by Bongani Molete | May 22, 2026 | Uncategorised
Late Joiner Penalties A late joiner penalty is an extra amount that can be added to your monthly contribution if you join a medical scheme later in life without enough previous medical scheme cover. In South Africa, this generally becomes relevant from age 35, and...
by Bongani Molete | May 22, 2026 | Uncategorised
Waiting Periods/Exclusions A waiting period means you have joined the scheme and you are paying contributions, but certain benefits are not available immediately. Under South African medical scheme rules, a scheme may apply a general waiting period of up to 3 months...
by Bongani Molete | May 22, 2026 | Uncategorised
Annual Contribution Increases Medical scheme contributions usually increase once a year, often at the start of a new benefit year. This is normal in South Africa and is linked to the fact that healthcare costs, hospital costs, and medicine prices do not stay still. No...
by Bongani Molete | May 22, 2026 | Uncategorised
Monthly Contributions Your monthly contribution is the amount you pay every month to stay on your medical scheme. It is the regular cost of keeping your cover active. Whether you use your benefits that month or not, the contribution still needs to be paid, because it...
by Bongani Molete | May 22, 2026 | Uncategorised
Medical Scheme Options A medical scheme option is simply the benefit package you choose within a medical scheme. That sounds straightforward, but this is where things can get confusing very quickly, because not all options work in the same way. One option may give you...
