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

The User Guide explains in brief the salient points contained in the Rules at present. You are provided with the User Guide only when joining the Fund. Any subsequent changes to the Fund Rules as well as changes to the benefits and contributions will be announced in the summary of changes document annually. You will also receive a new copy of the Benefit Guide annually. Therefore it is important for you to retain the summary of changes form for future reference.

Please note: The Rules may change and if there is any discrepancy between the Guide and the Rules, the Rules will apply. If you have any questions after reading through the User Guide, please do not hesitate to contact NHP or your Client Liaison Officer.

NHP produces an annual Benefit Guide. This Guide is written in a simple, easy-to-read language to help you understand your medical aid fund and how the Fund works. When we use the word “your” we are referring to the principal member.

The words “your family” mean any dependant of the principal member who has been admitted to the Fund. The Benefit Guide contains the benefits and contributions as approved by the Board of Trustees and will apply for the specific benefit year. The changes for the specific benefit year are subject to approval by NAMFISA. The Fund will not be held liable if your rights are prejudiced or forfeited as a result of failure or neglect to comply with the Rules of the Fund which may arise from failure or neglect to read the communications issued by the Fund in order to inform you, educate and create an awareness of the Rules of the Fund as well as the benefit and contributions offered there under.