HOLD Consulting

What we do

More than brokers, we help clients obtain value from expensive but ‘necessary financial evils’ (such as medical aid, pensions, insurance) to protect bread-winner earnings and families against age, disease and loss. “Expertise with service.”

About Medical Aid

South Africans are routinely denied Prescribed Minimum and other benefits available under every medical scheme option, confused by empty promises of ‘hospital cash back plans’.  “Try our quote calculator and PMB lookup to see what you’re missing.”

Retirement Funding

Using tax breaks, reducing costs and increasing returns are all key to providing for the eventuality that all will retire, change jobs, become disabled and, ultimately, die. Personal and corporate optimisation shows you how to get more for less.

HOLD Consulting

Since our formation in 1999, we’ve combined the personal touch of integrity and compassion with applied actuarial techniques that deliver “financial wellness” to clients, big and small. Our passion for health and wealth care is personal – we know each and every client.

Corporate clients benefit from fee based Service Level Agreements which remove the perverse incentive for intermediaries to sell the highest priced products, allowing split risk groups to avoid market share strife between competing vendors while alleviating HR, Compensation and Benefits from much of the burden of administration, education and quality assurance.

Individual clients benefit from economies of scale, enjoying the same level of corporate expertise and attention usually reserved only for the wealthy, “high net worth” clients. Every client is a VIP in our ethos.


Your medical aid offers online information, once you register on their website.

Seasonal News

  • SA’s ECONOMY shrank by -0.6% during the first months of 2014, sustained by a decline in exchange rates.
  • Open medical aid scheme 1st January contribution increases again exceeded official CPI inflation of 5.4% by a wide margin.  
  • Medical aid scheme year-end contributions are set to again average just above the regulator’s guideline of inflation plus three per cent, between a range of 9%-10% for many open schemes and options.