The best time to join a medical aid is IMMEDIATELY. Ideally a person will belong to a medical aid from childhood and continue through to adulthood but this is not always possible. The moment you become economically active by the way of a job or your own business, you should sign up for medical aid. The best time is when you are young and do not need cover. Waiting to fall ill or sign up for medical aid once you need it is risky and can work against you.

Medical schemes have various penalties, exclusions and waiting periods in place to ensure that new members to a medical aid do not only sign up to claim without having contributed to the pool over time. But if you signed up for cover at least a year before you need to claim, then you can rest assured of full medical aid benefits as per the plan you chose.

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