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Healthcare Innovation in Sub-Saharan Africa

Healthcare Innovation in Sub-Saharan Africa
Kelly Widdop - Bayer South Africa

Healthcare innovation in Sub-Saharan Africa is rapidly evolving, driven by the need to address critical healthcare challenges such as limited access to healthcare services, high rates of infectious diseases, and growing non-communicable diseases (NCDs). With a population of over 1.1 billion people, many of whom live in rural and underserved areas,
innovations are crucial to improving healthcare delivery, accessibility, and affordability.

What innovation in healthcare looks like

Healthcare innovation means more than introducing new medicines or medical devices; it involves creating integrated solutions that address both immediate health needs and systemic barriers to care. Globally, healthcare innovation is being driven by advances in digital technologies, personalised medicine, and artificial intelligence (AI) diagnostic tools. In developed regions, this includes the development of digital health, which provides remote consultation, diagnostic services, and treatment monitoring, helping to overcome geographical barriers for patients in underserved areas. In Saharan Africa, healthcare innovation is focused on overcoming infrastructure challenges and expanding access
to self-care and wellness education. Both globally and locally, and in Sub-Saharan Africa, innovation is reshaping healthcare systems, making them more resilient, accessible, and responsive to the evolving needs of populations.

A decade of transformation – where we are as Sub-Saharan Africa

Sub-Saharan Africa presents a unique set of healthcare challenges, including limited infrastructure, a shortage of resources, and barriers related to affordability and access. Although not showing all at once, many changes are being achieved within the healthcare sector.

Over the past decade, the consumer health sector has undergone transformative growth, driven by a shift towards personalised wellness and a global demand for accessible and preventative care. Innovations in digital tools such as telemedicine and health-tracking apps, have empowered individuals to take charge of their health in real time,
fostering a proactive approach to wellness. Alongside this, there has been a surge in personalised health products from targeted vitamins and mineral supplements, dry-to-sensitive skincare solutions, eco-friendly packaging and natural-based ingredients, which is gaining importance as consumers increasingly seek brands that align with their values. These changes have reshaped consumer health, making it more responsive, inclusive and environmentally conscious.

In the realm of nutritional vitamins and minerals, due to the rise in health awareness and lifestyle health management, many consumer health companies have tailored supplements to address common nutrient deficiencies such as bleeding gums, fatigue, joint pain, and delayed wound healing which are usually linked to, for example, a lack of calcium, vitamin b, vitamin c, vitamin d, and zinc. Consumer healthcare products, particularly vitamins and supplements, have empowered individuals to manage everyday health needs independently. With the availability of essential nutrients that support immunity, energy,
mental clarity, and general well-being, consumers can now address minor ailments and manage everyday minor issues without needing to visit a doctor all the time, which can get expensive, especially for the low-income consumer. Instead of relying on medical help from a doctor for minor problems, consumers can now find over-the-counter solutions, saving both time and money.

The past decade has brought many changes in the dermatology space within the Sub-Saharan African market. With a focus on unique skin issues in the region, like sun damage and risks from unregulated skin-lightening products, there have been several public campaigns promoting safer skincare. Plus,  with the expansion of telemedicine and digital health platforms, more and more people have access to dermatological consultations than ever before, without worrying about distance. The growing popularity of the use of natural ingredients has become super popular as consumers prefer these safer skincare options. In addition to the easily accessible dermatological products, there has been a significant increase in dermatological education and training across the region to build dermatological expertise in the region. Overall, these investments in both new product innovation and community engagement continuously empower consumers to manage their skin health.

In Sub-Saharan Africa, there have been some great advancements in allergy care, making it easier for people to find over-the-counter solutions for their allergy issues. With more people living in cities and changes in lifestyle and the environment, allergies like rhinitis,
food allergies, and seasonal allergies are on the rise. To help with this, healthcare providers and companies have made antihistamines more accessible, allowing people to manage their symptoms without always needing to see a specialist. Plus, there is now a lot of useful
information available on how to recognize, prevent, and treat allergic reactions, which helps consumers handle their allergies more effectively without frequent medical visits.

Capacity building – a crucial aspect of the transformation

Capacity building has been a crucial aspect of this transformation. Investments in healthcare infrastructure, training programs, and community health initiatives have strengthened the overall healthcare system. For instance, healthcare providers have been trained to use digital health tools effectively, ensuring that they can offer remote
consultations and monitor patients’ health from a distance. Community health workers have been equipped with the knowledge and resources to educate people about self-care practices, preventive measures, and the importance of regular health check-ups. These efforts have not only improved healthcare delivery but also empowered individuals to take
control of their health.

Access to self-care has also expanded significantly. With the availability of over-the-counter products, individuals can now manage minor health issues on their own and educational campaigns have raised awareness about the importance of self-care, encouraging people to adopt healthier lifestyles and seek medical advice when necessary. This shift towards self-care has reduced the burden on healthcare facilities and allowed individuals to take a more active role in managing their health, and these changes have reshaped consumer health in Sub-Saharan Africa, making it more responsive, inclusive, and environmentally conscious.

What Sub-Saharan Africa can continuously adopt to succeed

Global relations and intercontinental trade have uniquely provided Sub-Saharan Africa an advantage in bringing successful healthcare innovations to the region.

