Comprehensive Medical Aid Option And Premium Healthcare

The Nammed Comprehensive medical aid option offers premium healthcare benefits associated with hospitalisation and day-to-day medical expenses. Ideal for members wishing to cover their medical costs to the greatest extent possible or for those whose health risks may be perceived as high.

The Comprehensive option has an unlimited overall annual benefit.

The option starts from N$4 371 per month.

Ideal life stages suited to the Comprehensive medical aid option:

Grey Foxes ages 56-60
Wise Owls ages 61+

Hospitalisation & Sub-Acute Facilities

Ward Fees - Hospital (Private ward accommodation will be covered at General Ward rates unless approved by the Fund	100% of Namaf Tariff	Y
Ward Fees - Sub-Acute	100% of Namaf Tariff	Y
Theatre fees, recovery rooms, Intensive Care & High Care	100% of Namaf Tariff	Y
Medicine & Materials used in hospital (Subject to agreed reimbursement model) TTO medicine limited to a seven (7) day supply	100% of Cost	Y

Medical Specialists & General Practitioners

Hospital visits (subject to OAL)	225% of Namaf Tariff	Y
Surgical procedures in theatre (subject to OAL	225% of Namaf Tariff	Y

Organ Transplants Subject to OAL (All inclusive)

The supply & transportation of the organ plus hospital accommodation (Services rendered to donor are excluded from benefit)	100% of Namaf Tariff	Y
Immuno-suppressant drugs (subject to pre-authorisation)	100% of Namaf Tariff	N$ 103 900 per family
Renal Dialyses (On application and approval)	100% of Namaf Tariff	N$ 208 800 per family

Internal Prostheses (subject to OAL) Including cement and antibiotics

Any INTERNAL prosthesis not specified (includes materials used and actual cost of prosthesis) - per annum	100% of Cost	N$ 45 050 per family
Cardiac stents limited to three (3) stents - per annum	100% of Cost	N$ 26 200 per stent
Cardiac pacemaker - per annum	100% of Cost	N$ 64 700 per family
Cardiac valves limited to two (2) valves - per annum	100% of Cost	N$ 37 550 per valve
Total hip replacement limited to two (2) hips - per annum	100% of Cost	N$ 45 050 per hip
Total knee replacement limited to two (2) knees - per annum	100% of Cost	N$ 45 050 per knee
Total shoulder replacement limited to two (2) shoulders - per annum	100% of Cost	N$ 45 050 per shoulder
Spinal instrumentation - per annum	100% of Cost	N$ 40 750 per family

Medical Appliance and External Prosthesis (Subject to pre-authorisation)

Any EXTERNAL prosthesis not specified below (subject to submission of two quotes)	100% of Cost	N$ 23 350 per family
Artificial leg or part thereof	100% of Cost	N$ 49 450 per family
Artificial arm or part thereof	100% of Cost	N$ 49 450 per family
Artificial Eye	100% of Cost	N$ 16 800 per family
Hearing aids subject to a maximum of two (2) per beneficiary every four (4) years	100% of Cost	N$ 23 350 per device

Radiotherapy and/or Oncology

All services (including chemicals) - Subject to OAL

100% of Namaf Tariff

Optical Benefits

Consultation by an Optometrist	100% of Namaf Tariff	M+0 = N$ 6 250 plus N$ 2 170 per beneficiary. Frame included in benefit and limited to N$ 2 170
Spectacles (frames and lenses), contact lenses Prescription sunglasses (only on specialist recommendation)

Dental Surgery(Subject to pre-authorisation)

Trauma Surgery (Subject to OAL)	225% of Namaf Tariff	Y
Maxillo facial and oral surgery: Hospital visits (Subject to OAL)	225% of Namaf Tariff	Y
Maxillo facial and oral surgery: Elective procedures in theatre	225% of Namaf Tariff	N$ 12 650 per family
Dental implants procedure in theatre (Hospitalisation and Anaesthetist)	100% of Namaf Tariff - Hospitalisation 225% of Namaf Tariff - Anaesthetist	N$ 8 400 per family

Specialised Dentistry

Specialised Dentistry (Overall limit)		M+0 = N$ 47 950 M+1 = N$ 53 650 M+2 = N$ 56 350 M+3 = N$ 57 850 M+4 = N$ 59 250 M+5 = N$ 62 050
Orthodontic treatment (subject to registration and provision of a treatment plan) Subject to specialised dentistry overall limit	100% of Cost	N$ 30 400 per family
Other specialised Dentistry & Dental implants(e.g. crowns, bridges, extra oral radiographs, surgical tooth extractions, metallic, ceramic or resin inlays, root canal Dental Consultation, procedure & implant component)	100% of Namaf Tariff	M+0 = N$ 28 250 M+1 = N$ 33 150 M+2 = N$ 35 950 M+3 = N$ 38 750 M+4 = N$ 40 850 M+5 = N$ 43 750

