12. IS IT TRUE THAT NEW MEMBERS WILL NO LONGER HAVE TO COMPLETE A MEDICAL QUESTIONNAIRE?

Yes, that’s correct, as long as the application to join is made at least 6 months prior to retirement.  If not, then it will still be necessary to complete a questionnaire.

Please note the following exclusion clause

Exclusion:  the healthcare costs for hospitalisation related to an infirmity and/or illness that existed at the time of affiliation of the insured and that had already manifested itself through objective symptoms that could be diagnosed. However, the cover is acquired if, during the TWO YEARS following affiliation, the insured was not hospitalised for, or did not have any medical treatment related to the pre-existing cause.

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