BONITAS MEDICAL FUND by Outlook Publishing

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Making the most of your medical plans

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Healthcare to live your

Best Life Bonitas Medical Fund is demonstrating its stability in a difficult market, providing a range of plans and joining forces with other market leaders in pursuit of the best possible service and benefits for its members Writer: Phoebe Calver | Project Manager: Josh Mann

he vast majority of businesses in South Africa are required to be extremely agile when it comes to adapting to a changing environment, and the healthcare industry is no exception to this rule. Having just entered its 36th year in the healthcare industry, Bonitas Medical Fund is a great success story. The Scheme has evolved over the years from an initial membership base that was comprised exclusively of black civil servants, to the open medical scheme it is today. “The important change to an openscheme occurred in 1995 and since that point we have gone from strengthto-strength,” explains Gerhard van Emmenis, Principal Officer at Bonitas Medical Fund. “We are currently the second largest open scheme in South Africa and cover more than 700,000 lives. “Although our Scheme has grown in terms of numbers, we have also developed to progressively offer innovative benefits to our members to ensure that healthcare is both more affordable and accessible for all.”

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Our services

Customer Services Outsourcing

We are client focused and pride ourselves in our flexibility and hands-on approach when developing quality and cost-effective solutions and services. It is standard practice for us to regularly audit and review our various stakeholder providers to ensure that our clients receive optimal levels of service and pricing. As part of the process we use our economies of scale to obtain better value for money for our clients.

EOH Customer Services Outsourcing (CSO) defies the mould of traditional customer service related functions and services. EOH is passionate about creating value for our customers through the provision of harmonised end-to-end solutions, customised systems and quantifiable outcomes. These outcomes are aligned to our customer’s business strategy and objectives, and are underpinned by service excellence, risk management and technological proficiency. We help our customers operate at optimum efficiency through the various fields in which we specialise. These include business efficiency services, employee benefit advisory services, communication, outsourcing and the integrity verification, APO and legal services.

Employee Benefit Consulting (Retirement Funds & Group Schemes) Group Risk Benefit Healthcare Consulting Personal Financial Planning Wealth Management Commercial & Personal Short-Term Insurance Investment Consulting Estate Planning & Administration We are client focused We have the expertise, infrastructure, capacity, capabilities and effective processes embedded within the foundation of our client-centric approach to support the suite of consulting and support services on offer to clients. Why EOH Advisory Services? In our opinion our key differentiators from our competitors are as follows: Long term solutions driven - Client centricity and commitment, hands on management approach Transparent and ethical orientation – remuneration, independent compliance audits, BBBEE Governance and compliance – legislative and operational Flexibility – non-alignment to particular providers and strong relationships across the Financial Services industry, ability to implement required changes effectively and efficiently Expertise and experience – in-house, broad spectrum, forward thinking Our ability to link our consulting expertise and solutions across disciplines to optimise the client experience at no additional cost EOH has presence in all 9 South African provinces, including major city centres such as Johannesburg, Durban and Cape Town

Business Efficiency Services EOH CSO develops and maintains, on behalf of clients, bespoke and comprehensive query logging systems across multiple industries providing abilities covering: • CRM and query logging • Wellness and fitness Screening • Logistics Management • The Health Journey and ROI Model • Cloud telephony solution • Web development and hosting • File integrity verification • Social media management The Business Efficiency Services value proposition is in the ability to bring solutions to market in a highly efficient scalable manner. Solutions are built on industry leading technology platforms and architectures ensuring optimal performance and functionality. The solutions are generally web based for easy deployment and remote management and include functionality such as role-based permission structures and full audit functionality. Solutions are applied in industries including: • Health • Wellness • ICT • Financial services • Government CRM and Query Logging The CRM and query logging solution offers: • Query logging • Query auditing • Correspondence tools including: o SMS– including the ability to automatically pull SMS

