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About Silver
NHP Silver is the perfect package for comprehensive cover and day-to-day benefits. With this option, you can choose how to allocate an annual amount for day-to-day expenses. This benefit option is best suited for those whose health risk can be described as low.
Note: All services are paid at 100% of the NAMAF benchmark tariff, unless indicated to the contrary.
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
Contributions for Individual Members For Individuals, all family members use the eldest member’s age category
| Age | Principal Member | Adult / Special dep | Child dep |
|---|---|---|---|
| 0-25 | 2,782 | 1,876 | 1,004 |
| 26-30 | 3,061 | 2,178 | 1,004 |
| 31-35 | 3,438 | 2,548 | 1,004 |
| 36-40 | 3,845 | 2,844 | 1,004 |
| 41-45 | 4,182 | 3,214 | 1,004 |
| 46-50 | 4,482 | 3,457 | 1,004 |
| 51-55 | 4,690 | 3,678 | 1,004 |
| 56-60 | 5,200 | 3,979 | 1,004 |
| 61-65 | 5,498 | 4,338 | 1,004 |
| 66+ | 5,900 | 4,507 | 1,004 |
Contributions for Employer Group For Employer Groups, all family members use principal member’s age category
| Age | Principal Member | Adult / Special dep | Child dep |
|---|---|---|---|
| 0-25 | 2,524 | 1,559 | 834 |
| 26-30 | 2,719 | 1,835 | 834 |
| 31-35 | 3,001 | 1,912 | 834 |
| 36-40 | 3,274 | 2,102 | 834 |
| 41-45 | 3,615 | 2,376 | 834 |
| 46-50 | 3,849 | 2,548 | 834 |
| 51-55 | 4,059 | 2,865 | 834 |
| 56-60 | 4,408 | 3,050 | 834 |
| 61-65 | 4,728 | 3,697 | 834 |
| 66+ | 5,263 | 3,883 | 834 |
Roll-Over Benefit For diligent management of your healthcare expenditure:
| Principal | Adult/Special dependant | Child |
|---|---|---|
| 4,250 | 880 | 880 |
Example Roll-over Benefit: (Principal member + spouse + two children) = N$ 6,890.00 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) | 1,270,000 | 2,030,000 | ||||||
| 1. | Healthcare provider or medical specialists | SPA | ||||||
| 1.1 | Consultations or visits: In-hospital | 150% | ||||||
| 1.2 | Procedures: In-hospital | 150% | ||||||
| 2. | Chronic medicine | 9,470 | 14,900 | |||||
| 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 | 100% | ||||||
| 3.4 | Medication | 100% | ||||||
| 3.5 | Accommodation: Private wards | 100% | 12,600 | 24,700 | ||||
| 3.6 | Accommodation other than a recognised hospital or medical institution: SA only | 100% | 875 per day | |||||
| 3.7 | Appliances and prosthesis: Surgical | 100% | 56,100 | 64,800 | ||||
| 3.8 | Refractive surgery: Full procedure - a waiting period of 12 months will apply | 100% | 7,430 | 9,670 | ||||
| 3.9 | Organ transplants: Full procedure | 100% | 121,000 | |||||
| 3.10 | Private nursing | 100% | 29,400 | 29,400 | ||||
| 3.11 | Oncology | 100% | 644,000 | |||||
| 4. | Radiology | SPA | ||||||
| 4.1 | Radiology: Specialised MRI and CT scans - In-and-out of hospital combined | 100% | 23,300 | |||||
| 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% | 56,000 | |||||
| 6.2 | Maxillo facial surgery: Non-elective only | 100% | ||||||
| 6.3 | Dental Implants | |||||||
| 6.3.1 | Hospitalisation | 100% | Subject to Advanced dentistry - Day-to-Day | |||||
| 6.3.2 | Implant: Consultation, procedure and cost | 100% | ||||||
| 7. | Psychiatric treatment | 24,800 | 45,900 | 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 benefits: As per list | 100% | ||||||
| 10. | Specified illness conditions | 42,800 | OAL | |||||
| 10.1 | HIV/AIDS: Including the cost of pathology tests | 100% | SPA | |||||
| 10.2 | Sexually transmitted diseases | 100% | 3,700 | 4,890 | 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% | 29,700 | |||||
| 12.2 | Artificial eyes | 100% | 14,900 | |||||
| 13. | Heart surgery: Rehabilitation | 100% | 18,000 | OAL/SPA | ||||
| 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 | 18,800 | 3,900 | 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 levySubject to acute medicine limit | 100% | 1,210 | 240 | 255 per claim | |
| 2.1.4 | Vitamins, homeopathic and phytotherapy medicines - min levy of N$ 30 - subject to acute medicine limit | 80% | 595 | 210 | 255 per claim | |
| 3. | Dentistry | 10,400 | 20,600 | |||
| 3.1 | Basic dentistry: Subject to sub-limit | 100% | ||||
| 3.2 | Dental technicians | 100% | ||||
| 3.3 | Advanced dentistry | |||||
| 3.3.1 | Orthodontics | 100% | ||||
| 3.3.2 | Dental implants: Full procedure | 100% | ||||
| 4. | Optical | 3,570 | 895 | |||
| 4.1 | Eye tests | 100% | Frame limited to 1 370 | |||
| 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, Naturopathy and Phytotherapy: 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% | 785 | |||
| 6.2 | Preventative Care incentives | 100% | 105 | 105 | ||
| 7. | Roll-over benefit | 100% | 4,250 | 880 | 880 |
- 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.
Information and Services
BMI Calculator
BMI is the abbreviation for your Body Mass Index. In order to calculate your BMI, you need to know your height and weight.
Chronic Lifestyle Diseases
This benefit is only available to NHP Gold, Platinum and Titanium members.
Babyline
Babyline is a 24-hour children’s health advice line manned by paediatric trained registered nurses.
The NHP mobile app
Keep track of benefits, process claims and do much more.
Back and Neck Rehabilitation
The back and neck programme helps members living with chronic back and neck pain.
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.
Young Adults
18-30 years young
- Comprehensive preventive care coverage for routine check-ups and vaccinations.
- Access to virtual health consultations for convenient healthcare support.
- Basic dental and vision coverage for early preventive measures.
- Wellness programmes and resources to promote a healthy lifestyle.
Suggested options:
Establishing Families
31-45 years young
- Enhanced maternity benefits including prenatal and postnatal care.
- Pediatric coverage for vaccinations, well-child visits, and common childhood illnesses.
- Expanded family planning and fertility treatment options.
- Comprehensive coverage for routine and preventive care.
Suggested options:
Mid-Life Professionals
46-60 years young
- Comprehensive coverage for chronic conditions management.
- Specialised screenings for age-related health concerns.
- Access to specialists for managing mid-life health challenges.
- Mental health support and counseling services.
Suggested options:
Seniors
61+ years young
- Back and neck rehabilitation
- Comprehensive coverage for Chronic conditions management
- Specialised screenings for age-related health concerns
- Access to Specialists for managing mid-life health challeneges
