Sometimes when you want to join a medical aid its sounds very complicated, but it’s not.
A medical aid advisor will make an appointment to go out and see you. They will give you three comparisons between three different medical aids according to your financial and benefit needs. It is very important as a potential client to inform your advisor of all treatment and procedures that you or your family members had in the past five years or planned to have in the next year.
The medical advisor will explaine to you by means of a needs analysis what the difference is between a hospital plan and a full medical aid plan. You as the client can provide them with a figure more or less what you can afford and are willing to pay for a medical aid. It is very important for a client to understand what the advisor is explaining to you according to the needs analysis. The advisor will explaine to the client about the 3 months general waiting period, the 12 months specific condition waiting period, PMB cover and if the member is going to qualify for late joine penalities ( ljps ).
When you complete the medical aid application form, the medical aid is going to ask you a few questions for example:
- Personal details ( Initials and surname of main member, full id number, the joining date, residential and postal address ext. ).
- Dependants ( Names and surnames, full id numbers and relationship to the main member ).
- Previous cover ( Names of the medical schemes you and your family were on, membership number, date joined and date resigned from scheme ). The scheme that you are joining will request proof of membership by means of all your previous membership certificates. In some cases its very difficult to obtain a membership certificate – the scheme will allow an affidavit then, certified, stamped and signed by your nearest police commissioner ( station ).
Documentation joining your medical aid application?
- If you choose an income base option, you will have to provide 3 months payslips or 3 months bankstatements, depending on the main member’s income or the person who will be paying for the medical aid.
- Copy of the main member’s id document.
The application will take 5 – 7 working days, some schemes even longer, up to 14 working days to be processed and finalised.
Your application form is going to a medical advisor ( doctor ) at the medical scheme who is responsible for processing and finalising your application.
Should you have any existing conditions the client will receive a letter of acceptance of the conditions with a waiting period, to sign and return to the scheme for processing. As soon as the scheme receives this letter it will be finalised and the member will receive his or her medical aid number and membership certificate.
In some cased there are applicants who hands in a clean application with no conditions and they will receive their member number and membership certificate immediately.
CareLine Group will take the time to assist any new joiners to Medical Aid or current Medical Aid client in looking if waiting periods may apply to you. Contact CareLine Group on 0861 45 00 45 or compete our Contact Us form and we will get back to you.