Gold [2018]

Contributions start from
N$ 3,411.00
for an individual principal member

The Gold benefit option is a "traditional" type of benefit option offering various sub-limits in respect of day-to-day expenses. In addition, the "per family benefit" concept is very popular whereby benefits are not reserved on a per beneficiary basis, but rather enable members of the family to access the overall family benefit should he or she need it.

The Gold benefit option offers the most comprehensive benefits for both major and day-to-day medical expenses. This benefit option is considered ideal for members wishing to ensure that their medical costs are covered to the greatest extent. The Gold benefit option is best suited for members who are older and whose health risk is high, as well as members requiring extensive chronic medicine and orthodontic treatment.

Please note: All services are paid at 100% of the NAMAF benchmark tariff, unless indicated otherwise.

Roll-Over Benefit

For diligent management of your healthcare expenditure:
PrincipalN$ 6,390.00
Adult/Special dependantN$ 1,630.00
ChildN$ 1,630.00

Example Roll-over Benefit:

(Principal member + spouse + two children) = N$ 11,280.00 per year

Spec dep         Special dependant


  • Legend:
    • OAL = Overall annual limit
    • SPA = Subject to prior approval
  • Flu vaccines are covered as part of the preventative care benefit.
  • Vitamins under specific conditions to be authorised from the Chronic benefit.
  • Limited benefit for vitamins available under 2.1.4. above, without a prescription.
  • NHP pays for contraceptives (oral and injections) limited to N$205 per claim.
  • Sunblock may be purchased at pharmacies under the Self-medication benefit.
  • Pre-authorised travelling costs for specialist referrals in Namibia partly covered if residing more than 150km from Windhoek – Accommodation included, limited to maximum N$500 per night, maximum of 2 nights per family per annum.
  • No basic dentistry will be covered under the oral surgery benefit.

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Gold Benefits

Click on the link below to view the for the 2019 option benefits.

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