FAQs

 

• What is the Zurreal Healthcard?

The Zurreal Healthcard is a pre-funded debit card that will allow you to take full control of your healthcare expenses. It is valid at any medical service provider with a point-of-sale terminal facility and serves as the ideal tool to safeguard you, and your family, against unplanned medical expenses.

 

• Must I belong to a medical aid to have a Zurreal Healthcard?

No. Any person over 18 who needs to save for medical expenses may open a Zurreal Healthcard account and keep it for life.

 

• Are there restrictions on what the Zurreal Healthcard can be used for?

The Zurreal Healthcard is not administered by any medical scheme. Zurreal Healthcard can be used at any medical service provider with an electronic point-of-sale terminal (credit/debit card machine).

 

• How do I use the Zurreal Healthcard?

Swipe the Zurreal Healthcard at any medical service provider who has a credit/debit card facility. Select the Savings option and provide your unique security PIN number issued with your card.

 

• Do you get money back from the medical scheme if you use the Zurreal Healthcard for payment at medical service providers?

Bills are paid by the member with the Zurreal Healthcard. Medical scheme members can submit paper claims to their medical scheme who, in turn, will reimburse this claim against available medical aid benefits. Members can also opt to have the reimbursement paid back into their Zurreal Healthcard.

 

• Up to what amount can I spend?

You can only spend what is available in the account. There is a maximum daily spend limit of R5 000.

 

• What is the minimum or maximum I can pay into the Zurreal Healthcard?

There is a minimum of R50 required per card applied for. We recommend R100 per month as a minimum deposit into the account. There is no maximum amount that can be deposited into the card account.

 

• Does the Zurreal Healthcard have a credit facility?

No credit facility is available on the Zurreal Healthcard.

 

• Do I earn interest on my money?

Yes, market-related annual compounded interest is earned monthly.

 

• How is the Zurreal Healthcard funded?

Payments can be made via debit order, cash and cheque deposits through the Absa branch network or via an EFT. No medical scheme funds or Government Salary deductions can be used to fund the Zurreal Healthcard.

 

• Are the monthly contributions advanced for the year?

No. As the Zurreal Healthcard is a savings account and not linked to a medical scheme, we cannot advance funds. Only funds accumulated on a monthly basis, or due to ad-hoc deposits, are available for use.

 

• Can you withdraw money with the Zurreal Healthcard?

No cash withdrawals are allowed. There is no ATM facility available. Balances remaining at year-end can, at our discretion, be refunded into the member’s banking account. However, a minimum of R200 must remain in the Zurreal Healthcard.

 

• What happens when I resign from my medical scheme?

The Zurreal Healthcard is freestanding and can be used without a medical scheme.

 

• Can I have more than one Zurreal Healthcard?

Yes, up to 9 additional cards can be applied for under one account. Secondary cards are issued in the secondary applicant’s name. A secondary application request and ID are required. A card issue fee is applicable for every card application.

 

• What happens to the money if I pass away?

Just like any other bank accounts, your assets and banking accounts are frozen until  your estate is wound up, unless your Will & Testament appoints your spouse as sole  beneficiary, in which case a new card account is opened in the spouse’s name. Funds can be paid out to your Estate Account at the request of your Executor.

 

• What happens if I want to close the Zurreal Healthcard account?

You can cancel the Zurreal Healthcard at any time. Debit order cancellation must be submitted, in writing, to avoid debit order return charges. Zurreal Healthcard cancellations are processed at the end of each month. The available balance will be transferred into the member’s personal account.

 

• What happens if a service provider cannot transact my purchase successfully or does not have a point-of-sale terminal?

Members have two options when their transaction wasn’t successful:

 

• You would need to pay for the services / goods and claim a refund from your Zurreal Healthcard. The necessary invoice and proof of payment must be sent to the Zurreal Healthcard department.

• Alternatively, the amount may be sent to Zurreal Healthcard together with a Refund Request form and the invoice for payment to the service provider. For Zurreal Healthcard forms call 011 796 6464.

 

• Can I change my payment dates and debit order details?

A Debit Authority Form must be completed to change dates, amounts and banking details.  For Zurreal Healthcard forms call 011 796 6464.

 

• Tax implications on your Zurreal Healthcard

The Zurreal Healthcard is a bank-based facility and will be subject to taxes due on interest earned.  Statements can be submitted along with Tax Returns to indicate medical expenses incurred during a Tax period. A Tax Certificate on interest only is available at the end of the tax year.

 

• Lost and stolen cards?

You need to notify us on the Helpline 011 796 6464 immediately. A replacement card will be issued and the previous card will be voided. A replacement card fee is applicable.

 

What happens when you receive your Zurreal Healthcard?

Once you have received your Zurreal Healthcard, follow the easy steps below to become an active member and receive your PIN number:

• Sign the back of your new Zurreal Healthcard as soon as you receive it.

• To activate your card, SMS your 12 digit reference number at the back of your card along with your first name, surname and SA ID number to 41641, separating each element with an asterisk (*).

 

 Example: 1234567891011*John*Smith*8212125168089

• Once your card has been activated via SMS, a return SMS with your PIN number will be sent to you.

• Should you be unable to activate your card via SMS, contact our call centre on 011 796 6464/0861 ZURREAL (987 7325).

• Answer a few verification questions to prove that you are the correct card holder.

• Once verified your card will be activated and your PIN number will be SMS’ed to you.