About Gold
NHP Gold offers the most comprehensive benefits. As our premier option, consider yourself covered for both major incidences and any day-to-day health expenses. This package is highly recommended for the elderly and people whose health risk is considered high.
Note: All services are paid at 100% of the NAMAF benchmark tariff, unless indicated to the contrary.
Compare to other Benefit Options
- In-hospital & out of hospital services
- Chronic and acute medicine
- Basic and specialised radiology – in and out-hospital
- Dentistry
- Psychiatric treatment
- Maternity
- Preventative Care
- Optical
- Pathology and auxiliary services
- Diabetic Devices Benefit
- Back and Neck rehabilitation programme
- Ambulance services
Contributions for Individual Members For Individuals, all family members use the eldest member’s age category
| Age | Principal Member | Adult / Special dep | Child dep |
|---|---|---|---|
| 0-25 | 4,778 | 3,710 | 1,942 |
| 26-30 | 5,366 | 4,510 | 1,942 |
| 31-35 | 6,010 | 4,947 | 1,942 |
| 36-40 | 7,003 | 6,168 | 1,942 |
| 41-45 | 7,472 | 6,737 | 1,942 |
| 46-50 | 8,060 | 7,037 | 1,942 |
| 51-55 | 8,338 | 7,429 | 1,942 |
| 56-60 | 8,737 | 7,837 | 1,942 |
| 61-65 | 9,902 | 8,547 | 1,942 |
| 66+ | 10,350 | 8,877 | 1,942 |
Contributions for Employer Group For Employer Groups, all family members use principal member’s age category
| Age | Principal Member | Adult / Special dep | Child dep |
|---|---|---|---|
| 0-25 | 3,927 | 2,936 | 1,632 |
| 26-30 | 4,466 | 3,603 | 1,632 |
| 31-35 | 4,889 | 4,010 | 1,632 |
| 36-40 | 5,677 | 4,816 | 1,632 |
| 41-45 | 6,153 | 5,421 | 1,632 |
| 46-50 | 6,485 | 5,635 | 1,632 |
| 51-55 | 6,708 | 5,948 | 1,632 |
| 56-60 | 7,051 | 6,183 | 1,632 |
| 61-65 | 7,846 | 6,687 | 1,632 |
| 66+ | 8,156 | 6,883 | 1,632 |
Roll-Over Benefit For diligent management of your healthcare expenditure:
| Principal | Adult/Special dependant | Child |
|---|---|---|
| 8,350 | 2,130 | 2,130 |
Example Roll-over Benefit: (Principal member + spouse + two children) = N$ 14,740.00 per year.
Downloads
Employer Group Application Form Membership Application Form Benefit Guide 2024 User Guide 2024
| NAMAF tarriff or % thereof | Principal Member | Per Additional Beneficiary | Per Family | Conditions | ||
|---|---|---|---|---|---|---|
| Overall Annual Limit | Unlimited | |||||
| 1. | Healthcare provider and medical specialists | – | – | – | – | SPA |
| 1.1 | Consultations and visits: In-hospital | 150 % | – | – | – | – |
| 1.2 | Procedures: In-hospital | 150 % | – | – | – | – |
| 2. | Chronic Medication | – | 34,200 | – | 69,100 | – |
| 2.1 | Chronic approved – Min levy of N$30: Subject to prior registration | 80 % | – | – | – | No benefit without prior registration |
| 3. | Hospital services | – | – | – | – | SPA |
| 3.1 | Accommodation and theatre | 100 % | – | – | – | – |
| 3.2 | Blood transfusions | 100 % | – | – | – | – |
| 3.3 | Dialysis | 100 % | – | – | – | – |
| 3.4 | Medication | 100 % | – | – | – | – |
| 3.5 | Accommodation in private wards | 100 % | 28,800 | – | 58,300 | – |
| 3.6 | Accommodation other than a recognised hospital or medical institution: SA only | 100 % | – | – | 875 per day | – |
| 3.7 | Appliances and prosthesis: Surgical | 100 % | 80,300 | – | 130,000 | – |
| 3.8 | Refractive surgery: Full procedure – A waiting period of 12 months will apply | 100 % | 34,400 | – | 42,500 | – |
