Amber

Quality hospital cover for newly married/young families that need comprehensive cover for in-hospital and day-to-day benefits. The member makes a basic monthly contribution plus a predetermined optional monthly allocation amount (MAA). The MAA is deposited into the member’s individual savings account, called the Accumulation Fund (AF). All in-hospital and related expenses are paid out of the Fund’s pool, which consists of all the individual members’ basic contributions. All recognised day-to-day expenses are paid from the member’s Accumulation Fund. The principle of the New Generation Option is completely different to that of the Traditional Options. The member takes an active role in the management of a portion of his/her medical expenses. He/she has access to funds in his/her personal medical savings account called the Accumulation Fund (“AF”) for day-to-day expenses. This offers protection against possible abuse of the Fund and of the accumulation funds.

Key Benefits

Hospital: Major Medical Expenses
AHB Cover: GPs & Specialists in-hospital services paid up to a maximum of 225% of NAMAF Tariff.

Benefit Cover
Accommodation – private wards 100%
Accommodation – other than recognised hospital 100% of cost
MRI & CT Scans 100%
Internal Appliances & Materials 100% of cost
Oncology – Active Therapy (Surgery, Chemotherapy and Radiotherapy) 100%
Organ Transplant 100%
Refractive Surgery 100%
Maternity - Confinement – Full Procedure
  • 12 Ante-natal Consultations per Beneficiary
  • 2 Sonars per Beneficiary per pregnancy
100%

Optional Cover: Member Selection
AHB Cover: GPs & Specialists in-hospital services are paid to a maximum of 225% of NAMAF Tariff.

General Practitioners 100% of cost from Accumulation Fund
Dentistry 100% of cost from Accumulation Fund
Medicine & Injections 100% of cost from Accumulation Fund
Optical 100% of cost from Accumulation Fund
Primary Health Care Services 100% of cost from Accumulation Fund
Auxiliary Services 100% of cost from Accumulation Fund
Specified Illness Conditions 100% of cost from Accumulation Fund

Contribution Cover
Amber Group Contributions Applicable Major Medical Expenses - Hospitalisation
Member determines contribution to the Accumulation Fund Day-to-Day expenses - Member in control of utilisation of Day-to-Day Expenses payable from Accumulation Fund

Contributions

Individuals
Age Band Main Adult Child
0 25 1 088 685 244
26 30 1 209 774 244
31 35 1 335 859 244
36 40 1 507 972 250
41 45 1 653 1 082 250
46 50 1 786 1 178 250
51 55 1 950 1 297 250
56 60 2 086 1 400 250
61 65 2 225 1 501 250
66+
2 373 1 598 250
Groups
Age Band Main Adult Child
0 25 1 088 685 231
26 30 1 209 774 231
31 35 1 286 791 231
36 40 1 382 846 236
41 45 1 481 930 236
46 50 1 610 1 020 236
51 55 1 662 1 067 236
56 60 1 757 1 144 236
61 65 1 905 1 240 236
66+
1 950 1 275 236