How Much is A Medical Aid in Namibia

How Much is A Medical Aid in Namibia

What is a Medical Aid?

Medical aid is a form of insurance where you pay a monthly amount – called a contribution or premium – in return for financial cover for medical treatment you may need, as well as any related medical expenses.

What is the best medical aid in Namibia?

Discovery Health Medical Scheme is Namibia most-loved medical aid.

What is covered by medical aid?

Medical aid covers members’ healthcare costs such as hospitalisation, treatments and medicine. These costs are covered according to the rules of the medical scheme and the member’s medical aid plan type. These rules ensure that members are fairly cared for.

Frequently Asked Questions(FAQ’s)

How long does it take for medical aid to be active?

According to the Medical Schemes Act, medical aid schemes are entitled to impose a 3 months general waiting period and / or a 12 months condition specific waiting period(s) for any pre-existing medical condition(s). The Act makes specific provision for the imposition of waiting periods (and late joiner penalties).

Which is better hospital plan or medical aid?

A hospital plan is more affordable than a comprehensive medical aid, so it may be a good option for lower-income or healthier individuals who want access to private healthcare.

Can I put my girlfriend on my medical aid in Namibia?

Yes. If your boyfriend or girlfriend is living with you, you will be able to add them as an adult dependant to your medical aid – just as you would if they were your spouse.

Why is medical aid so expensive in Namibia?

On the ‘supply side’, healthcare costs for medical schemes increase due to changes in the clinical practice of health professionals, and increased supply of healthcare resources (for example, new hospitals, medicines and medical technologies), Discovery said.

Can someone else use my medical aid?

Please note that the use of someone else’s medical aid card with or without such a person’s consent or knowledge constitutes fraud. This practice will report such instances to the medical aid concerned to protect the practice from being regarded as a cooperative in the fraud.

Can unmarried couples share health insurance in Namibia?

Most insurance companies allow unmarried couples to combine coverage—and thereby get discounts and other valuable benefits. But again, not all insurance agents or companies will offer these benefits to an unmarried couple.

Can you add anyone to your medical aid?

In terms of the Medical Schemes Act, no medical scheme may refuse to add a person who is dependent on the member. Father and mother of the member do qualify as dependants provided, they are financial dependent on the member.

How much is Bonitas medical?

Bonitas is one of South Africas top 5 largest open medical schemes and provides cover for approximately 710 000 lives. It offers a choice of 13 medical aid options with the Standard option being the most popular. Premiums for a single member range from R1 159 to R7 207.

Why is Discovery medical aid so expensive in Namibia?

On the ‘supply side’, healthcare costs for medical schemes increase due to changes in the clinical practice of health professionals, and increased supply of healthcare resources (for example, new hospitals, medicines and medical technologies), Discovery said.

What is Discovery Health rate?

The Discovery Health Rate for medicine is the price of the medicine as well. What is the Chronic Disease List and its conditions? The Chronic Disease List (CDL) is a defined list of chronic conditions we cover according to the Prescribed Minimum Benefits (PMBs).

How do I get Discovery medical aid?

How do I join Discovery Health Medical Scheme? Joining is easy. Get a medical aid quote online, call us on 0860 000 628 or contact your financial adviser.

Can a medical aid covers pregnancy immediately?

At the moment of birth, your baby is covered by medical aid. The only proviso is you must register baby with the scheme within a specified period, which is usually 30 days. If you are planning to start a family, or already have a baby on the way, it’s time to sign up at a medical aid scheme right away.

Is Gems medical aid only for government employees?

As GEMS is a restricted scheme for Government employees, only those employed within public service can become members.

What is the waiting period for Discovery medical aid?

There are general waiting periods and condition-specific waiting periods. Discovery Health Medical Scheme’s general waiting period is for three consecutive months, while the condition-specific waiting period is 12 consecutive months.

Can I join Discovery if I am pregnant?

You can activate your maternity and early childhood benefits: When you create your pregnancy or baby profile on the My Pregnancy or My Baby programmes on or on the Discovery app ▪ By calling us on 0860 99 88 77 and following the voice prompts ▪ When you register your baby onto the Scheme.

Does Discovery have a hospital plan?

Discovery Health Medical Scheme offers 23 different plan options, ranging from a simple hospital plan like our Core Series, to more comprehensive medical aid plans that include additional day-to-day benefits and cover.

How do I claim my discovery back?

Submit your claim fast and easy in any of these 3 digital ways

  1. Upload your claim. Scan and upload your claims. Upload your claim now.
  2. Email your claims. Scan and email your claims to …
  3. Discovery app. Use your smartphone.