Explore Our Services
Healthcare Consulting
We pride ourselves on being the leading, truly independent medical aid specialist in KZN, offering intermediary and advisory services for Medical Aid, Gap Cover and Primary Healthcare. Our goal is to provide outstanding customer service through our team of specialist consultants and our client centric approach, which in turn provides improved efficiencies for our corporate and individual clients. Our consultants are distinguished for their experience and capabilities in the healthcare industry ensuring that our clients receive the most effective and professional service. Our extensive skills encompass all aspects of consulting including strategic, operational and member support.
Individual and corporate services to our clients include:
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Advising clients on the most suitable medical aid and gap cover for their circumstances
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Escalations where the product provider is not meeting their contractual or legislative requirements
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Educating clients regarding the benefits available to them
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On site member presentations for corporate clients
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Assisting clients with plan changes and addition of dependents
Our employee benefits division has contracts representing all the major players, making our team well equipped to ensure our clients and their employees belong to the most appropriate vehicle to fund for their retirement and group risk needs. Clients enjoy bespoke services offered through this specialist division, headed up by a wealth of experience and supported by skilled efficiency.
Our services include the following and much more:
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For new funds and schemes, we structure a benefit selection in accordance with the company’s profile, needs and affordability
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Day-to-day administration of the fund, including the processing of member movements and risk claims
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Ensuring provider turnaround times are met
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Annual comprehensive review and market comparison
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Reconciliation of contributions on a monthly basis
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Contributions monitored monthly to ensure the fund stays up to date in accordance with Section 13B of the Pension Funds Act
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We facilitate setting up an Advisory Body consisting of at least two Employee Representatives and two Employer Representatives
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Attending and facilitating Advisory Body/Management board meetings as and when required
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Any meetings convened involving the Fund or decisions regarding benefits which must be attended by all members of the Advisory Body as well as Proper Group Consultants
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Establishment of risk parameters confirming the relevance of the investment portfolio in this context
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Communication of legislative and market changes, as well as advice and support
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Member education to ensure members understand their fund and benefits
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Financial planning and needs analysis is offered by our individual specialists
Corporate Benefits
Short Term Insurance is the newest division at Proper Group and we are currently focused on Short Term Insurance Personal Lines through a selection of insurance providers and will refer business to other experts where necessary, such as Short Term Insurance for Commercial Lines.
We have in-house capability to assist our individual clients with their personal short term insurance solutions, holding contracts with Discovery, Momentum, Old Mutual, and PPS. This enables our clients to maximise on the extremely attractive integrated solutions offered by these organisations.
We can assist with Short Term Insurance in the following ways:
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New policy applications
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Quote comparisons on existing policies
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Guidance and education
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Claim and query escalations
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Referral for Commercial Lines
Short Term Insurance
As an independent Financial planning organisation, we have contracts with all of the major insurers and investment companies. Our Financial Planners and para planners are highly qualified and hold the relevant accreditations which are necessary to provide sound financial planning advice.
Each client obtains a tailor made solution specific to their requirements, circumstances and risk profile. Coupled with an in-house Compliance Manager to ensure adherence to the FAIS Act and General Code of Conduct, we pride ourselves on being able to offer all our clients superior service and objective, independent advice.
Following the international trend of utilising Discretionary Fund Managers (DFM) we have partnered with Rutherford Asset Management to compile and manage model portfolios.
Services to our clients include:
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Analysing their financial situation in terms of insurance and investments
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Recommending appropriate products to address the shortfalls identified
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Ensuring clients have sufficient risk cover relating to life insurance, disability, severe illness and all related products
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Ensuring clients are not over insured and are receiving the best value for money on their premiums
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Providing client policy schedules and portfolios
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Face to face client meetings
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Annual reviews
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Assistance with claims