1+ hour, 40+ min ago   (1272+ words) South Africa’s retirement advice gap is no longer only about whether fund members can access help. It is increasingly about whether that help comes early enough, is tailored to members’ circumstances, and reaches them when key financial decisions are made....

1+ week, 22+ min ago   (1399+ words) By the time a claim reaches a claims professional, it may be the 49th case they have dealt with that day. To the person making the claim, it may be one of the worst days of their life. The process may…...

2+ week, 4+ day ago   (686+ words) An insurer cannot simply rely on an omitted medical test to reject a claim if it cannot show that the non-disclosure was material to its assessment of the risk. That is the lesson from an Appeal Tribunal decision involving Bidvest…...

4+ week, 49+ min ago   (1663+ words) Planning financially for death remains essential. Increasingly, so too is planning for survival. Medical advances are helping more South Africans to survive serious illnesses than before. But as more people recover physically, insurers are seeing a growing need for protection…...

1+ mon, 3+ week ago   (1182+ words) A Western Cape High Court judgment has drawn a line between insurance and self-insurance, holding that, on the facts before it, a Santam “structured insurance” arrangement used by a citrus exporter was, in substance, not an insurance policy but an…...

2+ mon, 21+ hour ago   (1014+ words) The Government Employees Medical Scheme (GEMS) has confirmed that the Council for Medical Schemes (CMS) has not approved its proposal to reduce the scheme’s weighted average 2026 contribution adjustment from 9.5% to 7.5%, leaving the higher contribution adjustment in place. The CMS has…...

2+ mon, 3+ week ago   (1655+ words) South Africa’s medical schemes industry covers more than nine million people and manages hundreds of billions of rand in healthcare spending every year. But beneath the annual contribution increases and benefit changes lies an industry that has been quietly transformed…...

5+ mon, 3+ week ago   (569+ words) Welcome back to Cover to Cover: Medical Schemes Explained, a column in partnership with Medihelp, helping financial advisers to break down the complexities of medical schemes, so clients can make informed decisions. Read the earlier editions of Cover to Cover…...