Yes then save the savings in an interest bearing account. When you need medical funds you transfer from there. Things that are not covered by PMBs.
While I agree that the consultations are getting ridiculously priced. Other things like labs and x-rays and theatres do require ALOT of money...
well keep just the chronics and hospital like costal core and MAX your gap cover. Cheaper. Pay cash for Drs outpatients because the medical aid saving is just your money anyways and itll get hammered by everyone.
You can negotiate with your Drs when it comes to cash they will drop their price...
Actually I had this nick for long now before I even finished school. I actually came up with the name when i was small playing LAPD future cop on the playstation and it use to ask for a name so i randomly juggled player into riaxer then the rest is not really interesting history.
But funny how...