
The annual medical scheme open season is here! Most schemes have now released their 2026 contribution rates and benefit updates, effective from 1 January. Whether you're satisfied with your current plan or considering a change, now is the time to review your options. Be sure to finalise your decision by late November or early December.
With a wide range of benefit options available, the process can feel daunting—but you don’t have to navigate it alone.
Contact us to give you a comparison between at least 4 different schemes and or options if you want to use a specific scheme without any obligation.
✅ Key Considerations When Selecting a Medical Scheme or Benefit Option
Before locking in your choice, take time to explore your options thoroughly:
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Request an information brochure from us or your current or prospective scheme. Familiarise yourself with the scheme rules, benefit structure, and exclusions to ensure the option aligns with your healthcare needs and budget.
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Ensure you use a CMS-accredited healthcare broker to help you compare benefit options. This is optional but can be valuable if you're unsure where to start or need advice.
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Check for late joiner penalties or waiting periods, especially if you're joining a new scheme or have had a break in medical scheme membership.
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Understand your rights and the underwriting rules. While schemes may ask for your medical history, they may not charge higher contributions based on age or health status. Contribution differences may only be based on:
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Your income,
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The number of dependants, or
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A combination of both.
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Know your Prescribed Minimum Benefits (PMBs). These are essential healthcare services that all schemes must cover in full—provided you use a Designated Service Provider (DSP). If you opt for a non-DSP, co-payments or benefit limits may apply.
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Review the scheme’s medicine formulary. If your prescribed medication isn’t on the approved list, you may need to cover the cost out of pocket.
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Be transparent when disclosing information. Incomplete or inaccurate disclosures can result in claim rejections or even termination of membership. [Click here to learn more about disclosure requirements.]
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Understand the difference between medical scheme cover and health insurance. These are distinct products with different regulatory frameworks and benefits.
If you’d like help comparing options or understanding your rights, feel free to reach out to us as registered healthcare broker. Making an informed choice now can save you stress—and money—later.
Also see our FAQ for more information.
If you belong to an employer group, you will be locked into their medical scheme agreements but will still have options within a scheme or between a number of schemes.
If you are an employer in need of a Group Medical Benefits, please contact us for assistance.
We have compiled a checklist to assist you in your process. Download the document here

Being single often means navigating life independently, making decisions on your own terms, and defining your own path. Yet, when it comes to estate planning, many singles feel overlooked by the traditional one-size-fits-all approach that often assumes a family structure. This is an important reminder that your estate plan should honour your unique story because your life and legacy deserve nothing less.
Imagine sitting down with an advisor who first listens to your personal journey, your dreams, your current financial situation, and what security means for you, not just filling out a standard form. For singles, this process is empowering. It’s the moment your independence meets peace of mind, ensuring your wishes are respected exactly as you intend.
Whether you want to provide for friends, charities, or future partners, a tailored estate plan protects what matters most to you. When an advisor takes the time to listen first, they craft Wills that truly reflect your values and your story, guaranteeing your legacy lives on your terms, not someone else’s.
If you’re single and looking for estate planning that honours your individuality, don’t settle. Reach out to Wynand Louw for a consultation where your story comes first and your Will is created just for you.
Contact Wynand today and secure your legacy your way.

Wills Month in South Africa reminds us of the critical importance of having a Will that truly reflects our wishes. But for single parents, the process holds an even deeper emotional weight. It’s not just about distributing assets; it’s about safeguarding their children’s future and honouring a life built with strength, love, and sacrifice.
Imagine the relief and empowerment a single parent feels when sitting with an advisor who doesn’t rush to fill in forms but takes the time to listen carefully. The advisor hears about the client’s unique family dynamics, the challenges faced, and the hopes held close for their children’s future. These listening builds trust and it transforms the Will from a generic document into a deeply personal legacy.
For single parents, every decision matters. They want to know their children will be cared for, that guardianship is clear, and that financial security is thoughtfully planned. When advisors listen first, they craft Wills that respect their client’s reality and values, rather than rely on one-size-fits-all templates.
If you’re a single parent who wants a Will that truly reflects your story and secures your family’s future, don’t settle for less. This Wills Month, take the step towards personalized estate planning. Your journey is unique, and your Will should be too.
Reach out today for a consultation that begins with listening and ends with a plan as unique as your love for your children.

Important truth: having a valid Will protects your loved ones and secures your legacy. But beyond the legal papers and signatures, there’s a deeply human experience that often goes unnoticed—the feeling of being truly heard and honoured by an advisor who listens to your unique story.
Imagine sitting down with an advisor who doesn’t rush to fill out a form or push a standard template. Instead, they start by listening—really listening—to your life story, your dreams, your worries, and your current financial reality. This is not about ticking boxes; it’s about understanding the full picture of who you are and what matters most to you.
Clients often describe this experience as empowering and healing. It’s a moment where their voice is valued, where their complex history and hopes are woven into a Will that reflects not just assets, but legacies of love, care, and intention. There’s comfort in knowing the choices made will honour their values and ease the burden on their families.
This personalized approach makes all the difference. It turns the Will from a simple legal document into a lasting testament of a life thoughtfully lived. If you’re someone who wants more than a one-size-fits-all Will, who believes your story deserves to be heard and preserved in your estate plan, now is the perfect time to act.
Take the first step this Wills Week. Reach out for a consultation where you are honoured as the unique individual you are, and your Will becomes a true reflection of your life and legacy.

Did you know that 7 out of 10 South African adults pass away without a valid Will? This leaves families vulnerable, delays estate processes, and risks losing cherished legacies.
Wills Month—an initiative led nationally by the Law Society of South Africa—aims to change this. At Aquilla Financial Solutions, we proudly stand with this mission to make estate planning accessible, compassionate, and deeply personal.
Why a Will Matters
A Will is much more than just paperwork or a legal formality. It’s a powerful way to protect the people and things you care about most. Think of it as a heartfelt safeguard that makes sure your loved ones are taken care of exactly as you wish, easing their burden during difficult times.
Beyond the practical details, a Will is also a reflection of who you are — your values, hopes, and the legacy you want to leave behind. It gives you the chance to clearly express your final wishes, helping to prevent confusion, disagreements, or misunderstandings among family members when you’re no longer here to guide them.
Ultimately, creating a Will is an act of love and responsibility. It’s a way to ensure that your story, your achievements, and your care continue to live on in the way you intend.
To summarize, a will is:
- A safeguard to protect your loved ones
- An expression of your values and final wishes
- A tool that prevents conflict and confusion
- A way to ensure your legacy endures
Our Commitment: “You Refer, We Fulfil”
This September, we’re teaming up with Capital Legacy for their “You Refer, We Fulfil” initiative. Here’s how it works:
- Refer someone who needs a Will
- We assist them in drafting it—professionally, compassionately, and free of charge
- We securely store the signed Will in safe custody
- Whether or not they opt for the premium plan to cover estate costs, their legacy remains protected
Our simple goal this Wills Month is to make a difference in just one life. Because one Will can ease the heartache of loss. One conversation can transform a family’s future. One referral can safeguard a legacy.
Your Legacy, Your Way
At Aquilla Financial Solutions, we believe estate planning should be rooted in empathy, clarity, and care. Let’s make September meaningful—one Will, one life, one legacy at a time.
If you or someone you know would benefit from this initiative or have questions, please don’t hesitate to reach out.
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