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 Address to refer: https://www.researchchannel.co.za/article/employees-electing-not-to-join-medical-aid-schemes-a-concern-2018-01-24
 Article Headline: Employees electing not to join medical aid schemes a concern
 Abstract: Construction and civil engineering industry professionals are reluctant to join medical aid schemes, citing monetary concerns as a primary deterrent. The Building and Construction Industry Medical Aid Fund (BCIMA) states that this is a concerning trend, given the number of work-related injuries and fatalities associated with these industries.
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