Skip to main content


Get In Touch


Proper Financial Services C.C. was originally formed in 1992 by Patrick Roper.
Proper Group is comprised of Proper Financial Services C.C. (1992/032462/23) and Proper Healthcare Services C.C. (2009/105367/23). The Proper Group head office is based in La Lucia Ridge, north of Durban, and a branch office was opened in Ballito in March 2018.

Our Services


Proper Healthcare Consulting is KwaZulu-Natal’s leading independent medical aid specialist. Our goal is to provide outstanding customer service with our client centric approach, which in turn provides improved efficiencies for our clients. Our consultants are distinguished for their experience and capabilities in the healthcare industry ensuring that our clients receive the most effective and professional service. Our extensive skills encompass all aspects of consulting including strategic, operational and member support.

Authorised Financial Services Provider

Proper Financial Services C.C. is an authorised financial services provider (FSP number 14332), and Proper Healthcare Services C.C. is an authorised financial services provider (FSP number 39520), in terms of Section 8 of the FAIS Act.

A copy of our licence certificate is available on request.

FSP Name Proper Financial Services C.C. Proper Healthcare Services C.C.
Registration number 1992/032462/23 2009/105367/23
Contact person Mark O’Flaherty Mark O’Flaherty
Telephone number 031 502 3329 031 502 3329

Compliance Officer

L Pardy and Associates (Pty) Ltd

Phone Number – 031 582 1419

Email –

For a copy of our Statutory Disclosure Notice, please email

Conflict of Interest Management Policy

Proper Group has adopted and implemented a Conflict of Interest Management policy that complies with the provisions of the FAIS Act.
The Conflict of Interest Management policy is published on our website, click below to read it. You can also email to obtain a copy of it.

Complaints Procedure

Should you wish to pursue a complaint against a key individual or representative of Proper Group, you should address the complaint in writing to us at

If you cannot settle your complaint with us, you are entitled to refer it to the Office of the FAIS Ombud, at or telephone number 0860 324 766. The Ombud has been created to provide you with a redress mechanism for any inappropriate financial advice that you feel may have been given to you by a financial advisor.

TCF Policy

Our Treating Customers Fairly policy is centred around the guidelines provided by the Financial Sector Conduct Authority to ensure we consistently deliver fair outcomes to our clients and take responsibility for the business and staff providing an enhanced service quality to clients, based on a culture of openness and transparency. As a business, we take the requirements of the FSCA seriously, in particular, the requirement to treat customers fairly.

Website Privacy Policy

Proper Group is committed to maintaining the privacy and security of its customers’ personal and private information. Our privacy policy outlines our practices and commitment to the customer and can be read here.

The PAIA Manuals (Promotion of Access to Information Act Manual)

These information manuals provide an outline of the types of records held by Proper Group and explain how one may submit requests for access to these records in terms of the Promotion of Access to Information Act, 2 of 2000 (“the Act”). Click below to access these manuals.

Website Disclaimer

Proper Group has and will continue to take reasonable care to ensure that all information, in so far as this is under its control, provided on this website is true and correct.

Proper Group shall not be responsible for, and therefore disclaims any liability for, any loss, liability, damage (whether direct or consequential) or expense of any nature whatsoever which may be suffered as a result of or which may be attributable, directly or indirectly, to the use of or reliance upon any information, links or service provided through this website.

There is no warranty of any kind, expressed or implied, regarding the information or any aspect of this service. Any warranty implied by law is hereby excluded except to the extent such exclusion would be unlawful.

Our website contains links to other sites. Please be aware that Proper Group is not responsible for the privacy practices of such other sites. We encourage users to be aware when they leave our site and to read the privacy statements of each and every website that collects personally identifiable information. This privacy statement applies solely to information collected by this website.