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 and Radiotherapy) 100%
Organ Transplant 100%
Refractive Surgery 100%
Maternity - Confinement – Full Procedure
  • 12 Ante-natal Consultations
  • 2 Sonars 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 1 441 879 392
26 30 1 562 989 392
31 35 1 702 1 110 392
36 40 1 907 1 254 398
41 45 2 089 1 377 398
46 50 2 237 1 504 398
51 55 2 435 1 659 398
56 60 2 596 1 780 398
60 65 2 764 1 904 398
66+
2 933 2 041 398
Groups
Income Band
Main Adult Child
0 3 190 1 222 792 225
3 190 4 220 1 407 898 259
4 220 6 450 1 507 932 278
6 450 9 480 1 550 999 286
9 480 10 660 1 734 1 110 320
10 660 12 090 1 920 1 221 354