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 Fund can legally increase their contributions.

Late-joiner penalties are not applied to new employees, provided that they join the Fund within the first month of commencing employment with Woolworths or Truworths.

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