One woman’s journey is a vision realised for the built environment.  

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.  

Making a difference 

Ruth Maseko, who was appointed earlier this year as chief executive and principal officer of the 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.  

Healthcare needs 

With an understanding of the industry’s nuances that have been instrumental in shaping the 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 offering 

Affordability is one of the pillars of the 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 have 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. 

Tailored benefits 

The BCIMA’s practical approach to meeting the particular requirements of its members means the scheme offers comprehensive cover through a single, lifetime membership number, with the freedom to choose healthcare providers and access any private hospital.  

No network restrictions are imposed, 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.  

Extensive benefits 

Preventative care is a cornerstone of the 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 to manage stress and anxiety effectively,” Maseko says. 

The 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 to 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 opencast mining industries.  

Emergency services and telephonic medical advice are critical components of the 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. 

Stable and solvent 

The 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. 

The 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. 

Moving forward 

Ruth Maseko, chief executive and principal officer of the BCIMA.

In her journey from human resources to her current leadership role at the 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 cover, preventative care, flexibility and financial stability makes the 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. 

The BCIMA offers a medical aid fund uniquely structured for workers in the built environment. 

For more information, contact the BCIMA: 

Tel: +27 11 208 1005 

Email: bcimafund@universal.co.za 

Website: https://bcima.co.za/