09/01/2026
MIBCO has issued Circular No. 2025/00042 confirming the implementation of a primary medical health insurance scheme for Sector 5 (fuel dealers, service stations and related establishments).
Key points:
• Effective date: scheme starts 1 February 2026 (benefits accessible from this date).
• Membership: automatic and compulsory for all Sector 5 employees, unless an employee validly opts out or has an approved exemption.
• Contributions (per main member, per month):
◦ Employer allowance: R85 (Year 1: 1 Feb 2026–31 Aug 2026), R90 (Year 2: 1 Sep 2026–31 Aug 2027), R95 (Year 3: 1 Sep 2027–31 Aug 2028).
◦ Employee contribution (Year 1 balance): R174, with the Affinity Health Plan option noted at R259 per member per month (subject to correct deductions and payment).
• Payments: employers must remit contributions via the MIBCO Returns system by the 10th of each month following the month for which contributions are due.
• Opt-out: employees may opt out in writing within 60 days of scheme commencement or 60 days of starting employment (whichever is later), by visiting a MIBCO office to complete the prescribed form. If benefits are used within the first 60 days, the employee is automatically opted in and cannot be excluded.
Contact us to assist with ensuring your Payroll is setup to apply the required allowance/deduction from 1 February 2026.
