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.
We investigated all the open medical schemes, and discovered some discrepancies in how some schemes are representing the late joiner penalties (LJP). Commed was one of those schemes.
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.
Medical Aid South Africa costs
A list of Discovery Health plans whose premiums are determined by your income (the lower your income, the lower your premium)
Discovery Health has 9 different groups of plans (Executive, Comprehensive, Saver, Core, Priority, Smart, Keycare Plus, Keycare Access and Keycare Core).
Hospital network
A list of all hospitals that fall under Discovery Health networks
Hospital network
The lists apply to members on the KeyCare Core and KeyCare Plus plans. You must go to one of these hospitals for planned hospital admissions. If you do not use one of these hospitals for a planned admission, you will need to pay these claims. The lists also apply to KeyCare Access, for emergencies and trauma. Full Cover Hospital Network – We cover you in full at the rate agreed...
Hospital network
Gauteng Mediclinic Morningside Wits Donald Gordon Medical Centre Netcare Clinton Hospital Life Roseacres Clinic Netcare Waterfall City Hospital Life The Glynnwood Life Wilgeheuwel Hospital Netcare Krugersdorp Hospital Dr S K Matseke Memorial Hospital Mediclinic Vereeniging Mediclinic Medforum Netcare Park Lane Hospital Mediclinic Legae Mediclinic Midstream Clinix Botshelong - Empilweni Life Genesis Clinic Life Fourways Hospital Life Groenkloof Hospital Life Wilgers Hospital Plus 51 day clinics Free State Mediclinic Bloemfontein Plus 2 day clinics Eastern Cape Netcare Greenacres Hospital Life Beacon Bay Hospital Plus 1 day clinic KwaZulu Natal Mediclinic Pietermaritzburg Netcare St Augustine’s Hospital JMH Isipingo Clinic Life Westville Hospital Netcare...
Hospital network
Gauteng Arwyp Medical Centre Life Bedford Gardens Hospital Netcare Bougainville Private Hospital Life Brenthurst Clinic Life Carstenhof Clinic Dr S K Matseke Memorial Hospital Clinix Naledi-Nkanyezi Private Hospital Netcare Clinton Clinic Life Genesis Clinic Mediclinic Emfuleni Netcare Femina Hospital Life Fourways Hospital Mediclinic Legae Private Hospital Lenmed Ahmed Kathrada Private Hospital Life Groenkloof Hospital Louis Pasteur Hospital Midvaal Private Hospital Mediclinic Morningside Life Robinson Private Hospital Life Roseacres Clinic Life Suikerbosrand Clinic Wits Donald Gordon Medical Centre Life Wilgeheuwel Hospital Plus 55 day clinics KwaZulu-Natal Life Chatsmed Garden Hospital Life Entabeni Hospital Midlands Medical Centre Life Westville Hospital Ethekwini...
Hospital network
Gauteng Arwyp Medical Centre Life Bedford Gardens Hospital Netcare Bougainville Private Hospital Life Brenthurst Clinic Life Carstenhof Clinic Dr S K Matseke Memorial Hospital Clinix Naledi-Nkanyezi Private Hospital Netcare Clinton Clinic Life Genesis Clinic Mediclinic Emfuleni Netcare Femina Hospital Life Fourways Hospital Mediclinic Legae Private Hospital Lenmed Ahmed Kathrada Private Hospital Life Groenkloof Hospital Louis Pasteur Hospital Midvaal Private Hospital Mediclinic Morningside Life Robinson Private Hospital Life Roseacres Clinic Life Suikerbosrand Clinic Wits Donald Gordon Medical Centre Life Wilgeheuwel Hospital Plus 55 day clinics KwaZulu-Natal Life Chatsmed Garden Hospital Life Entabeni Hospital Midlands Medical Centre Life Westville Hospital Ethekwini...

Blog Posts

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 had medical aid for more than 90 days and are pregnant, a scheme can impose a 12 month waiting period on your pregnancy, meaning that...
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 Commed 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). Commed 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?