It's proper scary.
I think they have to cover certain emergencies. But I shudder at the thought of having to have this fight with emergency department admin staff at night when the medical aid offices are closed.
There are some specific exceptions to the waiting periods - things like changing...
https://mybroadband.co.za/news/banking/650856-fnb-announces-ebucks-changes.html
Koodoo (already live) and Golfers Club will be added as eBucks partner shops