Are there late joiner penalties for Medical Insurance?

You’re thinking about buying Medical Insurance, but you're wondering if you’ll have to pay late joiner penalty fees.

What is a late joiner penalty?

​​A late joiner penalty is an extra monthly fee that is added to your medical cover premium. Late joiner penalties may be imposed when a person:

• Buys cover after a certain age.
• Has never had medical coverage before.
• Has had a break from cover of more than 90 days.

Late joiner fees can range from 5% to 75% above the standard monthly premium for a policy. The penalty is permanent and will apply for the duration of the membership.

Does Medical Insurance have late joiner penalties?

Unlike Medical Aid, Medical Insurance does not have late joiner penalty fees. This means that you won’t be charged an extra monthly fee, even if it’s your first time getting cover, or if you’ve had a break in coverage. All members, regardless of their age, pay the same monthly fee. 

Get Medical Insurance

At Get Medical Insurance, we don’t discriminate against people who previously couldn’t afford medical cover. We believe all South Africans should have medical coverage. Our affordable monthly fees give you access to private healthcare at an affordable price. 

Our standard Medical Insurance plan gives you various treatments and day-to-day benefits. This plan is affordable for everyone. 

With our standard Medical Insurance plan, you’re covered for: 

• 4 private doctor (GP) visits.
• 4 virtual doctor consultations.
• Nursing and pharmacy-based care.
• Acute Medication.
• Cover for 7 Chronic Medications
• Basic dentistry.
• Immunisation.
• Pathology (8 visits).
• Radiology (8 visits). 
• HIV programme.
• Maternity benefits (Two 2D scans)
• Eye exams, including spectacles and frames.

Our premium Medical Insurance plan gives you extensive cover for personalised treatment and medication. 

With our premium Medical Insurance plan, you’re covered for: 

• Unlimited private doctor visits.
• Unlimited virtual consultations.
• Out-of-Network and after-hours doctor visits.
• Virtual doctor consultations.
• Specialist visits.
• Nurse and wellness clinic visits.
• Cover for various Over-The-Counter (OTC) medicines. 
• Cover for various Acute Medications.
• Cover for 27 types of Chronic Medication.
• Flu vaccines.
• HIV medication and management to support your journey of living with HIV.
• Visits to your dentist and oral hygienist. 
• Cover for eye exams, specs and frames.
• Immunisation.
• Pathology (unlimited visits).
• Radiology (unlimited visits). 
• HIV programme.
• Maternity benefits. Two 2D scans and antenatal visits to a gynaecologist/obstetrician.

*These benefits are subject to limitations.

Medical Insurance from Get Medical Insurance has no late joiner fees. You can buy a Medical Insurance policy no matter your age. Don’t wait around, complete the form below for a free Medical Insurance quote.