The adoption of digital health platforms has the potential to change healthcare delivery in rural and underserved areas. Remote monitoring systems can help close the gap in access to health services, making it easier and more convenient for people to get care–just like what has been done successfully in places such as India and Latin America. Personalised health solutions, such as vitamin supplements and skincare products, can cater to local needs and encourage people to take charge of their health and health education initiatives delivered through social media and schools can empower individuals with health literacy,
creating a culture of preventive self-care and informed consumer choices.

Additionally, telemedicine and remote care technologies can also be expanded across Africa to keep track of consumers’ health, ensuring they get continuous care even when healthcare facilities are hard to reach. Healthcare in Sub-Saharan Africa should go beyond just offering new products; it should be about creating lasting solutions that truly
empower people, patients, and communities. Innovations that fit local needs can make a real difference and improve lives across the continent.

References

*https://reliefweb.int/report/world/state-health-who-african-region-analysis-status-health-health-services-and-health
*https://www.frontiersin.org/journals/digital-health/articles/10.3389/fdgth.2023.1037113/pdf
* https://africahealthforum.afro.who.int/

* https://www.intechopen.com/chapters/1176535
*https://www.afdb.org/fileadmin/uploads/afdb/Documents/Publications/Innovative_e%E2%80%91Healthb_Solutions_in_Africa_Award.pdf
* https://www.sciencedirect.com/science/article/pii/S1386505621000939
*https://www.discovery.co.za/corporate/health-healthcare-lies-in-digital-world
* https://africandigitalhealth.org/

HONOR’s AI is redefining SA photography

HONOR’s AI is redefining SA photography
HONOR Magic7 Pro

    Experience next-level photography with HONOR’s AI-powered innovation

Smartphone photography has transformed how we document life, making professional-quality images accessible to everyone. From vibrant cityscapes in Johannesburg to breathtaking sunsets over Cape Town’s beaches, South Africans have embraced the art of lifestyle photography to capture their everyday moments. With the latest advancements in AI-driven smartphone cameras, global technology brand, HONOR, is redefining how users experience photography, ensuring every shot is crisp, vibrant, and full of life.

The AI HONOR Image Engine: A Game-Changer for Lifestyle Photography

HONOR’s commitment to photography innovation is evident in the AI HONOR Image Engine, which enhances image quality through cutting-edge artificial intelligence. Integrated into the HONOR Magic7 Series, this technology allows users to capture professional-grade images effortlessly, no matter the setting. Whether it’s a scenic game drive in the Kruger National Park, a street food market in Cape Town, or an intimate family gathering, the AI-powered camera optimises every shot to deliver stunning results.

AI-driven Portrait Perfection

South Africans love capturing portraits, from cultural ceremonies to everyday moments with loved ones. The Light and Shadow Portrait Large Model in the AI HONOR Image Engine ensures beautifully detailed and well-lit portraits in any lighting condition. With AI-enhanced Portrait and All-scenario Harcourt Portrait, users can create images that rival professional studio photography, even in dimly lit environments like a sunset braai or a candlelit dinner. The AI bokeh effect further enhances images by blurring the background naturally, making the subject stand out with remarkable clarity.

For those who love live events, the Stage Mode feature is perfect for music festivals like Back To The City or CottonFest. With smart brightness adjustments and shadow detailing, the AI HONOR Image Engine ensures clear, vibrant shots even in challenging concert lighting.

AI Super Zoom: Perfect for Scenery and Travel Photography

From Table Mountain’s breathtaking vistas to the rolling hills of the Eastern Cape, South Africa offers endless opportunities for landscape photography. The HONOR Magic7 Pro’s AI Super Zoom feature, powered by a 200MP Telephoto Camera, allows users to capture sharp, detailed images from afar. Whether you’re watching wildlife on a safari or capturing the Cape Winelands’ beauty, AI-enhanced resolution ensures that every detail is preserved, even at a distance.

AI Motion Sensing: Capturing Action with Precision

Whether it’s a thrilling rugby match at Loftus Versfeld or kids playing on the beach in Durban, movement is an essential part of lifestyle photography. The AI Motion Sensing Capture feature uses intelligent subject recognition to freeze action moments with precision, making it ideal for sports photography or spontaneous street scenes.

Additionally, the HD Super Burst feature allows users to take multiple shots in rapid succession, ensuring the perfect moment is never missed. Whether it’s a surfer catching a wave or a dancer mid-spin, AI-driven capture makes it easy to get the perfect action shot.

The Future of Smartphone Photography in South Africa

HONOR is pushing the boundaries of smartphone photography, making high-end imaging technology accessible to users across South Africa. By integrating AI innovations with intuitive camera systems, HONOR empowers users to capture and share their unique lifestyle experiences with unparalleled quality.

With AI-powered features enhancing portraits, landscapes, and action shots, the HONOR Magic7 Series is the perfect companion for South Africans looking to elevate their photography game. Whether you’re documenting cultural heritage, capturing nature’s beauty, or preserving everyday moments, HONOR ensures that every shot tells a story.

HONOR is steadfast in its mission to redefine the standards of AI excellence within smartphone photography, striving to provide users with the utmost intelligent capturing experience. Pioneering groundbreaking advancements in smartphone photography, HONOR stands out as the first smartphone manufacturer to seamlessly fuse the capabilities of cloud AI and on-device AI within mobile imaging, underscoring its unwavering dedication to establishing new benchmarks within the industry.

