With impressive growth of almost 12% over the past financial year – in a largely stagnant economic environment, the Building and Construction Industry Medical Aid Fund (BCIMA) is demonstrating a clear ability to meet evolving market needs ahead of annual option renewal selections.
Ruth Maseko, appointed earlier this year as Chief Executive and Principal Officer of BCIMA, attributes the growth to measures that are less easily quantified, including member confidence, peace of mind, and the crucial role of medical schemes in fostering positive employee relations.
“Working closely with staff members in the construction industry throughout my career, I know what a tremendous difference a good medical scheme can make. It’s not just about covering medical expenses; it’s about ensuring everyone in the workforce feels valued and protected,” Maseko explains.
With an understanding of the industry’s nuances that have been instrumental in shaping BCIMA’s approach to healthcare, Maseko, a former BCIMA Trustee, is championing a unique blend of industry insight and compassionate leadership.
In her prior role as an employee relations executive, she witnessed firsthand how critical a robust medical scheme is for employees to thrive. Her transition to the BCIMA leadership role has been marked by a profound commitment to enhancing the healthcare experience for those in the building, construction, civil engineering and opencast mining industries.
A formidable medical scheme offering
Affordability is one of the pillars of BCIMA’s success. Maseko emphasises that the scheme’s single contribution rate allows principal members to include their children and spouses at no extra cost, simplifying financial planning.
“We’ve kept our contribution increases below inflation consistently, ensuring that our members can enjoy sustainable and affordable healthcare,” she says. This commitment to affordability is crucial in an industry where workers often face financial constraints.
BCIMA’s practical approach to meeting the particular requirements of its members means the scheme offers comprehensive coverage through a single, lifetime membership number, with the freedom to choose healthcare providers and access any private hospital. BCIMA imposes no network restrictions, allowing members to seek care from any trusted provider. “This flexibility is essential for our members, who often move between sites or regions.
“Furthermore, our members can consult traditional healers and homoeopaths, which is significant given the cultural importance of traditional medicine in South Africa,” Maseko notes. This inclusive approach ensures that all aspects of members’ healthcare needs are addressed.
Preventative care is a cornerstone of BCIMA’s offerings. The scheme provides extensive benefits, including regular health check-ups, screenings, and mental health services. “We understand that mental health support is crucial in the high-stress construction environment. Our members have access to support, which helps them manage stress and anxiety effectively,” Maseko says.
BCIMA goes beyond basic healthcare, offering specialised treatment programmes, including up to 21 days of treatment for alcohol and drug abuse. “Unfortunately, substance abuse can be a hidden issue in our industry. Providing support for those struggling with addiction helps create a safer and more productive work environment,” Maseko explains. These programmes are designed to address the unique challenges faced by employees in the construction, civil engineering and open-cast mining industries.
Emergency services and telephonic medical advice are critical components of BCIMA’s comprehensive care. The health-on-line service offers telephonic medical advice and dispatches ambulances when needed. “This service is a lifesaver, especially for our members working in remote locations. Knowing that help is just a phone call away provides immense peace of mind,” Maseko says.
BCIMA is known for its financial stability. With a solvency ratio exceeding 80%, the scheme is one of the most financially robust in the industry. “Our financial strength ensures that we can continue to offer top-notch services without compromising on benefits,” Maseko emphasises.
BCIMA’s industry recognition is a testament to its excellence. Rated as one of the Top 5 medical schemes by the Council for Medical Schemes, it enjoys strong support from various professional associations and unions, including the Bargaining Council for the Civil Engineering Industry and the National Union of Mine Workers. “Our deep understanding of the industry, built over decades, sets us apart. We are not just a medical scheme; we are a partner in health for our members,” Maseko proudly states.
Looking ahead
In her journey from human resources to her current leadership role at BCIMA, Maseko is steadily telling a story of dedication, insight, and transformative leadership from behind the scenes of an industry upon which millions of South Africans depend.
“Our commitment to affordability, comprehensive coverage, preventative care, flexibility, and financial stability makes BCIMA the gold standard that is within reach for our members. We understand the industry because we are an intrinsic part of it,” Maseko concludes.
Maseko and the BCIMA team’s mission is clear: to ensure that the hardworking men and women who build the nation can do so with the confidence that their health and well-being are in capable hands.