Penalised twice! This is just not right!

We are trying to add someone who has never previously been able to afford medical aid onto a medical aid scheme. Given that she is over 35, that this is the first time that she will be a medical aid member and that in terms of the act, “A medical scheme may apply premium penalties to a late joiner...” she now faces a situation where just as she is able to join a scheme, she now might not be able to afford the premium because of the 25% penalty.

However, I’m told that if she were joining through a large group scheme (and not as a private member) the chances are good that the penalty would be waived?

How can this be just? It surely is not fair to discriminate against previously disadvantaged employees like this? Are there any decent schemes out there who will waive the late joiner penalty for a (very) healthy new member?

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