About HONOR

HONOR is a leading global provider of smart devices. It is dedicated to becoming a global iconic technology brand and creating a new intelligent world for everyone through its powerful products and services. With an unwavering focus on R&D, it is committed to developing technology that empowers people around the globe to go beyond, giving them the freedom to achieve and do more. Offering a range of high-quality smartphones, tablets, laptops and wearables to suit every budget, HONOR’s portfolio of innovative, premium and reliable products enable people to become a better version of themselves.

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Mandisa “Zulu Mecca” Nduna on becoming an unassuming yet dangerous VIP bodyguard

Mandisa “Zulu Mecca” Nduna on becoming an unassuming yet dangerous VIP bodyguard
Mandisa “Zulu Mecca” Nduna
Mandisa “Zulu Mecca” Nduna is no stranger to the world of film, television, and music. With notable roles in projects like Blood Psalms and Sew The Winter to My Skin, as well as a career in hip hop that earned her a nomination at the SA Hip Hop Awards, Mandisa has consistently proven herself as one of South Africa’s most versatile artists.
Her latest role in the Showmax Original Empini is no exception. In Empini, Mandisa plays Mbali, a determined, dangerous, and sharp VIP security guard at Mkhonto Protection Services who becomes a close associate to Ndoni, played by Nambitha Ben-Mazwi.
Trailer:
Zibuyile Dladla speaks to Mandisa about her role in the world of Empini.
What was it like for you to play the role of Mbali, considering it’s quite different from your previous roles?
It was a refreshing change to play a character like Mbali. It allowed me to step into the action world – chasing bad guys and protecting important people. I was especially drawn to the opportunity to handle guns, something I don’t do in real life.
As a masculine-presenting actress playing a masculine-presenting character, were you hesitant about taking on a role that might be too similar to who you are in real life?
Not really. For me, playing a masculine-presenting woman in a masculine role doesn’t mean the character is like me. Mbali is younger and more serious, especially given her role as a VIP security guard. She’s not as playful or relaxed as I am. I made sure not to make her too much like me; I wanted her to be distinct. I didn’t want her to be too urban, since I am, so I gave her a more serious tone and had her speak more in vernacular. I also tried to make her posture and walk more disciplined, as I tend to slouch. I felt confident I could mould her into someone very different from myself.
Although Mbali plays more of a supportive character, can you tell us more about her background?
Mbali has a troubled past: she wasn’t focused and didn’t get into university. Her family life wasn’t ideal, so she had to find a way to escape. With university not being an option, she found herself working as a VIP security guard. In Season 2, we see how determined she is to save Mkhonto Protection Services (MPS) because it means everything to her. If she loses this job, she knows her life will become even more difficult. She dedicates herself to the company, knowing that its success will improve her life as well.
If you didn’t play Mbali, which character would you have wanted to portray?
I think I would’ve loved to play Sandile Mahlangu’s character, Jabu, the IT guy. He’s a bit nerdy but cool, and I think it would’ve been fun to take on that role. It would be interesting to see what that character would look like coming from me, given my appearance.
What kind of physical preparation did this role require?
I’m quite an active person; I used to do CrossFit and have done roles that required physical strength and agility. I try to maintain that in my personal life by going to the gym regularly. Since I’m smaller in stature, I focused on improving my mobility and strength to make my physicality on screen look convincing. When playing a character like Mbali, who faces threats, it’s important to portray a sense of capability and confidence, especially in physical scenes like throwing punches.
What kind of research did you do around private security guards?
I did a lot of research, especially about bodyguards like the Amazonian Guard, an all-female elite group that protected Muammar Gaddafi. Mbali is like them – unassuming yet dangerous. I wanted to show that a smaller, less physically imposing person can still be a highly capable bodyguard. My research focused on agility, speed, and precision with weapons – traits that Mbali embodies.
What’s your take on safety on set, especially when dealing with real guns?
Safety on set is crucial. While handling real guns with blank bullets can be exciting, it’s essential for everyone to stay aware of their surroundings. Emotions can run high during stunts and fight scenes, so extra caution is needed. We all need to ensure we’re not just focused on the performance but also on the safety of everyone involved.
Empini viewers love the Mkhonto character, played by MJ Sedibo. Why do you think he’s gained so much popularity despite his cringe-worthy moments?
Honestly, I love Mkhonto too [laughs], because I know people like him in real life. As a rapper, I often meet people who have the same energy as Mkhonto – passionate but without the skills. He’s relatable because he doesn’t need to do what he does; his family is well-off, but he does it for the fun of it. His delivery and attitude add a comedic touch. It’s funny because he’s not trying to escape the “hood” like most rappers, yet he acts like he’s living that life. I’m excited to see how people respond to his character’s growth in this season.
Why should people watch Season 2 of Empini?
If you’re looking for something fresh and different, Empini is the show for you. It offers a new world with amazing talent, exciting twists, and compelling characters.
Empini Season 2 is now streaming on Showmax with new episodes on Tuesdays.
Join the conversation:
#EmpiniShowmax
FACT BOX
Date of birth: 31 December 1990
Where were you born: Durban, KZN
What type of character you’d like to play in future: I’d love to play a bad guy. No redeeming qualities. Just bad.
Favourite actor/actress and why: I don’t have a favorite actor/actress. Too tough to choose.
 
