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Overall, the Nammed Comprehensive Medical Aid Plan is a trustworthy and comprehensive medical aid plan that offers 24/7 medical emergency assistance and preventative care to up to 3 Family Members. The Nammed Comprehensive Medical Aid Plan starts from N$5,786.
🔎 Medical Aid Plan | 🥇 Nammed Comprehensive |
🌎 International Cover | ✅ Yes |
👤 Main Member Contribution | N$5,786 – N$13,073 |
👥 Adult Dependent Contribution | $N4,801 – N$10,846 |
🍼 Child Dependent Contribution | N$2,246 |
🔁 Gap Cover | None |
📉 Screening and Prevention | ✅ Yes |
💶 Medical Savings Account | None |
💙 Maternity Benefits | ✅ Yes |
↪️ Pre and Postnatal Care | ✅ Yes |
The Nammed Comprehensive is one of 6 plans, starting from N$4,012. The Nammed Comprehensive plan offers extensive and premium healthcare benefits in terms of hospitalization, maternity, preventative care, mental health, HIV/AIDS, and more. Gap Cover is not available on the Nammed Comprehensive Plan. However, Nammed has 24/7 medical emergency assistance.
🔎 Age Bracket | 👤 Main Member | 👥 Adult Dependent | 🍼 Child Dependent |
1️⃣ Under 25 | $N5,786 | $N4,801 | N$2,246 |
2️⃣ 25 – 29 | $N6,248 | $N5,186 | N$2,246 |
3️⃣ 30 – 34 | $N6,845 | $N5,679 | N$2,246 |
4️⃣ 35 – 39 | $N7,943 | $N6,585 | N$2,246 |
5️⃣ 40 – 45 | $N8,654 | $N7,183 | N$2,246 |
6️⃣ 46 – 50 | $N9,349 | $N7,755 | N$2,246 |
7️⃣ 51 – 55 | $N10,186 | $N8,453 | N$2,246 |
8️⃣ 56 – 60 | $N11,002 | $N9,125 | N$2,246 |
9️⃣ 61 – 65 | $N12,105 | $N10,040 | N$2,246 |
🔟 65> | $N13,073 | $N10,846 | N$2,246 |
🔎 Age Bracket | 👤 Main Member | 👥 Adult Dependent | 🍼 Child Dependent |
1️⃣ Under 25 | $N4,425 | $N3,674 | N$1,791 |
2️⃣ 25 – 29 | $N4,780 | $N3,969 | N$1,791 |
3️⃣ 30 – 34 | $N5,236 | $N4,343 | N$1,791 |
4️⃣ 35 – 39 | $N6,073 | $N5,036 | N$1,791 |
5️⃣ 40 – 45 | $N6,616 | $N5,493 | N$1,791 |
6️⃣ 46 – 50 | $N7,145 | $N5,929 | N$1,791 |
7️⃣ 51 – 55 | $N7,790 | $N6,465 | N$1,791 |
8️⃣ 56 – 60 | $N8,414 | $N6,982 | N$1,791 |
9️⃣ 61 – 65 | $N9,254 | $N7,677 | N$1,791 |
🔟 65> | $N9,995 | $N8,298 | N$1,791 |
🔎 Medical Aid Plan | 🥇 Nammed Comprehensive | 🥈 Discovery Health Classic Smart | 🥉 Bonitas BonComplete Plan |
🌎 International Cover | ✅ Yes | R5 million | R10 million |
👤 Main Member Contribution | N$5,786 – N$13,073 | R2,627 | R5,359 |
👥 Adult Dependent Contribution | $N4,801 – N$10,846 | R2,073 | R4,293 |
🍼 Child Dependent Contribution | N$2,246 | R1,049 | R1,455 |
🔁 Gap Cover | None | ✅ Yes | ✅ Yes |
📉 Screening and Prevention | ✅ Yes | ✅ Yes | ✅ Yes |
💶 Medical Savings Account | None | None | ✅ Yes |
💙 Maternity Benefits | ✅ Yes | ✅ Yes | ✅ Yes |
↪️ Pre and Postnatal Care | ✅ Yes | ✅ Yes | ✅ Yes |
🟥 Overall Annual Limit | There is no overall annual limit. |
☑️ Hospitalization and Subacute Facilities | – |
🟧 Ward Fees – Hospital | Covered up to 100% of the Namaf tariff. |
🟨 Ward Fees – Sub-acute facilities | Covered up to 100% of the Namaf tariff. |
🟩 Theatre Fees, recovery rooms, Intensive Care, High Care | Covered up to 100% of the Namaf tariff. |
🟦 Medicine and Materials used in the hospital, including take-home medicine for 7 days. | Covered up to 100% of the Pricing Structure. |
☑️ Medical Specialists and General Practitioners | – |
🟪 Hospital Visits | Covered up to 200% of the Namaf tariff. |
🟥 Surgical procedures are done in theatre | Covered up to 200% of the Namaf tariff. |
☑️ Organ Transplants | – |
🟧 Supply and transportation of organs (including accommodation) | Covered up to 100% of the Namaf tariff. |
