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GES SACCO Products and Services

Health

HEALTH SAVINGS PRODUCTS

Health Savings Schemes

GES SACCOS offer savings schemes specifically designed for healthcare expenses, allowing members to accumulate funds for future medical needs.

General Savings Accounts with Health Goal Allocation

Members can allocate a portion of their regular savings within a standard savings account towards future healthcare expenses. This provides flexibility and control over their funds.

Fixed Deposit Accounts for Planned Medical Needs

For anticipated medical expenses (e.g., scheduled surgeries or treatments), members can lock funds in a fixed deposit account for a specific term, earning higher interest

Call/Demand Savings Accounts for Immediate Access

These accounts offer easy access to funds for urgent healthcare needs while still earning some interest on the balance.

Dedicated Emergency Medical Savings Funds

Members can establish a separate savings fund specifically for unexpected medical emergencies, ensuring readily available funds when needed.

Goal-Oriented Savings Accounts with Health Labels

GES SACCOS allow members to specify a savings goal (e.g., "Medical Fund," "Health Savings") and track their progress, providing a visual representation of their healthcare savings.

Medical Aid Premium Savings Accounts

Members can save regularly to cover their medical aid society contributions, ensuring continuous health insurance coverage.

Wellness Savings Plans with Incentives

GES SACCOS offer plans that incentivize saving for preventative healthcare, check-ups, or wellness programs, potentially with bonus interest or rewards.

Group Health Savings Schemes

Groups within a GES SACCO allow groups or communities to pool their savings to create a collective health fund, providing mutual support to members facing medical expenses.

Savings Linked to Health Loans

Members with consistent health-related savings might receive preferential terms or interest rates on health-related loans when needed.

Funeral/Benevolent Savings for End-of-Life Expenses

savings for end of life expenses payable directly to the service providers.

HEALTH LOAN PRODUCTS

Medical Emergency Loans

GES SACCO offer medical emergency loans designed to provide quick access to funds for unexpected medical emergencies, such as hospitalizations, surgeries, or urgent treatments. They often feature rapid processing.

Hospitalization Loans

GES SACCO offer hospitalisation loans to cover the costs associated with being admitted to a hospital, including fees, medication, and other related expenses.

Maternity Loans

To assist members with the costs associated with pregnancy, childbirth, and postnatal care.

Optical and Dental Care Loans

Covering expenses for eye examinations, eyeglasses, contact lenses, and dental treatments.

Funeral /Bereavement Loans

While not directly for your health, these loans help cover the costs associated with the death of a family member, which can have a significant financial and emotional impact

Medical Equipment Loans

For purchasing or hiring medical equipment

Chronic Illness Management Loans

To assist members in managing the ongoing costs associated with chronic conditions, such as medication, regular check-ups, and specialized care.

Medical Travel Loans

For members who need to travel for specialized medical treatment

Loan Top-Ups for Medical Expenses

Members who already have an existing loan with GES SACCO are able to apply for a top-up to cover unexpected medical costs.

Salary-Based Loans for Healthcare

Standard salary-based loans can be used for any purpose, including covering medical expenses, and are often readily available to members with regular income.