Annexure B
    7.1.21
    Annexure B
    p. 42

    Medical Aid - the consumer

      Medical Aid - the consumer should be appropriately covered in relation to his income and family needs.

    NDRC Practice NoteLast reviewed 2026-04

    What this means in practice

    Medical aid premiums are permitted at the actual debited amount where the cover matches household need. A scheme upgrade during the rearrangement is treated as a discretionary increase and pushed back to surplus.

    Where it goes wrong

    Dropping medical cover to free up cash for creditors is rarely accepted. Credit providers know the household will end up with hospital bills they cannot pay, which destabilises the rearrangement.

    Drawn from NDRC's active case work. For your situation, see our debt counselling overview.

    Cite this clause

    National Credit Regulator. (2015). Annexure B — Debt Review Assessment Guidelines, clause 7.1.21: Medical Aid - the consumer. Guideline 001/2015 (Debt Review Task Team Agreements 2010), p. 42.

    Related clauses

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    Annexure B
    Required Expenses
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    Rental, where no bond
    7.1.2
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    Debt Counsellors could ask the following questions
    7.1.3
    Annexure B
    Groceries (food, toiletries, cleaning materials) - groceries
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    Based on NCR Guideline 001/2015, p. 42. For NDRC's interpretation and application, see our debt counselling overview. Download original PDF.