Our Benefits - Options and Benefits

Key Benefits

Hospital: Major medical expenses

AHB Cover: GPs and specialists in-hospital services payable to a maximum of 150% of the NAMAF tariff

Benefit	Cover
Accommodation and Theatre	100%
Physiotherapy and Biokinetics (In-hospital)	100%
Post Rehabilitation Physiotherapy, Biokinetics and Occupational Therapy	100%
MRI and CT Scans	100%
Internal Appliances and Materials	100% of Cost
Oncology Consultations and Procedures Out-of-Hospital MRI/CT Scans and Other Specialised Radiology Procedures In and Out-of-Hospital Radiation Oncology (Referral from a medical specialist only) Oncology Medication (Chemotherapy, radiotherapy and hormone therapy) Hospitalisation and Related Procedures In-Hospital	100%
Dialysis/Organ Transplant	100%
Corrective Eye Surgery – All-inclusive Refractive Surgery Cataract Surgery and Lens Implants	100%
Maternity - Confinement – Full Procedure Confinement – full procedure 12 Ante-natal consultations per Beneficiary Six sessions, ante-/post-natal classes and education Three sonar scans per Beneficiary per pregnancy	100%

Day-to-Day Benefits

Benefit	Cover
General Practitioners and Specialists	100%
Medicine and Injections Acute and Chronic Essential Vaccination/Immunisation (As per WHO guidelines) Self-Medication	100%
Primary Health Care Services	100%
Dentistry	100%
Optical	100%
Auxiliary Services	100%
Specified Illness Conditions	100%

Contributions

Individuals
Age Band		Main	Adult	Child
0	25	2,869	1,962	893
26	30	3,199	2,240	893
31	35	3,520	2,480	893
36	40	3,970	2,825	893
41	45	4,357	3,135	893
46	50	4,708	3,414	911
51	55	5,151	3,729	911
56	60	5,507	4,017	911
61	65	5,886	4,307	911
66+		6,255	4,616	911

Groups
Age Band		Main	Adult	Child
0	25	2,619	1,714	756
26	30	2,902	1,911	756
31	35	3,101	2,089	756
36	40	3,388	2,310	756
41	45	3,736	2,586	756
46	50	3,977	2,769	800
51	55	4,291	3,034	800
56	60	4,597	3,261	800
61	65	4,873	3,480	800
66+		4,896	3,500	800

