Excerpt from ~Iafrica Personal Finance#personalfinance.iafrica.com/debtmanagement/716579.html~
Know your rights when it comes to medica
A medical scheme must accept all applicants no matter what their age or health status is. What the scheme can, however, do to protect itself is to subject the membership to penalties and waiting periods.
If a member voluntarily moves between schemes after having enjoyed more than 24 months of unbroken cover, the member can be levied with a waiting period. However, the client will still be entitled to PMB (prescribed minimum benefits) cover in this waiting period.