Independent Medical Assessments/ Reports
Certified Independent Medical Examiners are Board Certified Medical Professions who meet the exceedingly high international standards of the ABIME and are recognised diplomates of the Board as leaders in their professions. Key for Road Accident Fund claims. Read more
Road Accident Fund (RAF) Assessments
The Road Accident Fund requires that all assessments Whole Person Impairment Ratings be completed in accordance with the AMA Guides (6th Edition). Ayush Healthcare specialises in AMA compliant reports with its CIME consultants for Road Accident Fund claims. Read more...
Whole Person Impairment
Whole Person Impairment Assessments (WPI) for Road Accident Fund claims can only be done be trained and specially trained medical practitioners. CIME professionals have proven international skills and certifications to complete WPI assessments. Read more...
Narrative Test for the Road Accident Fund
The Narrative test applies to those individuals who have a serious injuries with impairment that impairs their Activities of Daily Living and the WPI rating assessment is in the region of 30% for Road Accident Fund claims. However the WPI has to be done in all cases prior to the narrative tests. Read more... .An independent, multi-skilled and efficient professional medico-legal consulting team for Road Accident Fund claims Learn more...
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I wish we could clone your team and place them around the country" - RAF Claims Handler
Ayush healthcare CEO: Dr Terrence O. Kommal
Dr Terrence O. Kommal is medical doctor and is also a Board Certified Independent Medical Examiner (CIME) in the AMA Guidelines (6th edition) by the American Board of Independent Medical Examiners and the American College of Disability Medicine.

He is one of the few privileged doctors in Africa to have successfully completed the PG Certificate in Medicine in Law (CML) in 2003. He studied directly and graduated under the personal guidance of Emeritus Prof SA Strauss, who is considered the the founding father of Medical Law in South Africa. Prof Peter Carstens who is now one of the leading authorities on Medical Law in SA, was also one of Dr Kommal's examiners in his CML.
As a qualified a medico-legal professional, he also has an intimate knowledge of the workings of the legal profession and statutes, Dr Kommal has personally represented himself and successful litigated against Ministries, Municipalities and other statutory bodies. He enjoys reading case law, and is current with leading judgments in a range of matters.
He has also completed a Senior Management Programme: Advanced Health Management Programme from Yale University.
He has also further completed a range of other academic courses in a various fields including infectious diseases, HIV, TB, emergency medicine, and military medicine, etc.
Dr Kommal is a full member of the Royal Society of South Africa since 2007 , after being nominated by two senior fellows and elected to full membership by the general council. The Royal Society is a royal charter institution, and is SA's leading academic body.
He is a Board member of The Ayurvedic Foundation of South Africa. He has presented to local and international panels for and with the Consul General of India (Durban), and the High Commission of India (HE Mr Bhatia) on Ayurveda, and Integrative Medicines.


