Looking for a suitable medical aid can prove a daunting task seen in the light that there were 391 benefit options in 124 medical schemes in 2006 of which 41 were open Schemes. On average open schemes had 5 options per scheme and of the 42 schemes 21 had a greater than R 18 million operating deficit for the 2006/2007 year. Given the wide range of healthcare products and associated information that have to be evaluated, we at Fivaz Brokers focus on building relationships with our clients, understanding their requirements and entering into partnerships with them to realise these goals within an acceptable risk profile.