The professional indemnity provider
keeping our doctors in practice

About EthiQal

Launched in November 2016, EthiQal is proud to offer South Africa’s first homegrown occurrence-based medical indemnity solution. With a firm belief that our doctors are a national asset that must be safeguarded for the well-being of our nation, we are committed to actively protecting our doctors, their practices and their patients.


As a company that cares about the future of medical care in South Africa, we collaborate with healthcare practitioners, their professional societies, the legal profession and government representatives to bring stability to the medico-legal landscape and to secure the future of the medical profession, while preserving and building medical care in the country for everyone’s benefit.


Our Vision

To support and protect doctors and their patients by developing and sponsoring optimised and innovative risk management solutions.

Our Mission

To be the leading provider of professional indemnity cover for healthcare providers, as well as their preferred risk management partner.

About Constantia

EthiQal is a division of Constantia Insurance Company Limited (part of the Constantia Insurance Group), which has been in the insurance industry for over 65 years. As a trusted and innovative brand, Constantia is proud of its heritage and the contribution it has made to the South African insurance industry.

The Group is 100% owned by Conduit Risk and Insurance Holdings (Pty) Ltd., a multibillion rand organisation listed on the JSE. Constantia established a substantial reinsurance programme with Swiss Re from inception to June 2019, whereafter Constantia was able to attract reinsurance capacity from a panel of five UK and USA-based medical malpractice reinsurance partners.

In 2018, Constantia was awarded the prestigious Institute of Risk Management (IRMSA) Insurance Sector Award in recognition of EthiQal’s innovative contributions.

“Our focus is on providing doctors with peace of mind and a sense of security that they’ve not had in the past, while also significantly reducing the cost of medical PI cover.”

Volker von Widdern
Chief Executive Officer

The EthiQal advantage

EthiQal provides the only real occurrence-based cover protected by South African laws and regulations. We are pioneers of fair dispute resolution and are committed to protecting our doctors to keep them in practice.

Real occurance-based contracts

Occurrence-based cover is the most popular form of indemnity cover amongst doctors, as it is easy to understand and administer, and it provides protection for claims that result from any incident that occurs whilst being a policyholder. This is irrespective of when the claim is made and it includes the time after a policy has been cancelled.

Contrary to claims-made cover, it does not expose doctors to potential gaps in cover as a result of policy migration between financial service providers, contracted scope of practice, unexpected inability to purchase run-off cover or forfeiting of extended reporting periods.


Bar material non-disclosure, occurrence-based policies provide certainty of future cover for any claim arising from incidents that happened during the policy period. With claims-made cover, doctors are only protected for adverse incidents that both occur and are reported during the policy period.

As EthiQal is a registered financial services provider, its contracts are enforceable within South Africa’s legislative framework, and solvency is monitored by the Prudential Authority (previously known as the Financial Services Board).


Active Protection of Doctors

We firmly believe that our doctors are a national asset and must be protected. Our business model is underpinned by active risk management aimed at reducing medico-legal threats and stabilising professional indemnity premiums, while our business strategy is guided by a collaborative approach and the belief that real data will lead to real solutions.


Our investments are aimed at supporting doctor-driven risk management solutions like the development of practice guidelines, patient educational leaflets, informed consent forms, as well as the establishment of communication platforms and data repositories.

Policyholders may also benefit from a free practice management consultation to protect their practice.


Pioneers of fair dispute resolution

EthiQal’s in-house team of highly experienced lawyers and doctors is easily accessible, provides day-to-day medico-legal advice and oversees the claim adjudication and resolution process with the support of reputable law firms, all of whom have established track records of excellence in the medico-legal field.


As pioneers of fair dispute resolution, we are intolerant of unethical behaviour and vexatious claims and we are committed to intervening on these, where identified. To protect the practitioner and the patient against the mental strain of unnecessary prolongation of a dispute, to achieve the best outcome for both parties in the shortest possible time period, to avoid unnecessary legal fees and to restore the doctor-patient relationship, where possible, we actively promote mediation as an alternative to litigation. We are also advocates for impartial expert opinion panels.


Meet the EthiQal team

Our highly skilled and professional team is committed to supporting our medical professionals and effecting positive change in our healthcare system.

Volker von Widdern

Volker qualified as a CA (SA) with Deloitte and spent his initial career in the asset finance industry. This included insurance administration. He joined Guardrisk as one of its early employees and soon became the managing director. Volker led Guardrisk’s growth to four licences and R2,5 billion in six years. Volker then joined Marsh, where he led the development of risk consulting and insurance advisory services in various international markets for 14 years.