OVERALL ANNUAL BENEFIT (OVERALL ANNUAL LIMIT)			N$1 500 00 Per Beneficiary N$1 800 000 Per Family
Category A: Hospitalisation Benefit		% NAMAF Tariff	Pre-authorisation: 100% of the tariff will be paid. Without Pre-authorisation: No benefit will be paid except in the case of emergency hospital admissions and emergencies after-hours, weekends and public holidays.
Additional Hospital Benefit Cover: GPs and specialists in-hospital services are paid up to a maximum of 150% of the NAMAF tariff. OVERALL LIMIT
		COVER	M	M1	M2	M3	M4	M5+
1.	Hospitalisation	100%	Overall Annual Limit
	1.1. Accommodation and Theatre		Overall Annual Limit
	1.2. Accommodation in Private Wards (Difference between the general and private ward tariffs)		N$7 500 per Beneficiary N$16 500 per Family
	1.3. Intensive and high care (Maximum three days, then motivation)		Overall Annual Limit
	1.4 Blood Transfusions
	1.5. Radiology and Pathology (in-hospital) Additional Hospital Benefit cover excluded
	1.6. Physiotherapy and Biokinetics Additional Hospital Benefit cover excluded (Subject to prior approval)
	1.7. Post Rehabilitation Physiotherapy, Biokinetics and Occupational Therapy Additional Hospital Benefit cover excluded Additional benefit once the patient is out of hospital or transferred to rehabilitation facility Benefit available within three months from hospital discharge (Subject to prior approval)		N$5 000 per Beneficiary Overall Annual Limit
	1.8 Medicine, Fixed Tariff Procedures, Hospital Apparatus, and To Take Out Medicine (Seven days supply only)		Overall Annual Limit
	1.9 Dialysis (Subject to Case Management and MHC guidelines)
	1.10 Organ Transplant (Subject to Case Management and MHC guidelines) Including medical expenses incurred by the donor if the recipient is a Fund member
	1.11. Internal Appliances and Materials (As per NMC protocol)	100% of Cost
2.	General Practitioners and Specialists (In-Hospital Services) Additional Hospital Benefit cover included except the use of equipment and equipment hire fees	100%	Overall Annual Limit
3.	Specialised Radiology Procedures (In and Out-of-Hospital) Additional Hospital Benefit cover excluded A referral is only acceptable from a medical specialist (referral from a GP acceptable in places where there is no medical specialist) (Subject to prior approval)	100%	Overall Annual Limit
	3.1 MRI and CT Scans		N$27 000 per Family
	3.2 Nuclear Medicine		Overall Annual Limit
4.	Maternity (Groups have cover from the date of joining. Individuals have a nine-month waiting period)	100%	Overall Annual Limit
	4.1. Confinement – full procedure		Overall Annual Limit
	4.2. Antenatal Consultation 12 consultations per Beneficiary (Prorated from the date of joining) Additional Hospital Benefit cover excluded		Payable from the Maternity Benefit
	4.3. Ante/Postnatal Classes and Education Six sessions per Beneficiary (Prorated from the date of joining) Additional Hospital Benefit cover excluded
	4.4. Sonar Scans (Excluding 3D) Three scans per Beneficiary per Pregnancy Additional Hospital Benefit cover excluded
	4.5. Tests for Chromosonal and Foetal Abnormalities Additional Hospital Benefit cover excluded
	4.6. Midwifery Service Additional Hospital Benefit cover excluded
5.	Insertion of Intrauterine Device w/ Hormone (All-inclusive) (Subject to prior approval) (Prorated from the date of joining)	100%	N$6 500 per Beneficiary Overall Annual Limit
6.	Oncology (Subject to Case Management and MHC guidelines)	100%	N$600 000 per Beneficiary Overall Annual Limit
	6.1 Consultations and Procedures Out-of-Hospital
	6.2 MRI/CT Scans and Other Specialised Radiology Procedures In and Out-of-Hospital - Additional Hospital Benefit cover excluded - Referral from a medical specialist only
	6.3 Radiation Oncology (Referral from a medical specialist only)
	6.4 Oncology Medication (Chemotherapy, radiotherapy and hormone therapy)
	6.5 Hospitalisation and Related Procedures In-Hospital		Overall Annual Limit
7.	Corrective Eye Surgery – All-inclusive (Subject to prior approval and MHC guidelines) Groups have cover from the date of joining Individuals have a one-year waiting period	100%	Overall Annual Limit
	7.1 Refractive Surgery		N$13 850 per Beneficiary once-off N$17 750 per Family
	7.2 Cataract Surgery and Lens Implants		N$18 750 per eye per Beneficiary once-off
8.	Reconstructive Surgery (Medical necessity only) (Subject to prior approval and subject to strict MHC Guidelines)	100%	Overall Annual Limit
	8.1 Consultation and Procedure		N$6 750 per Family
	8.2 Hospitalisation		Overall Annual Limit
9.	Private Nursing/Frail Care/Hospice (Subject to Case Management)		N$21 750 per Family Overall Annual Limit
10.	Psychiatric Treatment – Hospitalisation (Subject to prior approval and MHC Guidelines)	100%	N$32 750 per Family Overall Annual Limit
11.	Alcoholism/Drug Addiction (Subject to prior approval and MHC guidelines)	100%	N$32 750 per Family Overall Annual Limit
12.	Specialised Dental Surgery Additional Hospital Benefit cover excluded (Subject to pre-authorisation)	100%	Overall Annual Limit
	12.1 Maxillo-Facial and Oral Surgery (trauma/non-elective) All-inclusive		N$92 500 per Family
	12.2 Maxillo-Facial, Oral Surgery and Dental Implants (other/ elective) All-inclusive		N$29 250 per Beneficiary N$36 250 per Family N$3 800 per dental implant component
	12.3 Maxillo-Facial and Oral Surgery (Including Dental Implants)(other/non-elective) In-practice (surgical procedures performed in a doctor’s room)	150%	Payable from Maxillo-facial, Oral Surgery and Dental Implants (other/elective)
	12.4 Maxillo-Facial and Oral Surgery - Internal Prosthesis (excluding dental Implant component)	100% of Cost	Payable from Internal Appliances under Hospital Benefit
13.	Stomal therapy (All-inclusive) (Subject to prior approval)	100%	N$28 750 per Family Overall Annual Limit
14.	Ambulance and Evacuation Services	100%	Overall Annual Limit
	14.1 Emergency Ambulance and Flights (Territory: SADC Countries) (Subject to prior approval)		Unlimited Benefit
	14.2 Ambulance/Inter-hospital Transfer (Subject to prior approval)		N$5 500 per Beneficiary
15.	Medical Referral (Subject to prior approval and accommodation and travelling reimbursement protocols)		Overall Annual Limit
	15.1. Transport	70% of Cost	N$10 150 per Family
	15.2 Accommodation Other than a Recognised Hospital/Medical Institution (Maximum of two days)	100% of Cost	N$620 per day per Family
16.	International Medical Travel Insurance Medical cover when travelling to foreign countries For emergency cases only (not for elective surgery or procedure)	100% of Cost	N$10 000 000 per incident

