Ruby

Ruby is a mid-tier option providing a comprehensive range of benefits at reasonable monthly contributions. Ruby pays 100% of NAMAF tariffs and provides adequate overall annual cover. It is ideally suited to younger, healthier individuals and families and provides good individual benefit amounts. Ruby provides an overall annual benefit of N$700 thousand per beneficiary and N$1.1 million per family.

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 a 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%

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

Day-to-Day Benefits

Benefit Cover
General Practitioners 100%
Dentistry 100%
Medicine & Injections
  • AcuteChronic
  • Self-medication
  • 80%
  • 80%
  • 100%
Optical 100%
Primary Health Care Services 100%
Auxiliary Services 100%
Specified Illness Conditions 100%

Contributions

Individuals
Age Band M0 M1 M2 M3 M4 M5+
0 25 1 848 3 111 3 683 4 251 4 824 5 374
26 30 2 060 3 503 4 069 4 633 5 202 5 764
31 35 2 268 3 864 4 435 5 004 5 570 6 137
36 40 2 557 4 376 4 947 5 525 6 106 6 684
41 45 2 807 4 825 5 406 5 990 6 589 7 168
46 50 3 032 5 230 5 803 6 384 6 962 7 536
51 55 3 317 5 719 6 303 6 888 7 468 8 049
56 60 3 547 6 134 6 714 7 292 7 866 8 450
60 65 3 791 6 564 7 146 7 711 8 284 8 852
66+ 4 027 7 001 7 581 8 139 8 699 9 275
Groups
Age Band M0 M1 M2 M3 M4 M5+
0 25 1 623 2 683 3 152 3 629 4 104 4 575
26 30 1 797 2 981 3 451 3 920 4 396 4 860
31 35 1 921 3 215 3 678 4 131 4 595 5 049
36 40 2 098 3 529 3 985 4 434 4 896 5 349
41 45 2 313 3 915 4 379 4 845 5 304 5 770
46 50 2 463 4 178 4 628 5 088 5 540 5 991
51 55 2 658 4 536 4 979 5 451 5 910 6 354
56 60 2 847 4 866 5 318 5 768 6 229 6 678
60 65 3 018 5 173 5 626 6 065 6 513 6 958
66+ 3 032 5 201 5 654 6 091 6 543 6 990