Start with your priorities

Consider who needs cover, your monthly budget, preferred providers and the benefits that matter to you. A comparison should explain the trade-offs instead of relying only on a contribution figure.

Compare more than the monthly price

Check provider networks, co-payments, day-to-day benefits, savings arrangements and authorisation requirements. Ask for the current official benefit documents and a personalised contribution quote before deciding.

Before changing cover

Confirm the proposed start date, acceptance terms and any waiting periods or penalties that may apply. Do not cancel existing cover until the transition and terms have been confirmed. Your individual history affects the assessment.

Advice and ongoing administration

Charles Steffen is a representative of Manage All (Pty) Ltd, as disclosed on this website. Ask which schemes and options can be considered, how remuneration works, and whether any separately agreed services carry a fee. We can also assist with administrative queries after your review.

Arrange a conversation

Tell us the type of help you need using the contact form. Ask us to explain the scope of support and any charges before agreeing to a service.

Sources and further reading

General information. Your scheme rules and individual circumstances matter. Contact your scheme or an appropriately qualified adviser for a decision about your situation.