Frequently Asked Questions

You can browse the topics below to find what you are looking for.

I need specific treatment that is not available in Namibia; does NHP cover my accommodation expenses in this case?

Additional in-hospital cover

Can I belong to more than one Medical Aid Fund? (Dual membership)

Can I change my Benefit Option?

Can I register an adult as a dependant?

Can my exclusions be waived?

Dentistry in-hospital

Do I need Pre-authorisation for treatment in hospital?

Fraud and abuse against the Fund

How are benefits allocated?

How do I apply for NHP membership?

How do I know if my membership application has been successful?

How do I know what the Rules of the Fund are, and understand what my benefits are?

How do I pay my monthly contributions?

How do I register a child as a dependant?

How do I use my accumulated Roll-Over Benefit to claim?

How do the contribution tables relate to value for money?

How is the Nexus Administration System useful to me?

How is the Preventative care benefit useful to me?

I don’t live in Windhoek, but I need to visit a specialist there for treatment – can I claim accommodation expenses at an establishment other than a recognised hospital/medical institution?

I need an ambulance; can I use any Emergency evacuation service?

If any of my contact or account details change, how do I notify NHP?

If I am on the Blue Diamond or Litunga option, what happens with pre-authorization for after hours/emergencies?

If I am referred for treatment in the RSA, but I do not need to be hospitalised or treated in a recognised medical institution, do I need to pay for my accommodation?

If I have a business with less than 10 employees do I qualify for Employer Group membership rates?

If I have to transfer my medical aid due to a change of employer, how does this affect me?

If I pass away, and I am the principal member, do my surviving dependants retain their membership with the fund?

If I resign from the Fund, can I cash in my Roll-Over benefits?

If I want to cancel my membership, what is the procedure?

If the principal member passes away, what happens to the roll-over benefit?

Is payment for hospital treatment guaranteed if pre-authorisation is approved?

Management of risk / Managed care

The nearest specialist who can treat me is in Windhoek, and I live more than 150km away – does NHP cover the costs of travelling for this purpose?

What are monthly contributions and how are they calculated?

What are pre-existing conditions and can they affect my access to benefits?

What are the medical certificate requirements for employer groups?

What are the medical declaration/certificate requirements for individual members?

What can I use my Roll-Over benefits for?

What happens if I miss a monthly contribution payment?

What is a “Student member”?

What is a “Waiting period” and how does it affect me?

What is a special/adult dependant?

What is an “Employer Group”?

What is an “Individual member”?

What is major medical expenses (MME’s)?

What is meant by a financial year/benefit year?

What is meant by medical aid tariff?

What is my liability as a member?

What is my Overall Annual Limit (OAL)?

What is the 1Number4Life policy?

What is the relationship between Medscheme Namibia and NHP?

What is the Roll-Over Benefit?

What role does NAMAF and NAMFISA play in the medical aid industry?

When do Pro-rated annual benefits apply?

Which Benefit Options will suit my needs?

Who is the Principal member?

Why are NHP’s benefits “Family focused”?

Why do I need to submit a medical certificate with my Application for membership?

Why does NHP advise on Case management?

Why is it important to use a registered healthcare provider with a valid NAMAF practice number?