T: +2711 554 1900 | E: info@eohas.co.za | www.eohas.co.za

into the CRM system and attach it to the relevant query o Email – including the ability to automatically pull email into the CRM system and attach it to the relevant query o Telephony integration for call recording and caller identification • CRM functionality including full profiling of customers • Advanced integration capability including SFTP, manual file upload and API • Auto-dialler functionality • Comprehensive reporting including reporting dashboards Logistics Management The events and logistics management system provides the ability to manage large scale event driven logistics by supporting: • Event creation • Event management • Resource allocation: o Human capital o Assets • Online event booking • Business Intelligence reporting dashboard

spend within an organisation by evaluating historical spend, organisational commitment and previous health wellness data. The ROI tool is continuously calculated with real-time results and is flexible to organisational constraints such as data availability. The ROI model provides concrete measure for businesses to understand the effects of interventions on staff wellbeing. The ROI model is best suited to clients that are utilising other EOH CSO services however, the ROI is available as a standalone. Cloud Telephony Solution

This industry leading wellness and fitness screening tool for use in the health and wellness environment offers: • Industry leading risk stratification methodologies including predictive algorithms for cardiovascular disease and type 2 diabetes • Advance integrations with external source systems • Automated individual and group reporting • Communication channels via SMS and email

The cloud telephony solution facilitates the management of calls within organisations. The software enables users to make referenced, recorded calls at no cost to the caller within a structured rule based environment providing: • Workflow management • Call cost containment • Use of existing cell phones, cellular network and landline infrastructure • Access to the system uses caller authentication (only accessible to registered users) • Failover contacts can be programmed according to roster • Calls are recorded for quality assurance purposes • Automated reference numbers • No cost to caller, centrally billed • Direct user code dialling or a prescribed IVR message • Capacity for 1000 concurrent calls (scalable) • Extensive call reporting available • Custom developed web-based management solution • On-going targeted SMS training

The Health Journey

Website Development and Hosting

The Health Journey is a consumer facing website which presents consumers with a holistic view of their health and wellness data in one place. The Health Journey accommodates: • Web based system with secure login details per user • Wellness data view • Fitness data view • Integrations with fitness tracking devices such as Fitbit and Jawbone • Direct integration with the EOH CSO wellness and fitness screening database for immediate display of data • Ability to integrate with third party wellness and fitness data providers

The creation of bespoke websites based in the latest web technologies ensuring websites are hosted and maintained in a secure environment, ensuring high availability of the site whilst providing: • Custom CMS (Content Management System) • Audit and approval functionality on content • Analytics and reporting • Project management of design

Wellness and Fitness Screening

ROI Model EOH CSO has developed a ROI model to evaluate the return on health, wellness and other employee benefit

Social Media Management Social media management and engagement services are offered across all social media platforms including Facebook, Twitter and Instagram including: • Advertisment campaign management • ROI reporting • Lead generation including integration with the CRM solution

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Perhaps the biggest challenge facing the private healthcare sector at present is the rising costs surrounding it, and subsequently medical schemes need to be proactive in curtailing those fees. “Healthcare inflation continues to outpace general inflation by approximately five percent, which we recognise is reaching a point that will endanger medical aid by making it prohibitively expensive for the public,” continues Van Emmenis. “We cannot simply say that this is not our fault or our problem, instead we need to constantly be looking for different methods in order to contain the costs as much as possible.” “The healthcare industry is an increasingly complex entity, while also being increasingly competitive. We have witnessed negative growth for the industry in recent years primarily due to healthcare inflation escalations. This has subsequently created a cutthroat environment in which we

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Although our Scheme has grown in terms of numbers, we have also developed to progressively offer innovative benefits to our members to ensure that healthcare is both more affordable and accessible for all Gerhard van Emmenis, Principal Officer at Bonitas Medical Fund

OH Advisory Services (Pty) Ltd is an independent financial services provider offering professional guidance and customdesigned solutions based on value creation.

objective of integrating and consolidating wellness initiatives aimed at ensuring the wellbeing of mutual clients’ employees.

