The early ’90s was a good time to start a disruptive financial services business. In asset management, there was Coronation Fund Managers and the semi-autonomous Investec Asset Management (now Ninety One).

Medical aid was also ripe for disruption. If anything, it was a sleepier industry than asset management, as many of the administrators were family-owned businesses. Medical schemes themselves were mutual societies, with limited scope to underwrite their clients...

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