Terms & Conditions

Terms and Conditions

The scope and your acceptance of these Terms and Conditions

These Terms and Conditions, only govern the legal relationship between Medway and you related to your use of the Medway application and the services provided by Medway that allow you to store tokens representing your personal information in your device and communicate such tokens to us for the purpose of initiating a payment transaction with these details, and to receive notifications and details of transactions made using your device(s). Other than as set forth above, Medway neither conducts nor has control over any commercial activities in connection with your use of the Medway site, including, without limitation, credit assessment. Medway does not have any control over your bank’s activities. You acknowledge and agree that Medway is not responsible for any of these activities nor for your relationship with any banking authority.

You agree that you will use Medway in accordance with the laws of the country of the Republic of South Africa in which you reside and (if applicable) the country that you are in when using the Medway Sign-Up Service and that you will not use the Medway Sign-Up Service for any illegal or fraudulent purposes, or purposes that are prohibited by the Service Terms and Conditions (defined below) or these Terms and Conditions.

Grant of License and Restrictions

Medway hereby grants you a non-exclusive, non-transferable, limited, personal and revocable right and license to access and use this site, provided that you comply fully with these Terms and Conditions. You acknowledge and agree that some of the functionalities or services offered by Medway may be provided by Medway’s affiliates or subcontractors on behalf of Medway.

Use of the Medway site requires your device to have access to Internet, and requires obtaining updates or upgrades from time to time. Because use of the Medway Sign-Up Service involving hardware, software, Internet access and applicable updates, your ability to use the Medway Sign-Up Service may be affected by the performance of these factors.

You shall not interfere or attempt to interfere with the operation or use of this site in any way through any means or device including, but not limited to, spamming, hacking, and uploading computer viruses or time bombs, or any other means.

You may not reverse-engineer, copy, decompile, disassemble, derive the source code of, modify, adapt, capture, reproduce, publicly display, publicly perform, transfer, sell, license, create derivative works from or based upon, republish, upload, edit, post, transmit, distribute, exploit, circumvent or otherwise translate (or encourage or assist any other person to do any of the foregoing) this service in whole or in part except as such right cannot be restricted by the applicable law of the Republic of South Africa.

If you fail to comply with, or Medway suspects that you have failed to comply with any provisions of these Terms and Conditions, Medway, in its sole discretion and without notice to you, may immediately suspend or terminate your use.

The features of the Medway site may vary based on your location and device, and may change from time to time, for example to make improvements to security, carry out technical updates, develop new functionality or improve the Medway user experience. Medway expressly reserves the right to, in its sole discretion, change, modify, update, add, discontinue, remove, revise, delete or otherwise change any portions of this site at any time.

Disclaimer of Certain Damages

In no event, shall Medway or its agents, employees or sub-contractors, be liable to you for any losses that were not foreseeable by the parties when entering into these Terms and Conditions or for any indirect, incidental, consequential, special, exemplary, punitive damages, lost profits, or any losses that were not caused by any breach on part of Medway or it’s employees, agents or sub-contractors even if Medway or its employees, agents and sub-contractors have been advised of the possibility of such damages. (in all cases, whether in contract, Terms of Conditions, or otherwise.)

Limitation of liability

Claims for direct losses against Medway or its group companies, arising out of or in connection with your use of this site, or any third party application, its content or functionality, including but not limited to damages caused by or related to errors, omissions, interruptions, defects, delay in operation or transmission, network charges an all other direct, indirect, special, incidental, exemplary, or consequential damages even if Medway has been advised of the possibility of such damages. Notwithstanding the forgoing, Medway’s total liability to you for all losses, damages, causes of action, including but not limited to those based on contract or Terms and Conditions.

Governing Law

These Terms and Conditions are governed by South African law and you can bring legal proceedings in respect of the products in the South African courts having jurisdiction. Notwithstanding the forgoing, Medway may apply for injunctive remedies (or and equivalent type of urgent legal relief) in any jurisdiction.

