Terms & Conditions - Retail Products
- All applications are subject to underwriting and may be declined or accepted with a premium loading.
- Groups meeting certain qualifying criteria may not have any waiting periods imposed although the standard policy exclusions and limitations will still apply.
- Waiting Periods will however apply to members of voluntary groups who do not join at the same time of eligibility of cover.
- Renewals are annual with effect from 1st January of each year regardless of inception date.
- Premiums are payable monthly and are inclusive of VAT.
- The maximum entry age is 60 years for individuals and individuals within groups of less than 20. This is 65 years for individuals within groups of 20 or more.
- Cover is only available to the beneficiaries who are registered on the principal member's medical scheme.
- All premiums are flat rates per family regardless of the number of beneficiaries.
- Children who are full time students can remain on cover until they are 26 years of age.
- Full details of the cover are outlined in the registered master policy document which is available on request.
