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Scheme Rules

2018 Scheme rules

These are the rules of the Scheme as registered with the Council for Medical Schemes (CMS). In an event of a dispute, the registered rules will apply.

Table of Contents  

Main Body Scheme Rules
Annexure A   
Annexure B   
Annexure C - Sapphire   
Annexure C - Beryl  
Annexure C - Ruby  
Annexure C - Emerald   
Annexure C - Emerald Value   
Annexure C - Onyx  
Annexure D - Additional chronic disease list  
Annexure E - Exclusions and limitations   
Annexure F - Personal Medical Savings Accounts   
Annexure G - Prescribed minimum benefits