Medical aid does not end when the main member dies if there are other dependents on the cover. Death is an inevitability and schemes cannot instantly terminate the membership of living dependents but this does not mean that the dependents are not liable for the monthly premiums. If the premiums are not paid, the existing members on the medical aid cover are initially suspended and continued non-payment will then result in termination.
But what do you do if the main member is also the breadwinner in the family? How will you afford the cost of medical aid premiums? Fortunately there is an additional form of protection known as the premium waiver. Some schemes will automatically grant a waiver for a month or two, but premium waiver should be purchased as a standalone policy if you want relief for as much as 2 years from paying medial aid premiums.