About Us
A Legacy of Care, A Future of Innovation
At the Consumer Goods Medical Scheme (CGMS), we understand that healthcare is about more than cover, it’s about peace of mind, well-being, and the confidence to live life fully.
With over 30 years of trusted experience, we’ve built a strong reputation for delivering affordable, comprehensive private healthcare designed around the needs of employees in the Consumer Goods Industry.
Today, we continue to evolve with fresh solutions, innovative benefits, and a people-first approach that makes quality healthcare accessible to all our members.
Our purpose is simple: to protect your health, enhance your well-being, and empower you to thrive – now and in the future.
Our History
Since 1993, TBMS has been committed to delivering exceptional private healthcare cover consistently adapting to meet the evolving needs of our members and setting new benchmarks for innovation in the healthcare industry.
Over the past 32 years, we’ve built more than just a medical scheme; we’ve built a legacy of trust, care, and forward-thinking solutions that put our members first.
Today, as CGMS, we carry this legacy into the future with a renewed commitment to innovation and excellence ensuring that at every stage of life, you and your family have access to the highest standard of healthcare, with your future always safeguarded.
Our Structure
We are proudly administered by Universal Healthcare Administrators (Pty) Ltd, with care management provided by Universal Care (Pty) Ltd. Both entities are accredited by the Council for Medical Schemes and operate under the well-respected banner of Universal Healthcare (Pty) Ltd, a trusted leader in the healthcare industry. Their strong track record and expertise ensure that you enjoy comprehensive, best outcomes healthcare, and also receive seamless and effective healthcare administration and management services.
Our Offering
We know that one size doesn’t fit all. That’s why we’ve designed a benefit range that gives every member the flexibility to choose the cover that fits their lifestyle and budget.
- One Income-Based Network Option
A cost-effective solution designed to make quality healthcare accessible, with benefits linked to income to ensure fairness and affordability for every member. The Base Option is a cost-effective plan that covers essential healthcare needs at an accessible contribution level.
- Two Savings Options
Savings based options offering comprehensive risk cover with the flexibility of day-to-day savings. CoreSave and UltraSave combine affordability with the flexibility of managing day-to-day expenses through medical savings accounts.
- Traditional Contribution-Based Options – 3 Levels
Comprehensive benefits structured across three contribution levels, giving you and your family the flexibility to balance affordability with the right level of cover. Levels A, B, and C provide progressively broader cover, offering higher levels of protection and benefits as you move up the range.
Together, these four benefit structures reflect our commitment to offering real value, peace of mind, and reliable healthcare across the Consumer Goods Industry.
Financial Stability
Our financial health is a key pillar of our strength. We consistently maintain a solvency ratio of 40%, far exceeding the minimum 25% required by the Medical Schemes Act. This robust financial position ensures the long-term sustainability of our dedicated closed scheme, providing you with unparalleled security and a dependable partner for your healthcare needs.
The Vision-Forward Approach
Our Commitment to Your Health
We’re building a future where healthcare is not just accessible, but truly sustainable and transformative. By leveraging new technologies and enhancing our benefit structures, we are putting your experience at the forefront of everything we do. We will continue to grow and innovate, remaining dedicated to providing you with accessible, affordable, and comprehensive healthcare solutions.
Join us on this journey toward a healthier future. At CGMS, your well-being is our top priority.