Immigration South Africa
Visa South Africa
South Africa Immigration
Permit South Africa

Visas

Intergate Immigration Service has an expert team of immigration consultants and certified Home Affairs practitioners. The team has the latest knowledge on immigration legislation and has well established researched information on expected relocation procedures and changes.

Foreign Exchange

Exchanging money can be a daunting experience. Our well-informed experts can save you avoidable charges. Incompass Financial Solutions will guide you through the exchange process. The experts will advise you on the best solutions, whether it is a lump sum of money or a staggered monthly transaction.

Property

SA Homebuyers has been established with the aim of providing a sophisticated property buyers service. Acting as an independent property consultant, the service provides an unashamed bias towards protecting the buyers interest and assists in securing you the right property, in the right area and at the best price.

Tax

Seeking tax advice is never high up on anyone's shopping list, however the perception that tax advice is a necessary evil is not always correct. Yes it is true that tax advice helps you to comply with legislation and ensures compliance but it can also offer the opportunity to structure your affairs in the most tax advantageous fashion.

Insurance

Whether it is house and home, car insurance, medical aid or commercial cover, Incompass Insurance offers a free and independent assessment on your specific insurance needs. Furthermore, Incompass Insurance is one of the biggest guest house insurance brokers in South Africa.

Banking

Opening up an appropriate bank account in South Africa often proves more difficult than you may think. We are able to provide our clients with advice on local banking, cash accounts for lump sums and Swiss banking.

Click here to start the Free Quick Immigration Eligibility Assessement

  Insurance Information  
South African Medical Insurance
International Medical Insurance
Medical Aid - Cover Levels
Medical Aid - Requirements
Guest House Insurance
Commercial Insurance
All Risk Insurance Cover
Life Insurance Information
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Admission Requirements for Medical Aid South Africa

All medical aid societies have an open door policy, so no medical aid can decline your application.

Therefore, the medical aid societies need to assess the risks they are taking on. To do so, they apply the following risk equalizers during the assessment process.

On admission to membership a scheme may impose:
  1. A 3 month general waiting period
  2. A 12 month condition-specific waiting period, or
  3. A waiting period on certain PMB’s (Prescribed Minimum Benefits)
  4. A Late Joiner’s Penalty –LJP’s

The late joiner’s penalties are applied after the age of 35 as follows:

1-4 years (of break or not being insured): 5% loading on premium
5-14 years: 25% loading on premium
15-24 years: 50% loading on premium
25+ years: 75% loading on premium

Except:
  1. A child born to a member.
  2. Change between benefit options.
  3. Termination of membership due to employment or employer changing schemes.

New Provisions Applicable to Waiting Period

Category 3-Month General W/P 12-Month Condition W/P Application to PMB
New applicants, or person not member for preceding 90 days Yes Yes Yes
Applicants who were members for less than 2 years No Yes No
Applicants who were members for more than 2 years Yes No No
Change of benefits No No N/A
Child-dependant born during period of membership No No N/A
Involuntary transfer due to change of employment or employer changing scheme No No N/A

To contact us for more information about your medical aid requirements please use the below links:

Contact us via e-mail here

Request a call back.

Alternatively please feel free to telephone us on the below numbers:

+27 (0)21 424 2460
+49 (0)40 226 112 9625 (from Germany)
+44 (0)20 710 034 37 (from England)