For years, healthcare advisors could win on price, plan comparisons and benefit grids. But in a market where every client is cost-sensitive and every medical scheme claims “value,” the differentiator has changed. Employers are asking a deeper question: Will this cover actually hold up for our business over time? 

That’s where the next wave of growth lies – in solutions that don’t just offer cost-effective cover, but also help members make better healthcare choices, access care sooner, and avoid the costly spiral caused by confusion and delay. 

This is where the Consumer Goods Medical Scheme (CGMS) gives healthcare advisors a stronger narrative. CGMS exists to address healthcare challenges specific to the consumer goods industry – a focus that helps you advise with relevance and confidence in a fast-growing sector. CGMS understands the operating environment your clients face and designs benefits to deliver long-term value while containing costs. 

But what makes CGMS especially compelling in advisory conversations is how it offers practical support to drive that wellness curve upwards. 

CGMS is built on a simple truth: when members are guided towards informed, proactive healthcare choices, small efficiencies compound. That means better benefit utilisation, less financial pressure on members, and stronger outcomes for employers, reinforcing your role as the advisor who delivers sustainable solutions. 

One of the most practical ways to bring this to life is the Universal.one App, a tangible tool you can show clients. It gives employees quick access to membership details, statements and tax certificates, and streamlines authorisations, claims submission and tracking. 

More than this, though, it supports real-world access to care – increasingly central to perceived value. Employees can complete a diagnostic check-up in around 30 seconds and track their wellness score over time, while comprehensive, personalised wellness support nudges them to adopt healthier behaviours. Through the App they also have unlimited 24/7 nurse chats for guidance on the right care path from the start, as well as online doctor services, including e-prescriptions, test requests, sick notes and referrals. 

Because healthcare is a journey, this App also includes smart records for secure access to medical history, and a personal health assistant with reminders for scripts, refills, appointments, vaccinations and follow-ups – support that improves continuity of care and helps prevent problems before they escalate. 

CGMS offers a fresh way to attract business: a focused medical scheme for a defined industry, backed by clear usability that employers can see immediately and employees can experience directly. 

Ready to change the healthcare conversation in 2026? Reach out to your dedicated CGMS broker and let’s talk about how CGMS can help you deliver smarter, value-driven healthcare solutions.