Inherent in its approach is its recognition that no individual can be a specialist in all facets of the financial services market and thus the architecture of its business model comprises an integrated team of professionals each specialising in their respective market segments.

Without the cooperation of Bonitas, the EOH initiatives around EAP, screening and wellness events, occupational health, executive wellness, absenteeism management, disability and incapacity management, onsite gyms and wearable medical technology would have been that much more difficult to bring to market.

EOH Advisory Services, recognising the unique challenges facing clients and the turbulent landscape in which companies operate, endeavours to harness the expertise inherent in its multi-talented business model to release quantifiable value and leverage for clients. EOH Advisory Services prides itself on a “right first time” approach to business. And being a customer and people-centric organisation, its approach to business relationships is firmly embedded in its philosophy of “Partner for Life”. This business philosophy, adopted and practiced by EOH Advisory Services, is underpinned by its utilisation of best practice standards and methodologies, all fully compliant with the FAIS Act and industry regulations. When one considers the corporate philosophy that sets it apart, it should come as no surprise that it envelopes clients with an approach to service that speaks to the core principles of guidance, education and protection. This approach to business is duplicated by Bonitas and is a critical catalyst in the close relationship between the two companies which has developed over the years. Bonitas has played a key role in assisting EOH to develop healthcare policies with the

The EOH value extraction process sets it apart from competitors and is made possible via the use of qualitative and quantitative analytics tools and methodologies. In short, a key attraction is that it offers clients in the healthcare and retirement funding landscape a single vendor, end-toend employee benefit solution without the inherent downsides of traditional “one-stop shop” providers that are so prolific in the insurance and financial services industry. In conclusion, EOH has the capacity and expertise across a broad spectrum of corporate business activities from IT to HR, to employee benefits. And its ability to deliver a combined end-to-end human capital and employee benefit solution via the EOH BOP (Business Process Outsourcing) business model places it ahead of its competitors in a market starved of lowcost high-value solutions. We are proud to be associated with Bonitas as meaningful players in the medical aid landscape.

info@eohas.co.za +2711 554 1900 www.eohas.co.za

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are all fighting to produce the best possible product at the lowest-rate.”

Core specialities

At present the core focus for Bonitas is to ensure it offers members medical aid that best suits their lifestyles and finances; to that end there is a wide selection of options available including traditional options, savings options, income-based options and hospital plans. Unlike the rest of the financial services industry, Bonitas prides itself on offering plans that are simple to use, easy to understand and designed specifically for the South African market. “At Bonitas we have 12 plans available, each designed to perfectly meet the needs and budgets of South Africans from all walks of life,” adds van Emmenis. “These plans are covered under the umbrella of management of healthcare for our members, with two particular focus areas that specifically include cost containment and preventative care.”

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At Bonitas we have 12 plans available, each designed to perfectly meet the needs and budgets of South Africans from all walks of life

edscheme has consistently delivered innovative medical aid administration and health risk management solutions for more than four decades. We form close partnerships with our clients that include leading medical aids and large corporate companies in South Africa, Africa and internationally; driven by our vision of ‘Creating a World of Sustainable Healthcare’. Today, Medscheme is South Africa’s largest health risk management services provider and second largest medical aid administrator. We reach more than three million people through our network of branches conveniently located throughout South Africa, as well as Botswana, Namibia, Swaziland, Zimbabwe and Mauritius. Our proven combination of client-centricity and expertise is founded on excellence in corporate governance and world-class information technology. These attributes position Medscheme as the ideal business partner for corporate clients and medical aids that seek to offer quality health risk management and affordable health insurance to their members and employees. Medscheme offers a comprehensive range of fully outsourced quality solutions, including managed healthcare, medical aid administration and health risk management. Medscheme’s offerings cater to medical aids as well as large corporate clients. Our clients include AECI Medical Aid Society, Barloworld Medical Scheme, Bonitas, Fedhealth, Government Employees Medical Scheme (GEMS), Horizon Medical Scheme, Hosmed Medical Scheme, MBMed Medical Aid Fund, Medshield, Namibia Health Plan, Nedgroup Medical Aid Scheme, Old Mutual

