Opal

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Opal is the only option that provides for income-based tables for employer groups (20 members or more). Opal further promotes the use of primary healthcare facilities (clinics) for treatment, allows for limited individual benefit amounts and private hospitalisation. Monthly contributions are affordable and fair.

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 and Theatre 100%
Physiotherapy & Biokinetics (post-rehabilitation) 100%
MRI & CT Scans 100%
Internal Appliances & Materials 100% of cost
Oncology – (All-inclusive In and Out of Hospital)

  • Consultations and Procedures
  • Hospitalisation
  • Radiation Oncology (Referral from a medical specialist only)
  • Oncology Medication (Chemotherapy, Radiotherapy and Hormone Therapy)
100%
Organ Transplant 100%
Maternity
  • Confinement – Full Procedure
  • 12 Ante-natal Consultations per Beneficiary
  • 6 Sessions, Ante / Post-natal Classes & Education
  • 3 Sonar Scans per Beneficiary per Pregnancy
100%

Ambulance and Evacuation Services

Benefit Cover
Emergency Ambulance & Flights 100%
Ambulance/Inter-hospital transfer 100%

International Medical Travel Insurance

Benefit Cover
Medical cover when travelling to foreign countries. For emergency cases only 100% of cost

Contributions

Individuals
Age Band Main Adult Child
0 25 1,646 1,025 456
26 30 1,821 1,152
456
31 35 1,984 1,294
456
36 40 2,223
1,463 465
41 45 2,435
1,605 465
46 50 2,609 1,754
465
51 55 2,838 1,935
465
56 60 3,027 2,076
465
60 65 3,222
2,219
465
66+
3,419
2,380 465
Groups
Income Band
Main Adult Child
0 3,870 1,468 950
271
3,871 5,120
1,690
1,078
311
5,121
7,830
1,810 1,119
334
7,831
11,500
1,861 1,200
343
11,501
12,930 2,082 1,333 384
12,931 14,660 2,306
1,467 426