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South Africa's Independent Financial Services Group
Protect Your Health,Wealth & FamilyAll Under One Roof.
Expert teams manage your medical aid, insurance, estate, retirement and investments so you deal with one trusted partner.
FAIS Registered · FSP 24230
Free Medical Aid Management
FOR EVERYONE
Already Have Medical Aid?
Keep your existing Discovery, Bonitas, or Momentum.
Don't change a thing.
We become your free support partner.
Get proactive alerts on premium changes, expert help with claims.
Completely free, forever.
Trusted partner for members of
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Medical Aid Schemes
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Plan Options
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Service Divisions
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Financial Services
What brings you here today?
Our Departments
Choose the service that fits your needs. All backed by expert guidance and personalized support.
MediWize
Your Medical Aid Partner
Channel your medical aid through MediWize for FREE. We work across 10 schemes with 113+ plan options, from hospital plans to comprehensive family cover.
Free medical aid channeling & monitoring
Gap cover: up to 600% of scheme rates
Medical Aid Assist (claims handling)
Medical insurance for tighter budgets
Multiply | Vitality wellness rewards
Free annual plan review
InsureItWize
Life, Personal & Business Insurance
Comprehensive insurance brokerage covering life cover, disability, critical illness, income protection, funeral cover, short-term personal insurance, and full commercial business cover.
Life, disability & critical illness cover
Income protection & funeral cover
Car, home, building & all-risk insurance
Key person & buy-and-sell cover
Business overhead protection
Contingent liability insurance
WillWize
Estate Planning & Legacy Protection
Professional will drafting, estate cost & tax planning, trust management, and Death Gap Cover to maintain your family's financial stability while the estate is being settled.
Professionally drafted wills
Estate cost & tax planning
Trust setup & management
Death Gap Cover (estate continuity)
Beneficiary nomination guidance
2023 Momentum Estate Planning Award winners
RetireWize
Build a Secure, Comfortable Retirement
Retirement annuities, living annuities, pension fund optimisation, and endowment investments, helping you build sustainable income for a financially independent retirement from age 55.
Retirement annuities (tax-efficient)
Living annuities for flexible income
Pension & provident fund optimisation
Endowment investment policies
Compound growth over 20-30 years
Free retirement readiness review
InvestWize
Grow & Protect Your Wealth
Diversified investment portfolios, tax-free savings accounts (R36,000/year), unit trusts, ETFs, and direct equity, all aligned to your risk profile and long-term financial goals.
Tax-free savings accounts (TFSA)
Unit trusts & collective investments
ETFs & JSE Top 40 direct equity
Portfolio management & planning
Wealth protection strategies
Fiduciary & estate-linked investing
Everything We Do For You
Five specialist departments. One trusted group. Explore the full range of services available to you and your family under the CareLine umbrella.
Medical Aid Schemes
Access to 10 leading medical aid schemes with 113+ plan options, from affordable hospital plans to comprehensive family cover.
Medical Aid Assist
We handle all your claims, queries, and administration on your behalf. No more call-centre queues.
Gap Cover
Bridge the gap between what your medical aid pays and what specialists charge. Policies covering shortfalls up to 600% of scheme rates.
Medical Insurance
Affordable entry point to quality healthcare cover when full medical aid isn't in budget.
Multiply | Vitality Wellness
Earn cashback, discounts, and lifestyle benefits while staying healthy with Momentum Multiply and Vitality.
Free Annual Review
We provide a free annual review to ensure you and your family continue receiving the right medical aid benefits.
For Employers & SMEs
Comprehensive Employee Benefits
You don't need to be a large corporation to offer employee benefits. CareLine helps SMEs, corporates, and blue-collar employers structure affordable, meaningful benefits that attract and keep great people.
Group Medical Aid
Offer your employees access to 10 leading medical aid schemes with 113+ plan options. Flexible contribution models, from full company-funded cover to employer subsidies (30–50% common). SME-friendly solutions.
Group Life Cover
Protect your employees and their families with group life, disability, and income protection cover. Ensure your workforce's financial future, a powerful tool for employee retention and loyalty.
Key Person & Buy-and-Sell
Safeguard your business from the financial impact of losing a key employee or partner. Key person insurance and buy-and-sell agreements funded by life cover ensure business continuity.
Business Overhead Protection
If the business owner becomes disabled, business overhead protection covers rent, staff salaries, and operational costs for up to 24 months, keeping the business running while recovery takes place.
Why Offer Employee Benefits?
Absenteeism costs South Africa approximately R12 billion per year.
- Attract and retain top talent in a competitive market
- Reduce absenteeism: illness costs SA businesses R12 billion annually
- Employees return to work faster with access to private healthcare
- Improve workplace morale, productivity, and loyalty
- Cost-to-company (CTC) packages can include benefits affordably
- Tax-efficient benefit structures for the business
Employer subsidies: Many employers contribute 30-50% of monthly premiums. Cost-to-company (CTC) packages can include full medical aid contributions, making benefits affordable for businesses of all sizes.
Switch Your Broker in Under 1 Minute
Not happy with your current broker? Switching to CareLine Group is fast, free, and effortless. Keep your existing cover and just gain expert, personalised service.
Why Choose CareLine Group?
We bring together multiple financial and healthcare services under one trusted brand.
Expert Guidance
FAIS-registered advisors with years of experience across all our departments.
Personalized Service
Tailored solutions that fit your unique needs and circumstances.
Trusted Partner
Thousands of satisfied clients trust us with their financial well-being.
What Our Clients Say
Join thousands of satisfied clients who trust CareLine Group with their financial future.
“MediWize has been a game-changer for my family. The free monitoring service caught a premium increase before I did, and their team helped me navigate the change seamlessly. Highly recommend!”
Sarah Thompson
Business Owner
MediWizeReady to Get Started?
Join thousands of South Africans who trust CareLine Group with their financial future.