What does this mean for you and your dependants? Medical schemes and gap-cover service providers require you to provide all medical information about you and your dependants on the application form, says Van Dijl.
It is important when you join a medical scheme or apply for a gap-cover product to disclose all medical conditions you may have had, or for which you or your dependants are receiving medical treatment or advice, says Van Dijl.
What will happen if you do not disclose all medical information on the application form? The medical scheme or gap-cover service provider may end your membership immediately and reverse all claims they’ve paid, says Van Dijl.
The medical scheme or gap-cover service provider may impose waiting periods, she says.