starting from

N$ 2,121

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
Special dep
Contributions for individual members
Age Principal
Special 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$ 3,600.00
Adult/Special dependant N$ 740.00
Child N$ 740.00
Example Roll-over Benefit: (Principal member + spouse + two children) = N$5,080 per year.
  NAMAF tarriff or % thereofPrincipal MemberPer Additional BeneficiaryPer FamilyConditions
Overall Annual Limit 1,140,000 1,820,000 
1.Healthcare provider and medical specialistsSPA
1.1Consultations and visits: In-hospital225 %
1.2Procedures: In-hospital225 %
2.Chronic Medication8,49013,400
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 %11,30022,200
3.6Accommodation other than a recognised hospital or medical institution: SA only100 %780 per day
3.7Appliances and prosthesis: Surgical100 %50,40058,100
3.8Refractive surgery: Full procedure – A waiting period of 12 months will apply100 %6,6708,670
3.9Organ transplants: Full procedure100 %103,000
3.10Private nursing100 %26,40026,400
3.11Oncology100 %577,000
4.1Radiology: Specialised MRI and CT scans in-and-out of hospital combined100 %19,800
4.2Basic radiology: In-hospital100 %
5.1Pathology: In-hospital100 %
6.1Oral surgery: Full procedure100 %50,300
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 treatment22,30041,100SPA
7.1Hospitalisation or institutionalisation100 %
7.2Rehabilitation: Alcohol and drug addiction or abuse100 %SPA
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 conditions38,500OAL
10.1HIV/AIDS: Including the cost of pathology tests100 %SPA
10.2Sexually transmitted diseases100 %3,3204,380SPA
11.Ambulance services: Only for medical or trauma emergenciesSPA
11.1Air evacuation100 %
11.2Ambulance services100 %
11.3Ambulance services: Inter-hospital transfer100 %4,6104,610
11.4Other transportation80 % 1st transfer and subsequent
12.Artificial limbs and eyesSPA
12.1Artificial limbs100 %26,700
12.2Artificial eyes100 %13,400
13.Heart surgery rehabilitation100 %16,100OAL
14.Insertion Mirena Device: All Inclusive – Every 3 years100 %6,640OAL
15.Stoma Care products100 %31,100OAL
16.Back and Neck Rehabilitation Programme100 %Subject to DBC protocolSubject to DBC protocolSubject to DBC protocolOAL
  NAMAF tarriff or % thereofPrincipal MemberPer Additional BeneficiaryPer FamilyConditions
Out-of-hospital: Sub-limit 16,9003,500  
1.Healthcare provider and medical specialistsOAL
1.1Consultations or visits: Out-of-hospital100 %Max 5 virtual GP consultationsMax 5 virtual GP consultations
1.2Out-of-hospital services100 %
1.3Pathology or radiology: Out-of-hospital100 %
1.4Chronic Lifestyle disease extender benefitNo benefit
2.Medicine and injections
2.1Acute medicine
2.1.1Acute: Pharmacy dispensed – Min. levy of N$ 3080 %
2.1.2Acute: Doctors dispensed – Min. levy of N$ 3080 %
2.1.3Self medication: Over-the-counter – No levy: Subject to acute medication limit100 %1,080215230 per claim
2.1.4Vitamins, homeopathic and phytotherapy medication – Min levy of N$3080 %530185230 per claim
3.1Basic dentistry: Subject to sub-limit100 %
3.2Dental technicians100 %
3.3Advanced dentistry
3.3.1Orthodontics100 %
3.3.2Dental Implants: Full procedure100 %
4.1Eye tests100 %
4.2Spectacles and lenses: Frames every 2nd year100 %Frame limit to N$ 1,230
4.3Orthoptics100 %
5.Auxiliary services
5.1Chiropody100 %15 visits
5.2Clinical psychology100 %15 visits
5.3Dietician100 %15 visits
5.4Homeopathy: Consultation only100 %15 visits
5.5Occupational therapy100 %15 visits
5.6Social workers100 %15 visits
5.7Appliances: Non-surgical100 %SPA
5.8Physiotherapy100 %15 visits
5.9Biokinetics100 %15 visits
5.10Audiology and speech therapy100 %15 visits
5.11Chiropractic100 %15 visits
5.12Podiatry100 %15 visits
  • Flu vaccines are covered as part of the Preventative Care benefit.
  • 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$230 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$780 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.