Welcome to the Ginsburg Financial Services Blog site!

Mitzie is accredited with most Life Assurance Companies as well as Medical Schemes in SA to give advice on their products. She has been playing an important role in the industry for approximately 23 years and have received many awards for her time spent actively participating in the field.

Click on the links below to find out more about financial information, medical aid and keep up to date with what you need to do for your will and testaments.


When upgrading to a Gap Cover option that provides more comprehensive benefits, our 12 Month Pre-Existing Condition Waiting Period applies to the enhanced benefits. But… effective immediately, existing clients can make the most of our annual Option Change Window Period and change their Gap Cover option with a cover start date between 1 September 2020 and 1 March 2021.

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Bestmed Coronavirus Update

As the COVID-19 count in South Africa is reaching record highs – to the extent that at one point we had the highest number of new cases in one day, the harsh reality is that many of us are in the unfortunate position where we personally know someone who has the virus.

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Stratum Benefits Cancer Cover

When a client undergoes a mastectomy and/or reconstruction of an affected breast, and healthcare providers such as the surgeon and anaesthetist charge more than the rate the medical aid pays from a hospital or risk benefit, we assess the shortfalls under our Gap Cover benefit.

Our Breast Reconstruction benefit, on the other hand, covers the cost of a breast reconstruction of an unaffected breast when a client’s medical aid plan excludes this procedure from cover.

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Legacies, residue and ademption in estates

Ademption occurs when the bequest of an asset mentioned in a will is revoked due to the asset being sold, destroyed or given away by the deceased before they die. If the bequest is not revoked voluntarily, for example the asset was subject to judicial attachment, then ademption is not inferred and the onus of proving ademption lies with the person who claims the legacy must fail.

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It’s a lazy Sunday afternoon. Simon, your 10-year old son, falls from the treehouse and suffers a fractured ankle. You rush him to the emergency room at your nearest hospital.

Thank goodness you have a Stratum Benefits Gap Cover policy with Casualty Cover that refunds the amount that you pay from your own pocket, or that your medical aid pays from a day-to-day benefit or your medical savings account.

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Dying without a Will


All deceased estates will be distributed in terms of the Intestate Succession Act. This means that the beneficiaries in order of preference are:

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All COVID-19 tests to be covered from Risk for PUIs

The Council for Medical Schemes (CMS) has issued revised guidelines for medical schemes with regards to the payment of COVID-19 tests. Under these new guidelines, schemes must pay for all COVID-19 tests, whether they are positive or negative, from Risk and not from members’ day-to-day benefits if the member is a ‘person under investigation’ or PUI.

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COVID-19 emergency budget highlights

On Wednesday 24 June 2020, Finance Minister Tito Mboweni addressed the nation in a COVID-19 emergency budget speech. This was brought on by an extremely slow economic growth, a decline in investor confidence and the negative effects of the COVID-19 pandemic. Below are some of the key points that came out of the speech.

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