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<title>Latest Health Articles</title>
<link>http://www.theegarage.com/</link>
<description>Articles at ArticleMS</description>
<language>en-us</language>
<item>
<title>The Legal Alternative</title>
<link>http://www.theegarage.com/health/the-legal-alternative.html</link>
<guid>http://www.theegarage.com/health/the-legal-alternative.html</guid>
<pubDate>Mon, 06 Sep 2010 00:40:36 -0500</pubDate>
<description><![CDATA[ <p><br />Becoming a bodybuilder doesn&rsquo;t just happen overnight, it takes years of dedication and hard work. Many aspiring bodybuilders can become frustrated when they do not witness the results they desire, which can often lead them to consume illegal products which maximise their physicality but can ultimately have dire results for their wellbeing.<br /><br />Many bodybuilders often opt for illegal muscle aids such as Anabolic steroids which are a Class C drug and are prohibited in the UK. A person can ultimately face up to fourteen years in prison if supplying or found with this drug. Anabolic steroids are illegal as the consumer may become dependent on the drug and they can suffer from side effects such as extreme headaches, depression, paranoia, acne, erectile dysfunction, insomnia and lethargy.<br /><br />However, there are many reputable products on the market which can maximise a bodybuilder&rsquo;s strength and appearance, such as protein supplements, creatine and meal replacements. In order for these bodybuilding supplements to be effective, a strict diet and work out regime is vital in order to witness their exceptional effects.<br /><br />It is recommended that bodybuilders consume thirty to forty grams of protein five to six times a day, as this helps to build muscle. When starting a bodybuilding training regime it is suggested the aspiring bodybuilder consumes one gram of protein per pound of their body weight. Products such as whey protein powder can be instantly taken with milk and are known as one of the most effective muscle gaining bodybuilding supplements. A diet which is high in protein is also encouraged: this includes food such as rice, eggs, milk, cheese, chicken, fish, ham and beef.<br /><br />There are many bodybuilding alternatives to the illegal products, and the reputable products can provide the same results. By purchasing reputable bodybuilding supplements a person can feel proud to have achieved the results legally, other than opting for the illegal and disrespected option.</p> ]]></description>
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<title>Filtered water ensures safe drinking and healthy body</title>
<link>http://www.theegarage.com/health/filtered-water-ensures-safe-drinking-and-healthy-body.html</link>
<guid>http://www.theegarage.com/health/filtered-water-ensures-safe-drinking-and-healthy-body.html</guid>
<pubDate>Mon, 06 Sep 2010 00:34:30 -0500</pubDate>
<description><![CDATA[ <p>Drinking plenty of water ensures a proper balance of fluid within human body. Most of the offices are installing water coolers and water filters to ensure better supply of water to the employees. Besides hunting for the office water coolers it is also necessary to find out the right water filters for domestic uses. There are many filtered water providers that and these providers supply water in bottles. Earlier offices used to use bottled water coolers but now they are largely getting supplemented by the mains fed ones. The mains fed water coolers have been created in such a way that the water filtration systems can be attached with it. <br /><br />It is wise to note that across Australia the mains fed water coolers and water purification systems have attained huge popularity. Most of the Australian regions are dry and arid, so to avoid dehydration it is mandatory to intake lots and lots of water. Though there are several other kinds of drinks available but medically it has been proved that plain water is best to keep body hydrated. While installing water filters it is necessary to keep in mind that right selection is important. In the nearest warehouse there might be a wide array of stores but quality of these water filters might not be up to the mark.<br /><br />There are many water filters that ensure reverse osmosis facilities. To quench the thirst with the water filters that facilitate reverse osmosis is indeed s good idea. There are many water filters and water coolers that come with enhanced reverse osmosis facility, these water filtration systems actually helps to filter the particles that are unwanted by human body. In turn these water filters indeed help to percolate the important and healthy minerals that human body requires.