The exclusion of medical aids from a national healthcare system after the National Health Insurance (NHI) Bill is fully implemented is a barrier to creating a workable national healthcare system that can only happen through a partnership between the private and public sectors, said financial services and medical insurance company Discovery CE and founder Adrian Gore. Creating a workable healthcare system in South Africa requires that the public and private sector collaborate, preserve what is present and improve upon it, as well as design the system to manage the complexity of a national healthcare system.