Favourite South African clothing designer: Sumo Clothing Creator.

Schools buyers to invest in private sector education properties

Schools buyers to invest in private sector education properties
Bucclech School

The private education sector is set to become a major player in the property market with Early Childhood Development (ECD) becoming one of the largest potential growth areas believes Greg Dart, director of The High Street Auction Co.

Dart’s assessment is based on the country’s demographic and the fact that youth account for over a third of the overall population. According to Statistics South Africa (Statssa), the number of children under five attending an Early Childhood Development (ECD) centre or pre-school has increased to one in three from one in ten since 2002.

“As we know, the public schooling system has its challenges. Private schools are filling the gaps. People want solutions that talk to their lifestyle needs,” says Dart.

Over the past decade, enrolments in privately owned educational institutions have doubled. In 2024, listed private education companies recorded strong revenues and growing profitability with the likes of Curro and AdvTech posting positive financial results. Key opportunities going forward include tertiary student accommodation and setting up further early childhood development facilities. As more South Africans prepared to invest in their children’s education across various affordability bands, Dart expects an increase not only in demand for functional properties but properties suitable for conversion.

Investing in education

High Street’s latest auction – to be held on March 27 at Bryanston Country Club – is headlined by four education based properties.

Dart says it is very rare for properties like these fully operational and thriving preschools to come on to the market: “This group wishes to liquidate some of the property assets in order to reinvest for growth. With a new three-year lease then to be signed on transfer (sale and leaseback) that provides for a 5% escalation and impressive gross annual incomes, all four represent strong tenant covenants that ensure a steady income stream with great potential for further growth. They are perfect for investors looking to step into the education sector or expand their portfolio.”

All four of the preschool properties coming up for auction are well located in areas where there is strong demand for schooling and the prospect of even further demand as parents prefer to live near  their children’s private schools for convenience.

The first property, an easily accessible and well-maintained former residence in the heart of Bryanston, has been expertly converted into a fully operational school. It features 12 spacious classrooms that provide a productive learning environment for up to 57 learners as well as six bathrooms and an expansive playground and gardens.

The second – another well-maintained property in the heart of Buccleuch that has been expertly converted into a fully operational school – has five spacious classrooms for 48 learners, five bathrooms and a safe and enjoyable outdoor area for children to play.

A thriving school in Petervale with six classrooms for 45 learners, four bathrooms and a spacious play area that offers great potential for further growth is the third property to come under the hammer followed by a fourth in Linden  with five spacious classrooms and four spacious classrooms for its 35 learners.

Converting and commercial opportunities

Dart is looking forward to a highly successful auction on March 27 with a total of 34 properties.

“It is definitely bigger than our February auction, both in terms of volume of properties and the quantum of value. That said, although February is traditionally a difficult month for the property sector, we achieved registrations on 70% of the stock that we took to market and, of that, we received offers of 82% on those. This illustrates that the auction platform will elicit a high ratio of offers from the market and affords a solid opportunity to see where the market is and assess demand,” he notes.

The March auction includes a number of fully tenanted prime office spaces: “This is a great advantage. You’re purchasing a predictable income stream. Very few people are buying vacant buildings. Everybody is looking for income that is not subject to risk. We’ve got quite a few tenanted commercial office spaces as well as two that are particularly suitable for repurposing and residential conversions,” he adds.

Dart says the conversion market is particularly active at present and a number of conversion companies have already approached High Street ahead of the March auction.

Additional gems

One of the prime commercial spaces that is drawing attention ahead of the March auction is a Waverley commercial development that is part of a liquidation.

“Potential buyers love the address. The space looks down across to the Melrose Arch precinct. It has a good view out onto the M1. With deals like these, location is becoming increasingly important. People are avoiding buying where there are dysfunctional local authorities where service delivery is compromised and infrastructure is failing. You’ve got to have fully operational transport nodes,” Dart points out.

Other fascinating properties that High Street will be selling in March include a coastal airstrip and development sites known as the Andrews Field Airport and private nature reserve situated north of Struisbaai North within the Cape Agulhas municipality and a microbrewery and restaurant in the Hemel & Aarde Village, Hermanus.

“The already positive response that we are getting ahead of this auction shows us that sentiment continues to improve and that there is movement in the market. There are more people coming to our auctions and we are converting interest into transaction and deal flow,”  Dart concludes.

A passwordless future? How South African companies can thrive without passwords

A passwordless future? How South African companies can thrive without passwords
Kumar Vaibhav, Lead Senior Solution Architect - Cyber Security at In2IT

The digital landscape is evolving rapidly, and with it comes the urgent need for more secure authentication methods. Passwords, once the cornerstone of online security, are now easy targets for cybercriminals. With these cyber threats on the rise, businesses must adapt more sophisticated security solutions, that are passwordless and hassle-free at the same time.

The limitations of passwords

Passwords have long been the standard for securing online accounts. However, they come with significant drawbacks. Passwords work on the principle of user memory, and most of them, therefore resort to passwords that are easy to remember, that may be weak, and reuse them across different online platforms, making them soft targets for cybercriminals. Statistics reveal that over 80% of hacking incidents are password-related, underscoring its vulnerability. In South Africa, where digital banking and e-commerce are rapidly expanding, the implications of these vulnerabilities are particularly concerning.

