This is your total lifetime creditable coverage (years you or your dependants were members of any registered SA medical scheme). Cover as a child dependant under 21 does NOT count.
Used for both late-joiner penalty AND waiting-period assessment
How long were you continuously covered in your last scheme before switching?
ANSWER
Late Joiner Penalty
Permanent loading on your risk contributions
0%
Waiting Periods on Switch
General Waiting Period
3 months
Condition-Specific Waiting Period
12 months
⚠️ Coverage Gaps & What This Means
PMB protected
Official Council for Medical Schemes →
Important: This calculator uses the standard rules from the Medical Schemes Act.
Individual schemes (Discovery, Momentum, GEMS, etc.) may have slight variations or amnesty programmes.
Late-joiner penalties follow you forever. Always submit full membership certificates or affidavits when switching. This is not financial advice — speak to bestmedicalaidd.co.za.