Private healthcare on receiving end of toxic drip treatment…

Michael Settas - KaeloXelus & Patrick Bracher - Norton Rose Fulbright
15 March 2017
11h00 for 11h30 Registration & finger lunch
11h30 to 13h30 Presentation & discussion
FMF, Block 5 Bryanston Gate, 170 Curzon Road, Bryanston (Off Main Road opposite the Sandton Medi-Clinic)
On December 23, 2016, government gazetted the demarcation regulations, which drew a line in the sand between medical expenses insurance and medical scheme benefits.

This is very important to every consumer of healthcare

Many will be forced to rely on an already over-burdened public sector

The consequences and constitutionality must be understood


  • What are our current problems – state and private?
  • Is the government’s proposed national health insurance (NHI) policy financially, or even practically, feasible?
  • Is the existing medical schemes act (MSA) of 1998 the correct framework to promote and foster the expansion of the private healthcare sector?
  • In a free market, what can the private sector deliver right now?
  • The regulations:
    • show a blatant disregard for ordinary people’s right to access healthcare
    • are based on the dubious principle that health insurance products are harmful to the medical schemes industry.
  • Consumers who are prohibited from entering into private arrangements with medical insurance companies and who cannot afford medical scheme membership now find themselves forced to rely on an already over-burdened public sector – is this constitutional?
Please join us to understand why critical questions need to be asked and issues resolved before implementation begins.

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Guests welcome: Each person attending please must register individually

Entrance: Free



Michael Settas has worked in the private healthcare sector for the past 25 years. He is the co-founder (2009) and MD of health insurance business, Xelus, and is also on the board of the KaeloXelus group, a provider of health and wellness product solutions to more than half a million citizens. His main interest has been in understanding healthcare funding models and the resultant impact on costs, quality and sustainability. He consulted widely to medical schemes on the technical aspects of benefit design, pricing, risk management and statistical modelling to better understand the cost drivers in healthcare.

Patrick Bracher is a leading director in the banking and finance team of Norton Rose Fulbright based in Johannesburg. He has years of invaluable experience and a depth of knowledge in insurance law (pure insurance, regulatory aspects and the commercial side), financial transactions and regulatory law. His knowledge also embraces related financial services such as the Financial Advisory and Intermediary Services Act and the Medical Schemes Act. He advises many of South Africa’s insurers, the South African Insurance Association, Lloyd’s of London in South Africa, the National Credit Regulator and the Council for Medical Schemes. Patrick is the external examiner for the University of South Africa’s post-graduate insurance courses. His commercial knowledge is supplemented by a wide-ranging knowledge of the common law; and practical understanding of the law relating to consumers such as the National Credit Act, Consumer Protection Act, and Protection of Personal Information Act especially from the suppliers’ point of view.

Patrick is known for his clear opinions, practical advice and plain language. He edits most of the publications issued by Norton Rose Fulbright South Africa. He has written countless articles himself and presented many lectures and seminars. He is a constitutional lawyer and he hosts a fortnightly radio programme on the Bill of Rights.

He commenced his legal career in the coastal city of Port Elizabeth, South Africa, straight from high school. While doing his articles, he simultaneously studied law by correspondence through the University of South Africa – one of the world’s foremost correspondence universities. He qualified as an attorney at the age of 22, thereafter gaining extensive experience in most fields of law. He joined the practice in 1988.

Patrick was listed as an expert in insurance and reinsurance in Who’s Who Legal, 2016.

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