<br /><br />The water dispenser is also available online and while online purchase one thing is guaranteed, the brand will be a reputed one. Only the well established water purification system manufacturers offer their products online. Gone are the days of taking stress by changing huge bottles regularly and neither it is necessary to be ready with the resource to change the bottles regularly. It is the time of mains fed water supply facility. There are articles and journals that teach us how to select the ideal water coolers and water filters both for domestic and official uses. First it is a good idea to go through them as self research at times protects us from any improper decision.<br /><br />Online purchase is a popular method of buying goods across all corners of Australia. Aussie people love e-trading and online product providers often ensure free delivery through courier. By punching in the toll free customer support numbers of the different office water cooler sellers we can get further details. Online purchase is safe and secured, just by completing the payment process through secured payment gateway we can grab the best water filter. The popular water filter manufacturers free of cost installation, expert plumbers are sent after delivering the product. Off course it is an additional advantage of initiating online water cooler or water filter purchase.</p> ]]></description>
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<title>High Blood Pressure Holistic Remedies - 7 Steps to Follow</title>
<link>http://www.theegarage.com/health/high-blood-pressure-holistic-remedies-7-steps-to-follow.html</link>
<guid>http://www.theegarage.com/health/high-blood-pressure-holistic-remedies-7-steps-to-follow.html</guid>
<pubDate>Sun, 05 Sep 2010 02:01:50 -0500</pubDate>
<description><![CDATA[ <p>It is very bothersome and difficult to suffer certain illnesses and diseases. We do not only spend a lot of money but we are wasting our quality time being productive by just sitting, sleeping and having rest because of our unhealthy condition. Hypertension is one of these conditions that can make us feel worse.</p>
<p>It's a little bit dangerous because this can cause stroke, kidney problems and heart diseases. It is a condition wherein a person suffers an increase in the blood pressure due to different factors. It may be due to unhealthy eating habits, sedentary lifestyle like the use of alcohol and continuous smoking, heredity and sometimes, stress. That's why high blood pressure holistic remedies are available in order to manage this condition that alters our normal way of living.</p>
<p>Holistic means treating our body as a whole. It is an approach wherein we are being treated wholly because different parts of our body are interconnected in order for it to function well. For example, if an abnormality happens in the blood, several major organs are affected such as the brain, kidney and heart.</p>
<p>There are actually known high blood pressure holistic remedies that can help alleviate the discomfort and pain it brings, as well as preventing further damage and complications. Here are some steps for you to follow:</p>
<p>1. Diet modification. It must be low in sodium, cholesterol and saturated fats. A hypertensive person must eat foods high in potassium and calcium. Fruits and vegetables are highly recommended. They must also reduce their weight and try to avoid being obese because this can cause an increase in the blood pressure. Adding fiber in the diet can also result to healthy and normal blood pressure.</p>
<p>2. Eliminate and lower down alcohol consumption because this can alter the normal blood circulation and can cause high blood pressure.</p>
<p>3. Regular daily exercise for at least 1 to 2 hours a day can promote proper blood circulation therefore, reducing the risk of hypertension. Meditation and yoga are also very advisable.</p>
<p>4. Do massage. It reduces anxiety, helps you to have a good sleep, and also aid in proper blood circulation.</p>
<p>5. Practice naturopathy which includes psychotherapy, herbal medicines, counseling, relaxation therapy, physical therapy and homeopathy. This helps in enhancing the body's skill and ability to heal itself.</p>
<p>6. Stop smoking. Too much smoking can cause constriction of blood vessels leading to an increase in blood pressure.</p>
<p>7. Medicines. There are different classes of available drugs given to treat hypertension and sometimes used as lifetime maintenance. These include beta blockers, direct vasodilators, ACE inhibitor, calcium channel blockers and other more.</p>
