Issue link: https://www.hub.camaf.co.za/i/1541116
2026 7 How are my contributions calculated? A fixed amount is payable per month per Principal member and registered dependant/s relevant to your chosen option. 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 R0 - R150 230 R3 055 R3 055 Adult dependant (1) R2 410 R2 410 Child (1) R1 430 R1 430 Savings - Principal R730 R730 Savings - Adult R585 R585 Savings - Child R340 R340 TOTAL MONTHLY CONTRIBUTION R8 550 Example of the ESSENTIAL NETWORK monthly contribution: Monthly Income (as defined in the Scheme Rules) Contribution Rate Due Principal member R0 - R150 230 R2 730 R2 730 Adult dependant (1) R2 160 R2 160 Child (1) R1 265 R1 265 Savings - Principal R655 R655 Savings - Adult R520 R520 Savings - Child R315 R315 TOTAL MONTHLY CONTRIBUTION R7 645 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.