Inclusive Benefits

Below is a list of all the Inclusive Benefits available at NHP. Click on a link below for more information, or simply scroll down.

International Travel Benefit

This benefit provides cover for up to N$10,000,000 per dependant for medical emergencies whilst travelling outside the borders of Namibia including overseas. Cover includes costs related to medical and related expenses, emergency medical assistance, medical evacuation and repatriation, return of child dependants and emergency assistance.

The cover is limited to a maximum travel period of 90 days and 30 days if there is a pre-existing condition. Cover is also only available to people between the ages of 3 months to 80 years. For more information on pre-existing conditions where cover is limited to 30 days and N$ 600 000.00 per case, please contact our NHP Call Centre. Although the Fund offers free International Travel Insurance for members between the ages of 3 years and 80 years, there is a specific provision in the policy that the Insurer (TIC) will not accept any liability in respect of injury or loss sustained directly or indirectly caused by or arising from the following, and will be excluded:

  • Any cardiac or cardiovascular or cerebrovascular disease or conditions thereof or complication that can reasonably be related thereto, if the insured person is over the age of 69 years or has received medical advice or treatment for hypertension 12 months prior to the commencement of the insured journey.
  • Members over the age of 70 are advised to obtain additional travel insurance cover, specific to their age and pre-existing health conditions.

 

To qualify for benefits, you must:

  • Register yourself and those accompanying you before you leave Namibia.
  • Obtain a cover letter and a copy of the policy document from NHP, which shows the policy number and emergency contact details as well as the conditions of cover.
  • Obtain an embassy letter for extended travel.
  • Always obtain a reference number if you have a medical emergency or claim.
  • Obtain a comprehensive medical report with diagnosis from the treating healthcare provider.
  • Keep all invoices and submit all proof of the medical costs paid for and a copy of the airline ticket(s).
  • When you return, complete and submit a claim form attaching all supporting documents.
  • If there is a pre-existing medical condition obtain a report from the local healthcare provider, providing details of treatment 12 months before your travel date.

Please note: Failure of members to do full disclosure in respect of any pre-existing illnesses prior to departure may result in treatment of a possible illness or injury being rejected by the insurer.

Premium Waiver Benefit

All NHP members are provided with a group indemnity insurance cover which, upon the death of the principal member, will pay the monthly contributions to allow members’ dependants to remain on the Fund for up to 3 months. This group indemnity insurance cover is compulsory and does not require any additional monthly contributions from the member.

The risk of this product is fully underwritten by a registered insurer as required by the Medical Aid and Insurance Acts.

To qualify for benefits, the remaining dependant(s) must:

  • Download the claim application form by clicking on the link below,
  • Complete the application form and fax to 061 223 904 or email info@nhp.com.na,
  • Submit a death certificate in respect of the deceased, and
  • Submit proof of paid up membership with the Fund.

Repatriation Benefit

The Repatriation benefit will cover the cost of repatriation in the case of:

  • Emergency transportation within South Africa and Namibia whether by means of bus transport or commercial flight, where a patient is still alive after an emergency treatment.
  • Emergency transportation within South Africa and Namibia where the patient passed away and the mortal remains are repatriated to the town of residence in Namibia.
  • Mortal remains repatriation inclusive from the place of death in Namibia to the mortuary or nearest town within Namibian borders will be paid to a maximum of N$ 15 000.00 per event.
  • Repatriation of mortal remains in Namibia or South Africa is covered is a member or a dependent received pre-authorisation treatment but subsequently passes away

 

For all repatriation enquiries, please contact the NHP Call Centre.