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: GP & Specialist in-hospital services payable to a maximum of 225% of NAMAF Tariff

Benefit Cover
Accommodation – private wards 100%
Accommodation – other than recognised hospital 100% of cost
MRI & CAT 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
  • 2 Sonars per Beneficiary per pregnancy
100%

Optional Cover: Member Selection
AHB Cover: GP & Specialist in-hospital services payable to a maximum of 225% of NAMAF Tariff

General Practitioners 100% of cost of Accumulation Fund
Dentistry 100% of cost of Accumulation Fund
Medicine & Injections 100% of cost of Accumulation Fund
Optical 100% of cost of Accumulation Fund
Primary Health Care Services 100% of cost of Accumulation Fund
Auxiliary Services 100% of cost of Accumulation Fund
Specified Illness Conditions 100% of cost of 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 1 026 646 230
26 30 1 141 730 230
31 35 1 259 810 230
36 40 1 422 917 236
41 45 1 559 1 021 236
46 50 1 685 1 111 236
51 55 1 840 1 224 236
56 60 1 968 1 321 236
61 65 2 099 1 416 236
66+ 2 239 1 508 236
Groups
Age Band Main Adult Child
0 25 1 026 646 218
26 30 1 141 730 218
31 35 1 213 746 218
36 40 1 304 798 223
41 45 1 397 877 223
46 50 1 519 962 223
51 55 1 568 1 007 223
56 60 1 658 1 079 223
61 65 1 797 1 170 223
66+ 1 840 1 203 223