Silver

starting from

N$ 2,333

per individual principal member

Help me choose

Applying as
Principal Member Age
Spouse Age
How many children
affordable and flexible

Members can choose how to allocate an annual amount for day-to-day expenses. This benefit option is best suited to members whose health risk can be described as 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
Member
Adult/
Special dep
Child
dep
Contributions for individual members
Age Principal
Member
Adult/
Special dep
Child
dep

The Silver benefit option offers reasonably priced, yet comprehensive benefits for both major and pooled day-to-day medical expenses. The Silver benefit option offers an annual monetary amount allowing members to choose how to allocate these funds for day-to-day expenses. This benefit option is best suited to members whose health risk can be described as low.

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

  • In-hospital & out of hospital services
  • Chronic and acute medicine
  • Basic and specialised radiology – in and out-hospital
  • Dentistry
  • Psychiatric treatment
  • Maternity
  • Preventative Care
  • Dentistry
  • Optical
  • Pathology and auxiliary services
Roll-Over Benefit

For diligent management of your healthcare expenditure:

Principal N$ 3,840.00
Adult/Special dependant N$ 790.00
Child N$ 790.00
Example Roll-over Benefit: (Principal member + spouse + two children) = N$6,210 per year.
  NAMAF tarriff or % thereofPrincipal MemberPer Additional BeneficiaryPer FamilyConditions
Overall Annual Limit 1,220,000 1,940,000 
1.Healthcare provider and medical specialistsSPA
1.1Consultations and visits: In-hospital225 %
1.2Procedures: In-hospital225 %
2.Chronic Medication9,06014,300
2.1Chronic approved – Min levy of N$30: Subject to prior registration80 %
3.Hospital servicesSPA
3.1Accommodation and theatre100 %
3.2Blood transfusions100 %
3.3Dialysis100 %
3.4Medication100 %
3.5Accommodation in private wards100 %12,10023,600
3.6Accommodation other than a recognised hospital or medical institution: SA only100 %835 per day
3.7Appliances and prosthesis: Surgical100 %53,70062,000
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 %28,10028,100
3.11Oncology100 %616,000
4.RadiologySPA
4.1Radiology: Specialised MRI and CT scans in-and-out of hospital combined100 %22,300
4.2Basic radiology: In-hospital100 %
5.Pathology
5.1Pathology: In-hospital100 %
6.DentistrySPA
6.1Oral surgery: Full procedure100 %53,600
6.2Maxillo facial surgery: Non-elective only100 %
6.3Dental implants
6.4Hospitalisation100 %Subject to Advanced Dentistry – Day-to-DaySubject to Advanced Dentistry – Day-to-DaySubject to Advanced Dentistry – Day-to-Day
6.5Consultation, procedure and cost of implants100 %Subject to Advanced Dentistry – Day-to-DaySubject to Advanced Dentistry – Day-to-DaySubject to Advanced Dentistry – Day-to-Day
7.Psychiatric treatment23,70043,900SPA
7.1Hospitalisation or institutionalisation100 %
7.2Rehabilitation: Alcohol and drug addiction or abuse100 %SPA
8.Maternity
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 list100 %
10.Specified illness conditions41,000OAL
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 eyesSPA
12.1Artificial limbs100 %28,400
12.2Artificial eyes100 %14,300
13.Heart surgery rehabilitation100 %17,200OAL
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 18,000 3,700
1. Healthcare provider and medical specialists OAL
1.1 Consultations or visits: Out-of-hospital 100 % Max 5 virtual GP consultations Max 5 virtual GP consultations
1.2 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: Pharmacy dispensed – Min. levy of N$ 30 80 %
2.1.2 Acute: Doctors dispensed – Min. levy of N$ 30 80 %
2.1.3 Self medication: Over-the-counter – No levy: Subject to acute medication limit 100 % 1,160 230 245 per claim
2.1.4 Vitamins, homeopathic and phytotherapy medication – Min levy of N$30 80 % 570 200 245 per claim
3. Dentistry 9,980 19,700
3.1 Basic dentistry: Subject to sub-limit 100 %
3.2 Dental technicians 100 %
3.3 Advanced dentistry
3.3.1 Orthodontics 100 %
3.3.2 Dental Implants: Full procedure 100 %
4. Optical 3,420 855
4.1 Eye tests 100 %
4.2 Spectacles and lenses: Frames every 2nd year 100 % Frame limit to N$ 1,310
4.3 Orthoptics 100 %
5. Auxiliary services
5.1 Chiropody 100 % 15 visits
5.2 Clinical psychology 100 % 15 visits
5.3 Dietician 100 % 15 visits
5.4 Homeopathy: Consultation only 100 % 15 visits
5.5 Occupational therapy 100 % 15 visits
5.6 Social workers 100 % 15 visits
5.7 Appliances: Non-surgical 100 % SPA
5.8 Physiotherapy 100 % 15 visits
5.9 Biokinetics 100 % 15 visits
5.10 Audiology and speech therapy 100 % 15 visits
5.11 Chiropractic 100 % 15 visits
5.12 Podiatry 100 % 15 visits
  • 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$ 245 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$ 835 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$ 6 700 per lens. Refer to 3.7.

  • Blood pressure monitor: N$ 610 per beneficiary.

  • Auxiliary services – 15 consultations inclusive of 5 virtual consultations per listed specialities. Subject to available benefits.