Welcome to our world of unparallel service excellence

Your health is a very personal matter

Your Medical Aid should respect that and treat you as a person, not a number

about us

We are a privately black owned medical aid Administration and Managed Care company that has a long service history in the industry. Allcare was established in 1978. The recent restructuring has significantly increase the percentage of black ownership to 80%, which further improved Allcare’s Broad Black Based Economic Empowerment status to level 2.

Allcare Administrators (Pty) Ltd is accredited by the Council for Medical Schemes (CMS) as a Third Party Medical Scheme Administrator and Managed Health Care Organisation. Allcare is an accredited by the Financial Services Board (FSB) as a Financial Services Organisation. As such, it can set values and pursue goals and objectives that serve the real interests of all the stakeholders.  Our success has been due to the quality of service to members, guidance to trustees and the financial acumen to ensure successful schemes that provide outstanding value for money.

Allcare is proud of its nature and history of having a national footprint and by being an outstanding administrator that won PMR Diamond Arrow Awards for five consecutive years.  It provides a highly personal level of service that recognises members as individuals, with healthcare requirements that have to be satisfied promptly, effectively and economically.  Allcare has the expertise to develop new generation schemes suited to members who want to manage their out-of-hospital costs and require the security of comprehensive benefits.


To be South Africa’s leading and distinct black service provider In healthcare administration, employee benefits and short term insurance


We strive to be the best management service provider to our Partners through a wide range of services, supported by highly skilled staff and Innovative technology


· Equity
· Integrity
· Customer focused
· Skilled Development
· Performance Driven
• Quality Service

corporate philosophy

We are focused on our core business of assisting medical aid schemes to provide the highest quality of service, best value for money and respecting their members as individuals.  It is our aim to be the best administrator in South Africa by being efficient and cost effective. It is our philosophy to be responsive to members' needs at all times, with speed and efficiency in handling claims, with clarity in eliminating confusion and with promptness in dealing with frustrations.

The management approach of Allcare is based on the ideals of accessibility, accountability and flexibility.  Members of the management team are always accessible to schemes’ members who wish to escalate their contact level.  Management also maintains ease of access for Trustees, corporate clients and employees.  Accessibility also includes appropriate ongoing communication with members in easily understandable language.

Allcare does not believe in imported or "one size fits all" solutions.  The administration of each individual scheme is approached as a unique exercise in partnership between all the stakeholders.  The optimum result, in terms of benefits and value for money, will be designed around the specifics of our country, the nature of the business and the needs of the members.

Allcare provides:

In-depth knowledge of the South African medical aid environment.
The design and administration of products to suit customers' specific needs and to provide   members with optimum benefits.
Adaptable, versatile and innovative healthcare solutions.
Advice and guidance in restoring or maintaining financial viability for medical schemes.

service delivery

The executive leadership of Allcare is focused on delivering superior quality service at an optimum benefit-to-contribution ratio. This is achieved through streamlining processes and installing cost-effective administration procedures.  The management is enthusiastic, results-orientated and focused on healthcare without incentive schemes or lifestyle enhancements becoming more important than the core business.

Apart from all the administrative and financial skills expected of an administrator, Allcare has specific strengths in medical resources.  In-house pre-authorisation for procedures is handled by our own medically qualified staff.  The efficient call centre provides fast, high quality response to member queries and problems.

Allcare utilises the Medstar medical aid administration system. The system is extremely dynamic at the same time as being very stable and robust.  Data structures can be altered at a single point at the data dictionary level, making conversions and upgrades easier. The system is compatible with a wide range of hardware and operating systems and has the power, throughput and storage to integrate the entire administration system as well as full disaster recovery compatibility.

Without stressing the structure as it exists, Allcare is geared to expand its capacity to well in excess of 100 000 principal members.  Any growth that is anticipated will be organic and will be accommodated comfortably within the existing framework.  Whatever expansion plans are considered, they will fall within Allcare's fundamental philosophy of individual attention and personal service.


It is essential to member satisfaction that everybody understands exactly what they can and cannot expect and where their contributions go.  Allcare pays particular attention to keeping members informed and to making all documentation as understandable and clear as possible.

Stakeholder education programmes are undertaken with workshops and training for members and for authority figures such as shop stewards.  Regular member communications inform them of changes, additions or adjustments to the benefits and contributions.  Our philosophy is to be as user-friendly as possible.



Professor Phinda Mzwakhe Madi, a corporate lawyer by profession, is a chairman of the diversified investments holding company, Madi Investments, which he founded 17 years ago. He is also a majority shareholder and chairman of Allcare Medical Aid Administrators, one of South Africa’s oldest privately owned medical aid administration companies.

Over the years, from time to time he has also served as advisor of major South African public corporations’ like the Spar Group, Nampak Group, Illovo Sugar, Sovereign Foods Limited and the Automobile Association of South Africa, and a host of other private companies. He was commissioner and founding member of the South African Black Economic Empowerment Commission (BEE Com).

A law graduate of the University of Zululand, in South Africa, he acquired business administration qualifications from Northwestern University Kellogg Business School in Chicago and HEC Business School in Paris. Between 2002 and 2008 he served tenure as visiting professor and lecture at Rhodes Investec University Business School and was awarded Ad Hominem Honorary Professor at the conclusion of his tenure.

