Health Service Benefits

Both schemes and plans offer day to day benefits and hospital cover, which gives you peace of mind.

Products & Services

Our competitive edge is our ability to provide our clients with professional and expert advice.

Loyalty Program

Thebe Lifestyle is a reward program that offers exciting rewards such as Cellphone/Tablet and Airtime.

About Ndlovu Ulwazi

Ndlovu Ulwazi Consultants, is a fully FAIS compliant insurance brokerage founded in 1997.

Why Choose Ulwazi

Our competitive edge is our ability to provide our clients with professional and expert advice.

We know and understand the market we work in and ensure that we keep abreast of the changes in our

industry to offer our clients the best and most affordable products available to them.


And one of our professional healthcare consultants will get back to with the best options available

Frequently asked questions (FAQ)

How do I know which benefit option to select?

Ensure that you understand how the benefit options operate and elect, the benefit to suite your healthcare needs and what you can afford. A good broker will alert you to the options that are best suited to your needs. It is essential that you obtain the rules of the scheme or a summary thereof to verify all information relevant to enable you to make an informed choice.

Can I belong to more than one medical scheme at the same time?

No. It is illegal.

What does a waiting period mean?

Schemes can apply waiting periods because you have never belonged to a medical scheme or you have had a break in membership of more than 90 days before joining a medical scheme. You will not have cover or access to the prescribed minimum benefits during your waiting periods. This includes cover for emergency admissions.

What are Prescribed Minimum Benefits (PMB)?

In terms of the Medical Schemes Act of 1998 (Act number 131 of 1998) and its regulations, all medical schemes have, to cover the costs related to the diagnosis, treatment and care of:

  • any life-threatening emergency medical condition
  • a defined set of 270 diagnoses and
  • 27 chronic conditions.

These conditions and their treatments are known as the Prescribed Minimum Benefits (PMB).

All medical schemes in South Africa have, to include the Prescribed Minimum Benefits in the health plans they offer to their members. There are, however, certain requirements that a member must meet before he or she can benefit from the Prescribed Minimum Benefits.

The three requirements are:

  1. The condition must be part of the list of defined PMB conditions
  2. The treatment needed must match the treatments in the defined benefits on the PMB list
  3.  Members must use the scheme’s designated healthcare service providers.
What is the difference between a benefit and a limit?

A benefit is a pool of funds in a medical scheme reserved for specific healthcare services. For example, the Hospital Benefit pays for healthcare services when you are admitted to hospital as part of an approved admission.

A limit is the maximum amount or a cap on what we will pay for a particular, type of healthcare service. This applies when the service is paid from a specific benefit. For example, your optometry claims either pay from the Medical Savings Account or Above Threshold Benefit but we will only pay these claims up to the optometry limit for your health plan.

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Isle Of Houghton ,Old Trafford 4 Building,
Cnr Boundary & Carse O’Gowrie Road Houghton, Johannesburg

086 222 4444


Ndlovu Ulwazi Consultants is a licensed financial service provider with the Financial Service Board, FSP 35606, to provide advice and intermediary services in terms of the FAIS Act 37 of 2002.

Ndlovu Ulwazi is also accredited with the Council of Medical Schemes (CMS), ORG 163 and the Financial Intelligence Centre Act (FICA). Ndlovu Ulwazi’s compliance officer is Erick Vischer.