Scheme Rules


2018 Scheme rules

These are the rules of the Scheme as registered with the Council for Medical Schemes (CMS). In an event of a dispute, the registered rules will apply.

Table of Contents  
Rules 1 - 7.7.3 
Rules 7.7.4 - 15.7.2   
Rules 15.7.3 - 20.3   
Rules 20.4 - 34.6    
Annexure A   
Annexure B   
Annexure C - Sapphire   
Annexure C - Beryl  
Annexure C - Ruby  
Annexure C - Emerald   
Annexure C - Emerald Value   
Annexure C - Onyx  
Annexure D - Additional chronic disease list  
Annexure E - Exclusions and limitations   
Annexure F - Personal Medical Savings Accounts   
Annexure G - Prescribed minimum benefits  


2019 Scheme rules

These are the rules of the Scheme as registered with the Council for Medical Schemes (CMS). In an event of a dispute, the registered rules will apply. These rules are effective from 1 January 2019.

Annexure B - Contributions and late joiner penalties  
Annexure C - Sapphire   
Annexure C - Beryl  
Annexure C - Ruby  
Annexure C - Emerald   
Annexure C - Emerald Value   
Annexure C - Onyx  
Annexure E - Exclusions and limitations  
Annexure G - Prescribed minimum benefits

 

Archives:

2017 and 2018 scheme rules