Home > Medical schemes > General info Updated 13 November 2013 20 quick facts on medical schemes in SA Many medical scheme members are baffled by scheme rules and regulations. Here are 20 quick facts on medical schemes in South Africa which might answer some of your questions. 2 (File) ~ Shutterstock Related Cut medical scheme costs What your medical scheme will cost you in 2014 Is medical insurance enough? Like us on Facebook » Subscribe to the newsletter » Ask CyberDoc » Quiz How long will you live? » Medical history Bacteria gallery Many medical scheme members are baffled by scheme rules and regulations. And by constant changes to benefits and contributions.Here are 20 quick facts on medical schemes in South Africa which might answer some of your questions:A person may not legally belong to more than one medical scheme.You do not need to apply for medical scheme membership through a broker: you can apply directly to the scheme.A minor may become a medical scheme member with the assistance of a parent or guardian, and provided the contributions are paid.If you have terminated your membership of a medical scheme, you will be covered until midnight of the last day of the month in which you paid your final membership contribution.Employers do not have to subsidise an employee’s contributions to a medical scheme.Medical schemes are not allowed to pay out no-claim bonuses or rebates.If a medical scheme principal member dies, his/her dependants may continue to be members provided the contributions are paid.An employer may insist that a permanent employee belongs to a medical scheme as a condition of employment.Medical schemes may not refuse membership to an applicant, but they may charge late-joiner penalties or waiting periods before claims can be made for specific conditions.Claims must be submitted within four months of the treatment date, otherwise they will not be paid out.If you have money in your savings account, you may not withdraw it in cash. It can only be paid out when you terminate your membership.Claims should be paid out within 30 days of receipt of the claim.Medical schemes are non-profit organisations.Medical schemes have to hold surplus or accumulated funds equal to 25% of the total annual contributions by members.Medical insurance products are not governed by the rules of the Medical Schemes Act.A scheme may terminate someone’s membership if contributions are not paid, or if the member has withheld crucial medical information on their application forms, or if they have submitted fraudulent claims.Schemes may expect members to use Designated Service Providers (DSPs). These could include doctors, specialists and hospitals.At least half of the Board of Trustees of a medical scheme must be elected or appointed from the ranks of members.(Source: the Council for Medical Schemes) Compiled by Susan Erasmus NEXT ON HEALTH24X The value of digital technology in addressing quality care 2017-05-17 04:48 More: Medical schemesGeneral info advertisement Read Health24’s Comments Policy Comment on this story 2 comments Comments have been closed for this article. Logout Comment 0 characters remaining Share on Facebook Loading comments... Other news Lifestyle This leg-sculpting workout will make you want to wear shorts Lifestyle 6 ‘healthy’ foods you should cut back on if you want to lose weight Medical Should you get injected for hay fever? Lifestyle Here’s exactly how often you should wash your hair Lifestyle 4 mistakes you’re making that are causing you to gain weight Medical Why does anaemia make you feel tired and what can you do about it? From our sponsors Dementia and Incontinence: what you need to know Tell-tale signs you need a mattress upgrade Keen to win a R2 000 voucher? Good health begins in your gastrointestinal tract Live healthier Quit smoking » How to beat triggers that make you crave a cigarette You need to learn how to beat the behavioural, environmental and emotional triggers if you want to succeed in quitting smoking. Hygiene » Your showerhead may be bathing you in germs You probably think showering will wash away dirt and germs, but your showerhead might dump nasty bacteria on you instead that may cause lung infections.