starting from

N$ 1,503

per individual principal member

Help me choose

Applying as
Principal Member Age
Spouse Age
How many children
comprehensive hospital plan

Adequate cover for unforeseen events that can have severe financial implications. No benefits in respect of day-to-day treatment, thus best suited to members who are younger and whose health risk is very low

For Employer Groups, all family members use principal member’s age category

For Individuals, all family members use the eldest member’s age category

Contributions for employer group
Age Principal
Special dep
Contributions for individual members
Age Principal
Special dep

The Hospital benefit option offers comprehensive benefits for hospitalisation and related major medical expenses. The Hospital benefit option is ideal for members wishing to self-insure their day-to-day medical expenses while enjoying adequate cover for unforeseen events that can have severe financial implications. This benefit option offers no benefits in respect of day-to-day treatment, thus best suited to members who are younger and whose health risk is very low, thereby enabling them to pay their day-to-day accounts out of their pocket.

Please note: All services are paid at 100% of the NAMAF benchmark tariff, unless indicated to the contrary.

  • In-hospital services only
  • Accommodation and theatre
  • Blood transfusions
  • Refractive surgery
  • Oncology
  • Basic and specialised radiology – In-hospital
  • Oral surgery
  • Rehabilitation of alcohol and drug addiction
  • Back and Neck rehabilitation programme
  • Maternity
  NAMAF tarriff or % thereofPrincipal MemberPer Additional BeneficiaryPer FamilyConditions
Overall Annual Limit 1,220,000 2,710,000 
1.Healthcare provider and medical specialistsSPA
1.1Consultations and visits: In-hospital200 %
1.2Procedures: In-hospital200 %
2.Chronic Medication
2.1Chronic approved – Min levy of N$30: Subject to prior registrationNo benefit
3.Hospital servicesSPA
3.1Accommodation and theatre100 %
3.2Blood transfusions100 %
3.3Dialysis100 %
3.4Medication100 %
3.5Accommodation in private wards100 %12,70025,300
3.6Accommodation other than a recognised hospital or medical institution: SA only100 %835 per day
3.7Appliances and prosthesis: Surgical100 %27,60055,800
3.8Refractive surgery: Full procedure – A waiting period of 12 months will apply100 %7,1109,250
3.9Organ transplants: Full procedure100 %116,000
3.10Private nursing100 %23,30023,300
3.11Oncology100 %650,000
4.1Radiology: Specialised MRI and CT scans in-and-out of hospital combined100 %22,300
4.2Basic radiology: In-hospital100 %
5.1Pathology: In-hospital100 %
6.1Oral surgery: Full procedure100 %53,600
6.2Maxillo facial surgery: Non-elective only100 %
6.3Dental implants
6.4HospitalisationNo Benefits
6.5Consultation, procedure and cost of implantsNo Benefits
7.Psychiatric treatment23,70043,900SPA
7.1Hospitalisation or institutionalisation100 %
7.2Rehabilitation: Alcohol and drug addiction or abuse100 %
8.1Confinement: Full procedure100 %SPA
8.2Antenatal consultations (total consultations)100 %12 visitsOAL
8.32D Sonar scans (total scans)100 %2 ScansOAL
8.4Amniocentesis100 %SPA
8.5Panorama Prenatal test100 %SPA
9.Preventative careOAL
9.1Vaccinations: As per listNo Benefits
10.Specified illness conditions21,700OAL
10.1HIV/AIDS: Including the cost of pathology tests100 %SPA
10.2Sexually transmitted diseases100 %3,5404,680SPA
11.Ambulance services: Only for medical or trauma emergenciesSPA
11.1Air evacuation100 %
11.2Ambulance services100 %
11.3Ambulance services: Inter-hospital transfer100 %4,9204,920
11.4Other transportation80 % 1st transfer and subsequent
12.Artificial limbs and eyes
12.1Artificial limbsNo Benefits
12.2Artificial eyesNo Benefits
13.Heart surgery rehabilitation100%17,200
14.Insertion Mirena Device: All Inclusive – Every 3 years100 %7,080OAL
15.Stoma Care products100 %33,200OAL
16.Back and Neck Rehabilitation Programme100 %Subject to DBC protocolSubject to DBC protocolSubject to DBC protocolOAL
NAMAF tarriff or % thereof Principal Member Per Additional Beneficiary Per Family Conditions
Out-of-hospital: Sub-limit No Benefit No Benefit
1. Healthcare provider and medical specialists No Benefit No Benefit No Benefit
1.1 Consultations or visits: Out-of-hospital No Benefit Max 5 virtual GP consultations Max 5 virtual GP consultations
1.2 Out-of-hospital services No Benefit
1.3 Pathology or radiology: Out-of-hospital No Benefit
1.4 Chronic Lifestyle disease extender benefit No benefit
2. Medicine and injections No Benefit No Benefit No Benefit
2.1 Acute medicine No Benefit
2.1.1 Acute: Pharmacy dispensed – Min. levy of N$ 30 No Benefit
2.1.2 Acute: Doctors dispensed – Min. levy of N$ 30 No Benefit
2.1.3 Self medication: Over-the-counter – No levy: Subject to acute medication limit No Benefit
2.1.4 Vitamins, homeopathic and phytotherapy medication – Min levy of N$30 No Benefit
2.2 Chronic medicine No Benefit
2.2.1 Chronic approved: Subject to prior registration – Min. levy of N$ 30 No Benefit
3. Dentistry No Benefit No Benefit No Benefit
3.1 Basic dentistry: Subject to sub-limit No Benefit
3.2 Dental technicians No Benefit
3.3 Advanced dentistry No Benefit
3.3.1 Orthodontics No Benefit
3.3.2 Dental Implants: Full procedure No Benefit
4. Optical No Benefit No Benefit No Benefit
4.1 Eye tests No Benefit
4.2 Spectacles and lenses: Frames every 2nd year No Benefit
4.3 Orthoptics No Benefit
5. Auxiliary services No Benefit No Benefit No Benefit
5.1 Chiropody No Benefit
5.2 Clinical psychology No Benefit
5.3 Dietician No Benefit
5.4 Homeopathy: Consultation only No Benefit
5.5 Occupational therapy No Benefit
5.6 Social workers No Benefit
5.7 Appliances: Non-surgical No Benefit
5.8 Physiotherapy No Benefit
5.9 Biokinetics No Benefit
5.10 Audiology and speech therapy No Benefit
5.11 Chiropractic No Benefit
5.12 Podiatry No Benefit
6 Smart Saver benefit
6.1 Health Risk Assessment 100% 500
7 Roll-Over Benefit No Benefit
  • No Day-to-Day benefits are available.

  • 1 COVID-19 vaccine regimen per year is covered as part of the Preventative Care benefit for all beneficiaries older than 16 years.

  • No Roll-Over benefit apart from a Smart Saver benefit that is added to a family’s Accumulated Roll-Over benefit on completion of a health risk assessment by the principal member or an adult dependent at any of the Fund’s Wellness Days or at a qualifying pharmacy.

  • Pre-authorised travelling costs for specialist referrals in Namibia partly covered if residing more than 150km

    from Windhoek – accommodation included, limited to N$ 835 per night, maximum of 2 nights per family per annum.

  • Intra ocular lenses included in Appliances and Prosthesis Surgical benefit – limited to N$ 6 700 per lens, refer to 3.7.