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$1-million per beneficiary and N$1.5-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 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

Day-to-Day Benefits

Benefit Cover
General Practitioners 100%
Dentistry 100%
Medicine & Injections
Acute
Chronic
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 2 096
3 529 4 177
4 821 5 471 6 095
26 30 2 337 3 973 4 615 5 255
5 900 6 538
31 35 2 572 4 383 5 030
5 675 6 317
6 960
36 40 2 900 4 964 5 611 6 267
6 925 7 581
41 45 3 183
5 473 6 131
6 793 7 473
8 130
46 50 3 439 5 932 6 582 7 241
7 897 8 547
51 55 3 762 6 486 7 149
7 812 8 470
9 129
56 60 4 023 6 957 7 615 8 271
8 922 9 584
60 65 4 299 7 445 8 105
8 746 9 396
10 040
66+
4 568 7 940 8 599 9 231
9 866 10 520
Groups
Age Band M0 M1 M2 M3 M4 M5+
0 25 1 849 3 057
3 592 4 136
4 676 5 214
26 30 2 048 3 397 3 932 4 467 5 010
5 538
31 35 2 189 3 664 4 191
4 707 5 236
5 753
36 40 2 391 4 022
4 541 5 053
5 579 6 095
41 45 2 636 4 461 4 990 5 521 6 044
6 575
46 50 2 807 4 761 5 274
5 797 6 312 6 826
51 55 3 028
5 169
5 674 6 211 6 735 7 240
56 60 3 244 5 545 6 060
6 573 7 098
7 610
60 65 3 439 5 894 6 411
6 911
7 422
7 928
66+
3 455 5 926 6 442
6 940 7 456
7 965

Individuals: Single Parent Contributions
Age Band M0 M1 M2 M3 M4 M5+
0
25 1 834
3 088
3 655
4 218
4 787
5 333
26 30 2 045
3 476
4 038
4 598
5 163
5 721
31 35 2 251
3 835
4 401
4 966
5 527 6 090
36 40 2 538
4 344
4 910
5 484
6 059 6 633
41 45 2 785 4 789
5 365
5 944 6 539
7 114
46 50 3 009
5 191
5 759
6 336
6 910
7 479
51 55 3 292
5 675
6 255
6 836 7 411
7 988
56 60 3 520
6 087
6 663
7 237
7 807
8 386
61 65 3 762
6 514
7 092 7 653
8 222
8 785
66+
3 997
6 948
7 524 8 077
8 633
9 205
Groups: Single Parent Contributions
Age Band M0 M1 M2 M3 M4 M5+
0 25 1 618 2 675 3 143 3 619 4 092 4 562
26 30 1 792 2 972
3 441 3 909
4 384 4 846
31 35 1 915
3 206
3 667
4 119 4 582
5 034
36 40 2 092 3 519
3 973
4 421
4 882
5 333
41 45 2 307 3 903
4 366
4 831
5 289
5 753
46 50 2 456 4 166 4 615
5 072 5 523
5 973
51 55 2 650
4 523
4 965
5 435
5 893
6 335
56 60 2 839
4 852
5 303
5 751
6 211
6 659
61 65 3 009 5 157
5 610
6 047
6 494
6 937
66+
3 023 5 185
5 637
6 073 6 524
6 969