Alternative Dispute Resolution

Medway takes customer complaints very seriously and has comprehensive procedures in place to resolve customer complaints fairly. As such, Medway does not submit to any ADR procedure operated by any ADR provider.

Updates

These Terms and Conditions may be updated by Medway from time to time, for example to reflect changes to Medway features or for regulatory reasons. If you continue to access or use the Medway Sign-Up Service after these Terms and Conditions have been updated, you will be deemed to have read, understood and unconditionally agreed to such changes. If you do not agree to the changes then you must stop using the Medway Sign-Up Service.

When will cover cease on this policy?Trish Lee2023-11-17T09:40:41+02:00

When will cover cease on this policy?

On the death of the principal insured.

When you do not pay your premium for 2 consecutive months.

When will my claim not be processed?Trish Lee2023-11-17T09:40:33+02:00

When will my claim not be processed?

Where your policy is in arrears.

Where you are claiming outside the 12-month period that you have in which to claim and/or the claim was not submitted within 6 months of the incident, and you do not sufficiently justify the lateness of submission.

Where you have not provided all the required documentation.

Where the dependant you are claiming for no longer meets the eligible spouse/dependant definition.

What waiting periods apply to this policy?Trish Lee2023-11-17T09:40:25+02:00

What waiting periods apply to this policy?

6 months waiting period applies to any pre-existing condition/natural death.
A 12-month waiting period applies for suicide
No waiting periods apply to accidental death.

What are the general exclusions of this policy?Trish Lee2023-11-17T09:40:18+02:00

What are the general exclusions of this policy?

While there are no general exclusions that apply to this policy, it’s important to note that a 12-month waiting period is in place for coverage related to suicide.

What are the general conditions of this policy?Trish Lee2023-11-17T09:44:06+02:00

What are the general conditions of this policy?

Cooling-off period of 31 days, from policy inception, is allowed i.e., within this period, you may cancel and get refunded.

Notice to terminate is 31 days.

Premiums are paid monthly in advance.

Any premium received after 40 days of usual strike date, will result in no cover for that month.

No refunds are due in the case of the cancellation of a policy, other than in the cooling-off period.

How long does it take to process my claim?Trish Lee2023-11-17T09:39:57+02:00

How long does it take to process my claim?

A complete funeral claim (this includes a 100% fully completed claim form plus all the required supporting documentation), is processed within 48 working hours.

How do I submit a claim?Trish Lee2023-11-17T09:39:49+02:00

How do I submit a claim?

Contact our Customer Care Centre on 0860 633 929, email customercare@medway.co.za or send us a WhatsApp message.

You will be emailed the appropriate forms along with detailed requirements.

Provided you submit all the correct information, your claim will be processed within the time frames stipulated.

Who may be covered under this policy?Trish Lee2023-11-17T09:39:39+02:00

Who may be covered under this policy?

You, your spouse or life partner and your biological children and legally adopted or fostered children.

Please note there is an age limit of 21 years for cover for children, which may be extended to age 27 where a student is registered at a bona fide tertiary education institution and is still financially dependent on you. The student must be registered as a child dependant on the medical scheme.

Permanently disabled children are not bound by this age restriction.

No grandchildren will be covered unless you are able to prove that they are 100% financially dependent on you and in the absence of their own parents.

How does Bereavement cover work?Trish Lee2023-11-17T09:39:18+02:00

How does Bereavement cover work?

The Bereavement benefit provides comprehensive cover that goes beyond basic funeral expenses, ensuring support for additional funeral-related and ongoing costs during challenging times.

Questions & Answers

Life

How does Bereavement cover work?Trish Lee2023-11-17T09:39:18+02:00

How does Bereavement cover work?

The Bereavement benefit provides comprehensive cover that goes beyond basic funeral expenses, ensuring support for additional funeral-related and ongoing costs during challenging times.

Who may be covered under this policy?Trish Lee2023-11-17T09:39:39+02:00

Who may be covered under this policy?

You, your spouse or life partner and your biological children and legally adopted or fostered children.

Permanently disabled children are not bound by this age restriction.

