Medical Aid

At Tokkie Ferreira Brokers, we provide a comprehensive range of medical aid solutions designed to meet the diverse healthcare needs of our clients. Our offerings include a variety of medical aid plans that cater to different budgets and health requirements, ensuring that you receive the best possible care when you need it most. We work closely with leading medical aid providers to offer plans that include hospitalisation, outpatient services, chronic illness management, and preventative care. Our dedicated team is committed to guiding you through the selection process, helping you understand the benefits of each plan and assisting with enrolment. With Tokkie Ferreira Brokers, you can rest assured that you and your family are protected with quality medical coverage tailored to your unique needs.

1Is membership of a medical scheme available to anyone?

Yes the open enrolment principle means that any person can join any medical scheme of their choice. The only exception is restricted medical schemes where you can only join if you meet the eligibility criteria.

2Can I belong to more than one medical scheme at the same time?

No. It is illegal. Section 28(a) of the Medical Schemes Act prohibits this. Members must ensure that their membership on a former medical scheme is duly cancelled before undertaking membership with a new medical.

3What does a waiting period mean?

A period during which contributions are payable without the member being entitled to benefits.

4What are the types of waiting periods?

There are two kinds of waiting periods:

General waiting period of up to three months.
Condition-specific waiting period of up to 12 months.

5What is a late joiner?

A late joiner is an applicant who is 35 years or older when joining the scheme for the first time or an applicant who has had a break in coverage of more than 3 consecutive months from 1 April 2001 at the time of applying for membership.

6What restrictions may a Medical Aid impose?

Late joiner penalty
Waiting periods

7Can a medical scheme impose a condition-specific waiting period on pregnancy?

The scheme may place a condition specific waiting period on any pre-existing condition, including pregnancy, if the applicant has belonged to a previous medical scheme(s) for a period up to 24 months. If the member has belonged to a previous medical scheme(s) for a period longer than 24 months only a 3-month general waiting period may be imposed. Childbirth is a PMB condition, and this health event may not be subject to the waiting periods mentioned above.

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