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As you know, medical aid schemes, as with insurance companies, deal with risk management that is somewhat based on a “good faith” principle. This means that risk is accepted based on the risk factors declared by the applicant. It is imperative that applicants complete the membership application form as extensively as possible.

They must disclose all information relating to medical treatments, care and/or advice recommended and/or received. This includes healthcare consultations, hospital admissions, chronic medication, and home/self-care for the last 12 months prior to application.

Please encourage applicants to provide as much information as possible. It is better that we have more information than is needed, than to have less.