Late joiner definition

Late joiner means an applicant or the adult dependant of an applicant who, at the date of application for membership of admission as a Dependant, as the case may be, is 35 years of age or older, but excludes any Beneficiary who enjoyed creditable coverage with one or more medical schemes as from a date preceding 1 April 2001, without a break in coverage exceeding three consecutive months since 1 April 2001.

Late joiner means a person who applies for cover after the Commencement Date of this policy.

Late joiner means an applicant or the adult dependant of an applicant who, at the date of application for membership, is 35 years of age or older and has not been a member or a dependant of a member of any medical scheme for a period of two years immediately prior to applying for membership;

Examples of Late joiner in a sentence

• Late joiner penalties If a special dependant (for instance the member’s mother or father) who is older than 35, joins the membership, late joiner contribution penalties may be imposed as per the Medical Schemes Act and the membership rules noted in this guide.

• The scheme should complete the number of beneficiaries, per age band (new beneficiaries that entered the medical schemes environment as well as new beneficiaries transferred from other medical schemes) to whom the following were imposed:• General waiting periods• Pre-existing condition exclusions• Late joiner penalties Important to note that the age of the beneficiary should be calculated as at 1 January of the financial year concerned.

• Late joiner penalties may be applied – please provide proof of membership to previous medical schemes if you want to avoid these penalties.

• Moreover, distinct gender differences are seen to be present in the perpetration of mutual violence within the ‘situational couple violence’ typology (Prospero, Xxxxxx & Ofori-Dua, 2009).

• Late joiner means an eligible person who does not apply for cover within the policy rules and timelines.

• Late joiner penalties create a barrier to entry to medical schemes.

• Late joiner penalties and waiting periods in their current format are not sufficient to prevent anti- selection.

• Late joiner penalties are required in instances where membership of health insurance isvoluntary rather than mandatory.

• They had asked me the same question earlier, do I still have them and I said I’m not sure; but my counsel did advise me not to destroy it, so it’s not destroyed.

• Applicants who were members of a Medical Scheme or Medical Insurance for more than 2 years:• A 3 month general waiting period Late joiner penalties These penalties can range from an additional 5% of contributions per month to 75% depending on the period without medical scheme membership as well as age of member.

More Definitions of Late joiner

Late joiner means an eligible person who does not apply for cover within the policy rules and timelines.