Sapphire

If you are looking for more benefits and want to ensure that you have above average benefits when visiting the doctor, Sapphire is your option. It provides extensively comprehensive benefits to ensure that you have coverage when you need it. The Sapphire option pays 100% of NAMAF tariffs and provides high overall annual cover of N$1.2 million per beneficiary and N$2.4 million per family. Sapphire also provides high chronic medication benefits to assist you in properly managing those chronic ailments. Good individual benefit amounts are provided for and contributions are competitive.

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
Acute
Chronic
Self-medication
80%
80
100%
Optical 100%
Primary Health Care Services 100%
Auxiliary Services 100%
Specified Illness Conditions 100%

Contributions

Individual
Age Band M0 M1 M2 M3 M4 M5+
0 25 2 476 4 456 5 332 6 211 7 089 7 978
26 30 2 807 5 049 5 929 6 817 7 692 8 571
31 35 3 135 5 623 6 505 7 381 8 273 9 147
36 40 3 568 6 399 7 294 8 198 9 097 9 997
41 45 3 968 7 102 8 009 8 914 9 830 10 734
46 50 4 322 7 724 8 625 9 525 10 427 11 322
51 55 4 760 8 490 9 387 10 310 11 218 12 127
56 60 5 126 9 138 10 036 10 940 11 848 12 739
61 65 5 507 9 813 10 706 11 595 12 492 13 378
66+
5 900 10 492 11 382 12 250 13 147 14 027
Groups
Age Band M0 M1 M2 M3 M4 M5+
0 25 2 184 3 849 4 603 5 347 6 091 6 839
26 30 2 400 4 235 4 964 5 688 6 408 7 135
31 35 2 585 4 566 5 264 5 973 6 676 7 372
36 40 2 912 5 154 5 862 6 580 7 289 8 003
41 45 3 256 5 753 6 487 7 210 7 934 8 660
46 50 3 502 6 201 6 903 7 619 8 331 9 052
51 55 3 820 6 761 7 483 8 193 8 910 9 625
56 60 4 221 7 469 8 200 8 920 9 656 10 382
61 65 4 480 7 915 8 637 9 343 10 055 10 765
66+
4 486 7 927 8 646 9 361 10 068 10 779

Sapphire Individual Single Parent Contributions
Age Band
M0 M1 M2 M3 M4 M5+
0 25 2 167 3 902 4 666 5 435 6 203 6 981
26 30 2 456 4 418 5 188 5 965 6 731 7 500
31 35 2 743 4 920 5 692 6 458 7 239 8 004
36 40 3 122 5 599 6 382 7 173 7 960 8 747
41 45 3 472 6 214 7 008 7 800 8 601 9 392
46 50 3 782 6 759 7 547 8 334 9 124 9 907
51 55 4 165 7 429 8 214 9 021 9 816 10 611
56 60 4 485 7 996 8 782 9 573 10 367 11 147
61 65 4 819 8 586 9 368 10 146 10 931 11 706
66
5 163 9 181 9 959 10 719 11 504 12 274
Sapphire Group Single Parent Contributions
Age Band
M0 M1 M2 M3 M4 M5+
0 25 1 911 3 368 4 028 4 679 5 330 5 984
26 30 2 100 3 706 4 344 4 977 5 607 6 243
31 35 2 262 3 995 4 606 5 226 5 842 6 451
36 40 2 548 4 510 5 129 5 758 6 378 7 003
41 45 2 849 5 034 5 676 6 309 6 942 7 578
46 50 3 064 5 426 6 040 6 667 7 290 7 921
51 55 3 343 5 916 6 548 7 169 7 796 8 422
56 60 3 693 6 535 7 175 7 805 8 449 9 084
61 65 3 920 6 926 7 557 8 175 8 798 9 419
66
3 925 6 936 7 565 8 191 8 810 9 432