Medical Aid Late Joiner Penalty

werfie

Expert Member
Joined
Aug 16, 2010
Messages
2,592
So I am finally in a financial position to get the folks onto a medical aid. They have never had it. So schemes by default apply the late joiner penalty (75%) in my case. Although the law makes provision for this, it is not compulsory, although all schemes I have spoken to apply this without exception.

Anyone aware of any Medical Aid schemes that may be lenient on this?
 

hj2k_x

Honorary Master
Joined
Jan 22, 2006
Messages
31,574
I can only tell you that in my experience, Discovery isn't. My mother is still paying a 50% surcharge.
 

B-1

Expert Member
Joined
Apr 17, 2020
Messages
3,355
Ive only seen them making an exception if you bring a number of people so you have more negotiation power. Maybe you can convince some family members to change provider temporarily or something like that.
 

howardb

Expert Member
Joined
Sep 12, 2003
Messages
3,467
The open scheme's tend to apply the LJP in 99% of cases, unless you're a large group take-on or similar where they may consider waiving.
Very difficult to side-line unfortunately.

If you're on a restricted employer medical scheme, and they allow parent applications, you *may* have a better chance, but not guaranteed...
 
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