To Navi Smith* of Rivonia, it was an insignificant visit to her doctor about a urinary tract infection; she was prescribed antibiotics, which took care of the infection and its symptoms, and that was that. But because she failed to disclose that visit in June when she applied for membership to Momentum Health a month later, her membership has been terminated by the medical scheme. "Getting a UTI is like getting flu," says Smith, who received the termination letter last week. "Nowhere was 'urinary tract infection' mentioned in the form's disclosure section," she says. "A layperson doesn't always understand medical diagnosis - we just take our meds and get on with life." Momentum's application form states: "Failure to disclose pre-existing conditions could limit and/or exclude certain benefits or result in termination of your benefits." Section 6.2.4 states: "In the last 12 months have you had any of the following: Diseases or disorders of the kidneys, bladder or reproductive organs, ...

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