Members join a medical scheme to ensure that they will be taken care of should they ever be faced with a medical condition or accident.Schemes are able to provide such protection by tapping into the combined resources built up through the careful management of members' contributions.

Thus it is crucial that funds are spent responsibly,and that there are measures in place to help control and manage the spending of members' combined pool of funds.

This article is aimed at helping members understand the role co-payments play in protecting them and ensuring the ongoing sustainability of a scheme.

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