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“Howcome my smoker boyfriends pays less for health insurance than I do?”

Medical aids are no longer allowed to risk rate (i.e. charge a contribution based on an individual’s personal riskiness to the scheme e.g. smoker vs. non-smoker), the contribution for each option needs to cater for the variety of individuals on it.

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Insurance.co.za ExpertInsurance Expert is a professional when it comes to long-term, short-term and medical cover in South Africa. He has the collective knowledge of an insurance litigator and actuary with as many years in the South African insurance industry as Lloyd has in London. Have an insurance conundrum? Ask ourInsurance Expert and he’ll source the answer from one of the specialists in our panel.

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