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$700 000 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 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

Day-to-Day Benefits

Benefit Cover
General Practitioners 100%
Dentistry 100%
Medicine & Injections
AcuteChronic
Self-medication

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 1 959 3 298 3 904 4 506 5 113 5 696
26 30 2 184 3 713 4 313 4 911 5 514 6 110
31 35 2 404 4 096 4 701 5 304 5 904 6 505
36 40 2 710 4 639 5 244 5 857 6 472 7 085
41 45 2 975 5 115 5 730 6 349 6 984 7 598
46 50 3 214 5 544 6 151 6 767 7 380 7 988
51 55 3 516 6 062 6 681 7 301 7 916 8 532
56 60 3 760 6 502 7 117 7 730 8 338 8 957
60 65 4 018 6 958 7 575 8 174 8 781 9 383
66+
4 269 7 421 8 036 8 627 9 221 9 832
Groups
Age Band M0 M1 M2 M3 M4 M5+
0 25 1 720 2 844 3 341 3 847 4 350 4 850
26 30 1 905 3 160 3 658 4 155 4 660 5 152
31 35 2 036 3 408 3 899 4 379 4 871 5 352
36 40 2 224 3 741 4 224 4 700 5 190 5 670
41 45 2 452 4 150 4 642 5 136 5 622 6 116
46 50 2 611 4 429 4 902 5 393 5 872 6 350
51 55 2 817 4 808 5 278 5 778 6 265 6 735
56 60 3 018 5 158 5 637 6 114 6 603 7 079
60 65 3 199 5 483 5 964 6 429
6 904 7 375
66+
3 214 5 513 5 993 6 456 6 936 7 409

Ruby Group Single Parent Contributions
Age Band M0 M1 M2 M3 M4 M5+
0
25 1 505
2 489 2 923 3 366 3 806 4 244
26 30 1 667 2 765 3 201 3 363 4 078 4 508
31 35 1 782 2 982 3 412 3 832 4 262 4 683
36 40 1 946 3 273 3 696 4 113 4 541 4 961
41 45 2 146 3 631 4 062 4 494 4 919 5 352
46 50 2 285 3 875 4 293 4 719 5 138 5 556
51 55 2 465 4 207 4 618 5 056 5 482 5 893
56 60 2 641 4 513 4 932 5 350 5 778 6 194
61 65 2 799 4 798 5 219 5 625 6 041 6 453
66+
2 812 4 824 5 244 5 649 6 069 6 483
Ruby Individuals Single Parent Contributions
Age Band M0 M1 M2 M3 M4 M5+
0 25 1 714 2 886 3 416 3 943 4 474 4 984
26 30 1 911 3 249 3 774 4 297 4 825 5 346
31 35 2 104 3 584 4 113 4 641 5 166 5 692
36 40 2 371 4 059 4 589 5 125 5 663 6 199
41 45 2 603 4 476 5 014 5 555 6 111 6 648
46 50 2 812 4 851 5 382 5 921 6 458 6 990
51 55 3 077 5 304 5 846 6 388 6 927 7 466
56 60 3 290 5 689 6 227 6 764 7 296 7 837
61 65 3 516 6 088 6 628 7 152 7 683 8 210
66+
3 735 6 493 7 032 7 549 8 068 8 603