Business Strategy

We have taken a conscious decision to focus on value and solution-packaging for our scheme clients. This requires the identification and analysis of healthcare opportunities so that we can provide a wide-ranging solution offering to meet our clients’ unique needs and service requirements in their totality. This fits in well with the wider Sanlam Group strategy. 

As such, we have determined to focus on three tiers for the open scheme market. Our strategy provides for the high-end product, middle income and lower end market. The open market strategy is complemented by an addition of a few carefully selected closed schemes.

The critical factor informing our strategy is to manage our scheme’s (or schemes’) operations in such a way that;

• Scheme branding is enhanced,
• Reserve ratios are kept well above the statutory requirement of 25%,
• Benefit offering is optimised
• Product pricing is competitive or better than competition,
• A quality service is delivered consistently, and
• Competition among our clients’ offerings is minimised, if not eliminated.