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Waiting periods can prevent you from getting the cover that you need – but they are not always applied. Find out rules here.
Some – but not all! – people who join a medical aid and are 35+ yrs old will pay a Late Joiner Penalty.
There are real things you can do to save money and optimize your plan. Example: some plans don’t charge for all your kids.
There are 4 specific circumstances in which a new member can avoid a waiting period – but it’s not usually in the member’s control.
How PMBs work:
How do medical aids pay claims for PMB conditions? Can they require you to use State facilities? Must they pay for diagnosis tests?
A full list of links to all 270 PMB conditions, as well as the 25 CDL conditions.