CMS might dissolve small medical aid schemes

The Council of Medical Schemes is considering dissolving 29 medical schemes that have fewer than 6,000 members to better cross-subsidise risk. The Medical Schemes...

Pregnancy cover if you don’t have medical aid

Pregnancy is considered a medical condition, and as such is subject to waiting periods when you join/change medical aid schemes. Waiting Periods If you have not...
Affordable Medical Aid

Help us crowdsource information about the Late Joiner Penalty

The Medical Aid Bible team has been listening to some of our wonderful site users, and we have heard horror stories about how some of you are being overcharged for the Late Joiner Penalty. This enticed us to investigate how each scheme handles the penalty. We found some big irregularities.

Our complaint against Bestmed re late joiner penalty

We investigated all the open medical schemes, and discovered some discrepancies in how some schemes are representing the late joiner penalties (LJP). Bestmed was one of those schemes.

Our complaint against Genesis re late joiner penalty

We investigated all the open medical schemes, and discovered some discrepancies in how some schemes are representing the late joiner penalties (LJP). Genesis was one of those schemes.

Is your late joiner penalty worked out correctly?

We have found that some schemes and brokers misrepresent or miscalculate how the late joiner penalty is applied. We have laid three complaints with the Council of Medical Schemes. If you are paying a late joiner penalty, you can use the information on this page to determine if you are paying the correct penalty.

Should a medical aid scheme pay for experimental treatment?

Should medical schemes fund experimental treatments if they are a member's only option for survival?