Staff Medical Aid, Fund Parmed Medical Aid Scheme, SABC Medical Scheme, SAMWUMED, Sasolmed and the South African Police Service (POLMED). In 2017, Medscheme was awarded the Titanium Award for Service Excellence in Administration and the Titanium Award for Service Excellence to members of Closed Medical Schemes. Other Medscheme awards include Africa best employer brand awards for Human Capital Strategy, talent management and promoting health in the workplace; as well as Think money awards for the best overall, best for service, best payouts and best for cover. Over the past eight years, we also received the following awards: • Hello Peter awards for achieving the highest compliments and lowest complaints ratios • Ask Afrika awards presented us with the best service award • Diamond Arrow Award for Excellence for two consecutive years • IRMSA awards for Health Care Risk category Customer experience is not only driven by a strong focus on efficient payout of claims, it is underpinned by convenient touch points. These touch points include instant messaging, web services, email communication and a network of walk-in centres spread across South Africa as well as the customer contact centre which is manned by highly competent agents. Medscheme is sound management of fraud, waste and abuse, through its data analytical capabilities, Medscheme is enabled to not only provide strong end to end health administration and managed care but also to deal with fraud efficiently.

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GILDENHUYS MALATJI ATTORNEYS

ildenhuys Malatji Attorneys is honoured to be among the service providers who share in celebrating Bonitas’ 35th birthday. We have walked the path with Bonitas since 2007 and Bonitas is a client with which we share a deep connection through shared values and similar vision – we both seek to make our mark within the South African landscape so as to contribute meaningfully to society and to the benefit of our people.

As previously mentioned, with thanks to the inflation costs currently being experienced by the industry, cost containment has become a major point of interest. Van Emmenis continues: “During the 2016 financial year, the Scheme experienced an increase in the utilisation of healthcare services, particularly hospital admissions and related benefits. Towards the end of the year we embarked on a hospital negotiations strategy, resulting in savings of R242 million the following year and all without compromising members’ access to quality healthcare. “We will continue to negotiate robustly in this manner, containing costs wherever possible and negotiating the best possible rates for members. “This year we will be carrying out a secondary initiative in order to identify hospitals on our network that are not cost-effective and work towards

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We are currently a level 2 BEE contributor and strive to organically bring about transformation through organic growth and empowerment. Since inception, we have reached many diversity milestones. Presently, 31 percent of our Directors, 61 percent of our lawyers and 64 percent of our complete staff are black. We are committed to gender as well as racial equality, and this shows in the fact that 17 of our 49 lawyers (35 percent) are industry-leading women.

Towards the end of the year we embarked on a hospital negotiations strategy, resulting in savings of R42 million the following year and all without compromising members’ access to quality healthcare

Our firm has been in existence for more than 30 years, and in that period, we have sought to distinguish ourselves by ensuring that our professional skills are only trumped by our ethical approach – we put our clients at the forefront of our business and seek in every way to ensure that their business initiatives and strategies are carried out in an efficient and ethical manner. As Bonitas works to ensure the best possible care for its members, we take care of Bonitas’ legal health and hope to be a partner to Bonitas for many years to come. PRETORIA OFFICE: T +27 12 428 8600 F +27 12 428 8601 E pretoria@gminc.co.za SANDTON OFFICE: T +27 11 068 5900 F +27 11 068 5901 E sandton@gminc.co.za

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GMI is a unique firm of empowered individuals. It is grounded by integrity and draws strength from its diversity. We strive to invent the future by providing innovative solutions to our clients.