CATEGORY B: DAY-TO-DAY BENEFIT		COVER	Sub-limits are pro-rated from date of joining, except the Optical Benefit. OVERALL LIMIT
CATEGORY B: DAY-TO-DAY BENEFIT		COVER	M	M1	M2	M3	M4	M5+
17.	General Practitioners and Specialists (out-of-hospital, including casualties) Telephonic/Virtual Consultations (telephonic/virtual writing of prescriptions not payable) Seven virtual/telephonic consultations per Beneficiary	100%	N$9 000	N$11 800	N$12 300	N$12 550	N$12 800	N$13 050
	17.1. Consultations/Visits (Out-Of-Hospital, Including Casualties)		Payable from General Practitioners and Specialists Benefit
	17.2. Procedures (Out-Of-Hospital Services, Including Casualties)
	17.3. Materials and Disposable Items
	17.4. Radiology and Pathology (Out-of-hospital, including radiography, sonography, medical laboratory technology and chemical biochemistry) (Referral from a medical practitioner)
	17.5 MRI and CT Scan		Payable from the MRI and CT Scan Benefit
	Benefit Booster Applicable (additional benefit once limit is exceeded)
18.	Medicine and Injections	SEP + 40%	N$14 630	N$16 180	N$16 740	N$17 390	N$18 050	N$18 650
	18.1. Acute Paid at the maximum Namibia medicine price list on generics	85%	N$5 400	N$5 700	N$5 900	N$6 150	N$6 400	N$6 650
		85%	N$5 400 per Beneficiary
	18.2. Chronic Paid at the maximum Namibia medicine Price List on generics		N$8 100	N$9 250	N$9 450	N$9 700	N$9 950	N$10 200
	18.2.1. Members aged 65 and below	85%	No Limit per Beneficiary Payable from Medicine and Injections
	18.2.2. Members aged 66 and above	100%
	18.3. Essential Vaccination/Immunisation (As per WHO guidelines) Paid at the maximum Namibia medicine price list on generics	100%	Payable from Medicine and Injections
	Benefit Booster Applicable (additional benefit once limit is exceeded)
	18.4. Self-medication Paid at the maximum Namibia medicine price list on generics	100%	N$1 130	N$1 230	N$1 390	N$1 540	N$1 700	N$1 800
		100%	N$183 per claim per Beneficiary per day
19.	Primary Health Care Services		N$1 000	N$1 200	N$1 350	N$1 500	N$1 650	N$1 800
19.	Primary Health Care Services		N$1 000 per Beneficiary
	19.1. Consultations and Procedures	100%	Payable from Primary Health Care Services
	19.2. Medicine and Injections (Paid at the maximum Namibia medicine price list on generics)	100%	Payable from Acute Medication
	Benefit Booster Applicable (additional benefit once limit is exceeded)
20.	Dentistry
	20.1 Conservative and Specialised Dentistry (Including Dental Therapy)	100%	N$10 500	N$12 250	N$13 500	N$14 000	N$14 250	N$14 500
		100%	N$10 500 per Beneficiary
	20.2. Maxillo-Facial, Oral Surgery and Dental Implants In-practice consultation and non-surgical procedures		Payable from Dentistry Benefits
	Benefit Booster Applicable (additional benefit once limit is exceeded)
	20.3 Orthodontics (Subject to prior approval and MHC Guidelines)	100%	N$13 250 per Beneficiary once-off
21.	Optical Benefits Every two years (Including frame) (2023-2024)		N$3 350	N$6 700	N$6 900	N$7 100	N$7 300	N$7 500
21.			N$3 350 per Beneficiary
	21.1 Optical Tests	100%	Payable from Optical Benefits
	21.2 Spectacles and Lenses	100%	Payable from Optical Benefits
	21.3 Frame	100% of Cost	N$1 140 per Beneficiary
	20.4 Readers Spectacles	100% of Cost	N$105 per Beneficiary
22.	Auxiliary Services		N$11 850	N$13 000	N$13 150	N$13 400	N$13 650	N$13 900
22.	Auxiliary Services		N$11 850 per Beneficiary
	22.1 Art Therapy	100%	Payable from Auxiliary Services
