BMW Employees Medical Aid Society believes  members and doctors need to be free to choose the rate of payment for medical services. When billed using the Society Rate, BEMAS repays claims directly to the healthcare professional. The member gets direct payment for claims billed higher than the Society Rate. You can then settle the claim with the doctor.

We constantly engage with the relevant representative bodies to look at ways of enhancing professional relationships to the benefit of both parties. We look to do this without compromising our principles.

The healthcare funding industry needs to carefully balance the needs of all the key roles players – namely healthcare professionals, members and the Society.

The Society participates in the Discovery Health GP and Premier Rate Specialist Direct Payment Arrangements. You can benefit by using healthcare professionals participating in the payment arrangements because the Society will cover their approved procedures in full (within the available limits of your relevant benefits). These providers will not charge you for services provided and claims will be paid directly to the providers, which will be convenient you.

Healthcare professionals who participate in the payment arrangements are also the Designated Service Providers (“DSP”) for Prescribed Minimum Benefits, and payment will be made as stated. However, if you choose not to use the DSPs, the Society will continue to cover the cost of your treatment by such practitioners at up to 100% of the Society Rate.

Click here for your in-hospital guide.

Click here for your out-of-hospital guide