Who Protects Medical Scheme Members? | Governance & Regulation | Lube & Avril | Foresight 2025

Medical scheme members pay their contributions every month in good faith — but when they are most vulnerable, who is really responsible for protecting them? In this episode, we unpack what member protection truly means under the Medical Schemes Act and why accountability does not sit with medical schemes alone. Protection requires alignment across the entire healthcare ecosystem, from regulators and administrators to managed care organisations, board members, legal advisors, and professional consultants. Every player in the value chain carries a role, and when governance fails at any level, members feel it first. Drawing on a 16-year journey within the regulatory environment, this conversation reflects on compliance oversight, board governance, leadership culture, and the evolution of regulatory engagement. We explore what regulators get right, where improvement is necessary, and why increased collaboration across the system signals a meaningful shift in the industry. At its core, this discussion is about shared responsibility — and the practical realities of protecting medical scheme members in South Africa. Connect with Avril's on these platforms: LinkedIn:   / avril-kennedy-606894240   Insight LinkedIn:   / insight-actuaries-&-consultants   Instagram:   / insight_za   Visit our website: https://www.insight.co.za/