Moreover, managing numerous passwords leads to user frustration and increased operational costs for businesses. Users who set complex combinations as passwords tend to forget it more often, resulting in frequent password resets and helpdesk calls. This significantly affects the user experience and strains the business’s IT resources. As organisations seek to enhance security while improving user satisfaction, the shift towards passwordless authentication presents a viable solution.

Understanding passwordless authentication

Passwordless authentication eliminates the need for traditional passwords by utilising alternative methods such as biometrics (fingerprints or facial recognition), hardware tokens (like YubiKeys), or mobile devices for verification. These methods rely on two primary factors: possession (something the user has) and inherence (something the user is), which provide a more secure and user-friendly experience compared to traditional passwords.

The adoption of passwordless solutions is gaining momentum globally, driven by advancements in technology and increasing awareness of cybersecurity risks. In South Africa, there are companies leading the charge by implementing Fast Identity Online (FIDO2) standards to enable secure transactions without passwords. This approach not only enhances security but also streamlines user access across various platforms.

Benefits of passwordless security

Transitioning to passwordless security offers numerous advantages. Firstly, it significantly reduces the risk of data breaches associated with stolen or weak passwords. By eliminating passwords from the equation, businesses can mitigate one of the most common attack vectors exploited by cybercriminals.

Secondly, passwordless systems improve the overall user experience. Users no longer need to remember complex passwords or undergo tedious reset processes. Instead, they can authenticate quickly using biometrics or hardware tokens, leading to better satisfaction and productivity levels. This is particularly relevant in sectors like banking and e-commerce in South Africa, where customer trust is paramount.

Additionally, implementing passwordless authentication can enhance compliance with regulations aimed at protecting personal data. As legislation around data privacy tightens globally, organisations that adopt robust security measures will find it easier to meet compliance requirements and avoid costly penalties.

How IT experts facilitate passwordless transformation

While the benefits of passwordless authentication are clear, many organisations may lack the expertise or resources to implement these solutions effectively. This is where expert third-party IT companies come into play; they offer tailored cybersecurity solutions that address unique business needs while ensuring a smooth transition to passwordless systems.

These providers can conduct comprehensive assessments of existing security frameworks, identify vulnerabilities, and recommend appropriate passwordless solutions tailored to specific industry requirements. Their expertise ensures that organisations implement effective security measures and maintain ongoing support and monitoring to adapt to evolving threats.

Moreover, third-party IT companies can facilitate employee training programmes focused on new authentication methods. By educating staff about biometric security protocols or hardware token usage, businesses can foster a culture of cybersecurity awareness that extends beyond mere compliance.

As businesses navigate an increasingly complex digital landscape fraught with cyber threats, transitioning to passwordless authentication emerges as a critical strategy for enhancing security and improving user experience. The limitations of traditional passwords are becoming more apparent, prompting organisations to seek innovative solutions that leverage advanced technologies.

By partnering with expert third-party IT companies, businesses can effectively implement passwordless systems tailored to their unique needs while ensuring robust protection against cyber threats. Embracing this shift not only safeguards sensitive information but also positions organisations at the forefront of a more secure digital future. As we move towards an era where passwords may become obsolete, those who adapt early will reap significant rewards in security resilience and customer trust.

Why medical aid alone is not enough and how financial literacy can protect you

Why medical aid alone is not enough and how financial literacy can protect you
James White, Director of Sales and Marketing at Turnberry Management Risk Solutions

Healthcare decisions are not just about medical needs: they also involve other considerations that can significantly impact an individual’s financial wellbeing. Understanding how medical aid works, the costs involved, and potential financial risks is essential for making informed choices. However, many consumers struggle to navigate the complexities of the medical aid landscape, which can lead to unexpected expenses and gaps in cover. This is where financial literacy becomes critical and where brokers play a key role in helping individuals understand the products available and how they can choose the right combination of medical aid and gap cover to meet their individual needs.

Lack of knowledge can be detrimental

Financial literacy is a crucial yet often overlooked aspect of healthcare decision-making. In simple terms, financial literacy refers to an individual’s ability to understand and manage their financial resources effectively. When it comes to healthcare, this means being able to navigate complex medical aid policies, understand benefits and exclusions, and make informed choices about cover.

Medical aid brochures and policy documents can be notoriously confusing, even for financially savvy individuals. Industry-specific jargon, varying levels of cover, and hidden costs such as co-payments, penalties, and exclusions can make it difficult for consumers to assess whether they have adequate protection. Misunderstanding these details can lead to unexpected out-of-pocket expenses, sometimes amounting to hundreds of thousands of Rands.

This is where financial advisors and brokers play a pivotal role. Their expertise is essential in helping clients ensure they select appropriate plans that balance affordability with sufficient cover. Without this guidance, individuals risk either being underinsured or paying for benefits they don’t need.

Medical aid alone is no longer enough

It is all too easy to assume that if a medical aid plan states ‘100% of medical scheme tariff’ coverage, they will not face any additional costs. However, the medical scheme tariff or medical aid rate is rarely what procedures and treatments actually cost. It is simply the rate at which a medical aid scheme reimburses healthcare providers for services rendered to its members. This tariff is set by the medical scheme itself and varies depending on the plan and provider agreements. The reality is that specialists, anaesthetists, and surgeons often charge well beyond these tariffs, sometimes as much as 500% of the medical aid rate, leaving patients with substantial shortfalls.

