Sapphire

If you are looking for more benefits and want to ensure that you have above average benefits when visiting the doctor, Sapphire should be 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 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
  • 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 2 336 4 207 5 030 5 859 6 688 7 526
26 30 2 648 4 763 5 593 6 431 7 257 8 086
31 35 2 958 5 305 6 137 6 963 7 805 8 629
36 40 3 366 6 037 6 881 7 734 8 582 9 431
41 45 3 743 6 700 7 556 8 409 9 274 10 126
46 50 4 077 7 287 8 137 8 986 9 837 10 681
51 55 4 491 8 009 8 856 9 726 10 583 11 441
56 60 4 836 8 621 9 468 10 321 11 177 12 018
61 65 5 195 9 258 10 100 10 939 11 785 12 621
66+ 5 566 9 898 10 738 11 557 12 403 13 233
Groups
Age Band M0 M1 M2 M3 M4 M5+
0 25 2 060 3 631 4 342 5 044 5 746 6 452
26 30 2 264 3 995 4 683 5 366 6 045 6 731
31 35 2 439 4 308 4 966 5 635 6 298 6 955
36 40 2 747 4 862 5 530 6 208 6 876 7 550
41 45 3 072 5 427 6 120 6 802 7 485 8 170
46 50 3 304 5 850 6 512 7 188 7 859 8 540
51 55 3 604 6 378 7 059 7 729 8 406 9 080
56 60 3 982 7 046 7 736 8 415 9 109 9 794
61 65 4 226 7 467 8 148 8 814 9 486 10 156
66+ 4 232 7 478 8 157 8 831 9 498 10 169