Can I be refused membership of a Medical Aid Scheme?


A medical scheme is generally not allowed to refuse you membership, including on the grounds of past-ill health, or you being a high risk.

A scheme, can, however impose waiting periods.

A scheme is also not allowed to charge you a different (higher) premium because of your past medical history. It can, however, impose a “late joiner penalty”, which can range from an extra 5% to extra 75% of the premium, depending on your age and how long you have not had medical aid coverage.



Medical Aid Bible helps South Africans choose the best medical aid plan for their needs. Quickly view the benefits on any open plan, and compare any two plans with a simple click.