🟨 Immuno-suppressant drugs | Covered up to 100% of the Namaf tariff. Limited to N$117,500 per family. Subject to the organ transplant benefit. |
🟩 Renal Dialysis | Covered up to 100% of the Namaf tariff. Limited to N$236,000 per family. |
☑️ Internal Prostheses | – |
🟦 Unspecified internal prostheses | Covered up to 100% of the cost. Limited to N$56,200 per family. |
🟪 Cardiac stents | Covered up to 100% of the cost. Limited to N$32,500 per stent. Limited to 3 stents per year. |
🟥 Cardiac Pacemakers | Covered up to 100% of the cost. Limited to N$80,600 per family. |
🟧 Cardiac Valves | Covered up to 100% of the cost. Limited to N$41,400 per valve. Limited to two valves per year. |
🟨 Complete hip replacement | Covered up to 100% of the cost. Limited to N$49,700 per hip. Limited to two hips per year. |
🟩 Complete knee replacement | Covered up to 100% of the cost. Limited to N$49,700 per knee. Limited to two knees per year. |
🟦 Complete shoulder replacement | Covered up to 100% of the cost. Limited to N$49,700 per shoulder. Limited to two shoulders per year. |
🟪 Spinal instrumentation | Covered up to 100% of the cost. Limited to N$58,000 per family. |
☑️ Radiotherapy and Oncology | – |
🟥 All Services, Including Chemicals | Subject to the OAL. Covered up to 100% of the Namaf tariff. |
☑️ Dental Surgery | – |
🟧 Trauma Surgery | Subject to the OAL. Covered up to 200% of the Namaf tariff. |
🟨 Maxillofacial and oral surgery – Hospital Visits | Subject to the OAL. Covered up to 200% of the Namaf tariff. |
🟩 Maxillofacial and oral surgery – elective procedures performed in theatre | Hospitalization is covered by up to 100% of the Namaf tariff. Anesthetists are covered by up to 200% of the Namaf tariff. Limited to N$14,000 per family. |
🟦 Dental Implants Procedures in Theatre | Covered up to 100% of the Namaf tariff for Hospitalisation. Covered up to 200% of the Namaf tariff for the anesthetist. Limited to N$9,400 per family. |
☑️ Specialized Radiology | – |
🦴 MRI, CT, and Bone Density Scans | Covered up to 100% of the cost. Limited to N$42,600 per family. A 10% co-payment applies. |
⚠️ US Scans and Mammograms | According to the Specialised Radiology Benefit. |
🧪 Radiology and Pathology In-Hospital | Covered up to 100% of the cost. |
🤰 Pregnancy Sonars | Limited to 3 sonars per pregnancy. Covered up to 100% of the cost. |
☑️ Medical Appliances and External Prostheses | – |
📌 Unspecified External Prostheses | Covered up to 100% of the cost. Limited to N$26,400 per family. |
🦿 Artificial leg (partial or complete) | Covered up to 100% of the cost. Limited to N$54,500 per family. |
🦾 Artificial arm (partial or complete) | Covered up to 100% of the cost. Limited to N$55,900 per family. |
👁️ Artificial eye | Covered up to 100% of the cost. Limited to N$19,100 per family. |
🦻 Hearing Aids | Covered up to 100% of the cost. Limited to N$26,400 per family. Limited to 2 hearing aids per beneficiary every 4 years. |
☑️ Ambulance Services | – |
🔴 Emergency transport | Covered according to the agreement between Nammed and LifeLink. |
🟠 Non-emergency transport | Covered up to 100% of the cost. Limited to N$16,000 per family. Doctor motivation is required. Subject to the available limit. |
☑️ Other Services | – |
🟡 Physiotherapy in hospital | Covered up to 100% of the Namaf tariff. |
🟢 Radial Keratotomy/Excimer Laser Procedures | Covered up to 100% of the cost. Limited to N$25,400 per family. |
🔵 Hyperbaric Oxygen therapy | Covered up to 100% of the cost. Limited to N$47,800 per family. Subject to pre-approval. |
🟣 Blood Transfusions | Covered up to 100% of the cost. |
