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Pharos Medical Plan

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Tel: (031) 267 5000
Fax: (031) 267 5169
P O Box 343

Pharos members have enjoyed REAL value for money, benefit rich healthcare products since 1994.Pharos is committed to sustainable and innovative healthcare solutions. The Scheme is founded on the principles that MEDICAL AID IS FOR WHEN YOU ARE SICK and that MEMBERS SHOULD BE IN CONTROL OF THEIR HEALTH RAND.

For this reason Pharos dedicates a Registered Professional Nurse to every member to guide each member to be in complete control of their health and healthcare spending. The goal behind this innovative service differential is not to restrict access to care, but rather to positively assist members to access their benefits to their best health advantage. Pharos ensures you receive personalised attention from a clinical professional who understands your health needs.

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From The Glossary »


Hardening Of Rates:

A market condition that allows insurer’s and reinsurer’s to agree policy terms and premiums with insured or reinsured that is more favourable to the insurer or reinsurer than in the recent past.
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