ringfencing them to a full range of independent medical aid, gap cover, and short-term, and employee benefit – not potential. 30% ongoing on short-term, medical aid, gap cover, and employee benefits referrals 50% ringfencing them to a full range of independent medical aid, gap cover, and short-term, and employee benefit – not potential. 30% ongoing on short-term, medical aid, gap cover, and employee benefits referrals 50%