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As a central knowledge portal to the retirement and related industries, EBnet publishes a range of daily articles submitted by a range of industry organisations, experts and contributors. Readers can also comment on and contribute to articles.

As financial intermediaries we are often asked why medical scheme cover is so expensive compared to health insurance.  Three main factors influence this:

Underwriting and Open Enrolment

The legislation governing the medical scheme industry states that all registered medical schemes must accept any person who wishes to join the scheme (Open Enrolment) and that the scheme may not discriminate against the person in any way except in terms of income and family size. Therefore, a scheme cannot reject an application. The scheme must accept any person and can impose a general three month waiting period...

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