No grandchildren will be covered unless you are able to prove that they are 100% financially dependent on you and in the absence of their own parents.

How do I submit a claim?Trish Lee2023-11-17T09:39:49+02:00

How do I submit a claim?

Contact our Customer Care Centre on 0860 633 929, email customercare@medway.co.za or send us a WhatsApp message.

You will be emailed the appropriate forms along with detailed requirements.

Provided you submit all the correct information, your claim will be processed within the time frames stipulated.

How long does it take to process my claim?Trish Lee2023-11-17T09:39:57+02:00

How long does it take to process my claim?

A complete funeral claim (this includes a 100% fully completed claim form plus all the required supporting documentation), is processed within 48 working hours.

What are the general conditions of this policy?Trish Lee2023-11-17T09:44:06+02:00

What are the general conditions of this policy?

Cooling-off period of 31 days, from policy inception, is allowed i.e., within this period, you may cancel and get refunded.

Notice to terminate is 31 days.

Premiums are paid monthly in advance.

Any premium received after 40 days of usual strike date, will result in no cover for that month.

No refunds are due in the case of the cancellation of a policy, other than in the cooling-off period.

What are the general exclusions of this policy?Trish Lee2023-11-17T09:40:18+02:00

What are the general exclusions of this policy?

While there are no general exclusions that apply to this policy, it’s important to note that a 12-month waiting period is in place for coverage related to suicide.

What waiting periods apply to this policy?Trish Lee2023-11-17T09:40:25+02:00

What waiting periods apply to this policy?

6 months waiting period applies to any pre-existing condition/natural death.
A 12-month waiting period applies for suicide
No waiting periods apply to accidental death.

When will my claim not be processed?Trish Lee2023-11-17T09:40:33+02:00

When will my claim not be processed?

Where your policy is in arrears.

Where you have not provided all the required documentation.

Where the dependant you are claiming for no longer meets the eligible spouse/dependant definition.

When will cover cease on this policy?Trish Lee2023-11-17T09:40:41+02:00

When will cover cease on this policy?

On the death of the principal insured.

When you do not pay your premium for 2 consecutive months.

Non-Life

How does Gap Cover work?Site Admin2023-11-17T09:26:25+02:00

How does Gap Cover work?

Medical schemes have set limitations, co-payments and medical tariffs that dictate what they will pay for and how much they will pay when a medical scheme member is treated in hospital. This policy aims to cover you for the amounts owed to the specialists and hospitals once the medical scheme has settled the accounts and there are still amounts owing.
But these payments are also subject to limits as per the amount shown, per type of cover.

Some of these payments may also be due at time of hospital admission. These amounts would normally be covered by the principal insured but can be claimed back once the medical scheme statement is available and shows the amount paid by the principal insured.

Will it cover all the shortfalls I have on my medical scheme cover?Site Admin2023-11-17T09:29:42+02:00

Will it cover all the shortfalls I have on my medical scheme cover?

No. It will only cover in-hospital procedures, and certain day admission procedures in day-clinics (as defined), provided none of these are as a result of any of the exceptions listed.

Outpatient procedures are only covered when accompanied by your medical scheme’s authorisation and also included in the “Outpatient Table” which is available under the Gap Benefits.

Cover for all medical scheme shortfalls is limited to a maximum of R198 000 per person per annum.

For the first three years following inception of a contract, there is a limit of R30 000 (per person) in respect of the combined shortfall claims for hip and knee replacements or procedures from the sub-limit and gap benefit.

Who may be covered under this policy?Site Admin2023-11-17T09:26:09+02:00

Who may be covered under this policy?

You, your spouse or life partner and your biological children and legally adopted or fostered children.

Permanently disabled children are not bound by this age restriction.

No grandchildren will be covered unless you are able to prove that they are 100% financially dependent on you and in the absence of their own parents.

How do I submit a claim?Site Admin2023-11-17T09:26:02+02:00

How do I submit a claim?

Contact our Customer Care Centre on 0860 633 929, email customercare@medway.co.za or send us a WhatsApp message.