🔴 Psychiatric in-hospital treatment | Covered up to 100% of the Namaf tariff. Limited to N$63,700 per family. |
🟠 Private nursing, hospice services, and frail care services | Covered up to 100% of the cost. Limited to N$59,300 per family. |
🟡 Substance Abuse | Limited to one rehabilitation per family. Covered up to 100% of the Namaf tariff. |
🟢 Infertility Treatment | Covered up to 100% of the Namaf tariff. Limited to N$43,200 per family. |
☑️ Maternity Benefit | – |
🔵 Medical Practitioner visits in the hospital | Covered up to 200% of the Namaf tariff. |
🟣 Medical Practitioner – Surgical procedures in theatre | Covered up to 200% of the Namaf tariff. |
🔴 Labor and ward fees | Covered up to 100% of the Namaf tariff. Length of stay limited to the following: Natural birth – 3 days Cesarean – 4 days |
🟠 Midwife services | Covered up to 100% of the Namaf tariff. Limited to N$14,700 per case. |
🟡 Antenatal consultations | Covered up to 100% of the Namaf tariff. Limited to 12 consultations per family per year. |
🟢 Childbirth Education Classes | Covered up to 100% of the cost. Limited to 6 classes up to N$210 per class. Subject to the antenatal consultation limit. |
🔵 General Practitioner Visits during the first year | Covered up to 100% of the Namaf tariff. Limited to 4 visits during the newborn’s first year. |
🟣 Immunizations from birth to 10 years | Covered up to 100% of the Pricing Structure. |
🔴 Pediatrician 6-week checkup | Covered up to 100% of the Namaf tariff. |
The Out-of-Hospital Annual Day-to-Day limits are as follows:
✅ General Practitioner and Specialist Services
Covered up to 100% of the Namaf tariff:
✅ Medication
💊 Self-Medication (including vitamins and sunscreen) | Covered up to 100% of the Pricing Structure. Limited as follows: Quarter 1 – N$1,740 per family. Quarter 2 – N$2,050 per family. Quarter 3 – N$2,050 per family. Quarter 4 – N$1,740 per family. |
💉 Acute/Prescribed Medication | There is a 20% levy at the point of service. Medication is covered as follows: Main Member + 0 – N$10,400 Main Member + 1 – N$15,900 Main Member + 2 – N$19,600 Main Member + 3 – N$22,600 Main Member + 4 – N$25,600 Main Member + 5 – N$28,600 |
💛 Chronic Medication | Limited to N$52,800 per family yearly. Subject to Nammed approval. There is a 25% script levy for members . |
✅ Specialized Medication
✅ HIV Medication
✅ Basic Dentistry and Specialized Dentistry
📌 Additional Basic Conservative Dental Benefit includes: Comprehensive Consultation Root Canal Oral Hygiene Counselling Restoration Refinements, etc. | The cover is provided as follows: Main Member + 0 – N$5,500 Main Member + 1 – N$8,500 Main Member + 2 – N$9,900 Main Member + 3 – N$11,300 Main Member + 4 – N$12,700 Main Member + 5 – N$13,900 |
📍 Specialized Dentistry Overall Limit | The cover is provided as follows: Main Member + 0 – N$54,200 Main Member + 1 – N$60,600 Main Member + 2 – N$63,700 Main Member + 3 – N$65,400 Main Member + 4 – N$66,900 Main Member + 5 – N$70,100 |
🪥 Orthodontic treatment | Limited to N$34,300 per family. |
🦷 Other specialized Dentistry and Dental implants | The cover is provided as follows: Main Member + 0 – N$32,000 Main Member + 1 – N$37,500 Main Member + 2 – N$40,600 Main Member + 3 – N$43,800 Main Member + 4 – N$46,200 Main Member + 5 – N$49,400 |
✅ Optical Benefits
😎 Optometrist Consultation Spectacles including frames, lenses, contact lenses, prescription sunglasses | Covered up to 100% of the Namaf tariff. Frames are included in the benefit, limited to N$2,500 per available day-to-day benefit. Optical is limited to the following: Main Member + 0 – N$7,100 Main Member + 1 – N$9,600 Main Member + 2 – N$12,100 Main Member + 3 – N$14,600 Main Member + 4 – N$17,100 Main Member + 5 – N$19,600 |