| 3.9 | Organ transplants: Full procedure | 100 % | – | – | 694,000 | – |
| 3.10 | Private nursing | 100 % | 77,900 | – | 77,900 | – |
| 3.11 | Oncology | 100 % | – | – | 905,000 | – |
| 4. | Radiology | – | – | – | – | SPA |
| 4.1 | Radiology: Specialised MRI and CT scans in-and-out of hospital combined | 100 % | – | – | 45,500 | – |
| 4.2 | Basic radiology: In-hospital | 100 % | – | – | – | – |
| 5. | Pathology | – | – | – | – | – |
| 5.1 | Pathology: In-hospital | 100 % | – | – | – | – |
| 6. | Dentistry | – | – | – | – | SPA |
| 6.1 | Oral surgery: Full procedure | 100 % | – | – | 70,300 | – |
| 6.2 | Maxillo facial surgery: Non-elective only | 100 % | – | – | – | – |
| 6.3 | Dental implants | – | – | – | – | OAL |
| 6.3.1 | Hospitalisation | 100 % | – | – | 20,400 | – |
| 6.3.2 | Implant: Consultation, procedure and cost | 100 % | – | – | 22,000 | N$ 4,410 per implant |
| 7. | Psychiatric treatment | – | 37,200 | – | 68,800 | SPA |
| 7.1 | Hospitalisation or institutionalisation | 100 % | – | – | – | – |
| 7.2 | Rehabilitation: Alcohol and drug addiction or abuse | 100 % | – | – | – | SPA |
| 8. | Maternity | – | – | – | – | – |
| 8.1 | Confinement: Full procedure | 100 % | – | – | – | SPA |
| 8.2 | Antenatal consultations (total consultations) | 100 % | – | – | 12 visits | OAL |
| 8.3 | 2D Sonar scans (total scans) | 100 % | – | – | 2 Scans | OAL |
| 8.4 | Amniocentesis | 100 % | – | – | – | SPA |
| 8.5 | Panorama Prenatal test | 100 % | – | – | – | SPA |
| 9. | Preventative care | – | – | – | – | OAL |
| 9.1 | Vaccinations: As per list | 100 % | – | – | – | – |
| 10. | Specified illness conditions | – | – | 57,300 | – | OAL |
| 10.1 | HIV/AIDS: Including the cost of pathology tests | 100 % | – | – | – | SPA |
| 10.2 | Sexually transmitted diseases | 100 % | 7,190 | – | 9,660 | SPA |
| 11. | Ambulance services: Only for medical or trauma emergencies | – | – | – | – | SPA |
| 11.1 | Air evacuation | 100 % | – | – | – | – |
| 11.2 | Ambulance services | 100 % | – | – | – | – |
| 11.3 | Ambulance services: Inter-hospital transfer | 100 % | 5,140 | 5,140 | – | – |
| 11.4 | Other transportation | 80 % | – | – | – | – |
| 12. | Artificial limbs and eyes | – | – | – | – | SPA |
| 12.1 | Artificial limbs | 100 % | – | 74,300 | – | – |
| 12.2 | Artificial eyes | 100% | – | 29,700 | – | – |
| 13. | Heart surgery rehabilitation | 100 % | – | – | 24,800 | OAL |
| 14. | Insertion Mirena Device: All Inclusive – Every 3 years | – | – | 7,400 | – | OAL |
| 15. | Stoma Care products | 100 % | – | – | 34,700 | OAL |
| 16. | Back and Neck Rehabilitation Programme | 100 % | Subject to DBC protocol | Subject to DBC protocol | Subject to DBC protocol | OAL |
| NAMAF tarriff or % thereof | Principal Member | Per Additional Beneficiary | Per Family | Conditions | ||
|---|---|---|---|---|---|---|
| Out-of-hospital: Sub-limit | ||||||
| 1. | Healthcare provider and medical specialists | – | 19,100 | 5,200 | – | – |
| 1.1 | Consultations or visits: Out-of-hospital | 100 % | Unlimited, max 5 virtual GP consultations | Unlimited, max 5 virtual GP consultations | – | – |
| 1.1.1 | Consultations or visits: Out-of-hospital: When healthcare provider or medical specialists benefit has been depleted | 100 % | 1 General Practitioner visit per registered beneficiary | – | Subject to registration on chronic care programme | |
