Medical aid & medical insurance – what’s the difference?

There is a lot of confusion and misunderstanding when it comes to medical aid versus medical insurance, and where hospital plans fit in, and this can make it difficult to decide what the best solution is to meet your needs. The reality is that they are not the same, and you cannot actually compare them, as they offer completely different benefits and serve different purposes.

A brave new market for transactional banking

Before we can unpack the operating challenges and opportunities in transactional banking, we need to emphasise this point. The global economy has faced a re-set of sorts as inflation has spiked higher and global interest rates have risen from historical lows. It is certainly not ‘business as usual’ in the world of financial services and banking.

Digital treasuries – is it too early for Africa?

There are many challenges for treasuries across the world, in any market, but the developing world has an opportunity for a head start in the switch to digital. This is borne out by the fact that the adoption of best practice treasury management tools, technology and integrated enterprise resource planning (ERP) systems that feed off data points all along the ERP value chain, are entirely within the grasp of corporate treasuries.

In sickness & in war – insurance coverage for global events

Events such as the COVID-19 pandemic and rising levels of cybercrime are encouraging insurers to revisit their policy wording to exclude certain events. Over the past three years, the world has suffered serious humanitarian and financial losses from the COVID-19 pandemic, climate change and catastrophic weather, political unrest and wars in central Africa, Europe and more recently, the Middle East.

Rate reprieve will lift holiday spirits after a tough year

While many factors indicated the possibility of a rate hike, the South African Reserve Bank (SARB)’s decision to hold their key lending rate provides some relief after a challenging year.

Protecting the biggest investment you are likely to make in your...

Are you thinking of buying property? It is a big investment and needs careful consideration. Once the finance is approved on your dream home, you need to be able to keep it safe along with the belongings housed within it as well.

The rise of affordable medical insurance

With its two-tiered, highly unequal healthcare system, only 14.86% of South Africa’s population can currently afford private healthcare, and rising costs are making it difficult for many to keep paying their monthly medical aid premiums.

What is perpetual KYC and why is it important

Know Your Customer. This phrase is a focal point of modern financial regulations, particularly concerning anti-fraud and anti-money laundering requirements. But KYC is even more valuable for managing risks with bad customers, speeding up transactions, and getting more business on the books.

Unpacking the true cost of living with & healing from cancer

According to the World Health Organisation (WHO), cancer is the leading cause of death worldwide, accounting for nearly 10 million deaths in 2020, or nearly one in six deaths.

More customer touchpoints can foster insurance personalisation

The evolution of consumer expectations in the insurance industry is reshaping the traditional insurer-customer dynamic. Customers are no longer satisfied with a one-size-fits-all approach; they are looking for a more personalised, meaningful, and continuous engagement with their insurance providers.


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