South Africa is one of the few countries in the world where you have to make provision for your own medical aid.

Unfortunately, it is one of the most important and expensive household expenditure. This makes it necessary for you, as a client, to make the right provision for your family.

The medical industry has changed dramatically over the past few decades because of technology developing around the clock, affecting everything.  Another factor that also has a cost driven effect on the medical aids is the constant changes in legislation that force the medical aids to pay for more procedures.

These forces put medical aids under a lot of financial pressure. Every year medical aid premiums go up, the benefits get less, and the clients get frustrated.  That is why it is important to know what you pay for, in return for your benefits.

Cum Laude Financial Advisors has been specializing in medical aids for the past 20 years and has one of the largest client bases in the country.  We deal with 19 different Medical aid schemes, and 5 different gap covers in the market, so we can help you with your specific needs, irrespective of what scheme you’re on.

Things to consider when you are looking for a medical aid:

Underwriting (waiting periods, exclusions, PMBs)

Late joiner penalties

Financial soundness of the Medical scheme


Your income bracket

Co – payments


Overall limits on certain procedures

Type of scheme

Benefit options

We represent the following Medical Companies:

Discovery Health Medical Scheme

Bestmed Medical Scheme

Bonitas Medical Scheme



Ingwe Health plan


LA Health

Liberty Medical Scheme


Medshield Medical Scheme

Momentum Health



Profmed Medical Scheme

Health Squared


Topmed Medical Scheme

Top Up Products:

Crises on Call



Resolution Gap Cover


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Get in touch with us.

Have any questions? We would love to help you.

Let’s talk