The Board of Trustees reserves the right to impose exclusions or restrictive conditions on pre-existing medical conditions as from the date of joining the Fund and for a period not exceeding 12 months as part of its underwriting criteria. The Fund will not impose exclusions on pre-existing conditions in the event of employees joining the Medical Aid Fund within 3 months after having resigned from a previous medical aid fund. New members wishing to join as private members may be accepted onto the Fund or declined from becoming a member of the Fund based on the results of the underwriting criteria.
In the event of a member with a pre-existing medical condition applying for membership with the Fund, the Rules of the Fund provide that exclusions may be imposed subject to the following conditions:
Exclusions on pre-existing conditions expire after a 12 month period. It is the members’ responsibility to inform the Fund if the exclusion did not lift automatically. Click on the link below to download the complete User Guide which contains the rules of the fund and a detailed explanation of all exclusions.
Any injuries suffered as a result of recklessness or intentional self-injury while participating in lifestyle or sports activities of choice will be excluded. Injuries resulting from attempted suicide are also excluded.