Medical aids are the “non-profit” giants governed by the Medical Schemes Act. They have to play by a very specific set of rules. Then you have health insurance providers like EssentialMED. They fall under the Short-term and Long-term Insurance Acts. Think of it like this: Medical aid is like owning a comprehensive homeowners’ policy that … Read more
The world has changed. A few years ago, putting 20,000km on a clock annually was standard. Now? Between Zoom calls, grocery deliveries, and the sheer soul-crushing cost of petrol, many of us are driving significantly less. I did the math on my own habits recently. I realized that if I’m not heading to a physical … Read more
Insurance is a grudge purchase. Nobody wakes up on a Tuesday morning excited to renew their policy. We do it because life is unpredictable and repair costs in 2026 are, frankly, terrifying. I recently had a friend—let’s call him Dave—who bragged about his OUTbonus check for six months. When it finally hit his account, he … Read more
Have you ever tried to read a standard insurance policy document? It’s usually thirty pages of legalese that feels like it was written in 1985 for a paper-clip factory. If you’re running a digital marketing agency from a home office in Umhlanga, why on earth are you being quoted for the same risks as a … Read more
Let’s talk about Jade. If you haven’t met her, she’s the AI brain behind the Naked app. Unlike the human adjusters of yesteryear who only work from nine to five and take long lunch breaks, Jade is always there. She’s awake at 3:00 AM when you accidentally back into a bollard after a late-night grocery … Read more
Iinsurance is usually a grudge purchase. You pay it hoping you’ll never need it. But Pineapple’s peer-to-peer (P2P) approach flips the script. Instead of your money vanishing into a corporate profit margin, it goes into a “community pot.” If the community drives well and claims stay low, that money doesn’t just sit there. It actually … Read more
Insurance is usually about as exciting as watching paint dry on a humid day in Durban. But when you’re choosing between a full tank of fuel and an insurance premium, it suddenly becomes the most important conversation in the house. I’ve spent the last few weeks obsessing over the fine print of these “Lite” policies, … Read more
The OUTsurance philosophy is what I like to call the “Set It and Forget It” model. They aren’t going to nag you about how hard you took that corner on William Nicol Drive. Instead, they focus on the long game. Their primary “fuel” benefit isn’t a discount on the liter; it’s the SmartDrive discount and … Read more
Capitec Life is the one everyone’s talking about lately. They finally got their own life insurance license a while back, moving away from being a middleman for other insurers, and honestly? It changed the game. If you’ve ever used their app, you know it’s built for speed. I remember helping my aunt set up her … Read more
In my line of work, we talk a lot about “vendor lock-in.” If you build your entire app on a proprietary cloud provider’s API, moving later is a nightmare. Sanlam Indie’s Wealth Bonus is the ultimate financial version of vendor lock-in. Here’s how the vesting works—and this is where people often skim the fine print. … Read more