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 the overall annual cover is unlimited. 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, 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 2 649 4 771 5 705 6 646 7 585 8 536
26 30 3 003 5 402 6 344 7 294
8 230
9 171
31 35 3 354 6 017
6 960 7 898 8 852 9 787
36 40 3 818 6 847 7 805 8 772 9 734 10 697
41 45 4 246
7 599 8 570 9 538
10 518
11 485
46 50 4 625 8 265
9 229
10 192
11 157
12 115
51 55 5 093
9 084
10 044
11 032 12 003
12 976
56 60 5 485 9 778 10 739 11 706 12 677
13 631
61 65 5 892 10 500
11 455 12 407 13 366 14 314
66+
6 313
11 226 12 179
13 108 14 067 15 009
Groups
Age Band M0 M1 M2 M3 M4 M5+
0 25 2 348 4 138
4 948 5 748 6 548 7 352
26 30 2 580 4 553 5 336
6 115
6 889 7 670
31 35 2 779 4 908 5 659 6 421
7 177
7 925
36 40 3 130
5 541 6 302
7 074
7 836 8 603
41 45 3 500 6 184
6 974 7 751 8 529
9 310
46 50 3 765 6 666 7 421
8 190
8 956 9 731
51 55 4 107
7 268
8 044
8 807
9 578
10 347
56 60 4 538 8 029
8 815 9 589
10 380
11 161
61 65 4 816 8 509
9 285
10 044
10 809 11 572
66+
4 822 8 522
9 294
10 063
10 823 11 587

Individuals: Single Parent Contributions
Age Band
M0 M1 M2 M3 M4 M5+
0 25 2 318 4 175
4 992 5 815 6 637 7 469
26 30 2 628 4 727 5 551 6 382
7 201
8 025
31 35 2 935 5 265
6 090
6 911 7 746 8 564
36 40 3 341 5 991 6 829 7 676 8 517
9 360
41 45 3 715 6 649 7 499 8 346
9 203
10 049
46 50 4 047 7 232
8 075
8 918 9 762 10 601
51 55 4 456 7 949 8 789 9 653 10 503
11 354
56 60 4 799 8 556
9 397
10 243
11 092 11 927
61 65 5 156
9 188
10 023
10 856 11 695
12 525
6+
5 524 9 823 10 657
11 470
12 309
13 133
Groups: Single Parent Contributions
Age Band
M0 M1 M2 M3 M4 M5+
0 25 2 055
3 621 4 330 5 030
5 730 6 433
26 30 2 258 3 984 4 669 5 351
6 028
6 711
31 35 2 432 4 295 4 952 5 618 6 280
6 934
36 40 2 739 4 848 5 514 6 190
6 857 7 528
41 45 3 063
5 411 6 102
6 782 7 463
8 146
46 50 3 294 5 833 6 493 7 166
7 837 8 515
51 55 3 594 6 360
7 039
7 706 8 381
9 054
56 60 3 971 7 025
7 713 8 390
9 083
9 766
61 65 4 214
7 445
8 124
8 789 9 458
10 126
66+
4 219
7 457
8 132
8 805 9 470
10 139