Who can join?

Anyone can join the fund:

  • Group (10 or more members)
  • Individuals (Direct Paying Members)
  • Swaziland Building Society Sipatji Account holders
  • Government employees (deducted from Treasury Account)
  • Students
  • Aged Parents of active members (no age restrictions)


You may not be a member or dependant of more than one medical scheme at a time. You may not join the fund if your age is above 60, unless in case of a parent of an active member.

How do I join?

Complete the membership application form and send it to Swazimed.

On the membership form you must register your dependants and attach marriage/birth certificates, member’s ID and proof of banking details. You will receive a membership to Swazimed.

The following information is printed on the membership card;

  • your membership number
  • principal members details
  • the names and surnames of your registered dependants
  • the date from which you are entitled to receive benefits
  • the address of the fund

Please look after your medical aid card. Do not lend it to anyone other than your registered dependants. Fraudulent use of membership cards may lead to suspension or termination of your membership.

You must let the fund know on a special form if:

  • you change your address
  • you get married or divorced
  • you have a child or adopt one
  • the child is not dependant on you anymore (for example, if your child stops studying and starts working)

What happens if I join during the year?

Your benefits will be pro-rated. For example, should you join the fund in July you will only be entitled to 50% of the allocated benefit value.

Do I have to wait before I can claim benefits?

Yes, you can only claim for the second month after you have joined the fund. For individuals and companies with less than ten members, the waiting period is three months .For aged parents the waiting period is three months .The financial year for benefits begins on 1 January each year.

Who can I register as dependants?

Your spouse or any other immediate family members for whom the members is liable for family care and support.

Special conditions

You can apply for your children to stay on the fund when they are over 21 in special situations:

Children who are studying can stay on the fund until they are 27.You must show proof that they are studying full-time.

Children who are disabled or mentally handicapped can also stay on the fund.

The Board of Trustees will decide on all special applications.

Other special dependants will have six months waiting period at a monthly premium E622 for all options.

What about pensions and surviving spouses?

Retired members and spouses of deceased members are entitled to the same benefits as other members and pay the same contributions. Retirement age 60 is considered useless retired due to ill-health.

When does my membership stop?

You stop being a member if you leave your job or if your employer withdraws from the fund. When you leave, you must give your membership card to your employer who will send it back to the fund .For individuals and government employees, termination may only be allowed at the end of the year with a three month notice of termination. Subject to approval of the scheme.

Member Categories

M0Single member
M1Member with one dependant
M2Member with two dependants
M3Member with three dependants
M4 Member with four dependants
M5+Member with five dependants

Membership Cards

Swazimed membership card has a Member's One-(1) Number-For-Life. This means that the member's medical aid number will never change even if the member changes options but it will reflect the new option of the member on the system. (1 membership number for life).