Joining

About Joining

Our Scheme is open to PG Group employees and their families only.

Membership of the PG Group Medical Scheme is compulsory unless you are covered by your spouse's medical scheme and do not wish to change your medical scheme membership.

We do not apply waiting periods, exclusions and late joiner penalties to new employees, provided that they join the Scheme within the first month of commencing employment with the PG Group. This will also apply to their immediate family.

The Medical Scheme year

Benefit limits are usually allocated in calendar year cycles (from 1 January to 31 December) after which they reset for the following year. Most benefits follow a one-year cycle.

When a new member joins, some of the benefits limits will be adjusted prorated.

Who can be Dependants?


How to Join

Upon joining the Scheme, you need to provide us with all the information regarding any treatment, care and diagnosis you or your dependants received in the 12 months preceding the application.

  • 1
    Your employer should provide you with an application for membership form; if not, you can download it here:
  • 2
    Print out and complete the form
  • 3
    checkProvide the copies of ID's for your dependants as stated above
  • 4
    peopleReturn the form to your HR Department

General Waiting Periods

Prior to joining, if the applicant and their nominated dependants were not previously covered by a registered medical scheme, general waiting periods may be enforced up to three months where claims will not be accepted.

Geneal waiting periods are not applied to new employees, provided that they join the Scheme within the first month of commencing employment with the PG Group. This will also apply to their immediate family. Should you marry or have a baby after joining, you need to register your dependant within 30 days of the event or alternatively underwriting will be applied to your new dependant.


Condition-Specific Waiting Periods

For pre-existing conditions, waiting periods may be enforced up to 12 months, depending on policy underwriting. During this period you are not allowed to claim for treatment for these conditions.

Condition-specific waiting periods are not applied to new employees, provided that they join the Scheme within the first month of commencing employment with the PG Group. This will also apply to their immediate family. Should you marry or have a baby after joining, you need to register your dependant within 30 days of the event or alternatively underwriting will be applied to your new dependant.


Late-Joiner Penalties

If a member or dependant joins a medical scheme and they are over the age of 35 with gaps in their medical scheme coverage history, the Scheme can legally increase their contributions.

Late-joiner penalties are not applied to new employees, provided that they join the Scheme within the first month of commencing employment with the PG Group. This will also apply to their immediate family. Should you marry or have a baby after joining, you need to register your dependant within 30 days of the event or alternatively underwriting will be applied to your new dependant.

It is important that you obtain proof of membership of all previous medical schemes in order to reduce the late-joiner penalties, failing which, the late-joiner penalties will be charged until you are able to supply the required proof of previous medical scheme cover.

warning Please note that any late-joiner penalties applied will not be refunded, even if proof is obtained at a later stage.

$ Calculate contributions with late-joiner penalties