Volker became the DCEO of Constantia Insurance in July 2016, and the CEO in November 2016. He was initially responsible for the launch of EthiQal, Constantia’s professional indemnity solution for doctors, and has since established a team of 250 staff and management to support a R2 billion life and non-life insurance group.

Volker has a keen interest in sports, enjoys golf and swims for fitness. He was an avid cyclist, with over 10 Argus and 94.7 completions, until some traffic incidents retired this activity. He reads widely and is very curious about “what makes people tick”.

“If you believe (in) it, you can achieve it.”

Chief Executive Officer

JP Ellis

JP is an admitted attorney with B Comm and LL B degrees and was a senior attorney at an international law firm. His primary focus has been in the field of insurance law, medical malpractice work and health regulation. He is a trained mediator and has completed a certificate in medico-legal practice through the University of Cape Town.

Since joining Constantia in 2017 he has been responsible for: overseeing claims management; providing advice and opinions on regulatory aspects pertaining to insurance and healthcare; drafting commercial documentation in compliance with the relevant insurance statutory framework; co-ordinating various law reform initiatives with industry stakeholders and government; providing medico-legal assistance and advice to medical specialists; providing general and legal advisory services to the business; and assisting in risk management initiatives.

JP most enjoys spending time with his wife and three children. His other interests include travelling and participating in combat sports such as full contact karate, Brazilian jujitsu, and mixed martial arts.

“You can’t do it unless you can imagine it” – George Lucas

Senior Legal and Claims Manager

Dr Bettina Taylor

After starting her career in academic clinical practice, Bettina pursued her interests in health economics, medical ethics and risk management. She spent more than 20 years at Medscheme, where she led drug and health technology assessments and health policy, and where she engaged at industry level in healthcare financing reform.

She joined Constantia in 2017, focused on driving EthiQal’s vision of supporting and enhancing healthcare by protecting South Africa’s doctors through the development and enablement of risk management solutions.

Relaxation time for Bettina includes open water swims in the Cape’s icy oceans and walks on the mountain. Whilst she successfully completed her first Robben Island crossing in 2017, doing the same without the protection of a wetsuit remains on her bucket list.

“Primum non nocere” – origin unknown

Senior Risk Specialist

Dr Ravesh Goordeen

A qualified medical doctor, Ravesh has acquired many years of experience both clinically and in the insurance industry, having worked for various blue chip companies prior to joining the EthiQal Team. His purpose is to ensure that customers experience great service with their product delivery.

When he is not busy at work, Ravesh enjoys boxing fitness training.

“Be the change that you wish to see in the world.” – Mahatma Gandhi

Senior Manager: Operations and Client Services

Ulundi Behrtel

Ulundi is a qualified attorney with more than 25 years’ experience in the medico-legal field, including senior appointments at the South African Nursing Council, the South African Law Reform Commission and South African Medical Association (SAMA). She has been a claims manager at EthiQal since September 2018.

As a Harley-Davidson rider and enthusiast, her passion when out of this office is the open road.

“Knowledge comes but wisdom lingers” – Calvin Coolidge

Claims Manager

Dr Hlombe Makuluma

Hlombe is a qualified general medical practitioner with a Masters in Medical Law and Ethics from the University of Pretoria. He has more than 20 years’ experience in the health industry from operating his own private practice and working for various corporates to health consulting.

At EthiQal, he provides medico-legal advice on various issues affecting the doctor, from general advice through to claims, complaints and notifications. He is the interface between the doctor and legal and risk management processes.

When not busy with work-related matters, he explores various mountain bike trails with his mountain bike. He has finished a couple of Cape Cycle Tours and 94.7 Cycle Challenges.

“If you don’t like how things are, change it! You’re not a tree.” – Jim Rohn

Medico-Legal Advisor

Busani Mthombeni

Busani has been in the insurance industry for over 20 years, where he has gained extensive experience in personal, commercial and specialist insurance areas. His career has seen him specialising in risk assessment, underwriting and management of client relations. He oversees all aspects of the underwriting process, offering expertise in risk placing, technical insurance aspects and reporting.

Busani is very passionate about humanity and leadership development, while one of his down time activities is participating in various sporting disciplines.

“Good conduct arises out of good doctrine.” – John Stott

Underwriting Manager

Gerald Mathebula

Before joining Constantia Insurance Company Limited, Gerald worked in the healthcare industry for 21 years after starting his working life as a teacher. He got his healthcare experience from companies like Discovery Health, MX Health, Netcare Group and Hosmed Medical Scheme.

He joined EthiQal, a division of Constantia, in 2018. His principal responsibilities are channel development, sales and distribution, as well as coordinating marketing activities.

When he is not busy at work, Gerald enjoys playing golf, reading and watching movies.

“A person who never made a mistake never tried anything new.” – Albert Einstein

Sales and Channel Manager

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