PRETORIA OFFICE: GMI House Harlequins Office Park 164 Totius Street Groenkloof Pretoria S25°46’1.803” E28°13’14.838” Tel: +27 12 428 8600 Fax: +27 12 428 8601 pretoria@gminc.co.za P.O. Box 619, Pretoria, 0001 South Africa, Docex 4 Pretoria

SANDTON OFFICE: Sandton Office Katherine & West Building 114 West Street Sandton Johannesburg S26°6’29.566” E28°3’32.762” Tel: +27 11 068 5900 Fax: +27 11 068 5901 sandton@gminc.co.za P.O. Box 619, Pretoria, 0001 South Africa

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With 30 years behind us, we continue to invent the future

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DENIS Bonitas’ dental partner of choice since 2005 As a specialised managed care company DENIS harnesses its expertise to navigate the complexity of the dental discipline. We provide our clients with a world-class dental managed care programme and deliver innovations that enhance their dental offering to 3.2 million lives. Range of services offered by DENIS Dental benefit management with dental claims assessing and comprehensive claims managed care: The unique DENIS Tooth Chart system – a key DENIS innovation - provides the cornerstone of how we manage dental benefits. This proactive approach enables us to focus on eliminating unnecessary and wasteful expenditure while it also ensures that all treatment rendered, is clinically appropriate.

improving their efficiency. During the next few years ahead, we will likely seek to identify other options that will ensure we grow and retain our existing membership base, this will include the possibility of amalgamations as well as the development of new distribution models and channels.” The Scheme’s managed care programmes also play a vital role in both the development of Bonitas and in ensuring that it can compete in the market. “With the increase in prevalence of lifestyle diseases and the rising cost of treatment, there has been a trend towards prevention and managed-care protocols,” affirms van Emmenis. “At Bonitas we cover a range of areas including cancer, diabetes, mental health and HIV/AIDS through specialised managed care programmes. “These programmes include vital tools that will enable our members to achieve the best possible clinical

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Data analytics and fraud detection: DENIS focuses on fraud prevention, and shares industry leading expertise and resources with key stakeholders to ensure that ethical practices are followed and fraudulent practices eliminated.

At Bonitas we cover a range of areas including cancer, diabetes, mental health and HIV/AIDS through specialised managed care programmes

Network management services: DENIS manages three dental networks which consist of more than 55 percent of all claiming dental providers in South Africa. Network practitioners are encouraged to provide clinically appropriate treatment that addresses the needs of well-informed members. “Not only does this lead to member satisfaction, it also improves the oral health well-being of those members.” Pre-authorisation services for specialised dentistry and in hospital case management, clinical advisory and benefit design services, and call centre services “Our approach is member centric to ensure that we have happy members and providers, while always ensuring sustainability for our medical scheme clients.” T +27 21 528 5300

www.denis.co.za

DENIS is your Innovative Dental Partner of Choice â€œWe are passionate about dental and strive to continuously exceed your expectations. Now that is something to smile about.â€?

Looking after your smile A Bonitas Partner since 2005 www.denis.co.za +27 21 528 5300

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outcomes through quality care and ongoing wellness support. They offer access to clinical support as well as educational material to empower members to take control of their health.”

Key improvements

In 2017, Bonitas was bolstered by the introduction of the Bonitas Diabetes Management Programme, the success of which was underpinned by the Scheme’s ability to identify potential diabetic patients and enrol them on the programme while also actively managing them through support, testing and education. Van Emmenis continues: “This year we have introduced a managed care programme that focuses on mental health, while also exploring the available options to introduce alternative reimbursement models for procedures such as knee and hip surgery. “Connecting with our customers still

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This year we have introduced a managed care programme that focuses on mental health, while also exploring the available options to introduce alternative reimbursement models for procedures such as knee and hip surgery

• Innovation via a telemedicine programme that combines both ophthalmologic and optometric skills in delivery world class primary care • Quality management by ensuring the delivery of premium quality lenses to Bonitas members by Iso Leso is unique in that it is owned by the majority of leading optical laboratories via our VisionPartner optometrists that serve the Bonitas member community. Programme. This has allowed for the development of a direct relationship between the members, optometrists and These principles are echoed in the Bonitas philosophy, network over the past four years. As direct owners of and Iso Leso is an ideal partner as we share in similar Iso Leso, the optometrists are motivated to deliver the philosophies. highest levels of professional care to Bonitas members. Iso Leso Optics Ltd, is a leading network of optometrists that is proud to be associated with Bonitas Medical Scheme since 2015 as a designated service provider.

