Bronze - All Benefits Options | Namibia Health Plan

About Bronze

NHP Bronze is a flexible option at an affordable rate with limited day-to-day benefits. Enjoy comprehensive cover for major and pooled day-to-day medical expenses, especially by choosing how to allocate an annual amount for your day-to-day expenses. Perfectly suited for those whose health risk can be described as very low.

Note: All services are paid at 100% of the NAMAF benchmark tariff, unless indicated otherwise.

Compare to other Benefit Options

  • In-hospital & out of hospital services
  • Chronic and acute medicine
  • Basic and specialised radiology – in and out-hospital
  • Dentistry
  • Psychiatric treatment
  • Maternity
  • Preventative Care
  • Optical
  • Pathology and auxiliary services
  • Diabetic Devices Benefit
  • Back and Neck rehabilitation programme
  • Ambulance services
Age Principal Member Adult / Special dep Child dep
0-25 1,981 1,207 707
26-30 2,092 1,332 707
31-35 2,200 1,495 707
36-40 2,304 1,652 707
41-45 2,518 1,786 707
46-50 2,543 1,862 707
51-55 2,680 1,996 707
56-60 2,836 2,032 707
61-65 3,498 2,239 707
66+ 4,006 2,438 707
Age Principal Member Adult / Special dep Child dep
0-25 1,843 1,109 642
26-30 1,927 1,216 642
31-35 2,005 1,297 642
36-40 2,088 1,406 642
41-45 2,276 1,478 642
46-50 2,309 1,520 642
51-55 2,426 1,629 642
56-60 2,532 1,718 642
61-65 3,082 1,898 642
66+ 3,404 1,974 642
Principal Adult/Special dependant Child
2,200 450 450

Example Roll-over Benefit: (Principal member + spouse + two children) = N$ 3,550.00 per year.

Downloads

Employer Group Application Form Membership Application Form Benefit Guide 2024 User Guide 2024

    NAMAF tarriff or % thereof Principal Member Per Additional Beneficiary Per Family Conditions
Overall Annual Limit (OAL) 570,000 930,000
1. Healthcare provider or medical specialists SPA
1.1 Consultations or visits: In-hospital 150%
1.2 Procedures: In-hospital 150%
2. Chronic medicine 4,460 7,090
2.1 Chronic medicine approved: Min levy of N$ 30 - subject to prior registration on Chronic Care programme 80% No benefit with- out registration
3. Hospital services SPA
3.1 Accommodation and theatre 100%
3.2 Blood transfusions 100%
3.3 Dialysis No benefit
3.4 Medication 100%
3.5 Accommodation: Private wards 100% 6,360 12,700
3.6 Accommodation other than a recognised hospital or medical institution: SA only 100% 875 per day
3.7 Appliances and prosthesis: Surgical 100% 24,200 48,700
3.8 Refractive surgery: Full procedure - a waiting period of 12 months will apply No benefit
3.9 Organ transplants: Full procedure 100% 90,700
3.10 Private nursing 100% 13,300
3.11 Oncology No benefit
4. Radiology SPA
4.1 Radiology: Specialised MRI and CT scans - In-and-out of hospital combined 100% 19,200
4.2 Basic Radiology: In-hospital 100%
5. Pathology
5.1 Pathology: In-hospital 100%
6. Dentistry SPA
6.1 Oral surgery: Full procedure 100% 42,200
6.2 Maxillo facial surgery: Non-elective only 100%
6.3 Dental Implants
6.3.1 Hospitalisation No benefit
6.3.2 Implant: Consultation, procedure and cost No benefit
7. Psychiatric treatment 17,700 31,800 SPA
7.1 Hospitalisation or institutionalisation 100%
7.2 Rehabilitation of alcohol and drug addiction or abuse 100%
8. Maternity
8.1 Confinement: Full procedure - subject to pre-authorisation 100% SPA
8.2 Antenatal consultations 100% 12 Visits OAL
8.3 Sonar scans: 2D 100% 2 Scans OAL
8.4 Amniocentesis 100% SPA
8.5 Panorama Prenatal test 100% SPA
9. Preventative care OAL
9.1 Preventative care benefit: As per list 100%
10. Specified illness conditions 31,900 64,700 OAL
10.1 HIV/AIDS: Including the cost of pathology tests 100% SPA
10.2 Sexually transmitted diseases 100% 1,640 SPA
11. Ambulance services: Only for medical or trauma emergencies SPA
11.1 Emergency evacuation: Air 100%
11.2 Ambulance services 100%
11.3 Ambulance services: Inter-hospital transfer 100% 5,140 5,140
11.4 Other transportation 80%
12. Artificial limbs or eyes SPA
12.1 Artificial limbs 100% Subject to Auxiliary services - Day-to-Day
12.2 Artificial eyes 100%
13. Heart surgery: Rehabilitation 100% Subject to Auxiliary services - Day-to-Day
14. Insertion Mirena Device: All Inclusive - every 3 years 100% 7,400 OAL/SPA
15. Stoma Care products 100% 34,700 OAL/SPA
16. Back and Neck Rehabilitation Programme 100% Subject to DBC protocol OAL/SPA

