Kaelo has a clear purpose: to improve the lives of South Africans by facilitating access to quality healthcare. We believe that the people of this country have unlimited potential, but that they'll only be able to fully realise it once their healthcare needs are met. We use innovative approaches and the latest technology to make this happen, and we are never afraid to disrupt the status quo if it means improving people's lives through healthcare. Our range of products and services have been designed to meet the needs of people who previously may have had limited access to quality healthcare. Our Kaelo Clinic offering delivers on-site healthcare services to workplaces, while our MyHealth Primary Care plans bring private healthcare within reach. Our Gap Cover products provides peace of mind thanks to above-tariff medical costs being covered, while our groundbreaking Kaelo Lifestyle AskNelson product is an advice and counselling solution for employees and their families ensuring both physical & psychological wellbeing.Kaelo believes in the power of partnerships. We meet the healthcare needs of South Africans through a nationwide network of expert brokers, and we collaborate with corporates to engineer holistic healthcare solutions that result in happier, healthier and more productive employees who enjoy a better quality of life, both personally and professionally. This is not a Medical Scheme and the cover is not the same as that of a Medical Scheme. This Policy is not a substitute for Medical Scheme membership.Kaelo Risk (Pty) Ltd is an authorised financial services provider FSP 36931.Our Kaelo Health and Kaelo Gap products are insured by Centriq Insurance Company Limited (FSP 3417). Western Gap is insured by Western National Insurance Company Ltd (FSP 9465).