Medical Scheme

Administered by Universal Healthcare Administrators

Copyright Universal Healthcare (Pty) Ltd 2010 - 2016

Tiger Brands Medical Scheme (TBMS) is a dedicated medical scheme for the employees of Tiger Brands, Spar, Adcock Ingram and Sea Harvest. With its solid track record, financial robustness, personalised service and outstanding benefits, it is a medical scheme that is highly competitive.


Employees at the above companies need look no further than TBMS when it comes to comprehensive healthcare cover for members and their dependants.


TBMS is a non-profit entity that is run by Board of Trustees, which has the best interests of the Scheme at heart at all times.


The Scheme places members and their dependants at the centre of everything it does and service delivery is one of its highest priorities. The Scheme offers personal, individualised care taking into account each beneficiary’s needs and requirements, and making sure that those are met.


While TBMS offers a highly personalised service it also recognises the importance of patient confidentiality. All staff members are bound by confidentiality clauses in their contracts as well as by the law. The member can therefore be assured of absolute confidentiality when it comes to his or her healthcare affairs.


When you choose TBMS you can be assured that you are selecting a medical scheme that has an solid financial track record. The best measure of a medical scheme’s financial stability is through its solvency ratio. A scheme’s solvency ratio is its reserves expressed as a percentage of contributions. The higher the solvency ratio of the scheme the greater its ability to pay members’ claims.


TBMS’s solvency reserves ratio as at 30 November 2017 was 41%. This is above the 25% that the Medical Schemes Act requires.


TBMS was formed when Tiger Oats Medical Scheme amalgamated with ICS Medical Aid Society in 2000, and has been providing medical cover to its members since January 2001.  TBMS is managed and administered by Universal Care (Pty) Ltd. and Universal Healthcare Administrators (Pty) Ltd. Both companies have enviable track records and operate under the well-respected banner of Universal Healthcare.



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