Tiger Brands Medical Scheme — now Consumer Goods Medical Scheme (CGMS)
Restricted scheme · Renamed from Tiger Brands Medical Scheme to Consumer Goods Medical Scheme · For consumer goods industry employees · Administered by Universal Healthcare · 4,500+ members
Overview
The Tiger Brands Medical Scheme (TBMS) has been renamed the Consumer Goods Medical Scheme (CGMS), as part of a mission to offer services and benefits to all employees in the consumer goods industry. The Scheme was originally established for Tiger Brands, Spar, Sea Harvest and Adcock Ingram employees, and has been administered by Universal Healthcare since inception 31+ years ago. It is a registered restricted medical scheme regulated by the Council for Medical Schemes.
Source: CG Medical Scheme — About Us; FA News, "Dedicated medical scheme for the consumer goods industry"; ER24 — Tiger Brands Medical Scheme administrator page.
Membership Profile
CGMS reports 4,500+ members covered. Founding employer base of Tiger Brands, Spar, Sea Harvest and Adcock Ingram has expanded to broader consumer goods industry participation.
Financial Health
CGMS reports a solvency level in excess of 40% — well above the 25% statutory minimum and among the higher solvency ratios in the restricted-scheme market.
Source: FA News — "Dedicated medical scheme for the consumer goods industry".
Plans & Options
Plan options published by CGMS for the current year are available on the Scheme's website. The Scheme caters to consumer-goods-industry employees across different income bands.
Key Benefits & Differentiators
Industry-wide expansion. The rename from TBMS to CGMS in recent years reflects a strategic broadening from Tiger Brands–centric to industry-wide consumer-goods coverage.
Strong solvency position. The 40%+ solvency ratio is well above industry restricted-scheme medians.
All plans cover the 27 PMB Chronic Disease List conditions.
Wellness & Loyalty
Standard preventive-care benefits included on plans; integration with Universal Healthcare's managed-care programmes.
Claims & Service
Administration handled by Universal Healthcare Administrators. Claims via member portal, email, and provider direct-billing.
How the Scheme Is Set Up
Structurally suited only to employees of qualifying consumer-goods industry employers (Tiger Brands, Spar, Sea Harvest, Adcock Ingram, and other industry participants), plus qualifying dependants.
Eligibility & Continuation
Who can join: Employees of participating consumer-goods industry employers, plus qualifying dependants.
On leaving a participating employer: Continuation rules apply for retirees. Non-retiring leavers generally need to transfer to another scheme.
Dependants: Remain on CGMS while the principal member is enrolled.