This is where gap cover becomes essential. Gap cover bridges the financial gap between what medical schemes pay and the actual costs of private in-hospital healthcare services. Without it, patients could find themselves in financial distress after a hospitalisation or medical procedure. Even comprehensive medical aid plans come with limitations, such as co-payments for specialist consultations or caps on certain treatments like cancer care. Brokers play a vital role in helping clients understand these potential costs and in recommending the most appropriate gap cover solutions to mitigate financial risk.

Guiding healthcare-related financial decisions

Brokers do far more than just sell medical aid plans. They provide invaluable financial advice tailored to each client’s unique circumstances. This process begins with a thorough needs analysis, considering numerous factors. These include age and life stage considerations – a young couple may prioritise maternity benefits, while an older individual may require more extensive cover for chronic illnesses or cancer treatment.

It is also essential to take into account budget constraints. The best plan is only effective if it remains affordable. Brokers help clients strike a balance between comprehensive cover and financial sustainability. In addition, understanding medical aid limitations related to a client’s existing cover allows brokers to recommend suitable gap cover products that address specific shortfalls.

Brokers also play a crucial role in educating clients about common misconceptions surrounding gap cover. Many people mistakenly believe that gap cover will pay for all out-of-pocket expenses, including day-to-day medical costs like doctor visits or medication. In reality, gap cover primarily addresses in-hospital medical expense shortfalls. By dispelling these myths, brokers ensure that clients have realistic expectations and avoid costly misunderstandings.

Expectation vs. reality

Aligning client expectations with financial realities is vital. Many individuals aspire to have premium-level healthcare cover but may struggle to afford it. Brokers can help clients strike a balance between affordability and adequate protection, ensuring they do not overcommit financially while still securing essential cover. At the same time, many clients underestimate the importance of gap cover, assuming their medical aid will cover all expenses. Brokers must educate them on the financial risks posed by medical aid shortfalls and demonstrate how gap cover can mitigate these unexpected costs. Without this understanding, individuals may find themselves burdened with significant out-of-pocket expenses after a hospital stay or medical procedure.

Ultimately, financial literacy in healthcare is about empowering individuals to make informed, sustainable decisions that protect them from financial strain. Brokers serve as indispensable guides in this journey, helping clients navigate complex medical aid structures, identify potential shortfalls, and secure the right combination of medical aid and gap cover. By enhancing financial literacy, brokers contribute to a more knowledgeable and financially secure consumer base.

Zoetis SA Sounds the Alarm on Rising Parasite Threats This World Parasite Awareness Day

Zoetis SA Sounds the Alarm on Rising Parasite Threats This World Parasite Awareness Day
Parasite Awareness Day

The first-ever World Parasite Awareness Day takes place on 20 March and is a global initiative focused on keeping pets safe from harmful parasites with regular vet check-ups and preventative care.

“We love our furry friends and want them to live long, happy, and healthy lives,” says Dr Tarryn Dent, Business Unit Lead, Companion Animals, at Zoetis South Africa. “Regular vet health checks are essential, whereby in these visits your vet will do a general wellness exam and evaluate the need for things such as vaccinations, blood tests and parasite checks, among other things.”

 A faecal test, which can be done during a routine visit, is a quick and effective way to check for intestinal parasites. Vets now also have access to advanced diagnostic tools like Imagyst – an advanced diagnostic tool that utilizes AI technology – which enables in-practice faecal testing for fast and accurate results. This means dog and cat owners can have peace of mind knowing their animals are properly screened and protected.

Which parasites should pet owners look out for?

Several parasites can pose a risk to pets and in some cases also their owners. The most common include:

  • Fleas – These small insects cause itching, discomfort, and allergic reactions in pets. They can also transmit diseases and tapeworms.
  • Ticks – Ticks latch onto the skin and can spread serious illnesses such as tick bite fever and biliary.
  • Roundworms – These intestinal parasites can cause weight loss, diarrhoea, and other digestive issues in pets. They can also be transmitted to humans, particularly children.
  • Hookworms – These parasites attach to the intestinal wall, leading to anaemia and weakness in pets.
  • Tapeworms – Often contracted through fleas, tapeworms can cause digestive issues and discomfort.

Why parasite prevention matters

Parasites can lead to discomfort, illness, and even life-threatening conditions in pets if left untreated. Taking proactive steps – such as routine testing and getting advice from your veterinarian on the preventative needs of your pet based on their risk – ensures that your pets remain happy, healthy, and parasite-free.

A day to celebrate the joy of pets

“World Parasite Awareness Day is about education and prevention, but it’s also a celebration of the joy pets bring to our lives,” says Dent. “From companionship to emotional support, they play an irreplaceable role in our homes and communities. Keeping them healthy strengthens the special bond we share with them.”

Pet owners are encouraged to take action by:

  • Scheduling a veterinary check-up, including a faecal test, to ensure their pets are parasite-free.
  • Following their vet’s recommended parasite prevention plan to provide year-round protection.
  • Spreading the word about World Parasite Awareness Day to help keep more pets and families safe.

Let’s work together to ensure that all pets get the care they deserve. When we protect our pets, we protect ourselves.

