Plan for healthcare needs
Medical Aid
Understand healthcare funding considerations as one part of your individual or family financial picture.
Who it may be relevant to
Different needs, considered in context.
- Individuals and families
- People approaching retirement
What to consider
Questions this service can help you explore.
- Your healthcare needs have changed
- You need help understanding broad options
- Healthcare costs affect another financial goal
How PWG can help
What we work through together.
- 01
Clarify needs and priorities
- 02
Frame the questions that matter
- 03
Connect healthcare planning to affordability and long-term goals
This page provides general information, not personalised financial, legal or tax advice. Any recommendation is subject to an appropriate advice process.
What to expect
How the conversation usually runs.
No step is a commitment. You decide what happens next at every stage.
We look at what healthcare cover you need and who is included.
We consider what it costs and how that sits alongside your other goals.
We frame the questions that matter when comparing options.
We help you take the decision forward with the right authorised specialist.
Before you come in
What is useful to have ready.
Rough figures are fine. Nothing here is a condition for starting the conversation.
- Who needs cover and any dependants who would be included.
- Your current scheme, option and monthly contribution.
- Your broader affordability, including any changes on the horizon.
Medical aid schemes PWG works with
Schemes and providers discussed with clients when healthcare funding is considered.
Listing an organisation here does not mean every product is available through it, does not imply an endorsement by that organisation, and does not guarantee availability, terms or pricing. Products are underwritten or administered by the respective organisation. Confirm the current arrangement with your advisor.
Common questions
Questions people ask about medical aid.
How does healthcare funding fit into a wider plan?
It is one competing claim on the same income as retirement, debt repayment and everyday spending. The useful question is not which scheme is best in isolation, but how the contribution affects the rest of your plan and whether it still matches the household's health needs.
What should I check when comparing options?
Whether your usual providers are included, what the contribution and the annual in-network limits would be, how the scheme treats chronic conditions and planned procedures, and what the family or dependant options cost. Those questions come first; plan names come second.
What happens after we talk it through?
The conversation produces a clear view of what you need and what you can afford. Any change is then arranged with the relevant authorised specialist, and the decision rests with you — a form is never a recommendation in disguise.
Would you like to discuss this?
Tell us what you need help with. This is a request, not a confirmed appointment.