Market

Insights

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Latest
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dark green hospital

Latest
Articles

At CoverCubed, we place great interest in giving our clients the opportunity to educate and consider the various impacts of the medical insurance environment. Our expert strategic team is constantly at work providing market insights for our clients that are meaningful and interesting.

 

Please take some time to read some of our work and do not hesitate to contact our team should you have any questions.

The Top 5 Myths About Gap Cover

Think gap cover is too expensive or only for older people? CoverCubed clears things up and explains why it’s essential for all South Africans.

Planning for Tomorrow

Funeral cover is often overlooked in financial planning — but it plays a vital role when families face one of life’s most difficult moments. 

Flexicare for Employers

In today’s competitive South African business landscape, attracting and retaining talent goes hand in hand with looking after your team’s wellbeing. 

Medihelp Medical Scheme

Medihelp Medical Scheme has announced its adjustments for 2026, with increases carefully balanced to protect affordability while ensuring long-term sustainability.

Discovery Health Medical Scheme

No increase from Jan–Mar 2026; contributions only rise from 1 April 2026. This deferral saves members R1.5 billion and keeps costs at 2025 levels for the first quarter.

Discovery Health 2026 Update

Discovery Health Medical Scheme (DHMS) announced its benefit changes and contribution increases for 2026.

Bonitas 2026 Update Summary

Bonitas Medical Fund has launched their product enhancements for 2026. The scheme announced a weighted average contribution increase of 8.8% for 2026.

Bestmed Medical Scheme

Bonitas Medical Fund has launched their product enhancements for 2026. The scheme announced a weighted average contribution increase of 8.8% for 2026.

From Backpackers to Business Class

International trips carry risks – for example, medical emergencies, cancellations and lost baggage. Explore the world with Confidence – CoverCubed Travel Insurance.

The Hidden Costs of Hospitalisation

Private healthcare in South Africa is world-class, but also costly. Medical aid schemes reimburse at fixed tariff rates, while specialists often charge 300%–700% more. 

Why Broker Servicing Matters

Learn why ongoing broker servicing is key to managing medical aid, gap, funeral and travel cover. Discover CoverCubed’s client-first approach to health and insurance advice.

A Broker’s Guide to Ethical Selling

Discover how brokers in South Africa can build trust and boost long-term sales through ethical selling practices in health, gap, funeral, and travel insurance.

Insights for Brokers and Clients

Few things are more frustrating than having your insurance claim rejected — especially when you believed you were covered.

Decoding Policy Language

Gap cover is a powerful tool for protecting yourself from medical aid shortfalls, but too often, clients find themselves caught off guard by terms they didn’t fully understand.

Which Products Should You Combine?

With rising healthcare costs and increased financial uncertainty, South Africans are seeking practical ways to protect their health and wellbeing without overspending.

Funeral Cover in South Africa

Death is a certainty, but the financial and emotional stress it brings often catches families unprepared. 

Travel with Peace of Mind

In an increasingly connected world, South Africans are travelling more than ever — for holidays, business, education, or family visits. 

Discovery Flexicare Explained

In a country where quality private healthcare remains out of reach for many, the need for affordable and accessible cover has never been greater.

What Is Gap Cover

Healthcare in South Africa continues to evolve, with medical costs rising and provider charges often exceeding the limits covered by medical aid schemes. 

Understanding Co-Payments

Even with comprehensive medical aid, co-payments—out-of-pocket expenses for certain services—can add up quickly. Many people are surprised by the costs they incur.

Corporate Health Solutions

Companies that invest in comprehensive group medical aid plans not only enhance the health of their workforce but also experience improved staff retention and performance. 

Beyond Medical Aid

Mental health is a vital part of overall well-being, yet it’s often overlooked in healthcare planning. We ensure that mental health support is integrated into your healthcare.

Demystifying Gap Cover

Gap cover is one of the most misunderstood healthcare products. Many people think their medical aid is enough, only to discover unexpected costs when they need care.

Preparing for the Future

At CoverCubed, we understand the importance of adapting your medical aid to ensure comprehensive coverage at every life stage. 

The Role of a Healthcare Intermediary

Choosing the right healthcare plan can be overwhelming, especially with so many options available and the intricacies involved in understanding how medical aid works.