Google Cloud Celebrates First Cloud Region in Africa, Empowering Continental Digital Transformation

Google Cloud Celebrates First Cloud Region in Africa, Empowering Continental Digital Transformation
Google Cloud

Today, Google Cloud officially celebrated the opening of its first African cloud region in Johannesburg, a significant milestone in Google’s $1 billion investment pledge to help accelerate Africa’s digital transformation.

Operational since January 2024, the Johannesburg cloud region directly supports African businesses and multinational corporations operating on the African continent by providing access to cutting-edge technologies: innovative AI and machine learning, powerful data analytics, and comprehensive security solutions. This enables organizations to improve operational efficiency, build groundbreaking tools, and ultimately unlock new opportunities for growth.

 

Google Cloud’s region builds on wider infrastructure investments into the continent. In May 2024, Google Cloud announced a new fibre optic cable route from Kenya to Australia – Umoja – which will join Equiano and now the Johannesburg Google Cloud region to form an initiative called Africa Connect that will enhance network access, making it faster, more reliable, and more affordable. These infrastructure investments are crucial for bridging the digital divide and ensuring that everyone, regardless of their location, can benefit from the digital revolution.

His Excellency Cyril Ramaphosa, President of the Republic of South Africa said: “The Google Cloud region in Johannesburg is a valuable investment in South Africa, fostering innovation across our economy. Google’s growing presence will benefit the people of South Africa and the rest of Africa by allowing firms and entrepreneurs to access the powerful potential of AI, transforming nearly every part of the economy.”

Thomas Kurian, CEO, Google Cloud said: “Google’s longstanding commitment to Africa takes a significant step forward with the launch of the Johannesburg cloud region. By bringing cutting-edge cloud and AI technologies closer to the business and developers that are fueling the local economy, we hope to accelerate African innovation, bringing sustainable growth across the continent.”

Held at the Gallagher Convention Centre in Johannesburg, the launch event featured keynote addresses from industry and government leaders, including Tara Brady, President, Google Cloud Europe, Middle East and Africa; Alex Okosi, Managing Director, Google Sub-Saharan Africa; and Honorable Minister Solly Malatsi, South Africa’s Minister of Communications and Digital Technologies, demonstrating the revolutionary potential of cloud technology for African businesses and individuals. Business and technical tracks, along with a partner expo, provided attendees with valuable insights and hands-on experience with Google Cloud’s advanced technologies. The event also showcased Google Cloud’s extensive partner network, featuring over 20 sponsors and exhibitors. Premier sponsors included Accenture, ADG, Deimos, Deloitte, Digicloud and Liquid C2.

Tara Brady, President, Google Cloud Europe, Middle East and Africa
Alex Okosi, Managing Director, Google Sub-Saharan Africa

The agenda also highlighted customer success stories and executive insights from the likes of 4G Capital, FNB, Government of Benin, Healthbridge, Jaguar Land Rover, Moniepoint, Openserve, Pepkor, Salus, Smollan, Syft, Travelstart, and Vodacom.

Further demonstrating its commitment to Africa, Google Cloud provides people and businesses with enablement and training on the latest cloud technologies and sustainable business practices. Programs like Cloud OnBoardCloud Hero and Google Hustle Academy are equipping learners and business owners across the continent with critical skills in generative AI, machine learning, application and infrastructure modernization, data and analytics, and digital marketing. Since 2022, Hustle Academy has successfully trained over 15,000 SMBs in Kenya, Nigeria, and South Africa and the 2025 edition will continue to emphasize AI-powered business training.

Google Cloud is also a driving force behind Africa’s vibrant startup scene. Through programs like Google for Startups Accelerator Africa, Google Cloud has been instrumental in supporting over 260 startups across 17 African countries. Participating startups in the Accelerator Africa program can receive up to $350,000 in Google Cloud credits to build and scale their businesses. These startups have achieved remarkable success, collectively raising over $600 million in follow-on funding, surpassing funding levels seen by other startups in the African tech sector. This support has also translated into tangible growth, with a 31% increase in employment and a 25% increase in monthly recurring revenue among the participating startups.

According to a Public First digital impact study released in Sep 2024, Google Cloud, together with Google Search, Google Play, YouTube, and Google advertising tools delivered $16 billion of additional economic activity for Sub-Saharan businesses, nonprofits, publishers, creators, and developers in 2023. Public First found that every $1 invested in digital technology in the region will generate over $2 in economic value by 2030, with an even greater return in front runner nations.

About Google Cloud

Google Cloud is the new way to the cloud, providing AI, infrastructure, developer, data, security, and collaboration tools built for today and tomorrow. Google Cloud offers a powerful, fully integrated and optimized AI stack with its own planet-scale infrastructure, custom-built chips, generative AI models and development platform, as well as AI-powered applications, to help organizations transform. Customers in more than 200 countries and territories turn to Google Cloud as their trusted technology partner.

Is your smartphone screen acting up? Try these DIY fixes

Is your smartphone screen acting up? Try these DIY fixes
smartphone

The touchscreen is the main way you interact with your smartphone. As such, an unresponsive screen or ‘ghost touch’ (apps opening by themselves or icons acting like you’re touching them) can make your device unusable.

Causes of these issues may include glitchy apps, overheating, faulty chargers, a dirty or wet screen, and damage or faults in the screen.

TCL suggests some possible fixes for a smartphone screen that is misbehaving.

Restart the smartphone: A simple restart is a good place to start troubleshooting your faulty screen. In many cases, a forced restart or switching the phone off and on again will fix the problem.