<p>If there is a problem, there will always be a solution. In the same way, if there's a disease, people would always find ways to find a cure. High blood pressure holistic remedies are just one of the examples used to manage the condition in a palliative approach.</p> ]]></description>
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<title>E-Cig Reviews - Which One Is The Best</title>
<link>http://www.theegarage.com/health/e-cig-reviews-which-one-is-the-best.html</link>
<guid>http://www.theegarage.com/health/e-cig-reviews-which-one-is-the-best.html</guid>
<pubDate>Sat, 04 Sep 2010 20:53:31 -0500</pubDate>
<description><![CDATA[ Smoking is one of the most dangerous habits and is responsible for the largest number of deaths. For a long time quitting smoking has been the only option, but now with the advent of e-cigarettes there are other options also. This is an article about the numerous e-cig reviews to help you pick the best e-cig.<br /><br />Smoking can cause a number of fatal diseases ranging from mouth cancer to lung cancer and can adversely affect your body in a number of other ways. Almost everybody who is a regular smoker decides almost once every week that "I am going to quit." But this never materializes as the smoker requires his daily dose of nicotine. Now nicotine is like caffeine, in small quantities it does little harm and just serves as a pick-me-up. The problem lies in the tobacco content, the coal, the carbon monoxide and other 1000s of poisonous chemicals and substances going into your body. These substances cause the harm. <br /><br />This is where the e-cigarette review helps you choose the best e-cigarette, as e-cigs allow you to get that much-needed nicotine hit, without burning away your life along with your money. <br /><br /> Numerous E-Cigarettes<br /><br />Numerous e-cigs have entered the market; all of them are battery operated and give you your nicotine hit through small sachets of nicotine, which disperses nicotine into you along with the vapor as you inhale. What must be noted in the e-cigarette review is the battery life, the recharging capabilities, the flavors offered etc. so you can decide which one is the best for you.<br /><br />* The South Beach Smoke E-Cig is a new entrant and offers a host of flavors to you, it has a good battery life, it is sleek and is identical to your usual fag sticks, with adjustable nicotine intake from 0-18 mg.  <br />* Blu E-Cig offers along with the variety of flavors a unique way too keep your e-cig charged with a cigarette box that acts as a charger when you store your e-cig in it. These also have an added attraction offering a tobacco cigarette flavored e-Cig for those who actually like the taste of the original tobacco cigarettes.<br />* Green Smoke E-Cig has a design that appeals to the environmentalist in you, with environmentally safe ergonomics, though the battery life is a little less. <br />* White Cloud E-Cigs offer you the most realistic smoke experience with actual proper smoke like vapor, unlike the wispy sort of vapor that comes out of other e-Cigs.<br />* SmokeStik E-Cigs is an attempt to make an identical though healthier twin of your filter and paper cigarettes and it also has an excellent battery life.<br />* The Cigarti E-Cig is for the conscious smoker who does not want people to think he is sucking on some plastic toy; these are sleek e-Cigs, which offer excellent flavor options.<br /><br />This e-cigarette review has just explored the tip of the iceberg, there are hordes of other e-cigarettes and they come with other features too. However, these are the basics of what all you can look for or what all you can get from an e-cigarette. ]]></description>
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<title>How to Take Meal Happily?</title>
<link>http://www.theegarage.com/health/how-to-take-meal-happily.html</link>
<guid>http://www.theegarage.com/health/how-to-take-meal-happily.html</guid>
<pubDate>Sat, 04 Sep 2010 09:41:39 -0500</pubDate>
