Ruby

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Ruby is a mid-tier option providing a comprehensive range of benefits at reasonable monthly contributions. It is ideally suited to younger, healthier individuals and growing families.

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%

Dialysis/Organ Transplant 100%
Refractive Surgery 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

Day-to-Day Benefits

Benefit Cover
General Practitioners and Specialists 100%
Dentistry 100%
Medicine & Injections
  • Acute
  • Chronic
  • Essential Vaccination/Immunisation (As per WHO guidelines)
  • Self-Medication

80%
80%
100%
100%
Optical 100%
Primary Health Care Services 100%
Auxiliary Services 100%
Specified Illness Conditions 100%

Contributions

Individuals
Age Band Main
Adult Child
0 25 2,284 1,562
711
26 30 2,546
1,783
711
31 35 2,802
1,974 711
36 40 3,160
2,249
711
41 45 3,468
2,495
711
46 50 3,747 2,717
726
51 55 4,100
2,968
726
56 60 4,383
3,197
726
61
65 4,685
3,428
726
66+
4,978 3,674
726
Groups
Age Band Main Adult Child
0 25 2,065 1,351
596
26 30 2,288 1,507 596
31 35 2,445 1,648 596
36 40 2,671 1,822
596
41 45 2,945 2,039 596
46 50 3,135 2,183
631
51 55 3,383
2,392
631
56 60 3,624
2,570 631
61
65 3,842 2,743
631
66+
3,860 2,760
631