Clean your smartphone display: Moisture or accumulated dirt can cause your screen to stop working. Using a soft, moist cloth to wipe your touchscreen and then gently drying it often resolves the issue.

Shut apps down one by one: Occasionally, a glitchy app is the cause of your smartphone’s weird behaviour. Close apps down one by one to eliminate the possibility that one of them is causing the issue.

Tap each corner of the phone: When a touchscreen stops working after a phone is dropped, an internal connection might be loose. Gently tapping on each corner of the phone may cause it to reconnect.

Replace your charger: If you experience screen problems using your phone while it’s plugged in, a low quality or unofficial cable or charger might be the cause. Try a different charger to see what happens.

Scan for malware: It doesn’t happen that often, but in rare instances, a malware infection can cause ghost touch. Use Google Play Protect or an antivirus app to check for potentially harmful apps on your phone. You can also go to Settings, Storage, Cleanup to remove unused apps, app data, and files from your phone.

Remove the case and screen protector: Dust or moisture can get between the protector and the screen. Remove the case and protector, then wipe the screen to test. When you get a new screen protector, get a high-quality one and ensure it’s fitted properly.

Factory-reset your device and ensure you have the latest version of Android: Very occasionally, your problems could be due to a software glitch. Resetting your device to its factory settings and downloading the latest version of Android may fix the problem.

Visit the repair shop: When all else fails, find a reputable service centre and ask them to take a look. They’ll be able to tell you what the issue is and, if necessary, repair or replace your screen.

Unleashing Cricket’s Next Generation of PROTEA Players

Unleashing Cricket’s Next Generation of PROTEA Players
Coach Alester Maregwede with the African Warriors Cricket Team

The Unlimited, an authorised financial services provider, has stepped up as the title sponsor of The Unlimited African Warriors Under 13 Cricket Tournament, set to take place from 21 to 22 March 2025 at Kingsmead.

“The Unlimited African Warriors Under 13 Cricket Tournament is a platform for young players from eThekwini to play the game they love at one of South Africa’s most iconic cricket grounds,” says African Warriors CC Chairman and tournament organiser, Cebo Knowledge Vilakazi. He adds that competing at Kingsmead will create an unforgettable experience for the young cricketers, offering them the perfect stage to showcase their talent.

The Unlimited brings a wealth of cricket sponsorship experience to the tournament, having previously backed the Titans Cricket Team (then known as The Unlimited Titans) in the early 2010s. Group CEO of The Unlimited, Andrew Wood, says that he sees the tournament as a natural extension of the company’s daily work, “Whether we’re providing South African families with unbeatable value or creating platforms for young cricketers to showcase their talent, our purpose remains the same – to shift lives,” he explains. “We’ve witnessed how the right support at the right time can transform someone’s future, and that’s why we have given this event our backing. It’s about opening doors, creating opportunities and giving these young stars a real shot at something bigger.”

Vilakazi shares that the African Warriors Cricket Club was founded in 1996. “For nearly 30 years, it has focused on bringing cricket to children in townships, nurturing young talent and helping them take their first steps towards a future in cricket.” He adds, “With the launch of this tournament, young boys and girls will have the chance to demonstrate their skills, creating a springboard for the next generation of talent to be discovered.”

The two-day tournament will bring together young cricketers from various eThekwini clubs including African Warriors CC, Kwa Mashu CC, Umlazi CC, and West CC to compete, all dreaming of lifting the trophy. These talented players represent a diverse cross-section of Durban schools including Westville Senior Primary, Gugulethu Primary, Penzance Primary, Ndongeni Primary, DPHS, Sukuma Primary and more.

Additionally, professional players and coaches will lead coaching clinics and mentorship sessions for the young athletes. In fact, Proteas all-rounder Andile Simelane will inspire young players by sharing his journey from township cricket to international success. Joining him are other notable figures in the game, including Hollywood Bets Dolphins Assistant Coach Mduduzi Mbatha, North West Dragons Assistant Coach Brady Barends, and their keeper Mfanafuthi Shange, who will all offer their time and expertise. The tournament will also host Zanele Koloko (Africa Forum) and Linda Zondi (African Warriors CC Director of Cricket), both key figures in cricket development.

There is no doubt that The Unlimited African Warriors U13 Cricket Tournament will bring Kingsmead to life with energy, talent, and passion for the game. It will be a celebration of young players giving their all, chasing their dreams, and aspiring to one day wear the Proteas jersey. “This tournament is about more than just the game. It’s about mentorship, skills development, and showing young players that cricket can be their future,” Vilakazi concludes.

In addition to The Unlimited, the tournament is also sponsored by KH Sports, Hollywood Bets Foundation, Thirsti, Kookaburra, Umbhanso Medical Services, and KFC.

Tournament Schedule:

Friday, 21 March 2025
07h30 – Teams Arrive
08h00 – Opening Ceremony
09h00 – Semi-Final 1: African Warriors vs Umlazi
09h00 – Ladies Health Presentation
13h30 – Semi-Final 2: West vs Kwa Mashu
17h00 – Matches End

Saturday, 22 March 2025
07h30 – Teams Arrive
08h00 – Coaching Clinics
09h00 – 3rd Place Playoff
13h30 – Final: Winner Semi 1 vs Winner Semi 2
17h00 – Prize Giving