Additional In-hospital Cover
The Fund offers its members a major medical expense benefit that automatically covers a certain percentage on top of the NAMAF benchmark tariff, depending on the benefit option chosen, for services provided in hospital by healthcare providers. This cover is over and above the normal benefits.
The Gold, Platinum, Titanium, Silver, Bronze and the Hospital benefit options cover is 200% of the NAMAF tariff allowed for services provided in hospital by healthcare providers. This cover is included in the normal benefits.
Benefits include:
- Medical or dental practitioners,
- Medical or dental specialists,
- Physiotherapy, biokinetics, dieticians, occupational therapy, speech therapy, audiology and psychology while the patient is in hospital,
- Radiology, and
- Pathology.
Please note: The Titanium, Gold, Platinum, Silver, Bronze and the Hospital benefit options cover is 200% of the NAMAF tariff allowed for services provided in hospital by healthcare providers. This cover is included in the normal benefits.
Benefits excluded:
- HIV/AIDS,
- National epidemics,
- Organ transplants,
- Post-hospitalisation and rehabilitation medication,
- Pre-existing conditions,
- Refractive surgery,
- Dental surgery, but for children under 8-years of age and maxillofacial surgery,
- Dental implants,
- Oral surgery, and
- Orthognathic surgery
The Board of Trustees reserves the right to review all major claims before such claims are reimbursed to members.
Please note: In order to qualify for GAP cover; please ensure that all the relevant accounts are submitted to the administrator within the same 4 month grace period in which to submit normal claims. Members who have reached their benefit limit in respect of surgical prostheses will not qualify for the GAP cover benefit in respect of the additional in-hospital cover. No additional in-hospital cover will be granted in respect of any set benefits, for example in the case of oral surgery where a benefit for the full procedure has been granted.
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
Chronic Lifestyle Diseases
Babyline
The NHP mobile app
Back and Neck Rehabilitation
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