
Medical Aid: What you need to know
The most essential things you need to know if you are considering joining a medical aid scheme, including Late Joiner Penalties and Waiting Periods
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What does “From Risk” mean?
The scheme will pay for this claim from its own funds, not from your savings or other day-to-day benefits.
What is a DSP?
A Designated Service Provider. The scheme has a network of providers, and will often only pay claims in full if you use a DSP. If you choose another provider, you might have a co-payment, or even no cover.
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The most essential things you need to know if you are considering joining a medical aid scheme, including Late Joiner Penalties and Waiting Periods

No, you cannot. You have access to any open medical aid scheme, no matter how old or sick you are.

This is essential reading! Inside is a helpful introduction to PMBs, and what they mean for you as a medical aid member. Includes links to all PMB conditions and treatments. This will save you money.

Medical aid and PMBs? DSPs? PPNs? We decipher the medical aid jargon into plain(er) English :-).