Can I be refused membership of a Medical Aid Scheme?

No.

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.


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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.
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