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Healthcare brokers have long complained about inflation-plus medical scheme contribution increases; but pandemic may have changed things. What will pandemic-induced changes in hospital utilisation do to medical scheme contribution increase patterns?

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	Below inflation increase for 2022, then back to inflation-plus
	Long-term trend of below inflation increases
	Inflation-linked hikes for 2022, then back to inflation-plus
	This is a 2-year hiccup, inflation-plus increase trend remains in place

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Broker and insurer collaboration should not be a one-way street

Running on outdated systems… There's risks

Policy wordings with respect to COVID-19

Death or divorce... how best to split assets

Ethical investing… principles and moral codes

Portfolio positioning will serve investors well

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