2021 Product Launch

Welcome to the official 2021 Universal Product Launch Site, featuring CompCare Medical Scheme, the Building and Construction Industry Medical Aid Fund (BCIMA), Makoti Medical Scheme and the Universal range of products and services.

Universal Healthcare

Quality healthcare taken to new heights

Universal Healthcare is more than just another healthcare company, we’re proud to be one of South Africa’s fastest growing healthcare brands.  Prioritising the health and happiness of over 10 million people – from partners, to practitioners, to patients – we bring you care you can truly count on.

Our purpose

To help patients – who are ill – to get better, to encourage those who are well to live healthier lives and to support healthcare professionals in providing evidence-based medicine with a caring approach.

Extraordinary solutions

Universal prides itself on providing clients with extraordinary solutions. These are specially structured to give each of our clients a true 360˚ healthcare management solution. We achieve this by integrating innovative product design and the latest risk management tools, which are supported by advanced, next-generation information systems and technology.

The Universal offering

Universal boasts a broad range of service offerings. Over and above our medical scheme administration and managed care services, we also offer health insurance products, occupational health and workplace wellness services, and much more. All our services focus on ensuring the wellbeing of the lives we touch.


ZOOPP™ is a fantastic new innovation developed specifically for CompCare members by Universal. ZOOPP™ stands for “zero out of pocket payment” and has been developed to ensure that the friction is taken out of paying medical claims.

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This new multi-payment gateway ensures that the healthcare provider is paid automatically on your behalf, by using each of the sources of funds, including the benefits on CompCare, the mediBucks™ “pay-as-you-go” savings account, and a Universal Gap Cover product, as and when required.






Watch this space – coming soon.

Want to know more about Universal?


Scheme of choice

BCIMA, the Building and Construction Industry Medical Aid Fund, is one of South Africa’s financially strongest medical schemes. BCIMA provides value-for-money medical cover for members of the building, construction and civil engineering industries. Our long and proud service history to the industry has given us understanding and insight into the sector, its people and their needs. This makes BCIMA the scheme of choice to the sector and its employees

Uniquely BCIMA

BCIMA is the preferred scheme for the building, construction and engineering industry because of its unique benefit structure, which is specifically designed around the requirements of employers and employees working within the industry. Generous benefits and below-average annual contribution increases make BCIMA the ideal partner to this industry. BCIMA has been acknowledged for providing industry-leading value to its members.

The BCIMA offering

This value-for-money fund is more affordable than the average medical scheme as it is exempt from prescribed minimum benefits (PMBs).  The Scheme does, however, pay for PMB treatments in line with annual limits. BCIMA’s single rate contributions mean that all registered dependants within a family have access to cover. BCIMA membership numbers are retained for life and the fund can be joined for specific contract periods. Members also have the freedom to choose any service provider as no network restrictions apply.

Want to know more about BCIMA?

Visit the BCIMA website.

Download the BCIMA 2021 brochure.

We hope that you’re as excited as we are about our innovative new products and enhanced benefits!

We have all the info here for you, so click and download the brochures with the new 2021 benefits and contributions.

Test your knowledge and complete your broker assessment online and receive your scheme-specific accreditation certificate immediately!


Why Makoti?

Makoti has a proud tradition of providing affordable, accessible healthcare to enrich the lives of our members. Makoti was developed to provide high quality medical care at an affordable price, with sufficient control measures in order to sustain the scheme over the long term. We aim to prevent illness wherever possible by dealing with healthcare issues swiftly and cost-effectively within the communities we serve. Over the past 44 years, the scheme has successfully achieved its objective of ensuring access to unlimited, clinically necessary primary healthcare benefits in the private sector for all the members on the scheme.

A well managed scheme

Makoti is a well managed scheme that has continued to grow this year despite the COVID-19 pandemic.  Membership has increased by no less than 25%, and the scheme boasts a healthy solvency ratio of 62%, which is far in excess of the Council for Medical Schemes’ required minimum of 25%. Makoti has a young average age of only 31 years and low pensioner ratio of less than 1%, both of which are essential attributes to achieving a favourable claims-to-loss ratio on a consistent basis, and to maintaining a high solvency ratio.


The Scheme offers two options namely the Primary and Comprehensive options.  Both options include unlimited private primary healthcare cover through an extensive network of general practitioners on a national basis. Cover for acute, OTC and chronic medication is included as well as optometry and basic dentistry. The Comprehensive option provides cover for specialised dentistry  and access to specialist consultations, private hospitalisation cover as well as cover for maternity benefits in private hospitals. An important and exceptional feature of the scheme is that members never have to fund any co-payments.

Want to know more about Makoti Medical Scheme?

Visit the Makoti Medical Scheme website.

Click to download the Makoti 2021 brochure.


Cover unlike any other

CompCare’s strategy is underpinned by a strong focus on growth, stability, financial sustainability and innovation for the scheme and its members. CompCare currently covers approximately 33 000 lives and has a solvency ratio of 47%, which is well in excess of the minimum 25% required by the Council for Medical Schemes (CMS).

Our option range

With more than 42 years of experience, CompCare is a medical scheme with a lot to offer.  CompCare boasts no fewer than 15 benefit options, which includes our efficiency discount or “ED” options that offer exceptional value when using a Netcare hospital for any planned procedures, and Dis-Chem pharmacies for chronic medication. CompCare provides a fantastic portfolio of benefit plans to suit every pocket, from the top-raking executive to the lowest income employee.

Innovative benefits

Our members are our passion and we love giving them unbeatable personalised healthcare and preventative benefits. Medical savings accounts allow for discretionary spending with no limits or restrictions and benefits are designed to fit your lifestyle and individualised healthcare needs at a price you can afford! Our COVID-19 benefits package provides access to a range of healthcare services, tests, treatment and appliances. The Selfnet option has been completely redesigned and revamped with a strong focus on flexibility and lifestyle benefits to ensure a holistic balance in terms of health and wellness.

Want to know more about CompCare Medical Scheme?

Visit the CompCare Medical Scheme website.

Download the CompCare 2021 brochures.

Accreditation happens!

Get your online accreditation here.

Get your online accreditation here.

Get your online accreditation here.

Platinum Broker Awards

Universal, Makoti, BCIMA and CompCare, would like to take this opportunity to thank all our brokers for their continued support throughout this challenging year.

The Platinum Broker Awards was instituted in 2019 in recognition of our top performing brokers. The evaluation criteria for the 2020 Platinum Awards were based on the organic growth achieved through this past year with each of the respective schemes.

We are pleased to announce that the Platinum Broker Award for BCIMA goes to Dennis Woolley from King Health.

We are pleased to announce that the Platinum Broker Award for Makoti goes to John Cranke from PSG.

We are pleased to announce that the Platinum Broker Award for CompCare goes to Sibusiso Tshabalala from Mozee Brokers.

Once again, we congratulate all our Platinum Broker Award winners.

(+27) 11 208 1000  /  [email protected]

CompCare Wellness Medical Scheme, Makoti Medical Scheme and The Building and Construction Industry Medical Aid Fund are administered by Universal Healthcare Administrators (Pty) Ltd /Privacy Policy

Disclaimer: All information shared is subject to approval by the CMS and the registered rules of the scheme for 2021.

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