✅ Supplementary and Paramedical Services
❤️ This benefit covers the following: Clinical Psychology Physiotherapy Audiology Speech Therapy Dietician Occupational Therapy Biokinetics Chiropractor Homoeopathy Naturopathy Hearing Aid Acoustician, etc. | Covered up to 100% of the Namaf tariff. Limited to the following: Main Member + 0 – N$17,600 Main Member + 1 – N$21,300 Main Member + 2 – N$26,100 Main Member + 3 – N$31,000 Main Member + 4 – N$35,900 Main Member + 5 – N$40,800 |
☑️ Wellness Benefits | – |
🟥 Blood Sugar Tests | One test per year for members 21 years>. |
🟧 Cholesterol Screening | One test per year for members 35 years>. |
🟨 Glaucoma | One test per year for members 40 years>. |
🟩 Cervical Treatment | One Cervarix Treatment per female member between 10 and 30 years. Paid at SEP +50% |
🟦 Pap Smear | One test per year for female members 21 years>. |
🟪 Mammogram | One scan every two years for female members 40 years>. |
🟥 Prostrate Screening | One PSA test every two years for male members 40 years>. |
☑️ Self-Medication Benefits | – |
🟧 Preventative Care | The benefit is available every quarter. It can be claimed at a pharmacy. Includes certain vitamins and immune boosters. Includes certain sunscreens. There are no co-payments or script limits on certain medicine. |
☑️ Mental Health Benefit | – |
🟨 In-Hospital | Psychiatric treatment includes medication. |
🟩 Out-of-Hospital | Includes Virtual and In-person Consultations. Medication is included in treatment. |
☑️ Maternity Benefits | – |
🟦 Antenatal consultations | Limited to 12 consultations per year. |
🟪 Midwife services | Included in benefit. |
🟥 Childbirth Education Classes | Limited to 6 classes. |
🟧 GP visits | Limited to 4 visits in the first year after birth. |
🟨 Immunization | From birth up to 10 years. |
🟩 Pediatrician visit | One visit for a 6-week checkup. |
☑️ HIV/AIDS Program | – |
🟪 HIV/AIDS benefit | Treatment is tailored to the patient’s needs. Members have access to a medical facility during the time of related illness. Approval of HIV/AIDS medication. Approval of additional supporting medications (antibiotics and vitamins). The day-to-day pathology benefit covers related pathology or blood tests. |
☑️ Basic Dentistry Benefits | – |
🟪 Consultation/Oral Exam | Limited to 1 consultation per member every 6 months. |
🟥 Intra-oral Radiograph | Limited to two intra-oral radiographs per member yearly. |
🟧 Preventative Treatment – Prophylaxis and Polishing | One treatment per member every 6 months. |
🟨 Preventative Treatment – Topical Application of Fluoride | One treatment per member every 6 months. |
🟩 Dental Fissure Sealant | One treatment every 2 years for members up to 14 years. Limited to permanent molars and pre-molars. |
🟦 Extraction of a tooth or exposed tooth roots | Limited to 3 extractions per member per year. |
🟪 Restorations – Fillings | Limited to three restorations per member per year, one tooth every two years. |
🟥 Upper and Lower Full Plastic Dentures | Limited to one set per member every 4 years. |
✅ Exclusions
No cover is provided for any insured person who is 66 years of age or older for any of the following:
✅ Eligible Insured Persons
All scheme members are covered while traveling from their country of permanent or temporary residence to a destination outside the borders of Namibia or that specific residency, as agreed upon in the Policy Certificate.