Iso Leso is unique in subscribing to five pillars of excellence: • Ownership by optometrists to drive service excellence • Efficient Benefit Designs that cater to comprehensive clinical care and savings to member and scheme • Practitioner Enhancement Programme (PEP) is a first in South African healthcare that actively promotes clinical excellence in line with global standards

Currently, Iso Leso provides comprehensive optometric cover to Bonitas members and has met or exceeded their expectations. Our partnership over the past four years has resulted in the development of innovative optometric programmes that are now industry benchmarks. Iso Leso is a proud partner of Bonitas Medical Fund and look forward to delivering greater innovation and value to an industry icon.

203 Beyers Naude Drive Northcliff Randburg, 2115 E: info@isoleso.co.za T: 0027 11 340 9200 Option 1 - Benefit Department Option 2 - Accounts Department

www.isoleso.co.za

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GLOPIN

t takes a special kind of people to build a sense of community in the business world. We would like to congratulate Bonitas on their 36th anniversary and applaud their success and dynamic innovations in the medical aid industry. Glopin is proud to be in a working relationship with an industry leader that not only understands the market, but shows empathy and respect to its members and service providers. Bonitas continues to stand side by side with Glopin Healthcare Consultants in the sector and more specifically our focal market of Local Government. Glopin Healthcare looks forward to another 36 years with Bonitas in the medical aid sector. T 041 374 3899 E maxine@glopinpe.co.za

www.glopin.co.za remains a key focus area, as we seek to improve upon our digital capabilities in the hope that it will better our members’ experience while also communicating effectively and keeping them informed and engaged.” The Scheme aims to use best technology available in order to make things more simple and effective for the customer. “We have also implemented an Electronic Health Record which enables our members to track their healthstatus, while also making proactive changes to improve their general health and quality of life,” states the Principal Officer. “It will also help us monitor chronic conditions in order to stop them from developing or worsening.”

Member retention

For organisations such as Bonitas, technology and enhanced infrastructure is an area that needs to be closely studied in order to make the required regular improvements.

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WELLNESS ODYSSEY

We have also implemented an Electronic Health Record which enables our members to track their health-status, while also making proactive changes to improve their general health and quality of life

ellness Odyssey is a subsidiary of the AfroCentric Group, established in 2012 with the purpose of facilitating wellness interventions for corporate clients. The Company uses practical interventions such as Wellness days and technology to enable clients such as Bonitas Medical Fund to promote health awareness to their members and integrate interventions with managed care solutions. Throughout its partnerships with Bonitas, Wellness Odyssey has enabled positive outcomes that include: • Identification of non-communicable clinical risk • Increased awareness on prevention of non-communicable diseases • Improved retention and growth of current client business membership base

MEDICAL AID BROKER Glopin Healthcare Consultants have specialised in providing professional medical aid advice for more than 18 years. Operating in both the local government & private sector, Glopin’s range of contracted medical aid schemes is diverse & well suited to the more than 6,800 members we service. Glopin has established a remarkable footprint across South Africa that includes it’s head office in Port Elizabeth, a branch office in Cape Town & satellite support services throughout the Eastern, Western Cape & Gauteng. Our new service offering in Kwazulu Natal further extends our ability to provide excellent service to more members across South Africa. Glopin is proud to provide professional medical aid advice in a market that can at times seem rather daunting and has forged long term relationships with all its customers oevr the years. Our ability to provide independent advice & our direct access to medical aid adminstrators on the service front ensures that our customers recieve on the spot service & our commitment to the highest service levels. Our highly trained sale & administrative staff are there for you and waiting to provide excellent service.