	22.2 Audiology/Speech Therapy	100%	Payable from Auxiliary Services
	22.3 Biokinetics	100%	N$4 050 per Beneficiary
	22.4. Chinese Medicine	100%	N$4 050 per Beneficiary
	22.5 Chiropractor		Payable from Auxiliary Services
	22.5.1 Consultation and Procedure	100%	Payable from Auxiliary Services
	22.5.2 Medicine	80%	Payable from Acute Medicine and Injections
	22.6 Clinical Psychology/Psychological Counsellor	100%	N$4 050 per Beneficiary
	22.7 Clinical Technology	100%	Payable from Auxiliary Services
	22.8 Dietician	100%
	22.9 Hearing Aid Acoustician	100%
	22.10 Homeopathy/Naturopathy/Phytotherapy
	22.10.1 Consultation and Procedure	100%
	22.10.2 Medicine	80%	Payable from Acute Medicine and Injections
	22.11 Occupational Therapy	100%	Payable from Auxiliary Services
	22.12 Orthotist/Prosthetist	100%	Payable from Auxiliary Services
	22.13 Physiotherapy	100%	N$4 050 per Beneficiary
	22.14 Podiatry/Chiropody	100%	Payable from Auxiliary Services
	22.15 Social Worker	100%	N$4 050 per Beneficiary
	Benefit Booster is Applicable (additional benefit once limit is exceeded)
23.	Wheelchair (Subject to prior approval) Inclusive of repair and maintenance	100% of Cost	N$8 850 per Beneficiary every four years (2024-2027)
24.	Artificial Limbs (Subject to prior approval)	100% of Cost	N$18 450 per Beneficiary every two years (2024-2025)
25.	Artificial Eyes (Subject to prior approval)	100% of Cost	N$5 750 per Beneficiary every four years (2024-2027)
26.	Hearing Aid Apparatus (Subject to prior approval) Inclusive of repair and maintenance	100% of Cost	N$28 000 per Family every three years for both ears (N$14 000 per ear) (2023-2025)
27.	Appliances (External) (Subject to MHC guidelines)	80% of Cost	N$4 550 per Family
28.	Medical Devices for Diabetes Management (Subject to prior approval and MHC Guidelines)
	28.1 Insulin Pumps	80% of Cost	N$35 000 per Beneficiary every four years (2023– 2026)
	28.2 Other Diabetes Devices and Related Consumables	80% of Cost	N$51 000 per Beneficiary
29.	Specified Illness Conditions		N$31 000	N$44 750	N$44 750	N$44 750	N$44 750	N$44 750
	29.1 HIV/AIDS (As per national guidelines for antiretroviral therapy)		N$31 000 per Beneficiary
	29.1.1 Medicine Paid at the maximum Namibia medicine price list on generics	100%	Payable from Specified Illness Conditions
	29.1.2 First Full HIV Consultation/Assessment Once-off benefit	$480
	29.1.3 Consultation (after the first full HIV Consultation/Assessment) Six consultations per Beneficiary	$440
	29.1.4 HIV Counselling	100%	N$1 300 per Beneficiary
	29.1.5. Pathology Tests	100%	N$5 950 per Beneficiary
	29.1.6. HIV Resistance Test (Subject to prior approval)	100%	Payable from Specified Illness Conditions
	29.2. Prevention of Mother-to-Child Transmission (PMTCT) As per national guidelines	100%
	29.3. Post-Exposure Prophylaxis (PEP) As per national guidelines	100%
	29.4. Pre-Exposure Prophylaxis (PrEP) As per national guidelines	100%
30.	Benefit Booster Applicable if Medicine and Injections, Dentistry, GPs’ and Specialists, Primary Health Care & Auxiliary Services benefits are depleted		N$1 935 per Beneficiary N$3 990 per Family
	30.1. Medicine and Injections (Acute and Chronic) Excluding self-medication	70%	Payable from Benefit Booster
	30.2. Dentistry (Excluding orthodontics)	70%
	30.3. General Practitioners and Specialists (Consultations/visits and procedures/services out-of-hospital, including casualties)	80%
	30.4. Primary Health Care	80%
	30.5. Auxiliary Services	70%