✅ Cover Scope
The scope of cover is 24 hours for the period of international travel.
✅ Specific Conditions
☑️ Overseas Medical Expenses – Automatically covered | – |
🤕 Unexpected Illness Serious Injury unrelated to sporting activities Serious Injury while participating in a listed snow sport Serious Injury while participating in a listed sport activity | Eligible expenses authorized by Nammed are limited to N$10,000,000. Eligible expenses not authorized by Nammed are limited to N$10,000. Passive war and terrorism are covered up to N$5,000,000. |
☑️ Overseas Medical Expenses declared to Nammed | – |
🤧 Infectious and contagious diseases – declared and approved by Nammed | Eligible expenses authorized by Nammed are limited to N$10,000,000. Eligible expenses not authorized by Nammed are limited to N$10,000. |
✈️ Medical Evacuation or Repatriation arranged by Nammed | Included in Overseas Medical Expenses. |
🦷 Dental | Limited to N$2,000. |
❤️ Pre-Existing Medical Conditions – Inpatient 48 hours> | Limited to N$1 000,000. |
☠️ Cremation Overseas or Repatriation of Mortal Remains | Included in Overseas Medical Expenses when arranged by Nammed. |
🍼 Return of Children | Economy airfare when Nammed arranges it. |
🤝 Assistance Services | Included |
According to a Member’s medical history and the Rules of Nammed, a member can be subject to exclusions concerning a pre-existing specific illness or condition. This means no benefit will be paid for any expenses directly or indirectly related to this illness or condition. Consequently, any medical expenses arising from the pre-existing condition will be the Member’s sole responsibility.
They are moving from another registered Namibian Fund to Nammed.
The Nammed Comprehensive Plan is a top-of-the-line healthcare package offering its members a wide range of benefits and services. The plan is designed to provide comprehensive coverage for individuals and families who want the highest level of healthcare benefits available. The plan includes various medical services, such as inpatient and outpatient hospital care, surgical procedures, and specialist consultations. Members also have access to a network of healthcare providers and facilities throughout Namibia, ensuring they can receive high-quality medical care wherever they are located.
In addition to traditional medical services, the Nammed Comprehensive Plan includes several wellness programs and preventative care services. This includes regular health screenings, vaccinations, and health education programs. These services are designed to help members stay healthy and prevent serious medical conditions from developing. One of the stand-out features of the Nammed Comprehensive Plan is its dental cover. The plan covers many dental services, including routine checkups, cleanings, and major dental procedures.
This is particularly valuable for families with young children who may require frequent dental care. Overall, the Nammed Comprehensive Plan is an excellent choice for individuals and families who want the highest level of healthcare coverage available. While it is more expensive than other plans, the benefits and services are well worth the investment. Therefore, whether you need medical care for a serious illness or want to maintain your overall health and well-being, this plan has you covered.
Nammed Medical Aid has the following plans to choose from
The Nammed Comprehensive Plan is a top-of-the-line healthcare package that provides comprehensive coverage for individuals and families with the highest healthcare benefits available.
The plan includes various medical services, such as inpatient and outpatient hospital care, surgical procedures, and specialist consultations.
Yes, the plan includes a wide range of dental services, including routine checkups, cleanings, and major dental procedures.
Yes, members have access to a network of healthcare providers and facilities throughout Namibia, ensuring they can receive high-quality medical care wherever they are located.
The plan includes several wellness programs and preventative care services, such as regular health screenings, vaccinations, and mental health programs.
The Nammed Comprehensive plan starts from N$4,425 for the main member on the Group option.
Yes, the plan is designed for individuals and families so that you can add your spouse and children to your policy.
Yes, pre-existing conditions are covered under the plan, but waiting periods may apply.
You can enroll in the plan online or by contacting Nammed directly. You must provide basic information about yourself and your family to start.
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