Medical Aid & Health Insurance
Comprehensive medical aid, gap cover, group risk insurance, and pension fund management — tailored plans that ensure security and peace of mind for your business and employees.
Who We Help
Companies of all sizes looking for health insurance, group risk insurance, and pension fund management for their employees.
New and existing clients seeking assistance in managing and improving medical aid coverage, gap cover, and other employee benefits.
Those seeking individual health coverage or looking to manage their group benefits more effectively.
Our Services
Ensure your employees and their families have access to the best healthcare services, even when costs exceed standard coverage.
Group risk insurance is essential for businesses to safeguard their employees' financial wellbeing.
Setting up and managing a pension fund ensures your employees' future is financially secure.
Key Benefits
We offer plans that fit your budget, business size, and employee needs — no one-size-fits-all solutions.
Our team provides dedicated support to guide you through your options, ensuring you make the best choices for your business and employees.
We help you stay compliant with all South African insurance and pension regulations, giving you complete peace of mind.
In the unfortunate event of a claim, our team is here to help you navigate the process quickly and efficiently.
How We Support You
We handle the complexity so you can focus on what matters most. Our dedicated support covers every aspect of your cover.
Any complications with claims? Let us handle the details.
We manage all approval paperwork on your behalf.
Necessary healthcare documents for travel, sorted for you.
Clarity on your benefits so you make the most of your cover.
Questions about plan options? We compare and advise.
Full guidance on navigating your Vitality programme.
Financial matters related to your medical aid, resolved fast.
Tailored gap cover quotes explained in plain language.
Common Claims Scenarios
Whether for routine doctor visits, hospital stays, or chronic condition treatments — we help you file claims swiftly and correctly.
When medical bills exceed your medical aid, gap cover kicks in to cover the difference, reducing out-of-pocket costs significantly.
From life cover to disability and critical illness claims, we ensure your employees receive the support they need during difficult times.
In the event of employee retirement or death, we ensure pension funds are disbursed in a timely and fully compliant manner.
Compliance & Legal
We stay up to date with regulatory changes so your business remains compliant without any extra effort on your part.
Operating under a Financial Services Provider licence, ensuring all advice and products meet FSCA requirements.
All services comply with Financial Sector Conduct Authority regulations to protect your interests at every step.
Full compliance with the Pension Fund Act for all pension fund offerings, protecting employee retirement savings.
All health-related products are structured in compliance with the Medical Schemes Act of South Africa.
Why Choose Impact
Years of experience in the South African market means we understand the unique challenges and needs of local businesses and individuals.
We prioritise your needs, ensuring you get the best options and customer service — from first quote to claims support.
Affordable solutions without compromising on quality or service. We compare the market so you always get value.
Common Questions
Which medical aid scheme is best for me?
The right scheme depends on your age, health needs, income, and family size. We compare all major schemes — Discovery, Bonitas, Momentum Health, Medshield — and recommend the best fit.
What is gap cover?
Gap cover pays the difference between what a medical scheme pays and what a specialist actually charges. This prevents unexpected out-of-pocket medical expenses.
Can I get medical aid if I have a pre-existing condition?
Yes — most open medical aid schemes must accept you. We help you choose a scheme where your specific condition is best managed.
Focus on growing your business while we take care of your employees. Get in touch for a free, no-obligation consultation today.
Get in Touch