Our services
Medical Aid, Insurance & Planning in One Place
Eight areas of cover, from medical aid and GAP cover to wills and estates. Start with one, or look at the whole picture together.
Eight areas of cover
Choose a service, or ask about them all
Each section below explains what the cover or plan is for, and, where it applies, the insurers and products we work with.
01 / 08
Medical Aid
Medical aid pays for private healthcare: hospital stays, specialists and day-to-day medical costs, depending on the plan.
GAP cover sits alongside it and helps with the shortfall when a specialist charges more than the medical aid pays. We help you compare plans and choose cover that fits your family and your budget.
Providers include
- Discovery Health
- Fedhealth
- Profmed for PPS clients
Plus GAP cover
02 / 08
Short-Term Insurance
Short-term insurance covers the things you own, such as your home, its contents, your car and your valuables, against loss, theft and damage.
We look at what needs covering and help you choose a policy that fits.
Providers include
- Santam
- Mutual & Federal
- underwriting managers
03 / 08
Loss of Income
Loss-of-income cover pays you a monthly income if illness or injury stops you from working.
It keeps the household running while you recover, so your savings and retirement plans stay on track.
Providers include
- PPS
- Sanlam
- Old Mutual
- Discovery
- Liberty
04 / 08
Death & Estate Planning
Life cover and estate planning work together so that your family is provided for when you die.
Planning ahead takes care of debts, estate costs and an income for the people who depend on you.
05 / 08
Retirement Planning
Retirement planning works out how much capital you need to retire on, and how to build it.
It looks at what you have saved, what you add each month and how long the money must last.
06 / 08
Investment Planning
Investment planning matches your money to your goals and to how long you can leave it invested.
Each option has its own costs, tax treatment and access rules, so the choice is made around you.
Including
- unit trusts
- ETFs
- endowments
07 / 08
Estate Planning
Estate planning arranges your assets so that your estate passes on as you intend, with as little cost and delay for your heirs as possible.
It brings your will, your policies and the way your assets are held together into one plan.
08 / 08
Will Planning
A valid will says who inherits what, and who looks after your estate. Without one, the law decides for you.
We help with simple wills, and a will template is available on request.
Simple wills; template on request
Talk to Sundra
Let’s Talk About Your Plan
Medical aid, cover, retirement or a will: send a message on WhatsApp or call the office to start the conversation.
or email sundra@lakshmi.co.za