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Membership

WHO CAN BE A MEMBER?

  • Family and Household Members
  • Social, Cultural (Tribal meetings, etc) and Religious Groups or Associations.
  • Socio-economic Groups (NJANGIs, CIGs, NGOs, etc)
  • Business Establishments, Institutions, Schools, Professional Associations,  Companies, etc)
  • Members attend General Assembly and can vote or  can be voted into the Executive. Membership is open to any responsible adult, irrespective of religion, race or ethnic clenching.

MEMBERSHIP

  • Registration of 1.000Fcfa for a group or family of at least 4 & at most 10persons.
  • Pay an annual Contribution for each of the persons in the family or group.
  • Bring along two recent coloured passport-size photos for each person in the group.

todo (check brochure attached)

 

ADVERSE SELECTION

We avoid individual adhesion into BEPHA because only those who are often sick will tend to belong to the scheme. This is known as Adverse Selection and it is dangerous because the scheme will not be viable and sustainable as more money will be spent on health bills. We, therefore, insist that at least four persons (there can be more) in a Household or Group must be registered into BEPHA - with the presumption that the contribution of those who are not sick, within the year, covers the health bills of those who fall sick.
Another level of Adverse Selection is when people register or renew and pay their premiums only when they are threatened by sickness, or when they have to honour their appointment with the doctor. This is an exploitative and dishonest attitude which should be discouraged at all cost. It shows the lack of charity towards other adherents of BEPHA.

 

WAITING / OBSERVATION PERIOD

This is a period following enrolment, during which new Members pay Premiums to BEPHA but are not entitled to receive benefits, whether for themselves or for their Dependents. It is the period before a risk matures. It is 60 days for minor health risks and 6 months for major health risks, including Delivery. This period of observation is equally intended to check opportunists who may want to exploit the scheme by registering and paying premiums only when threatened by sickness or on the eve of respecting their rendez-vous with the doctor.
Waiting or Observation Period also enables Members to complete their Premiums, if they pay these Annual Contributions in installments, and to forward 2 recent, colour passport size photos and photocopy of either National Identity Cards or Birth Certificates of each Adherent to the BEPHA office. This period equally gives the office enough time to prepare BEPHA Cards for the Household or Group members.