Basic Services

We have the following services available in our packages:-

General Consultations
All schemes have access to a General Practitioner.
Specialist Consultations
All schemes except Zinc have access to private specialist service. Zinc has access to specialist service in government, mission and municipal hospitals.
Drugs
Drug Benefit facility available through selected pharmacies. Prescription drugs are covered at 100%. The drug benefit includes cover for ARVs. In order to preserve benefits we encourage use of generic medication where it is available. Over the counter medication are not covered.
Optical
Covered as per limit once every two years. Eye tests are covered in full up to optical limit.
Dental
Dental care is covered 100% up to dental limit. Orthodontic treatment is also covered up to orthodontic limit. Authorisation for orthodontic treatment must be sought prior ro access.
Rehabilitation Services
Include:-

• Physiotherapy
• Social work
• Clinical psychology
• Occupational and speech therapy

All schemes covered in full up to limit, except for Zinc which is covered in government, mission and municipal facilities.
Psychiatry
Packages offer in-patient and out-patient treatment covered in full up to limit except the Zince which is covered in full in government, mission and municipal facilities.
Prosthetics
Internal and external prosthetics covered at 90% of cost up to limit in all applicable facilities.
Hearing Aids
Hearing aids are covered at 80% up to limit.
Glucometer
Glucometer is covered at 80% up to limit.
Foreign Treatment
Treatment not available in Zimbabwe is covered up to limit. Specialist referral is required.
Travel Cover
Members and Non-Members can apply for cover. Click here to download the Travel Cover Application Form.
Maternity
Platinum: Covered in full up to limit.
Gold, Silver, Bronze & Bronze Lite: Covered at 70% up to limit.
Zinc: Covered at 70% in government, mission and municipal facilities.
NOTE: Waiting period of 9months applies unless transferring from another Medical Aid Fund.
Radiology
Radiology services are covered in full up to a limit on all schemes, except for Zinc which is covered in government, mission and municipal facilities.
Pathology
Pathology services are covered in full up to limit on all schemes, except for Zinc which is covered in government, mission and municipal facilities.
Bereavement Benefit
Three month contributions waiver upon death of principal member. Surviving dependents free to continue as individual members thereafter.
Ambulance Services
Packages offer various private ambulance services available except the Zinc Package which offers access to government, mission and municipal ambulance services only.
Preventive Benefit
Preventive medical interventions in specific medical disciplines available once per year up to limit. Examples include breast cancer screening and prostate cancer screening.
Accidents & Emergency Cover
All packages covered in full in all casualty units. The Bronze (B, C ,D & E) and Bronze Lite (C, D & E) package covered in full and the Zinc package covered in full in government, mission and municipal facilities.
Funeral Benefit
A cash funeral benefit payout is paid out upon presentation of either a burial order prior to burial or a death certificate if claim is after burial. Supporting identity documentation of the claimant is required.

NOTE: Waiting periods do not apply when:
                1-transferring from another medical aid scheme;
                2-joining in as a group of 20 or more principal members.