Basic Dental

Additional Basic Conservative Dental Benefit (e.g. comprehensive consultation,
root canal, oral hygiene counselling, refinement of restorations, treatment of hypersensitive dentine, partial & full dentures)

100% of Namaf Tariff

M+0 = N$ 3 900
M+1 = N$ 6 400
M+2 = N$ 7 550
M+3 = N$ 8 450
M+4 = N$ 9 600
M+5 = N$ 10 600

Medication

Self Medication (including selected sunscreens and vitamins)	100% of Pricing Structure	N$ 1 500 per family per quarter one and four N$ 1 800 per family per quarter two and three
Acute/Prescribed Medication 20% script levy at point of service	100% of Pricing Structure	M+0 = N$ 9 150 M+1 = N$ 14 000 M+2 = N$ 17 300 M+3 = N$ 20 000 M+4 = N$ 22 700 M+5 = N$ 25 250
Chronic medication - Subject to Fund approval (Application forms are available on request)	100% of Pricing Structure	N$ 46 750 per family 20 % Script levy - member over 65 - 0% script levy

Specialised Medication

Biological drugs applicable to monoclonal antibodies and interleukins Tyrosine
Kinase inhibitors, Azacitidine, Proteasome inhibitors

100% of Pricing Structure

N$ 208 800 per family

HIV Medication

Anti-retroviral Medication therapy

100% of Pricing Structure

As per available chronic medication - No script levy

Specialised Radiology In and Out of hospital

MRI, CT & Bone Density Scans (On Specialist request) Subject to pre-authorisation	100% of Cost	100% of Cost N$ 37 650 per family
US Scans and Mammogram	100% of Cost	As per available Specialised Radiology benefit
Radiology & Pathology while hospitalised	100% of Cost	Y
Pregnancy sonars (Limited to 3 sonars per pregnancy)	100% of Cost	Y

Maternity Benefit (Subject to OAL)

Medical practitioner visits in hospital	225% of Namaf Tariff	Y
Medical practitioner: Surgical procedures in theatre	225% of Namaf Tariff	Y
Labour and ward fees: Length of stay limited to: * Normal birth - 3 days * Caesarean - 4 days Refer to page 15 for more information on the N$2 500 incentive for normal birth	100% of Namaf Tariff	Y
Midwife services (Limited to N$ 13 000 per case)	100% of Namaf Tariff	Y
12 Ante-natal consultations per family per annum	100% of Namaf Tariff	Y
6 Childbirth education classes (maximum of N$ 200/class. Subject to 12 Ante natal consultations )	100% of Cost	Y
4 Visits to General Practitioner in first year of new-born	100% of Namaf Tariff	Y
Immunisations from birth to 10 years.	100% of Pricing Structure (0% script levy)	Y
Fist visit to Paediatrician for 6 week check-up	100% of Namaf Tariff	Y

Other Services (Subject to OAL)

Physiotherapy in hospital (3 months rehabilitation after surgery included)	100% of Namaf Tariff	Y
Blood Transfusion	100% of Cost	Y
Radial Keratotomy/Examiner Laser procedures	100% of Cost	N$ 22 500 per family
Hyperbaric Oxygen therapy (subject to approval) (Limited to N$ 42 350 per family)	100% of Cost	Y
Psychiatric in Hospital treatment (inclusive of medication)	100% of Namaf Tariff	N$ 56 350 per family
Private nursing, Hospice service and Frail care services (including medication)	100% of Cost	N$ 53 750 per family
Substance abuse	100% of Namaf Tariff	One rehabilitation per family
Infertility treatment	100% of Namaf Tariff	N$ 38 150 per family
Non-emergency transport (doctor motivation required) (Subject to available limit)	100% of Cost	N$ 14 100
Emergency transport	Benefit according to Rescue Me Policy	Y

General Practitioners' Services & Specialist services excluding surgery (includes private nursing consultations)

Annual Day to Day		M+0 = N$ 16 650 M+1 = N$ 19 900 M+2 = N$ 21 500 M+3 = N$24 000 M+4 = N$ 26 650 M+5 = N$ 29 250
Consultations/Visits (out of hospital)	100% of Namaf Tariff	Limited to 20 consultations per beneficiary
Procedures/Services (out of hospital)	100% of Namaf Tariff	Y
Material & Disposable items	100% of Namaf Tariff	Y
Radiology & Pathology (out of hospital)	100% of Namaf Tariff	Y
HIV & AIDS treatment (out of hospital)	100% of Namaf Tariff	Y