| 1.2 | Out-of-hospital services | 100 % | – | – | – | – |
| 1.3 | Pathology or radiology: Out-of-hospital | 100 % | – | – | – | – |
| 1.4 | Chronic Lifestyle disease extender benefit | 100 % | Additional benefits as specified | Additional benefits as specified | Additional benefits as specified | OAL |
| 2. | Medicine and injections | – | – | – | – | – |
| 2.1 | Acute medicine | – | 11,100 | 6,450 | – | – |
| 2.1.1 | Acute: Pharmacy dispensed – Min. levy of N$ 30 | 80 % | – | – | – | – |
| 2.1.2 | Acute: Doctors dispensed – Min. levy of N$ 30 | 80 % | – | – | – | – |
| 2.1.3 | Self medication: Over-the-counter – No levy: Subject to acute medication limit | 100 % | 2,050 | 510 | – | 255 per claim |
| 2.1.4 | Vitamins, homeopathic and phytotherapy medication – Min levy of N$30 | 80 % | 1,100 | 300 | – | 255 per claim |
| 2.2 | Chronic medicine | – | – | – | – | – |
| 2.2.1 | Chronic approved: Subject to prior registration – Min. levy of N$ 30 | – | – | – | – | – |
| 3. | Dentistry | – | 22,900 | – | 45,400 | – |
| 3.1 | Basic dentistry: Subject to sub-limit | 100 % | 12,900 | 4,420 | – | – |
| 3.2 | Dental technicians | 100 % | – | – | – | – |
| 3.3 | Advanced dentistry | – | – | – | – | – |
| 3.3.1 | Orthodontics | 100 % | – | – | – | – |
| 3.3.2 | Dental Implants: Full procedure | 100 % | Refer to OAL – 6.3 | Refer to OAL – 6.3 | Refer to OAL – 6.3 | – |
| 4. | Optical | – | 6,920 | 2,580 | – | – |
| 4.1 | Eye tests | 100 % | – | – | – | – |
| 4.2 | Spectacles and lenses: Frames every 2nd year | 100 % | – | – | – | Frame limit to N$ 2,500 |
| 4.3 | Orthoptics | 100 % | – | – | – | – |
| 5. | Auxiliary services | – | 21,600 | 6,370 | – | – |
| 5.1 | Chiropody | 100 % | – | 15 Visits, including 5 virtual consultations | – | – |
| 5.2 | Clinical psychology | 100 % | – | 15 Visits, including 5 virtual consultations | – | – |
| 5.3 | Dietician | 100 % | – | 15 Visits, including 5 virtual consultations | – | – |
| 5.4 | Homeopathy: Consultation only | 100 % | – | 15 Visits, including 5 virtual consultations | – | – |
| 5.5 | Occupational therapy | 100 % | – | 15 Visits, including 5 virtual consultations | – | – |
| 5.6 | Social workers | 100 % | – | 15 Visits, including 5 virtual consultations | – | – |
| 5.7 | Appliances: Non-surgical | 100 % | – | – | – | SPA |
| 5.8 | Physiotherapy | 100 % | – | 15 Visits, including 5 virtual consultations | – | – |
| 5.9 | Biokinetics | 100 % | – | 15 Visits, including 5 virtual consultations | – | – |
| 5.10 | Audiology and speech therapy | 100 % | – | 15 Visits, including 5 virtual consultations | – | – |
| 5.11 | Chiropractic | 100 % | – | 15 Visits, including 5 virtual consultations | – | – |
| 5.12 | Podiatry | 100 % | – | 15 Visits, including 5 virtual consultations | – | – |
| 6. | Diabetic devices benefit | – | – | – | – | OAL |
| 6.1 | Insulin Pumps/Glucose Monitoring System/Glucose reader | 80% | – | – | 46,300 | – |
| 6.2 | Diabetes related consumables for insulin pumps/Glucose Monitoring System/Glucose reader | 80% | 44,400 | 44,400 | – | – |
| 7 | Smart Saver benefit | – | – | – | – | – |
| 7.1 | Health Risk Assessment | 100% | – | – | 1,000 | – |
| 7.2 | Preventative Care Incentives | 100% | 155 | 155 | – | – |
| 8 | Roll-Over Benefit | 100% | 8,350 | 2,130 | 2,130 | – |
- Flu vaccines are covered as part of the preventative care benefit.
