Abstract:
South African medical schemes (health insurance or
medical aid) companies offer insurance to the general
public in the form of a multitude of different schemes.
Each scheme has its own unique range of benefits, but
certain exclusions apply across the board in respect of all
schemes operated by a medical aid. In this research
report, I investigate the rationale and necessity, as well
as some of the ethical and legal implications of numerous
notable exclusions. I further make relevant
recommendations with respect to their application within
the legal and ethical framework of the South Africa’s
Consumer Protection Act, No. 68 of 2010.
