10. Terms and conditions applicable to TFG Medical Aid Scheme ("TFGMAS")
1. Who “we” are
TFGMAS,registrationno1578,registeredwiththeCouncilforMedicalSchemes.DiscoveryHealth(Pty)Ltd,registrationnumber
1997/013480/07,theadministratorandmanagedcareorganisationforTFGMAS,andanauthorisedfinancialservicesprovider.
2. Scheme rules for membership
TherulesofTFGMASrecordyourrightsandresponsibilitiesforyourmembershipofTFGMAS.Theymaychangefromtimetotime.Youmay
askusforacopyatanytime.Whenyousignthisapplication,youconfirmthatyouhavereadandunderstoodthetermsandconditionsand
youagreethatyouandthoseyouapplyforwillbeboundbytheseandschemerules.
3. Who you are applying for
YoumayapplytojoinTFGMASonyourownortogetherwithotherpeople–yourspouse,yourpartnerandpeoplewhoarefinancially
dependentonyouasdefinedintheTFGMASrules.Foranyonetobetreatedasfinanciallydependentforthisapplication,youmusthavea
legalresponsibilitytoprovidefinanciallyforthatdependant.Wemightaskyoutogiveusproofoffinancialorlegalresponsibility.You
maybecalledtheprincipalmemberormainmemberinourfuturecommunicationstoyou.
4. Acting for others
You confirm you have the right to act for others
Bysigningthisdocument,youconfirmthat:
youhavetherighttoapplyformembershipandtoactforthoseyouapplyforinanymatterrelatingtothisapplication;
youhavereceivedpermissionfromyourspouseandanydependant/sover18toactfortheminanymatterrelatingtothisapplication.
5. Giving and getting information
You must give true, correct and complete information
Toconsideryourapplicationformembership,TFGMASmustlearnmoreaboutyouandthoseyouapplyfor.Informationaboutyouandthose
youapplyformustbetrue,correctandcomplete.Thisincludesthedetailsyougiveinthisapplicationformandinfuturedealings
withus.Itisimportantthatyoutellusaboutanymedicalcondition,symptomorillnessrelatingtoyouorthoseyouapplyfor,evenifyou
donotconsideritrelevanttoyourapplication.Wemayaskthoseyouapplyforwhoare18andolderformoreinformationaboutthemselves.
Your legal address
Wewillsenddocumentstoyouattheaddressyouindicatedasthecommunicationchannelyouprefertobecontactedon.Ifitis
necessarytosendyouanylegalnoticesorsummonses,ourlegalteamwillservetheseatthephysicaladdressyouhavegiven,oratanyother
addressyouhavegivenus.Itisyourresponsibilitytomakesurewehavethecorrectaddressforyou.
TFGMAS and Discovery Health (Pty) Ltd may record telephone calls
Wemayrecordtelephoneconversationswithyouandwiththoseyouapplyfor.Therecordingsandallinformationwegetduringthe
recordingswillbeprocessedandkeptasrequiredbylaw.
TFGMAS and Discovery Health (Pty) Ltd may get information about you from other relevant sources
Toconsideryourapplicationformembership,conductunderwritingtoconsideraclaimformedicalexpenses,youagreethatwecanget
informationaboutyouandthoseyouapplyforfromotherrelevantsources.TheseincludeanyentitythatispartofDiscoveryLimited,medical
practitioners,creditbureausorindustryregulatorybodies.Wemay(atanytimeandonanongoingbasis)verifywiththepartiesmentionedin
thissectionthattheinformationyougiveonthisapplicationandinrespectofanymatterpertainingtoorthataroseduringyourmembershipof
TFGMAS,istrue,correctandcomplete.Yougiveyourpermissionthatwemaygetanyinformationthatisrelevanttoyourapplicationfromyour
employer.
Tell TFGMAS or Discovery Health (Pty) Ltd immediately if your information changes
Youoryouremployermusttellusinwritingifanyoftheinformationyougave,inyourapplicationformembership,changesbetweenthedayyou
signthisdocumentandthedayyourmembershipstarts.Thisincludesinformationaboutyourhealthandthehealthofthoseyouapplyfor.We
needadvancenoticeofanyadministrativechangessuchascancellationofmembership,asbackdatedchangesmaynotbe
accepted.
When TFGMAS may cancel your membership/s
TFGMASmaycancelanymembershipsimmediately,ifyouandthoseyouapplyfor:
donotgiveusinformationthatlaterturnsouttoberelevanttothisapplication;
giveusanyinformationthatisnottrue,correctandcomplete;
donottellusaboutanyrelevantchanges(includingaboutyourhealthandthehealthofthoseyouapplyfor)betweenthedayyousignthis
documentandthedaycoverstarts.
6. About becoming a member
TFGMAS might not pay for certain expenses immediately after you become a member
TFGMASmayhavewaitingperiodsthatapplyincertaincircumstances.ThismeanstheremaybeasettimeperiodbeforetheTFGMASstarts
payingclaimsforanygeneralorspecificmedicalconditions.Pleasespeaktoustofindoutifwaitingperiodsapplytoyourmembershipandthe
membershipsofthoseyouapplyfor.
Resign from current medical schemes when accepted
Itisillegaltobeamemberofmorethanonemedicalschemeatthesametime.Youandthoseyouapplyformustresignfromyourcurrent
medicalschemeswhenyoureceivenoticefromTFGMASbyletter,emailorSMStellingyouthatyouandthoseyouapplyforhavebeen
accepted.
You must ensure contributions are paid on time
AsthemainmemberofTFGMAS,youareresponsibleforensuringthatyourcontributionsandthecontributionsofthoseyouapplyforare
paidontimeeverymonthtoavoidsuspensionofbenefits.TFGMAShastherighttoamendmonthlycontributionsandbenefitsfromtime
totime.Ifyoupayyourowncontributions,youwillbeabletoidentifythedebitorderforyourmonthlycontributionsonyourbankstatement,the
referencenumberTFGCONTwillbeused.