We are crowdsourcing information to determine which schemes overcharge on some late joiner penalties. If you are paying a late joiner penalty to your medical aid, please fill out this form to help us collect as much data as possible.
To read up about out investigation into late joiner penalties, and about the complaints we have laid with Council of Medical Schemes against Bestmed, Commed and Genesis medical schemes, please...
A list of all hospitals that fall under Discovery Health networks
Choosing and buying a medical aid plan is a royal pain in the butt. We know.
We have tried to take the frustrations and expectations of the member, of the broker, of the scheme and of the healthcare provider, and satisfy them in a comprehensive one-stop medical aid info site. That's the Medical Aid Bible.
The old models
In a conventional medical aid model, you either sign up directly with the...
All medicine benefits, compared, for Commed medical scheme 2017
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...
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?