Based on the information you provide, you will be emailed the appropriate forms along with detailed requirements.

Provided you submit all the correct information, your claim will be processed within the time frames stipulated.

How long does it take to process and pay my claim?Site Admin2023-11-17T09:27:34+02:00

How long does it take to process and pay my claim?

A complete Gap Claim (this includes a 100% fully completed claim form plus all the required supporting documentation), is processed within 10 working days.

What are the general conditions?Site Admin2023-11-17T09:25:46+02:00

What are the general conditions?

Cooling-off period of 31 days, from policy inception, is allowed i.e., within this period, you may cancel and get refunded.

Notice to terminate is 31 days.

Premiums are paid monthly in advance.

Any premium received after 40 days of usual strike date, will result in no cover for that month.

No refunds are due in the case of the cancellation of a policy, other than in the cooling-off period.

What are some of the general exclusions on my policy?Site Admin2022-05-30T10:28:05+02:00

What are some of the general exclusions on my policy?

Any bodily injury or sickness as a consequence of:

War; military action; rebellions and revolutions
Nuclear weapons or nuclear materials
Attempted suicide and self-injury
Drug and alcohol abuse
Active military duty (excluding HECB Cover)
Participation in aviation or motorised speed testing
Routine physical or diagnostic procedures
Anything relating to cosmetic surgery and obesity treatment/surgery
Depression; insanity; mental stress and psychotic disorders
Fraudulent submissions

What waiting periods apply to this policy?Site Admin2022-05-30T10:28:35+02:00

What waiting periods apply to this policy?

There is no general waiting period that applies to this policy. Your benefits are available from day 1 that your policy commences. (However, a general waiting period of 3 months may be applied at the discretion of the underwriter.)

A standard waiting period of 12 months applies to any pre-existing medical condition diagnosed or treated prior to you applying for this policy. (All applicable conditions must be declared on your application form).

Pregnancy is not covered for the first 12 months.

A 6 month waiting period applies for any death by natural cause or pre-existing conditions, whereas a 12 month waiting period applies for death as a result of suicide.

No waiting period applies for accidental death or accident related treatment.

No waiting period applies to the Premium Waiver benefit.

When will my claim not be processed?Site Admin2022-05-30T10:29:05+02:00

When will my claim not be processed?

Where your policy is in arrears.

Where the insurer has investigated and found that the condition relating to the claim was not disclosed at time of application and is considered a nondisclosure, in which case the policy may be cancelled by the insurer.

Where your medical scheme cover has lapsed or is terminated at the time of the incident, and where you are claiming for medical expenses shortfalls.

Where you are claiming outside the 12 month period that you have in which to claim and/or the claim was not submitted within 6 months of the incident and you do not sufficiently justify the lateness of submission.

Where you have not provided all the required documentation.

Where you have provided false information, in which case the policy may be cancelled by the insurer.

Where the dependant you are claiming for no longer meets the eligible spouse/dependant definition.

Where your medical scheme has rejected the claim.

Where you are claiming for a benefit that is only applicable in the case of accidental injury and you did not have an accident.

Where you are claiming for accidental injury and the ICD10 codes are not listed as accident codes.

When will cover cease on this policy?Site Admin2022-05-30T10:29:36+02:00

When will cover cease on this policy?

When you do not pay your premium for 2 consecutive months.

When the principal insured attains the age stated as the cut-off age for the benefit.

In some cases, age limits may be applied to other insured persons too.

On the death of the principal insured.

When you no longer have medical aid cover.

What should I do if I currently have gap cover but I am wanting to switch this policy to Medway?Site Admin2022-05-30T10:30:03+02:00

What should I do if I currently have gap cover but I am wanting to switch this policy to Medway?

Your family rightly deserves the best cover. That’s why we recommend that you Click Here to have a Medway consultant contact you, to ensure that the reason you are changing is because this policy offers you better benefits matching your and/or your family’s medical and financial needs.

If this is the case, you will then need to ensure that you cancel your existing policy and allow for this policy to commence without any overlap (as it is against the law to have duplicate gap cover).