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The years-long delay by the medical aid regulator to allow low-cost medical schemes is leading to a thriving health insurance market, even as it exists in a regulatory limbo.

Health Insurance plans differ from legislated medical aids and usually cost R300-R400 a month. They provide consumers access to doctor visits, basic medication and some X-rays, essentially offering private out-of-hospital care, to employed people who cannot afford a medical aid...

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