Opal

Opal covers 100% of NAMAF tariffs and is the only option that provides for income-based tables for employer groups (20 members or more). Opal further promotes the use of primary healthcare facilities (clinics) for treatment, allows for limited individual benefit amounts and private hospitalisation. Monthly contributions are affordable and fair compared to the available benefits.

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 ward 100%
Accommodation – other than a recognised hospital 100% of cost
MRI & CT Scans 100%
Internal Appliances & Materials 100% of cost
Oncology – Active Therapy (Surgery, Chemotherapy, Radiotherapy and Hormone Therapy) 100%
Organ Transplant 100%
Refractive Surgery 100%
Maternity - Confinement – Full Procedure
  • 12 Ante-natal Consultations
  • 3 Sonar Scans per Beneficiary per pregnancy
100%

Ambulance and Evacuation Services

Benefit Cover
Emergency Ambulance & Flights 100%
Ambulance/Inter-hospital transfer 100%
Other Transport 80% of cost

International Medical Travel Insurance

Benefit Cover
Medical cover when travelling to foreign countries. For emergency cases only 100% of cost

Contributions

Individuals
Age Band Main Adult Child
0 25 1 510 941 419
26 30 1 671 1 058
419
31 35 1 821 1 188 419
36 40 2 040
1 342 426
41 45 2 235 1 473 426
46 50 2 394 1 609 426
51 55 2 605 1 775 426
56 60 2 778 1 905 426
60 65 2 957 2 037
426
66+
3 138
2 184 426
Groups
Income Band
Main Adult Child
0 3 670 1 314 851 242
3 670 4 850 1 513 965 278
4 850 7 420
1 620 1 002
299
7 420
10 900
1 666 1 074
307
10 900
12 260 1 864 1 193 344
12 260 13 900 2 064
1 313 381