South Africa’s healthcare and financial protection sectors are shifting fast, demanding solutions that balance cost, access and wellbeing. In this edition, COVER explores how insurers and advisers are rethinking medical cover, bridging healthcare gaps, and supporting clients through critical illness, financial anxiety and rising medical scheme costs. We also celebrate 20 years of Infiniti Insurance, a story of partnership and purpose. As uncertainty continues, one thing is clear: sustainability depends on empathy, innovation and advice that puts people first.