Tag: late joiner penalty
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.
What are “Waiting periods”?
Waiting periods are imposed by the medical aid scheme on new members, based on their medical history. The waiting periods can also be applied to Prescribed Minimum Benefits (PMBs).
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...
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?