Getting Started
How it Works
ADVISORY SERVICES
We elevate employee benefits management through strategic collaboration with key stakeholders, implementing industry-leading governance practices to optimise administration efficiency and maximise value creation.
01
GENERAL RETIREMENT FUND CONSULTING
Our end-to-end consulting expertise delivers transformative results across every aspect of retirement fund management:
- Benefit design and implementation through innovative, tailored solutions that align with your organisational objectives
- Comprehensive review and optimisation of existing benefit structures to ensure maximum effectiveness
- Strategic development and implementation of fund policies and procedures that enhance operational efficiency
- Expert tender specification drafting and service provider selection, ensuring optimal partnerships
- Strategic guidance on benefit arrangements during mergers and acquisitions to maintain continuity
- Seamless transition management from Defined Benefit to Defined Contribution schemes
- Professional orchestration of service provider changes with minimal disruption to fund operations
- Rigorous benchmarking against industry standards to maintain competitive advantage
- Proactive monitoring and analysis of developments in the employee benefits landscape
- Implementation of governance best practices to ensure stakeholder interests are protected
- Precise management of death benefit distributions under Section 37C of the Pension Funds Act
- Professional facilitation of trustee election processes and comprehensive training programs
- Detailed rate and benefit reviews to optimise fund performance
- Development of customized products tailored to unique organizational requirements
02
Your Journey to Excellence Begins Here
We don’t just meet industry standards – we define them. Our integrated approach combines deep expertise, innovative technology, and personalized service to deliver exceptional results for our clients.
Partner with AVIB to unlock transformative financial solutions that propel your organization toward a more secure and prosperous future.
How it Works
INVESTMENT CONSULTING SERVICES
Navigate today’s complex markets with confidence through our sophisticated investment solutions. Our expertise simplifies the investment landscape while delivering forward-thinking strategies backed by deep market intelligence and dynamic portfolio optimisation.
01
ASSET AND LIABILITY MATCHING
We perform detailed asset and liability modelling to establish an appropriate investment policy that reflects the fund’s current and future liability profile.
02
INVESTMENT POLICY DEVELOPMENT
We review existing investment policies, redefine manager mandates, set performance benchmarks, and ensure clear documentation of investment objectives and evaluation criteria.
03
DRAFTING MANDATES
We develop guidelines and parameters within which asset managers operate, ensuring alignment with fund goals.
04
INVESTMENT PROCESS OVERSIGHT
We monitor the investment processes of asset managers to ensure professional service delivery.
05
PERFORMANCE MONITORING
We regularly assess fund investment performance, leveraging surveys and comparative analyses to provide trustees with bi-annual reports. These enable trustees to evaluate their fund’s performance relative to market standards.
06
ASSET MANAGER SELECTION
We offer independent assistance in selecting, changing, or reallocating asset managers. Comprehensive discussions ensure trustees make fully informed decisions about investment strategies.
AVIB Healthcare Solutions
Setting the Gold Standard in Independent Healthcare Advisory Services
With decades of specialised experience in South Africa’s complex healthcare landscape, AVIB stands as your premier independent healthcare advisory partner. Our dual registration with the Council of Medical Schemes and the FSCA underscores our commitment to excellence and compliance, but it’s our unwavering dedication to client-centric solutions that truly sets us apart.
Why AVIB Leads the Industry
Our independence isn’t just a business model—it’s our cornerstone principle. While others may be constrained by scheme affiliations or insurer partnerships, AVIB’s sole allegiance is to you, our client. This freedom, combined with our deep industry expertise, enables us to deliver solutions that others simply cannot match.
Our Elite Healthcare Portfolio
Medical Aid Mastery
Medical Aid schemes are essential in South Africa, given the high costs and inaccessibility of private healthcare for many. Despite the introduction of NHI by government, having a robust Medical Aid plan remains crucial. Medical Aid provides comprehensive coverage for a wide range of medical expenses, including hospital visits, surgeries, and specialist consultations. However, the complexity and high costs associated with these schemes require expert guidance to ensure optimal benefits and cost-effectiveness, expertise matters. AVIB’s approach goes beyond simple comparisons – we architect healthcare solutions that protect both your health and wealth.
The AVIB Medical Aid Advantage:
• Proprietary analysis methodology that evaluates not just current benefits, but future healthcare trajectories
• Strategic benefit optimisation that frequently uncovers savings opportunities others miss
• Direct access to senior scheme administrators through our privileged industry relationships
• Proactive benefit monitoring and adjustment recommendations
• Crisis management support with escalation capabilities for critical cases.
