Why are NHP’s benefits “Family focused”?

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As the health status of family members within the family differs, so the requirements in respect of medical services of the various family members may differ too. In order to allow for greater flexibility in the utilisation of benefits, these are calculated by family unit and can be added together and allocated to a single family member within a family, should this be required.


In principle the Fund recognises that even within the same family the health risks and needs vary from person to person. The Fund enables you and your family to decide how best to utilise the benefits available within your selected option.

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