- 1 COVID-19 vaccine regimen per year is covered as part of the preventative care benefit for all beneficiaries older than 16 years.
- Vitamins under specific conditions to be authorized from the chronic medication benefit.
- Limited benefit for vitamins available under 2.1.4. above, without a prescription.
- NHP pays for contraceptives (oral and injections) limited to N$255 per claim.
- Sunblock may be purchased at pharmacies under the self-medication benefit.
- Pre-authorized traveling costs for specialist referrals in Namibia partly covered if residing more than 150km from Windhoek – Accommodation included, limited to N$875 per night, maximum of 2 nights per family per annum.
- No basic dentistry will be covered under the oral surgery benefit.
- Intraocular lenses included in Appliances and prosthesis surgical benefit – limited to N$7,000 per lens. Refer to 3.7.
- Blood pressure monitor: N$635 per beneficiary.
- Auxiliary services – 15 consultations inclusive of 5 virtual consultations per listed specialties. Subject to available benefits.
- A Smart Saver benefit is added to a family’s Accumulated Roll-Over benefit on completion of:
- A health risk assessment by the principal member or an adult dependent at any of the Fund’s Wellness Days or at a qualifying pharmacy;
- Any of the preventative care benefits offered by the Fund by a qualifying beneficiary.
Forms
Select and download all application, registration and request forms as well as information on NHP’s designated service providers, tariffs and travel insurance.
Information and Services
BMI Calculator
BMI is the abbreviation for your Body Mass Index. In order to calculate your BMI, you need to know your height and weight.
Chronic Lifestyle Diseases
This benefit is only available to NHP Gold, Platinum and Titanium members.
Babyline
Babyline is a 24-hour children’s health advice line manned by paediatric trained registered nurses.
The NHP mobile app
Keep track of benefits, process claims and do much more.
Back and Neck Rehabilitation
The back and neck programme helps members living with chronic back and neck pain.
Benefit suggestions
These life stages aim to illustrate the thoughtful consideration given to the evolving healthcare needs of individuals at different points in their lives. By aligning medical aid benefits with these life stages, we ensure that our members receive targeted and effective healthcare support throughout their journey.
Young Adults
18-30 years young
- Comprehensive preventive care coverage for routine check-ups and vaccinations.
- Access to virtual health consultations for convenient healthcare support.
- Basic dental and vision coverage for early preventive measures.
- Wellness programmes and resources to promote a healthy lifestyle.
Suggested options:
Establishing Families
31-45 years young
- Enhanced maternity benefits including prenatal and postnatal care.
- Pediatric coverage for vaccinations, well-child visits, and common childhood illnesses.
- Expanded family planning and fertility treatment options.
- Comprehensive coverage for routine and preventive care.
Suggested options:
Mid-Life Professionals
46-60 years young
- Comprehensive coverage for chronic conditions management.
- Specialised screenings for age-related health concerns.
- Access to specialists for managing mid-life health challenges.
- Mental health support and counseling services.
Suggested options:
Seniors
61+ years young
- Back and neck rehabilitation
- Comprehensive coverage for Chronic conditions management
- Specialised screenings for age-related health concerns
- Access to Specialists for managing mid-life health challeneges