NAMAF tarriff or % thereof Principal Member Per Additional Beneficiary Per Family Conditions
Out-of-hospital: Sub-limit 7,200 2,400 OAL
1. Healthcare provider or medical specialists
1.1 Consultations or visits: Out-of-hospital 100%
1.1.1 Virtual GP consultations 100% 5 5
1.2 Procedures: Out-of-hospital services 100%
1.3 Pathology or Radiology: Out-of-hospital 100%
1.4 Chronic Lifestyle disease extender benefit No benefit
2. Medicine and injections
2.1 Acute medicine
2.1.1 Acute medicine: Pharmacy dispensed - min levy of N$ 30 80%
2.1.2 Acute medicine: Doctors dispensed - min levy of N$ 30 80%
2.1.3 Self medication: Over-the-counter - no levy. Subject to acute medicine limit. 100% 960 165 255 per claim
2.1.4 Vitamins, homeopathic and phytotherapy medicines - min levy of N$ 30 - subject to acute medicine limit 80% 430 135 255 per claim
3. Dentistry 2,260 4,620
3.1 Basic dentistry: Subject to sub-limit 100%
3.2 Dental technicians 100%
3.3 Advanced dentistry
3.3.1 Orthodontics 50%
3.3.2 Dental implants: Full procedure No benefit
4. Optical 2,490 615
4.1 Eye tests 100% Frame limited to 1 230
4.2 Spectacles or lenses: Frames every 2nd year 100%
4.3 Orthoptics 100%
5. Auxiliary services
5.1 Chiropody 100% 15 Visits 5 VC
5.2 Clinical psychology 100% 15 Visits 5 VC
5.3 Dietician 100% 15 Visits 5 VC
5.4 Homeopathy: Consultation only 100% 15 Visits 5 VC
5.5 Occupational therapy 100% 15 Visits 5 VC
5.6 Social workers 100% 15 Visits 5 VC
5.7 Appliances: Non-surgical 100% SPA
5.8 Physiotherapy 100% 15 Visits 5 VC
5.9 Biokinetics 100% 15 Visits 5 VC
5.10 Audiology or speech therapy 100% 15 Visits 5 VC
5.11 Chiropractic 100% 15 Visits 5 VC
5.12 Podiatry 100% 15 Visits 5 VC
6. Smart Saver benefit
6.1 Health Risk Assessment 100% 525
6.2 Preventative Care Incentives 100% 80 80
7. Roll-Over Benefit 100% 2,200 450 450

  • Flu vaccines are covered as part of the Preventative Care benefit.
  • 1 COVID-19 vaccine regimen per year is covered as part of the Preventative Care benefit for all beneficiaries older than 16 years.
  • Vitamins under specific conditions to be authorised from the Chronic Medication benefit.
  • Limited benefit for vitamins available under 2.1.4. above, without a prescription.
  • NHP pays for contraceptives (oral and injections) limited to N$ 255 per claim.
  • Sunblock may be purchased at pharmacies under the Self-medication benefit.
  • Pre-authorised travelling costs for specialist referrals in Namibia partly covered if residing more than 150km from Windhoek - accommodation included, limited to N$ 875 per night, maximum of 2 nights per family per annum.
  • No basic dentistry will be covered under the Oral surgery benefit.
  • All benefits are subject to availability of pooled Day-to-Day benefits.
  • Intra ocular lenses included in Appliances and prosthesis surgical benefit - limited to N$ 7 000 per lens. Refer to 3.7.
  • Blood pressure monitor: N$ 635 per beneficiary.
  • Consultations or visits: Out-of-hospital: When day-to-day benefit has been depleted, 1 additional GP visit per beneficiary. Subject to registration on the Chronic Care Programme.
  • Auxiliary services - 15 consultations inclusive of 5 virtual consultations per listed specialities. Subject to available benefits.
  • A Smart Saver benefit is added to a family’s Accumulated Roll-Over benefit on completion of: (1) A Health Risk assessment by the principal member or an adult dependant at any of the Fund’s Wellness Days or at a qualifying pharmacy. (2) Any of the preventative care benefits offered by the Fund by a qualifying beneficiary.

Forms

Select and download all application, registration and request forms as well as information on NHP’s designated service providers, tariffs and travel insurance.

See all forms

Information and Services

Benefit suggestions

These life stages aim to illustrate the thoughtful consideration given to the evolving healthcare needs of individuals at different points in their lives. By aligning medical aid benefits with these life stages, we ensure that our members receive targeted and effective healthcare support throughout their journey.

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