Hi,
My name is ChatBot, I am here to make your web experience with NHP amazing.
May I kindly have your first name?
NHP Gold offers the most comprehensive benefits. As our premier option, consider yourself covered for both major incidences and any day-to-day health expenses. This package is highly recommended for the elderly and people whose health risk is considered high.
Note: All services are paid at 100% of the NAMAF benchmark tariff, unless indicated to the contrary.
Compare to other Benefit Options
Age | Principal Member | Adult / Special dep | Child dep |
---|---|---|---|
0-25 | 4,778 | 3,710 | 1,942 |
26-30 | 5,366 | 4,510 | 1,942 |
31-35 | 6,010 | 4,947 | 1,942 |
36-40 | 7,003 | 6,168 | 1,942 |
41-45 | 7,472 | 6,737 | 1,942 |
46-50 | 8,060 | 7,037 | 1,942 |
51-55 | 8,338 | 7,429 | 1,942 |
56-60 | 8,737 | 7,837 | 1,942 |
61-65 | 9,902 | 8,547 | 1,942 |
66+ | 10,350 | 8,877 | 1,942 |
Age | Principal Member | Adult / Special dep | Child dep |
---|---|---|---|
0-25 | 3,927 | 2,936 | 1,632 |
26-30 | 4,466 | 3,603 | 1,632 |
31-35 | 4,889 | 4,010 | 1,632 |
36-40 | 5,677 | 4,816 | 1,632 |
41-45 | 6,153 | 5,421 | 1,632 |
46-50 | 6,485 | 5,635 | 1,632 |
51-55 | 6,708 | 5,948 | 1,632 |
56-60 | 7,051 | 6,183 | 1,632 |
61-65 | 7,846 | 6,687 | 1,632 |
66+ | 8,156 | 6,883 | 1,632 |
Principal | Adult/Special dependant | Child |
---|---|---|
8,350 | 2,130 | 2,130 |
Example Roll-over Benefit: (Principal member + spouse + two children) = N$ 14,740.00 per year.
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 | Unlimited | |||||
1. | Healthcare provider and medical specialists | – | – | – | – | SPA |
1.1 | Consultations and visits: In-hospital | 150 % | – | – | – | – |
1.2 | Procedures: In-hospital | 150 % | – | – | – | – |
2. | Chronic Medication | – | 34,200 | – | 69,100 | – |
2.1 | Chronic approved – Min levy of N$30: Subject to prior registration | 80 % | – | – | – | No benefit without prior registration |
3. | Hospital services | – | – | – | – | SPA |
3.1 | Accommodation and theatre | 100 % | – | – | – | – |
3.2 | Blood transfusions | 100 % | – | – | – | – |
3.3 | Dialysis | 100 % | – | – | – | – |
3.4 | Medication | 100 % | – | – | – | – |
3.5 | Accommodation in private wards | 100 % | 28,800 | – | 58,300 | – |
3.6 | Accommodation other than a recognised hospital or medical institution: SA only | 100 % | – | – | 875 per day | – |
3.7 | Appliances and prosthesis: Surgical | 100 % | 80,300 | – | 130,000 | – |
3.8 | Refractive surgery: Full procedure – A waiting period of 12 months will apply | 100 % | 34,400 | – | 42,500 | – |
3.9 | Organ transplants: Full procedure | 100 % | – | – | 694,000 | – |
3.10 | Private nursing | 100 % | 77,900 | – | 77,900 | – |
3.11 | Oncology | 100 % | – | – | 905,000 | – |
4. | Radiology | – | – | – | – | SPA |
4.1 | Radiology: Specialised MRI and CT scans in-and-out of hospital combined | 100 % | – | – | 45,500 | – |
4.2 | Basic radiology: In-hospital | 100 % | – | – | – | – |
5. | Pathology | – | – | – | – | – |
5.1 | Pathology: In-hospital | 100 % | – | – | – | – |
6. | Dentistry | – | – | – | – | SPA |
6.1 | Oral surgery: Full procedure | 100 % | – | – | 70,300 | – |
6.2 | Maxillo facial surgery: Non-elective only | 100 % | – | – | – | – |
6.3 | Dental implants | – | – | – | – | OAL |
6.3.1 | Hospitalisation | 100 % | – | – | 20,400 | – |
6.3.2 | Implant: Consultation, procedure and cost | 100 % | – | – | 22,000 | N$ 4,410 per implant |
7. | Psychiatric treatment | – | 37,200 | – | 68,800 | SPA |
7.1 | Hospitalisation or institutionalisation | 100 % | – | – | – | – |
7.2 | Rehabilitation: Alcohol and drug addiction or abuse | 100 % | – | – | – | SPA |
8. | Maternity | – | – | – | – | – |
8.1 | Confinement: Full procedure | 100 % | – | – | – | SPA |
8.2 | Antenatal consultations (total consultations) | 100 % | – | – | 12 visits | OAL |
8.3 | 2D Sonar scans (total scans) | 100 % | – | – | 2 Scans | OAL |
8.4 | Amniocentesis | 100 % | – | – | – | SPA |
8.5 | Panorama Prenatal test | 100 % | – | – | – | SPA |
9. | Preventative care | – | – | – | – | OAL |
9.1 | Vaccinations: As per list | 100 % | – | – | – | – |
10. | Specified illness conditions | – | – | 57,300 | – | OAL |
10.1 | HIV/AIDS: Including the cost of pathology tests | 100 % | – | – | – | SPA |
10.2 | Sexually transmitted diseases | 100 % | 7,190 | – | 9,660 | SPA |
11. | Ambulance services: Only for medical or trauma emergencies | – | – | – | – | SPA |
11.1 | Air evacuation | 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 and eyes | – | – | – | – | SPA |
12.1 | Artificial limbs | 100 % | – | 74,300 | – | – |