<description><![CDATA[ <p>As the pace of life in today's world grows ever fast, many office workers seem no time to eat well. As lunch, both boiled dumpling and noodle are not the best ones to choose. Regardless of whether boiled dumplings or noodles, all base on carbohydrate. They are easily absorbed by the human body. So after eating these, people will be quickly hungry. For those people who have heavy work the energy these food offers are not nearly enough.<br /><br />How to eating happily?<br /><br />Go out with some of your friends, it is of no interest to eat alone. Your talking of some gossip and fashion may add a joy to your lunch, surely it can consolidate your friendship and create a good mood at your lunch.<br /><br />Looking for an ideal small restaurant. As for girls, they like eating snacks. If you can't enjoy your meal, then bring some snacks, such as, milk, chocolate, a piece of cake and some fruits. These can provide some heat and energy.<br /><br />Enjoy the rich flavor of a good dinner <br /><br />With the rapid pace of life, for office works, a dinner becomes the main meal of one day. They usually have no time to eat breakfast and lunch. Only at night, they can totally relax their body and soul, seating at the table to eat a good dinner. As everyone knows, this is unscientific. Then how to eat dinner scientifically? <br /><br />When eating dinner at home, it is better to eat earlier. The study has showed that: eat dinner early can greatly reduce the incidence of urinary calculi. Compared with breakfast and lunch, dinner should be taken less. Eating too much dinner can do harm to your health and make you fat.<br /><br />The scientific and healthy schedule for dinner should be taken at 6pm. At least there should be 4-hour intervals between dinner and sleep. If you are hungry at night, you can choose to eat some food low energy and low fat. Such as, fruit, slim milk, cereal food and whole wheat bread. Remember not taking refined bread and fired food. You'd better eat nothing before go to sleep, so that your body can keep empty and this can make sure that you will have a good sleep.</p> ]]></description>
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<title>Benefits of Fat Burners</title>
<link>http://www.theegarage.com/health/benefits-of-fat-burners.html</link>
<guid>http://www.theegarage.com/health/benefits-of-fat-burners.html</guid>
<pubDate>Sat, 04 Sep 2010 04:36:24 -0500</pubDate>
<description><![CDATA[ <p>Among the many weight loss products in the market, Fat Burners are  undoubtedly the most popular. So what are fat burners and how do they  help you to reduce weight. Let&rsquo;s take a look at the answers to these  questions.<br /><br />Fat burners are dietary supplements that help you to  reduce weight. Fat burners are nothing but thermogenics or supplements  that increase metabolism through heat. Thus when heat is increasingly  produced in the body, fat is burned. There are many heat producing  products in the market, like caffeine and green tea extract. These  products also help by suppressing appetite, and by supporting the  healthy production of insulin metabolism. Some commonly used fat burning  ingredients include bitter orange, Caffeine, 7- Keto, and even  Pyruvate.<br /><br />Bitter orange helps by increasing metabolic rate and  works on fat storing tissues. It also acts as an appetite suppressant.  Caffeine is a very popular thermogenics ingredient, that not helps to  increase metabolism but also helps as a pre work out booster, thus  allowing for longer periods of workout.7-Keto is another stimulant that  increases the metabolic rate by affecting the thyroid gland. Pyruvate is  a supplement that&rsquo;s naturally found in food (in limited amount,  though), and acts as an energy fuel that helps increasing fat loss.<br /><br />As earlier said, <a href="http://www.supplementcentre.com/ProductList/480/Fat-Burners.asp">fat Burners</a> help by working on the fat storing tissues, thereby increasing  metabolism. When combined with a well balanced diet and a healthy  exercise regime, fat burners can be very effective. People who have just  begun to diet can benefit from fat burners as they can help by  encouraging them to go a step ahead. You could also choose from fat  burners that help you to lose weight fast and then there are some that  would work only slowly and over a period of time. Also follow certain  thumb rules helps, for example not eating these on an empty stomach.  Doing so only would lead you to feeling dizzy. Also, remember that these  are not miracle medicines that would still work on you, while you eat  your heart out. Following a minimum diet and exercise regime is  important for the effective use of these fat burners.<br /><br />But before  you buy a fat burning pill make sure you have consulted a medical  practitioner who is well advised about your health condition. Also when  you buy a fat burner, don&rsquo;t just buy one simply that&rsquo;s there on the  shelf, instead, spend considerable time, reading the fine print that  mentions about the do&rsquo;s and don&rsquo;t s of using the product. Also, invest  in one that is made by a well known manufacturer. There are a number of  websites that sell these fat burning supplements that you could buy  from.</p> ]]></description>
