Scheme rules

Table of Contents: 

Pages: 1-3

Definitions:

Pages: 4-15

Eligibility for membership, Registration as a beneficiary, Terms and Conditions, Waiting Periods:

Pages: 16-23

Transfer of employer group from another scheme, Membership card and certificate of membership, Domicilium citandi et executandi member, Suspension and termination of membership, Contributions, Liabilities of member and employer,  Claims procedure:

Pages: 24-31

Benefits, Payment of accounts, Ex Gratia payments, Governance,  Election of member-elected trustees, Counting of votes:

Pages: 32-45

Fit and proper persons, Duties of Board of Trustees, Powers of Board, Duties of Prinicpal Officer and other Trustees, Idemnification, Financial year of the Scheme, Bank Account, Auditor and Audit Committee:

Pages: 46-54

General Meetings, Voting at meetings, Complaints and disputes, Dissolution, Amalgamation and transfer of business, Right to obtain documents and inspection of documents, Amendment of Rules:

Pages: 55-64

Participating Employers:

Annexure A

Contributions and Late Joiner Penalties:

Annexure B

Annexure C (Benefits):

Annexure C - Sapphire

Annexure C - Beryl

Annexure C - Ruby

Annexure C - Emerald

Annexure C - Onyx

Additional Chronic Disease List:

Annexure D

Exclusions and Limitations:

Annexure E

Personal Medical Savings Account (Ruby):

Annexure F

Prescribed Minimum Benefits (PMBs):

Annexure G