What can I use my Roll-Over benefits for?

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While you are a member of the Fund, any positive accumulated balance in your Roll-Over Benefit account may be used to pay for:

  • Routine medical costs
  • Outstanding member’s portions
  • Treatment normally excluded from your benefits
  • Medical expenses with a valid chargeable Nappi Code which are usually excluded by the Fund. The medical services must be provided by a registered healthcare provider
  • The difference between the actual medical costs and the NAMAF tariff for medical services covered by the Rules
  • Medical aid contributions and for contribution “holidays”


Claims for conditions, procedures or medicines excluded by the Rules, including exclusions from optical and dental benefits may be paid from the balance of your Roll-Over Benefit.


Attach proof of purchase and the payment will be reimbursed from the Roll-Over Benefit account. Payments made from the Roll-Over Benefit will not accumulate towards reducing the next year’s Roll-Over Benefit.


Any non-medical expenses without a valid chargeable Nappi Code which are not provided by a registered healthcare provider will not qualify for benefits under the accumulated Roll-Over Benefit.


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