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<title>Chances of obese people getting addicted to Phentermine are high</title>
<link>http://www.theegarage.com/health/chances-of-obese-people-getting-addicted-to-phentermine-are-high.html</link>
<guid>http://www.theegarage.com/health/chances-of-obese-people-getting-addicted-to-phentermine-are-high.html</guid>
<pubDate>Sat, 04 Sep 2010 02:25:01 -0500</pubDate>
<description><![CDATA[ <p>Humans are born free. The genetic background has some weight on the body structure of an individual. We cannot deny that physical movement of the body has decreased to a great extent since the advent of computers. Lack of balanced diet and exercise has left people to be obese compared to their height and age. The option to Buy Phentermine Online and its usage has been done by many to reduce fat (mind you, its online.... no pains taken to buy it). The idea to Buy Phentermine Without Prescription may lead to suppression of appetite. <br /><br />The question is whether this is the only possible solution? Efficient people, who acknowledge that they have become obese, opt for proper diet chart and regular exercises. Even practicing Yoga is an excellent option if you feel lazy to go for a jog or a walk. It is sad that majority of us look for a short cut and opt to Buy Phentermine Online to tackle this issue. It is preferred that humans abstain from usage of medical drugs as all have danger of a side effect if used without proper medical advice. Many opt for short term weight loss and cut a sorry face in the long run due to their outlook towards medicines. Unless there exist an inner desire to reduce obesity and acknowledge the matter, it is wrong to expect that you can reduce your fat if you Buy Phentermine Without Prescription. These people suffer simply due to their own callous attitude. If you desire to use pills to address your obesity issue, it is suggested that you should consult your medical practitioner regarding it particularly if you are under some medication to avoid complication after you Buy Phentermine Online.<br /><br />It is a human desire that all of us want to be in a proper shape. It is recommended that prior deciding to Buy Phentermine Without Prescription relevant to groundwork regarding the usage and potential threats be done. A study regarding the usage of proper branded pill is desired. It would be wrong to say that proper and organized usage of Phentermine dosage had a positive effect on many lives. The easy access to Buy Phentermine Without Prescription should be dealt by potential users cautiously. The desire to buy will always be high but the cons should be clearly kept in mind so that one does not repent later. Customers convinced for the purchase prefer to Buy Phentermine Online as this is the easiest option. The promotional offers with coupon code and discount vouchers are always there to tempt you for an online purchase.</p> ]]></description>
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<title>Buy Alprazolam(Xanax) For  anti-anxiety</title>
<link>http://www.theegarage.com/health/buy-alprazolam-xanax-for-anti-anxiety.html</link>
<guid>http://www.theegarage.com/health/buy-alprazolam-xanax-for-anti-anxiety.html</guid>
<pubDate>Sat, 04 Sep 2010 02:20:31 -0500</pubDate>
<description><![CDATA[ <p>Alprazolam, also popularly known as Xanax, is an anti-anxiety drug that people use in great number today. At this age of modernization the kind of anxiety problems affecting individuals at different stages of their hectic lives, the usage of Xanax is on a high rise. Of course there is no problem at all if the drug is used under the guidance or prescription of a genuine professional.<br /><br />The drug has its own anxiety relieving properties and because of this its demand has risen extensively and, people are looking out for different channels to obtain Xanax. Stores generally don&rsquo;t sell it without a prescription because of its hazardous side effects with regular usage. Yet there are few sellers which sell fake pills under the name of Xanax. And due to technological advancement individuals are resorting to buying Xanax online but then too one must be careful before buying it online. One has to consider the authentic label of the online resource which deals with the sales of the drug.