Issue link: https://www.hub.camaf.co.za/i/1530521
2025 MEMBER GUIDE - NETWORK CHOICE 8 BACK TO CONTENTS PAGE 8 How are my contributions calculated? A fixed amount is payable per month per Principal member and registered dependant/s relevant to your chosen option. Network Choice contributions are based on the principal member's monthly income (as defined in the Scheme Rules): Monthly Income (as defined in the Scheme Rules) Contribution Rate Due Principal member R0 - R23 530 R2 275 R2 275 Adult dependant (1) R1 907 R1 907 Child (2) R1 005 x 1* *Pay for only 1 child on this salary band R1 005 TOTAL MONTHLY CONTRIBUTION R5 187 Why is it necessary to give proof of my income annually? The contributions for this option are based on monthly income and this could change on an annual basis. If this proof is not submitted, the scheme has the right to apply the maximum income category rate. When are contributions payable? They are due monthly in arrears by the 3rd day of each month; debit orders are run on the 1st and the 28th 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. 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.