An adult dependant is either a parent or sibling of the policyholder that is registered on their medical scheme as an adult dependant. Adult dependants are covered under both the Liberty Universal and Essential Gap Cover policies.
What is an adult dependant?
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- I have been diagnosed with stage 2 qualifying cancer* for the first time. The cancer has been surgically removed, no further treatment is required and therefore I do not need to register on my medical scheme’s oncology treatment programme. Do I still qualify for the R30 000 lump sum cancer benefit?
- I have been diagnosed with skin cancer and have reached the medical scheme’s oncology treatment limit. If a 20% co-payment is levied for further treatment, will Liberty Gap cover this copayment?
- Why can we not automatically adjust the policy premium for a member on the single premium rate for under the age of 55, when they get dependants?
- How long does it take to pay a claim?
- What happens if I, as the policyholder, pass away before my spouse?
- My child had a high fever and was vomiting so I rushed him to the hospital emergency unit as it was after hours. Will Liberty Gap cover this and reimburse me for the fees that I had to pay?
- Does Gap cover shortfalls in respect of fees charged by allied health professionals?
- Must details of the medical scheme dependants be provided when taking out cover? And, must the policyholder notify the insurer of any dependants that should be removed from or added to the list of dependants insured under the policy?
- My wife is due to give birth next month and the gyneacologist has advised that we must pay a R4 000 co-payment for the birth. Will my Liberty Gap Cover policy cover this co-payment?
- Does this policy have a surrender value?