Medical aid brokers pull in

  • Thread starter Thread starter Former member 61586
  • Start date Start date
F

Former member 61586

Guest
Acquaintance wants to put his himself and his family on medical aid. Don't think they have had medical aid before. He is self employed thus could not afford it previously. Now things are looking up and he wants to do the right thing and get his family covered. 2 adults (late 30s early 40s). 2 children (between 5 and 10 years old). Hospital cover. Little bit of day to day. Hospital cover being the priority.

Budget is about R5k. Who can help point me in the right direction?
 
Last edited by a moderator:
i just downgraded with discovery

2 adults and 2 kids

Your previous health plan CLASSIC DELTA SAVER
Your new health plan CLASSIC SMART PLAN
New monthly medical contribution R 4261.00
Click to expand...

from the benefits it has good hospital cover. Co-payment of R50 for doc visits
 
Fedhealth is currently not giving waiting periods except for pregnancy to certain brokers in the industry
 
Surely they will have to pay a late joiner penalty? How can that be avoided? They haven't contributed to the pool for one or two decades?
 
LazyLion said:
Surely they will have to pay a late joiner penalty? How can that be avoided? They haven't contributed to the pool for one or two decades?
Click to expand...

Maybe its a promotion to try and grow the pool. The pool is getting smaller and smaller as more people cannot afford medical aid.
 
I.am.Sam said:
i just downgraded with discovery

2 adults and 2 kids



from the benefits it has good hospital cover. Co-payment of R50 for doc visits
Click to expand...

OP's friend... 1 is over 40, they will add penalties for the years not on medical aid...
 
LazyLion said:
Surely they will have to pay a late joiner penalty? How can that be avoided? They haven't contributed to the pool for one or two decades?
Click to expand...

LJP will have to be paid, there is no waiting period at the moment ( 3 months general and 12 months conditions specific except for pregnancy, offer is open to a limited few broker houses.)

LJP - very important to provide all your previous cover that you had over the age of 21 it will help reduce or eliminate it.
 
Venomous said:
OP's friend... 1 is over 40, they will add penalties for the years not on medical aid...
Click to expand...

If they can provide proof of cover after the age of 21 - the person needs to prove 6 years cover to eliminate the LJP.
 
ambroseg1 said:
Maybe its a promotion to try and grow the pool. The pool is getting smaller and smaller as more people cannot afford medical aid.
Click to expand...

That's correct a lot of schemes do this from time to time.
 
Nithan15 said:
If they can provide proof of cover after the age of 21 - the person needs to prove 6 years cover to eliminate the LJP.
Click to expand...
Hmm.

I know someone who joined at around 43 years. Gent is a client of mine.

He was on a medical aid when he started working. For round 7 years. Then off for 2 years. Then on for 6.5years. Then off for a decade(this I know as fact, other years could be off as I'm typing from memory). Then joined again. And all the medical aids wanted to hit him hard with penalties.
 
Venomous said:
No. It an it.


Sir/madam are not good discribing words for that....
Click to expand...

Now you've lost me. Is I.Am.Sam like a transgender person? If so, my humblest apologies again. I am not too clued up with the correct PC terms of addressing all the different types of human beings.
 
ambroseg1 said:
Now you've lost me. Is I.Am.Sam like a transgender person? If so, my humblest apologies again. I am not too clued up with the correct PC terms of addressing all the different types of human beings.
Click to expand...
It is not to be considered human.....
 
You must log in or register to reply here.
Back
Top
Sign up to the MyBroadband newsletter
X