<br /><br />Though there are genuine options available online, the drug needs to be taken under a recommended dosage because the relief that it brings about is so addictive in nature that people tend to get addicted to it. And thus there is a high demand to buy it either online or through stores. One has to take time off the busy schedule and browse through the varied online resources for prescription of Xanax drug that is available and buy only after an online physician consultation. The medication is easily available via comprehensive online resources which provide authentic prescription and recommends apt dosage of the drug.<br /><br />Remember buying this drug without a prescription is illegal and one has to face severe legal consequence if one is caught. Hence it better not to take a risk and instead opt for an online prescription of the drug by an authentic online resource which deals with the drug.<br /><br />Also known by the name of Xanor, Xanax is a drug which can easily be addicted to if the usage goes beyond the prescribed dosage. Two of the most common after effects of the over dosage of Xanor are drowsiness and dizziness and if this is not checked immediately, then the patient&rsquo;s health is worst affected.<br /><br />Buy Xanax online only if you are sure of the online resource&rsquo;s genuine label and authentic prescription. Generally psychotherapy and counseling is combined with the drug dosage to effectively treat the anxiety disorder. But since it&rsquo;s a bit costly affair and needs extra time for the sessions, people now opt for online sessions wherein the online physician refers to a comprehensive online Xanax dealer under a valid prescription.</p> ]]></description>
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<title>Benefits of weight loss shakes</title>
<link>http://www.theegarage.com/health/benefits-of-weight-loss-shakes.html</link>
<guid>http://www.theegarage.com/health/benefits-of-weight-loss-shakes.html</guid>
<pubDate>Sat, 04 Sep 2010 02:08:27 -0500</pubDate>
<description><![CDATA[ <p>Among the many products in the market, Weight Loss Shakes are certainly  on of the most popular. Shake your way to health seems to be the new  mantra today. The market is full of weight loss shakes that help to  loose weight. Weight loss supplements help to loose weight by speeding  up the metabolism process where the body looses fat at an increased  rate.<br /><br />These weight loss supplements control the amount of food we  eat. We have all grown up thinking that food is to be had thrice in a  day; however this concept has been increasingly challenged by health and  fitness experts. Experts now claim that it is important that we  partake, at least 5-6 small meals in a day. Weight loss shakes act as a  good supplement. These weight loss shakes have all the essential  ingredients like protein, vitamins and minerals that help to maintain a  well balance. If protein content in the shake is high, it&rsquo;s generally  called weight loss protein shake. Another positive thing about these  weight loss shakes is that they are low in calories. A glass of weight  loss shake (made from about three tablespoonful of weight loss shake  powder) contains about 44-60 calories. That&rsquo;s almost equivalent to a  medium sized apple. What&rsquo;s even better, these can be substituted for  your meals! Isn&rsquo;t it amazing to have a meal that has no more than 50  calories?<br /><br />They come in different flavors as well. You could also  add fruits to thicken your shakes if you think they are too light. A  majority of these shakes contain an active ingredient called lecithin,  L-carnite and inositol. These help in effective fat elimination, thereby  increasing metabolism and also adjusting the blood glucose levels.  These <a href="http://www.supplementcentre.com/ProductList/2060/Weight-Loss-Shakes.asp">Weight Loss Shakes</a> also contain fiber. Fiber helps by increasing metabolism and enhancing  bowel movement. The fiber in these supplements helps you by making your  stomach feel full.<br /><br />Most of these supplements are organic and are  known to be safe. There are clinical tests conducted not only in the US,  but over the world which proves that <a href="http://www.supplementcentre.com/ProductList/2060/Weight-Loss-Shakes.asp">Weight Loss Shakes</a> are not only effective in reducing weight effectively.<br /><br />But  remember before you buy these weight supplements; buy them from a well  known manufacturer known for his untarnished image when t comes to  weight loss supplements. Make sure that you do not compromise on quality  when you but these products. Also remember that these are supplements  are there to help you reduce weight fast and effectively. They are to be  followed by a well balanced lifestyle and following an exercise  regimen.<br /><br />So what are you waiting for? Go ahead and shake your way to good health!</p> ]]></description>