CATEGORY C: BACK-UP BENEFIT	COVER
CATEGORY C: BACK-UP BENEFIT	COVER	M	M1	M2	M3	M4	M5+
Threshold Limit		5 260	5 950	6 170	6 400	6 620	6 840
Back-Up Benefit: The Back-up benefit aims to reward members and their dependants with low claims on the following specified day-to-day benefits: 1. Medicine and Injections per family limit 2. Optical per family limit 3. Auxiliary Services per family limit Suppose the actual total amount paid by NMC per family on the day-to-day benefits stipulated above for the current benefit year is less than the threshold limit. In that case, the member qualifies for Back-Up Benefit the following year, such as on the 2025 benefit year. The Back-up benefit is calculated as 15% of the difference between the Threshold Limit and the actual total amount paid by NMC on the day-to-day benefits stipulated above. The Back-up benefit will only be calculated at the end of April 2025 to ensure that all day-to-day claims, as stipulated above for the current benefit year, are included. Claims against the Back-up benefit for the current benefit year will only be processed after the end of April 2025. The unused Back-up benefit can be accumulated and carried over to the following benefit year. If the member resigns from NMC, any Back-up benefit balance will go to the Fund reserves. If the member passes away and their dependants remain with NMC, the Back-up benefit will be transferred to the remaining dependants. The Back-up benefit can be used to pay the excess on the NAMAF Tariffs, member co-payments and rejected claims in terms of NMC rules. The Back-up benefit cannot be used to pay for claims rejected due to non-compliance with the NAMAF billing rules and guidelines.


EXAMPLE OF HOW THE BACK-UP BENEFIT WILL BE CALCULATED
	M	M1	M2	M3	M4	M5+
A. The total amount paid by NMC (at the end of April 2025 for 2024 claims) for the following family limits: Medicine and Injections Optical Auxiliary Services	2 500	4 250	25 500	7 250	8 500	6 000
B. Threshold Limit	5 260	5 950	6 170	6 400	6 620	6 840
C. Difference: Threshold Limit (B) - Total Paid Amount (A)	2 760	1 700	0	0	0	840
D. Back-up Benefit = 15% of C (Available from 01 May 2025)	690	425	Does not qualify because The Total Benefit Amount (A) is more than the Threshold Limit (B)			210

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Our Benefits - Options and Benefits | NMC

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