Smart Saver benefit
Preventative Care incentives
- The member is incentivised to utilise the Funds available Preventative Care benefits.
- This benefit is granted on a per beneficiary basis i.e. if two members in the same family gofor the same test then both beneficiaries may be rewarded / incentivised (e.g. 2 x N$ 150 for bone density testing for a pensioner couple).
- The rules pertaining to Preventative Care benefits will apply and be taken into consideration when quantifying the amount applicable and to be transferred to the members Accumulated Roll-Over Account.
This benefit will be applied on each option and for each Preventative Care benefit as follows:
Preventative care benefit | Gold | Platinum | Titanium | Silver | Bronze |
Mammogram | 150 | 150 | 100 | 100 | 75 |
Pap smear | 150 | 150 | 100 | 100 | 75 |
Cervical vaccination | 150 | 150 | 100 | 100 | 75 |
Prostate screening | 150 | 150 | 100 | 100 | 75 |
Bone density screening | 150 | 150 | 100 | 100 | 75 |
Colorectal cancer screening | 150 | 150 | 100 | 100 | 75 |
Lipogram (Cholesterol) | 150 | 150 | 100 | 100 | 75 |
HIV screening | 150 | 150 | 100 | 100 | 75 |
Flu vaccine | 150 | 150 | 100 | 100 | 75 |
Pneumococcal vaccine | 150 | 150 | 100 | 100 | 75 |
Introducing the Health Risk Assessment (HRA) Incentive
Every family on one of the qualifying options, will receive one incentive amount upon the successful completion and submission of a Health Risk Assessment (Wellness screening) at either of any of the wellness events organised by the Fund or alternatively at any designated network pharmacies.
Members may go to any of the Fund’s wellness days or at a network pharmacy for an HRA to be done. Such HRA may be claimed at he rate of N$ 180 per screening, if conduscted at a network pharmacy. This benefit is limited to one (1) incentive per family per annum and will be granted on a per beneficiarty basis.
The maximum amount for which a member may qualify, in respect of the successful completion of a number of HRA’s per family, may not be more than the family benefit quoted below:
Option | Smart Saver benefit per family |
Gold | N$ 1. 000 |
Platinum | N$ 1 000 |
Titanium | N$ 750 |
Silver | N$ 750 |
Bronze | N$ 500 |
Hospital | N$ 500 |
Blue Diamond | No benefit |
Litunga | No benefit |
Please note: Vaccinations for diseases not on the list above are covered by your Acute Medication benefit. Identification of high risk members for intervention is done through the NHP Wellness Programme, where members can form part of the NHP Beneficiary Risk Management (BRM) Programme, if they agree to enrol.
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