Combining Medical Aid and Gap Cover

Many people assume that medical aid covers all healthcare costs, but this isn’t always true. In reality, gap cover plays a vital role in bridging shortfalls.

how to get medical aid

Navigating the world of medical aid can be daunting for first-time buyers.  At CoverCubed, we specialise in making healthcare choices simple and stress-free.

Optimising Your Healthcare Budget

Healthcare coverage is essential, but balancing affordability with adequate care can be challenging.

Trends in Medical Aid Costs in SA

Medical aid costs in South Africa have been rising consistently above inflation for several years, with 2024 being no exception. Here are key trends shaping the medical aid landscape.

Navigating Open Enrolment

Open enrolment is your chance to switch, adjust, or enrol/apply for new medical aid plans. This once-a-year opportunity ensures you stay covered and adapt your plan.

Healthcare Workforce Development

The future of healthcare in South Africa
hinges significantly on the development
and sustainability of its healthcare
workforce.

The future of healthcare in South Africa hinges significantly on the development and sustainability of its healthcare workforce.

Sustainable Healthcare

As the world grows increasingly conscious of environmental sustainability, the healthcare sector is also recognising the need to adopt eco-friendly practices.

Adapting to New Normals

The COVID-19 pandemic has ushered in significant transformations across all sectors, particularly within the healthcare industry. These changes have altered healthcare.

Smart Healthcare Spending

Navigating the financial aspects of healthcare can be challenging, particularly when it comes to understanding and managing out-of-pocket expenses such as co-payments.

Embracing Wellness at Home

As healthcare evolves to meet the changing needs of patients, home care services have become an increasingly key component of medical aid plans.

Navigating Chronic Illness

Managing chronic illness requires more than just immediate medical attention; it demands comprehensive long-term healthcare planning and support.

Prioritising Family Health

The health of mothers and children is paramount, shaping the future well-being of families and communities. It is essential to recognise the critical nature of prenatal care.

Enhancing Corporate Healthcare

In an evolving healthcare landscape, employers play a crucial role in shaping the health benefits and wellness programs available to their employees.

Addressing The Hidden Cost

Mental health has long been an overlooked aspect of healthcare, but its impact on overall health outcomes and associated costs is significant.

Emerging Health Risks in South Africa

In an ever-evolving health landscape, new risks continually emerge, driven by environmental changes, shifting lifestyle patterns, and demographic shifts.

Global Health Trends

The global healthcare landscape is
rapidly evolving, with innovative trends
setting new standards in care and service delivery.

Custom Care

In an era where healthcare needs are as diverse as the individuals they serve, the one-size-fits-all approach to medical aid plans is no longer viable. 

Staying Ahead Of The Curve

The healthcare sector in South Africa is continuously evolving, with regulatory changes significantly impacting medical aids and gap cover policies.

Navigating The Rising Tide

Understanding the trends and future predictions of healthcare costs in South
Africa is crucial for effective financial
planning.

Navigating SA’s Medical Aid Schemes

Selecting the right medical aid scheme in South Africa can be a complex and daunting task. CoverCubed offers a solution that simplifies this process.

Embracing The Future

The landscape of medical aid and gap cover is undergoing a significant transformation, thanks to the advent of innovative technologies.

Comparative Analysis Guidelines

Choosing the right medical aid scheme is a critical decision for South Africans. With a variety of options available, understanding the unique features of each scheme is essential. 

National Health Insurance in SA

The National Health Insurance (NHI) plan in South Africa has been a topic of considerable debate, poised to reshape the healthcare landscape.

5 Benefits of Health Insurance in 2024

CoverCubed explores the benefits of
health insurance including no-age-limit options, tax savings and personalised
plans.

Understanding Gap Cover

Understanding Gap Cover

Gap cover has become an essential component of healthcare planning, yet its importance is often overlooked or misunderstood.

Navigating Medical Aid Plans

Navigating Medical Aid Plans

In the intricate world of medical aid plans, making the right choice can be a daunting task for the average person. This is where the role of a broker becomes invaluable.

couple looking at laptop

The Benefits of Health Insurance

Whilst the new year brings a fresh start filled with excitement and new possibilities, the world prepares in 2022 to enter its third year of being in a global pandemic.

Arissa Spencer
CoverCubed Client

I was assisted with purpose and knowledge from the incredibly friendly staff at CoverCubed. Many thanks.
Richard Kiddson
CoverCubed Client

I am grateful for the personal and expert advice that was shared to me through my communications with CoverCubed. I am confident in my health insurance products.

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