on even the most fundamental hospital plan for medical insurance.
For instance, maternity benefits including newborn scans, lactation consultations, and blood tests might be covered by the policy, whereas chronic medicine and hormone therapy might not be covered at all or might be covered only partially.
For example, the MediSwift hospital plan offered by MedShield is designed for individuals who lead active and healthy lifestyles. Benefits in the form of physiotherapy and biokinetics are included, along with two visits per year to a family practitioner.
In addition to providing extensive hospital coverage, the plan includes provisions for people who are usually healthy and have active lives but who may at some point require medical attention for injuries that are not severe enough to warrant hospitalization.
In addition, the MediSwift plan comes with an annual wellness benefit called Medshield. This benefit covers a variety of preventative care services, such as the Covid vaccine, the flu vaccine, birth control, and several testing for cholesterol, blood pressure, glucose, and body mass index (BMI).
The monthly premium for the primary member is R1 908, the premium for an adult dependent is R1 860, and the cost for a youngster is R489. The total monthly premium for a family consisting of two parents and one child would be R4,257 (R3 329 after applying for the tax credit).
When you use the Designated Service Provider that is recommended by your medical plan, you will find that your day-to-day spending is reduced.
These are suppliers who have reached a consensus with the scheme over the fees they would assess for their services.
If this is the case, it is highly unlikely that the specialist will send you a bill for an amount that is greater than the rate covered by your medical program.
The final conclusion is that having even a basic hospital plan is the better option to choose if you are able to pay for it.
You will be covered for 271 life-threatening disorders, 26 chronic illnesses, and a multitude of preventative care advantages, in addition to having access to a private hospital.