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South Africa’s healthcare industry is expected to undergo a radical change in structure following the launch of National Healthcare Insurance (NHI), a universal healthcare scheme. The NHI is expected to have a significant impact on the South African personal accident and health segment, both directly and indirectly. Although personal accident and health insurance is the smallest segment in the country’s overall insurance industry in terms of total written premium, NHI could considerably enlarge the segment. Other new South African insurance products, such as those which provide cover for those infected by HIV, will ensure its steady growth over the forecast period.