When I sign the application form, what am I committing myself to?
By signing the application form, you are agreeing that the information you have given on the form is true, accurate, and complete. You are also agreeing to the policy rules.
Can I change my mind after I have joined?
Yes, if you are not entirely satisfied with the terms of your policy and the extent of the benefits provided, you may cancel your cover. You will have 14 days after we confirm your cover to you or 14 days after the start date of your policy, whichever is later, to review your policy documents.
If during this period you decide to change your mind, you will receive a full refund of any premiums you have paid, providing that you have not already made a claim.
What broad classes of cover are available?
The classes of coverage available are Individual and Group. You will have group coverage if you enroll as a member of an organization or company with at least 10 principal insured persons.
You will have individual coverage if you enroll as a person or as a single family.
What is the difference between Individual and Group covers?
First, an individual cover is not entitled to a waiver of pre-enrollment medical examination. Secondly, the benefits of chronic medication and HIV management are not covered under individual plans at the quoted premium. An additional premium might be required.
Will my pre-existing conditions be covered?
Under group plans, pre-existing conditions are covered as long as they are not listed as exclusions.
However for individual plans, we will cover any eligible medical condition that occur after you join but symptoms, disease or injuries that you have suffered from in the past will be taken into consideration and will be either excluded from the cover or charged an additional premium. Please note that a pregnancy that is existing prior to joining up is considered within this category.
It is important that you advise us on the application form as fully as possible of the medical history of everyone to be included on your policy.
Can I go to any hospital I prefer?
In the city where you reside, you can only use the hospital you selected on your application form. In an emergency, use the nearest hospital.
When you are away from your town/city of residence for any period under 3 months, you can use any facility where you are that is participating in the Venus Medicare Provider Network. Where there is no Venus Medicare Provider, please contact us.
If you will be away from your usual location for more than 3 months please contact Venus Medicare office for a possible change of Primary Care Provider.
Can I choose more than one hospital?
No, you cannot choose more than one hospital for yourself. For effective and qualitative management of your medical records, you need to be registered with one hospital at a time.
However, if you are the principal subscriber, you can choose a different hospital for your dependants. Note that they will be expected to stick to the hospital you have chosen for them.
Can I change my Primary Care Provider after joining?
Yes but you will need to have spent at least 3 months with the provider to be eligible to change.
You may be required to furnish reasons for change. Where the decision is due to dissatisfaction, a formal complaint would have been lodged with Venus Medicare at least one month prior to the application for change.
The change if approved will take effect from the 1st day of the month succeeding the month of application.