Important considerations when choosing

Choosing the Right Medical Aid Cover in Namibia

Medical aid is not a one-size-fits-all solution. Choosing the right plan depends on your health needs, lifestyle, and how much you can afford. Here's what to consider before making your decision.
  • What Can You Afford? (Premiums can range from N$1,000 to over N$10,000 The more cover you want, the higher the cost)
  • What Cover Do You Need? (Medical aid typically includes: In-hospital expenses, out-of-hospital expenses)
  • Can You Cover Out-of-Hospital Costs Yourself? (you may only need hospital cover If not, look for a plan with a Medical Savings Account )
  • Age and Health Status Matter Younger and healthier? (You may need basic cover Older or managing chronic conditions)
  • Understand the Fund’s Stability Check the reserve level (Choose a fund with a solid financial base)
  • Administration & Claims (Choose a fund with a reliable administrator for smooth claims and support )
  • In-Hospital Benefits & Exclusions (Check what percentage of NAMAF tariff your plan covers, be aware of co-payments and exclusions)
  • Out-of-Hospital Benefits (New generation plans give you annual savings up front, these cover daily medical expenses until used up)
  • Chronic Medication (Confirm your condition and medication are on the fund’s approved list)
  • Special Programs - Oncology, Dialysis, HIV (Ensure you understand what’s covered and how to access benefits)

The following are other examples of terrorist financing methods and techniques:

1. What can I realistically afford per month?
2. Do I need in-hospital only or comprehensive cover?
3. What are my regular medical needs based on past expenses?
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