Issue link: https://www.hub.camaf.co.za/i/1530519
2025 MEMBER GUIDE - ESSENTIAL PLUS & ESSENTIAL NETWORK 7 When are contributions payable? They are due monthly in arrears by the 3 rd day of each month; debit orders are run on the 1st and the 28 th of each month. What happens if I fall into arrears with payment of my contributions? Where contributions have not been paid within 15 days of the due date, the scheme has the right to suspend membership and benefits for the period after the due date. You will be notified of the default and if not paid within a further 15 days, membership may be terminated. No benefits can be paid or authorisation for admission to hospital will be given. When does my child need to pay adult contribution rates? After the age of 21 adult rates apply from the beginning of the year in which the child turns 22. What is a late joiner penalty and when can it be applied? In terms of the Medical Schemes Act, schemes may impose a penalty on members applying for membership after the age of 35 years, where they have not been a member of a registered scheme for a period of two years or more. There is a sliding scale percentage rate (from 5 - 75%) that is added to the monthly contribution applicable to the beneficiary, which remains in place permanently. CAMAF does not impose any late joiner penalties on members that qualify for membership. How are my contributions calculated? A fixed amount is payable per month per Principal member and any registered adult or child dependant/s. Contributions for these options are based on the principal member's monthly income (as defined in the Scheme Rules). Example of the ESSENTIAL PLUS monthly contribution: Monthly Income (as defined in the Scheme Rules) Contribution Rate Due Principal member 0 - R143 080 R2 785 R2 785 Adult dependant (1) R2 200 R2 200 Child (1) R1 300 R1 300 Savings - Principal R700 R700 Savings - Adult R560 R560 Savings - Child R330 R330 TOTAL MONTHLY CONTRIBUTION R7 875 Example of the ESSENTIAL NETWORK monthly contribution: Monthly Income (as defined in the Scheme Rules) Contribution Rate Due Principal member 0 - R143 080 R2 490 R2 490 Adult dependant (1) R1 970 R1 970 Child (1) R1 155 R1 155 Savings - Principal R630 R630 Savings - Adult R500 R500 Savings - Child R300 R300 TOTAL MONTHLY CONTRIBUTION R7 045 BACK TO CONTENTS PAGE 7