As a writer, Prof Madi wrote his first book, Affirmative Action in Corporate South Africa. His follow up book, Black Economic Empowerment in the New South Africa, led to the formation of the BEE Commission and eventually the creation of the country's policy and codes of good practice. His second last book is Leadership Lessons from Shaka Zulu was followed by the recently lauched book Black Economic Empowerment: 20 Years later - The Baby and the Bathwater. It evaluates progress so far and startles with its fresh perspective on the way forward.

Mzingendoda Victor Xulu

Chief Executive Officer (CEO)

Muzi has more than 14 years experiance in the healthcare industry with some experience particularly in medical aid administration and employee benefits. He is a qualified teacher and lectured at Promat College and University of South Africa. Whilst in education, he was appointed as a national deputy chief examiner. He then joined SAPO as a diversity manager, training manager at Harties (Anglovaal) gold mine, chief director of the Independent Electoral Commission (IEC) and a group executive director at Thebe Risk and Benefits Group.

Muzi has an all-embracing experience in the field of Human Resources Management and specialized in Employee Relations, Training and Development and Diversity management. He has conducted special projects in areas of voter education, democracy development and election management. He served in the board of the North West Education Foundation, Black Management Forum and Mpower Health and is currently the Chief Executive Officer and board member of Allcare Administrators.

He holds a Secondary Teachers’ Diploma (STD) and BA (Hons) at University of Pretoria and did management development programme (MDP) at Wits Technikon. He attended a special democracy development training in Australia and acquired a project management certificate in London.

Estelle El Qouar

Chief Operations Officer (COO)

Estelle has been in and around the healthcare industry since 1984.  Her experience includes medical schemes, health insurance, medical service providers, hospital management and IT Service Providers.

She has offered a wide range of services from all levels with extensive experience in management, business processes, systems analysis, projects management and implementation. She has even participated in the Health Care Funding and Health Care Provision industries in South Africa, Tanzania, Kenya, Uganda and Netcare operations in Rwanda, Ghana and Morocco.

As a reputable professional Estelle holds a Diploma in Business Management. She has proven to be a knowledgeable person in Medical Aid and other Employee Benefit. She is currently a Chief Operations Officer and board member of Allcare Administrators.

Marianne Curtin

Compliance and Business Support

Marianne has a varied experience background ranging from Medical Technology, Public Relations, Financial Accounting, Cost and Management Accounting, Pension Administration, Banking, Internal Auditing, Computer Auditing to Medical Aid Administration and Medical Aid and other Employee benefits.

Marianne has been in management since 1976 and has been an internal audit manager, vice president, corporate affairs manager and general manager. While at Citibank she received a managing director’s award for developing a new performance management program. She’s been in the Medical Aid Industry for the last 20 years and during this time she was involved in financial accounting, claims assessing, membership administration, underwriting, credit control, client services, product development, tariff negotiations and new membership system development.

Matriculated with a University Exemption and completed Bachelor Music – Unisa, Cost and Management Diploma at Rapid Results College and Financial Management at Damelin She also completed several Citibank and Allcare in-house work related courses and also did some international training programmes like computer training in London and Management courses in Switzerland. She has completed her Key Individual examination with Moonstone.

Michael Moema

Finance and Admin

Michael has been exposed to international auditing standards when he joined the fifth black audit firm in South Africa, SizweNtsalubaGobodo Auditing Firm to do his articles. He then got exposed to the Healthcare industry. Some of the clients during his term of articles include medical schemes and other industries.

His clients included Nedgroup Medical Scheme, Community Medical Aid Scheme, Stanlib, Eskom Finance Compay and Khula Enterprise and he has a great eye for detail and he specialises in and has a genuine interest in the finance management; and is currently a Finance and Admin Manager at Allcare administrators.

Mike matriculated in 2006 with a Matric exemption at D. A. Mokoma High School. He completed Bachelor of Accounting Science Degree obtaining eight distinctions. He completed First Level Regulatory Examination: Representative (RE5) as well as his Key Individual Examination with Moonstone. He is currently busy with Honours degree in Accounting Science as well as Post-Graduate Diploma in Accounting Science with Unisa and a member of Association of General Accountants (AGA) SA.

Mbulelo Nyovane

Fund Manager

Mbulelo has extensive knowledge, understanding and experience in the private healthcare industry. He provides an administrative function to schemes and liaise with various business operations departments of the administrator, interacts with schemes’ clients, members and service providers. He deals with all Medical Aid Scheme’s related matters in terms of compliance.

He started his career as an educator, then went to Phumelela Gamming and Leisure as a Training Officer before joining the Independent Electoral Commission of South Africa as an Assistant Director of Human Resources Development. He later worked at Thebe Risk and Benefits Group as Manager of Human Resources and Regional Sales Manager. He later joined Allcare Administrators as Manager of Membership Support and is currently a Fund Manager.

Mbulelo Nyovane holds a Secondary Teachers’ Diploma and a Bachelor of Arts degree with Wits University. He has attended other in-house training courses that are work related.

Departmental heads


click here to visit the website

contact us

Physical Address:

Ground Floor
82 Maude Street
South Africa

Correspondence Address:

PO Box 2650 
South Africa

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form