Why You Need an Intermediary for Medical Aid
The intricacies of Medical Aid plans can be overwhelming. Having an intermediary to guide you ensures that you select the best plan tailored to your needs, maximising benefits while minimising costs.
Medical Insurance Innovation
AVIB redefines the approach to Medical Insurance by treating it not as a mere product, but as a strategic component of your healthcare portfolio.
We revolutionise Medical Insurance by integrating it as a strategic component of your healthcare portfolio, rather than just a product. Quality, affordable healthcare is essential for employee wellbeing, yet private healthcare solutions like medical schemes are often out of reach for many.
Medical Insurance provides a more affordable alternative, covering specific events such as GP and specialist visits, acute and chronic medication, basic dental and optical benefits, with optional accidental and trauma benefits. While it may not offer the same extensive coverage as Medical Aid, it is vital for protecting against unforeseen medical costs. Our expert advisers tailor Medical Insurance solutions to complement your overall healthcare strategy, ensuring comprehensive and affordable care.
AVIB’s Distinguished Insurance Approach:
• Customised cost-benefit modelling using our exclusive assessment framework
• Strategic integration with existing coverage to eliminate redundancies
• Proactive benefit utilisation monitoring and optimisation
• Risk projection analysis for future healthcare needs
• Annual coverage reviews and adjustment recommendations
Why You Need an Intermediary for Medical Insurance
Navigating Medical Insurance options can be complex. An intermediary helps you understand the nuances and select a policy that fits your specific needs and financial situation.
GAP Cover Excellence
GAP Cover is vital in bridging the gap between what Medical Aid schemes pay and the actual costs of medical procedures. Given the high prices and frequent shortfalls, GAP Cover provides financial protection, ensuring that clients are not left out-of-pocket for necessary treatments. This coverage is increasingly important in the face of rising healthcare costs and the potential inadequacies of NHI.
AVIB’s GAP Cover Mastery:
• Sophisticated shortfall risk analysis using proprietary assessment tools
• Strategic alignment with your Medical Aid to maximise combined benefits
• Proactive claims coordination to ensure seamless coverage
• Continuous monitoring of healthcare provider charging patterns
• Annual coverage adequacy assessments
Why You Need an Intermediary for GAP Cover
Understanding the specifics of GAP Cover and how it integrates with Medical Aid requires expertise. An intermediary ensures seamless coordination and optimal protection against unexpected medical expenses.
The AVIB Elite Advantage
Unmatched Expertise
• Advanced analytics capabilities that decode complex healthcare data into actionable insights
• Privileged relationships with key industry stakeholders
• Deep understanding of regulatory frameworks and upcoming changes
• Crisis management expertise for complex healthcare scenarios
Superior Service Architecture
• Dedicated advisory teams for personalised attention
• Proactive benefit optimisation reviews
• Priority access to senior consultants
• Sophisticated digital tools for claim tracking and benefit management
• Emergency escalation protocols for critical situations
Strategic Healthcare Planning
• Comprehensive healthcare portfolio design
• Long-term cost projection and management
• Regular strategy reviews and adjustments
• Integration with broader financial planning
For Employers
AVIB brings enterprise-level healthcare solution expertise to businesses of all sizes.
Our corporate healthcare advisory services include:
• Custom-designed healthcare benefit structures
• Employee wellness program integration
• Cost containment strategies
• Ongoing benefit optimisation
• Dedicated corporate support team
For Individuals
Experience healthcare coverage reimagined through AVIB’s personal advisory excellence:
• Personalised healthcare portfolio design
• Family coverage optimisation
• Life-stage benefit adaptation
• Proactive cost management
• Priority support services
Healthcare Solutions
The AVIB Commitment
When you choose AVIB, you’re not just selecting a healthcare advisor—you’re partnering with South Africa’s leading independent healthcare advisory firm. Our commitment to excellence, independence, and client success drives everything we do.
Each client relationship begins with our signature comprehensive assessment, where we analyse your unique healthcare needs, financial considerations, and future requirements. This forms the foundation of a long-term partnership focused on protecting your healthcare interests.
Contact us today to begin your journey toward superior healthcare coverage.
Contact: Avinash or Wayne on 087 23000 75 or drop us a mail at info@avib.co.za.
Whether you’re an individual seeking optimal personal coverage or an employer looking to provide world-class healthcare benefits, AVIB delivers solutions that others aspire to match.
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Enjoy comprehensive financial advice and simple solutions to help you create, grow and protect your wealth and assets.
AVIB. Aspire To Inspire.
AVIB is an independent consulting and actuarial practice that provides stakeholders with a support structure
to manage their employee benefits arrangements. AVIB was born in January 1997, a few years after our country achieved democracy.