12.2 | Artificial eyes | 100% | – | 29,700 | – | – |
13. | Heart surgery rehabilitation | 100 % | – | – | 24,800 | OAL |
14. | Insertion Mirena Device: All Inclusive – Every 3 years | – | – | 7,400 | – | OAL |
15. | Stoma Care products | 100 % | – | – | 34,700 | OAL |
16. | Back and Neck Rehabilitation Programme | 100 % | Subject to DBC protocol | Subject to DBC protocol | Subject to DBC protocol | OAL |
NAMAF tarriff or % thereof | Principal Member | Per Additional Beneficiary | Per Family | Conditions | ||
---|---|---|---|---|---|---|
Out-of-hospital: Sub-limit | ||||||
1. | Healthcare provider and medical specialists | – | 19,100 | 5,200 | – | – |
1.1 | Consultations or visits: Out-of-hospital | 100 % | Unlimited, max 5 virtual GP consultations | Unlimited, max 5 virtual GP consultations | – | – |
1.1.1 | Consultations or visits: Out-of-hospital: When healthcare provider or medical specialists benefit has been depleted | 100 % | 1 General Practitioner visit per registered beneficiary | – | Subject to registration on chronic care programme | |
1.2 | Out-of-hospital services | 100 % | – | – | – | – |
1.3 | Pathology or radiology: Out-of-hospital | 100 % | – | – | – | – |
1.4 | Chronic Lifestyle disease extender benefit | 100 % | Additional benefits as specified | Additional benefits as specified | Additional benefits as specified | OAL |
2. | Medicine and injections | – | – | – | – | – |
2.1 | Acute medicine | – | 11,100 | 6,450 | – | – |
2.1.1 | Acute: Pharmacy dispensed – Min. levy of N$ 30 | 80 % | – | – | – | – |
2.1.2 | Acute: Doctors dispensed – Min. levy of N$ 30 | 80 % | – | – | – | – |
2.1.3 | Self medication: Over-the-counter – No levy: Subject to acute medication limit | 100 % | 2,050 | 510 | – | 255 per claim |
2.1.4 | Vitamins, homeopathic and phytotherapy medication – Min levy of N$30 | 80 % | 1,100 | 300 | – | 255 per claim |
2.2 | Chronic medicine | – | – | – | – | – |
2.2.1 | Chronic approved: Subject to prior registration – Min. levy of N$ 30 | – | – | – | – | – |
3. | Dentistry | – | 22,900 | – | 45,400 | – |
3.1 | Basic dentistry: Subject to sub-limit | 100 % | 12,900 | 4,420 | – | – |
3.2 | Dental technicians | 100 % | – | – | – | – |
3.3 | Advanced dentistry | – | – | – | – | – |
3.3.1 | Orthodontics | 100 % | – | – | – | – |
3.3.2 | Dental Implants: Full procedure | 100 % | Refer to OAL – 6.3 | Refer to OAL – 6.3 | Refer to OAL – 6.3 | – |
4. | Optical | – | 6,920 | 2,580 | – | – |
4.1 | Eye tests | 100 % | – | – | – | – |
4.2 | Spectacles and lenses: Frames every 2nd year | 100 % | – | – | – | Frame limit to N$ 2,500 |
4.3 | Orthoptics | 100 % | – | – | – | – |
5. | Auxiliary services | – | 21,600 | 6,370 | – | – |
5.1 | Chiropody | 100 % | – | 15 Visits, including 5 virtual consultations | – | – |
5.2 | Clinical psychology | 100 % | – | 15 Visits, including 5 virtual consultations | – | – |
5.3 | Dietician | 100 % | – | 15 Visits, including 5 virtual consultations | – | – |
5.4 | Homeopathy: Consultation only | 100 % | – | 15 Visits, including 5 virtual consultations | – | – |
5.5 | Occupational therapy | 100 % | – | 15 Visits, including 5 virtual consultations | – | – |
5.6 | Social workers | 100 % | – | 15 Visits, including 5 virtual consultations | – | – |
5.7 | Appliances: Non-surgical | 100 % | – | – | – | SPA |
5.8 | Physiotherapy | 100 % | – | 15 Visits, including 5 virtual consultations | – | – |
5.9 | Biokinetics | 100 % | – | 15 Visits, including 5 virtual consultations | – | – |
5.10 | Audiology and speech therapy | 100 % | – | 15 Visits, including 5 virtual consultations | – | – |
5.11 | Chiropractic | 100 % | – | 15 Visits, including 5 virtual consultations | – | – |
5.12 | Podiatry | 100 % | – | 15 Visits, including 5 virtual consultations | – | – |
6. | Diabetic devices benefit | – | – | – | – | OAL |
6.1 | Insulin Pumps/Glucose Monitoring System/Glucose reader | 80% | – | – | 46,300 | – |
6.2 | Diabetes related consumables for insulin pumps/Glucose Monitoring System/Glucose reader | 80% | 44,400 | 44,400 | – | – |
7 | Smart Saver benefit | – | – | – | – | – |
7.1 | Health Risk Assessment | 100% | – | – | 1,000 | – |
7.2 | Preventative Care Incentives | 100% | 155 | 155 | – | – |
8 | Roll-Over Benefit | 100% | 8,350 | 2,130 | 2,130 | – |
Select and download all application, registration and request forms as well as information on NHP’s designated service providers, tariffs and travel insurance.
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.
18-30 years young
31-45 years young
46-60 years young
61+ years young