Who underwrites each health insurance plan?
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In short
- The brand on a health insurance plan is not always the insurer. The underwriter is the licensed insurer that carries the risk and pays claims.
- Discovery Flexicare is underwritten by Auto and General, not by Discovery Health Medical Scheme.
Which insurer is behind each plan?
| Brand and plan | Underwriter | Administrator |
|---|---|---|
| Discovery Flexicare | Auto and General Insurance Company Limited (an authorised non-life insurer) | Discovery Health (Pty) Ltd |
| Discovery Emergency Cover | Discovery Insure Ltd (a licensed non-life insurer) | Discovery Health (Pty) Ltd |
| Momentum Health4Me | Momentum Metropolitan Life Limited (FSP 6406) | Momentum Health |
Why does the underwriter matter?
The underwriter is the company you have the contract with. Complaints about claims go to the underwriter first, and then to the relevant ombud.
How can I check this myself?
- Find the underwriter statement in the product brochure or at the foot of the product page (linked under Sources).
- Search the insurer or financial services provider on the FSCA register.
Sources
- Discovery, Flexicare product page (premiums, FAQ, underwriter statement), read 21 October 2026
- Discovery, 2026 Flexicare Core leaflet, read 21 October 2026
- Discovery, 2026 Flexicare benefit leaflet (Core and Plus), read 21 October 2026
- Momentum, Health4Me for Individuals brochure 2026 (benefits and premiums), read 21 October 2026