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<title>Dealing With Medical Aid Restrictions and Penalties</title>
<link>http://www.theegarage.com/health/dealing-with-medical-aid-restrictions-and-penalties.html</link>
<guid>http://www.theegarage.com/health/dealing-with-medical-aid-restrictions-and-penalties.html</guid>
<pubDate>Sat, 04 Sep 2010 01:29:48 -0500</pubDate>
<description><![CDATA[ <p>After doing your research and finding the best medical aid scheme, you are ready to submit your application. Do not be too hasty as this crucial final step to securing private health care cover requires that certain conditions be met. The two most vital of these conditions are waiting periods and late-joiner penalties. Both of these conditions could have significant financial and health implications, so it is best to know your rights and educate yourself about why these conditions are applied. It is also vital that you do not provide false information in order to bypass these restrictions and penalties as doing so could result in you being without health care cover.</p>
<p><strong>Late-joiner Penalties</strong></p>
<p>Medical aid schemes, like most forms of health insurance, rely on a large membership base of young healthy people to support the healthcare needs of a small number of older, sicklier members. People who join medical schemes later in life are regarded as having skipped the supporting phase of membership and thus need to make up for this through higher premiums. These penalties are meant to encourage people to join schemes while they are still young and healthy.</p>
<p>Open medical schemes cannot turn down applications based on age, but can enforce late-joiner penalties in order to negate potential negative financial implications of adding older people as members. These late-joiner penalties can be applied to anyone who either joins a scheme or is added as a beneficiary on and after the age of 35 years. It is also important to note that this penalty will also apply if you have a break in medical aid cover anytime after the age of 35 years. If you decide to change schemes after this age you need to ensure that your application to your new scheme is accepted before cancelling your old scheme. This will ensure that no break in cover occurs. It is also important to note that should you belong to a scheme that has imposed a late-joiner penalty and then switch schemes, this new scheme may impose the same penalty.</p>
<p>If a late-joiner penalty applies then you will need to pay a loading on your contributions for as long as you are a member. This loading is scaled and can be worked out as follows: Add the number of years that you have had cover to 35. Subtract this number from your current age. For example, if you have had 4 years of cover you would add this to 35 giving you a total of 39. If you are 40 years old you subtract 39 from this leaving you with 1 year without cover. Loadings are scaled as follows:</p>
<p>&nbsp;</p>
<ul>
<li>1 to 4 years without cover = normal contribution x 0.05</li>
<li>5 to 14 years without cover = normal contribution x 0.25</li>
<li>15 to 24 years without cover = normal contribution x 0.50</li>
<li>25+ years without cover = normal contribution x 0.75</li>
</ul>
<p>&nbsp;</p>
<p><strong>Waiting Periods</strong></p>
<p>Waiting periods can be imposed on new medical aid members or to old members who had a break in cover. Harsher waiting periods can be applied to new members who have never been members of any other medical aid scheme. Waiting periods are used to prevent people from only joining a scheme once they are sick or in need of benefits. Generally schemes impose a 3-month waiting period on all benefits and a 12-month waiting period on benefits related to specific conditions. Waiting periods are especially relevant to pregnant woman who start looking for cover after they have discovered that they are pregnant. Joining a medical scheme once already pregnant will not provide cover for the birth although there are some schemes that are willing to provide cover provided that certain additional clauses are met such as remaining a member for a certain number of years after the birth.</p>
<p>If you are unsure of how late-joiner penalties and waiting periods apply to your specific situation, then consult a medical aid broker. Failure to do so may result in you having to pay penalties or to go without medical aid cover while sitting through waiting periods.</p> ]]></description>
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