Membership on the Anglo Medical Scheme
Can anyone join AMS?
Only current or retired employees of a participating employer can be members of AMS. As a member, you can include your spouse or partner, children and, if approved by special application, a parent, as dependants.
Can restrictions be applied when joining AMS?
Co-payments or waiting periods may be imposed on only those applicants who have never belonged to a medical scheme, or who have not been beneficiaries for the previous 90 days, in which case a late joiner penalty will be applied. AMS will, in certain circumstances, waive a late joiner penalty if an employee joins within the first 30 days of employment.
What is a late joiner penalty?
It is a penalty resulting in additional contributions for members joining a scheme later in life, i.e. an applicant who is 35 years or older, who has never been a member of a medical scheme before 1 April 2001 and who is without a break in coverage exceeding three consecutive months, since 1 April 2001.
When do waiting periods not apply?
Waiting periods do not apply to:
- Prescribed Minimum Benefits, as specified in the Medical Schemes Act.
- A baby born during the period of membership.
- A member joining AMS with no waiting periods applied by another scheme.
- When an individual is forced to change medical scheme as a result of a change in employment.
Am I allowed to belong to more than one medical scheme at the same time?
No, you may not belong to more than one scheme at the same time. It is illegal.
Please refer to the Anglo Medical Scheme Rules for the complete membership and eligibility criteria.