Port Elizabeth (Head Office)

Cape Town

T: 041 374 3899 | F: 041 373 2222 E: maxine@glopinpe.co.za

T: 021 914 1854 | F: 081 914 1856 E: nathalia@glopin.co.za

www.glopin.co.za

Proactive management of health and prevention of disease is key in today’s healthcare approach, this is the value that Wellness Odyssey brings in a practical manner to all our clients. Our work with Bonitas ensures that individuals can quickly pick up potential health challenges and they can do something about them immediately, in that way it saves the medical scheme funds in the long term but more importantly it helps the members to have a better quality of life

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“Finding meaningful ways to connect with our members, while also empowering them to take care of their health is a critical factor in our services,” continues van Emmenis. “In addition, there is currently an increased prevalence of chronic illnesses such as diabetes, hypertension and mental health and we are closely studying ways to improve the disease burden and clinical outcomes for each individual with these conditions.” In order to keep carrying out this research and improving its service, new members are a critical factor to the sustainability of any medical scheme. In October, 2016 Bonitas amalgamated with LMS Medical Scheme (formerly Liberty Medical Scheme) concluding the largest transaction of its kind in the industry, with an excellent migration rate. “We are delighted that during the amalgamation more than 90 percent of the LMS members utilised one of the 12 plans that we offer, providing

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The amalgamation of Bonitas and LMS followed an increasing trend within the healthcare industry to create stronger and more sustainable medical schemes, with the hope that they would provide enhance cover and benefits for members

us with a much higher retention rate than anticipated,” explains van Emmenis. “The amalgamation of Bonitas and LMS followed an increasing trend within the healthcare industry to create stronger and more sustainable medical schemes, with the hope that they would provide enhanced cover and benefits for members.” Since it came to fruition, Bonitas has received numerous awards for its service expertise and excellence, most recently demonstrated when it received the Ask Afrika Orange Index, Kasi Star Brand Award and the Icon Brands Survey award in the same year. “Our members are aware that when things get tough, we are more than capable of handling the smaller details to ensure they receive the best care in the business,” concludes van Emmenis. “We continue to explore and implement solutions that will help to curtail costs and allow our members to derive real value for money.”

BRINGING HOPE TO THE PEOPLE

• Limpopo • Mpumalanga • Northwest • Gauteng, • KZN • Northern Cape • Lesotho Avoir Corporate Healthcare is 100% black owned broking company established in 2006, with an aim to provide one stop medical aid consulting service rendering an objective, independent and professional medical aid related advice to both individuals and Organizations. Our core business is Healthcare and our aim to assist our client to derive the maximum benefits from their total healthcare budget. We ensure that a single entity is responsible for coordinating a selection of schemes, ensuring that objective advice and assessment of schemes in terms of benefits, effectiveness of administration, cost, financial stability and data warehousing is provided. T: +27(12)3456505 | F: 012 345-1196 | enquiries@avoir.co.za | www.avoir.co.za

Outlook Creative Services

Outlook Publishing’s awardwinning in-house team is now utilising its extensive production skills to offer a full and bespoke range of editorial, design and marketing services via its new Outlook Creative Services division.

Afrocentric Distribution Services has been a proud partner of Bonitas Medical Fund for over 10 years and wishes them a long and successful future. Services oﬀered: • Sales • Distribution channel management • Business development • Marketing • Public relations and communications • Event management

F O R M O R E I N F O R M AT I O N V I S I T: www.outlookpublishing.com/creative-services

The Greens Oﬃce Park, Building L, 26 Charles de Gaulle Crescent | +27 (0) 12 001 2500

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Tel: 0860 002 108 queries@bonitas.co.za