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About the Health Funders Association (HFA)

The Health Funders Association (HFA), which was established in 2015, is a non-profit organisation representing stakeholders involved in the funding of private healthcare in South Africa. The organisation at present represents some 73% of the country’s more prominent medical schemes and 43% of South Africa’s total medical scheme membership base.


The process towards fulfilling the promises of the National Health Insurance (NHI) will be a complex and unprecedented process that will necessitate extensive reorganisation of the healthcare sector. As such the experience for most South Africans will not meaningfully change for years to come with hopes having been raised of achieving Universal Health Coverage (UHC) through the NHI Act.

This according to a media statement issued by the HFA. The chairperson of the HFA, Craig Comrie said that where constitutional and other legal issues exist, they will take the necessary action to protect the constitutional rights of individuals and their medical scheme benefits.

“The NHI Act in its current form will not achieve equity in healthcare and there are better ways to achieve the genuine objectives of Universal Health Coverage. We take the duty to protect access to quality healthcare in line with citizens’ constitutional rights very seriously and will not be deterred,” the statement read.

“We remain concerned about the long-term implications of certain sections of the NHI Act and its ramifications for the quality of healthcare for all South Africans, the sustainability of the healthcare system, and by extension, the rights of patients to quality care.

Comrie said that what is needed, is for all in the healthcare sector to unite their efforts to build a workable integrated funding system incorporating multiple funding streams and collaborative engagement to benefit everyone in South Africa. “There are workable alternative approaches which can achieve universal healthcare without compromising the freedom of individuals to choose how to fund their healthcare needs,” he notes.

“There are various paths towards Universal Health Coverage [UHC], and collaboration with private healthcare funders can bring the benefits of more equitable access to quality healthcare to millions more South Africans.

“The signing of the National Health Insurance (NHI) Bill into law by President Cyril Ramaphosa will shape South Africa’s healthcare future, yet at present there is no threat to medical scheme members’ benefits as the implementation of the NHI Act will be constrained by significant financial and structural constraints and complexities, not to mention legal challenges.

“Until the NHI Fund and public healthcare system are ready to support quality, dignity-affirming healthcare, private health cover could offer an effective means of elevating the standards of care and extending access to millions more South Africans. With the finalisation of long-awaited regulations such as those pertaining to Low Cost Benefit Options (LCBOs) and regular Prescribed Minimum Benefit reviews, real and lasting progress towards the goals of UHC could be made,” Comrie said.

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