Supplementary & Paramedical services

Clinical Psychology/Psychological Counsellor, Physiotherapy, Audiology/Speech Therapy, Dietician, Occupational Therapy, Biokinetics, Chiropractor, Homeopathy Naturopathy/Phytotherapy (consultation only), Hearing Aid Acoustician, Podiatry/Chiropody, Social Worker, Orthotist/Prosthetist

100% of Namaf Tariff

M+0 = N$ 15 600
M+1 = N$ 18 850
M+2 = N$ 23 150
M+3 = N$ 27 400
M+4 = N$ 31 700
M+5 = N$ 36 050

Medical Aid Options

Help me find an Option

Compare our Options

Nammed

Basic

The Basic option provides reasonably-priced, primary healthcare services to the lower-income group. (Maximum monthly salary may not exceed N$7 000).

from
N$585
Overall Annual
Benefit of
N$500 000.00

Nammed

Active

The Active option offers benefits associated with hospitalisation and day-to-day medical expenses. This option will cater for young, single people and smaller, healthy families.

from
N$1397
Overall Annual
Benefit of
N$1 450 000.00

Nammed

Core

The Core option offers benefits associated with hospitalisation and day-to-day medical expenses. This option will specifically cater for low income earners. (Maximum monthly salary may not exceed N$10 000).

from
N$1752
Overall Annual
Benefit of
N$510 000.00

Nammed

Trauma

The Trauma option offers comprehensive benefits for major medical expenses normally associated with hospitalisation. Ideal for members wishing to cover hospital costs only.

from
N$1915
Overall Annual
Benefit of
N$2 550 000.00

Nammed

Essential

The Essential option is generally suited for the healthier person or family between 36 and 55, who seeks greater benefits than the Active option without needing as much as the Standard option offers.

from
N$2889
Overall Annual
Benefit of
N$2 100 000.00

Nammed

Standard

The Standard option offers benefits associated with hospitalisation and day-to-day medical expenses. This option is well-suited for the middle-to-higher-income earners who wish to enjoy peace of mind.

from
N$3321
Overall Annual
Benefit of
Unlimited

Nammed

Comprehensive

The Comprehensive option offers benefits associated with hospitalisation and day-to-day medical expenses. Ideal for members wishing to cover their medical costs to the greatest extent possible or whose health risks may be perceived as high.

from
N$4371
Overall Annual
Benefit of
Unlimited

Life Stages

Age
18-25

Starters

Starting Employment.
Low - Medium Income, Low Health needs,
Probably need cover for Major Medical Risks.

Active Trauma

Age
26-35

Nest Builders

Medium Income Levels,
Planning on starting a family or newly Married?
Seek value rather than cheapest option.
Need cover for expected medical needs of mothers and children.

Active Standard Trauma

Age
36-55

Mid-Lifers

Medium to High income levels,
Medical Aid is a routine risk cover,
stable health needs,
Multiple family members with diverse needs

Active Essential Standard

Age
56-60

Grey Foxes

Moving towards retirement,
Health risks and prevalence of chronic diseases increasing,
Important to maintain health risk cover.
Impact and Lifestyle factors more prevalent.

Comprehensive Essential Standard

Age
61+

Wise Owls

Members approaching or in retirement,
Health needs directly related to age,
Increased prevelance of chronic diseases,
Greater importance of extent of cover for major medical events like knee & hip replacements.

Comprehensive Standard

Comprehensive Medical Aid Option And Premium Healthcare

Comprehensive Medical Aid Option And Premium Healthcare

Hospitalisation & Sub-Acute Facilities

Medical Specialists & General Practitioners

Organ Transplants Subject to OAL (All inclusive)

Internal Prostheses (subject to OAL) Including cement and antibiotics

Medical Appliance and External Prosthesis (Subject to pre-authorisation)

Radiotherapy and/or Oncology

Optical Benefits

Dental Surgery(Subject to pre-authorisation)

Specialised Dentistry

Basic Dental

Medication

Specialised Medication

HIV Medication

Specialised Radiology In and Out of hospital

Maternity Benefit (Subject to OAL)

Other Services (Subject to OAL)

General Practitioners' Services & Specialist services excluding surgery (includes private nursing consultations)

Supplementary & Paramedical services

Side Pannel

Medical Aid Options

Basic

Active

Core

Trauma

Essential

Standard

Comprehensive

Life Stages

Starters

Nest Builders

Mid-Lifers

Grey Foxes

Wise Owls

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