Overall Annual Limit
Unlimited at State Hospitals
Per family: N$ 368, 000 at Private Hospitals
Renaissance Health offers medical aid product plans customised to your individual needs. Your benefit option should fulfill the needs of you and your family at a monthly contribution that you can afford.
Peace of mind with superior hospital benefits, including selected benefits with no sub-limits.
Maternity registrations, 80% of unused Benefit Builders, wellness screening and low claiming rewards.
Make your Out-of-Hospital Benefits go further by providing extra cover and peace of mind.
9 members or less
|GROUP RATE 1
For groups with 10 – 49
|0 – 1, 500||615||425||185||530||380||165|
|1, 501 – 3, 000||685||485||205||570||425||190|
|3, 001 – 6, 000||805||565||265||685||480||230|
|6, 001 +||1,110||765||345||945||680||285|
|INCOME||GROUP RATE 2
For groups with 50 – 249
|GROUP RATE 3
For groups with 250 and more
|0 – 1, 500||495||340||160||460||325||155|
|1, 501 – 3, 000||540||395||170||515||390||160|
|3, 001 – 6, 000||645||465||190||625||440||190|
|6, 001 +||890||645||270||855||605||265|
|Total all-inclusive overall annual limit||Unlimited at State Facilities|
|Hospital Benefit Group (Subject to clinical risk management protocols)||N$ 368, 000 per family|
|Private hospital (Including medicines, materials, hospital apparatus and seven days Take-Out Medication).||100%||No benefit|
|Accommodation in private wards.||100%||No benefit|
|State hospitals (Including medicines, materials, hospital apparatus & seven days, Take-Out Medication).||100%||Part of the Overall Annual Limit|
|Sub-acute facility ward fees. (Admission in lieu of hospitalisation).||100%||Part of the sub-limit in a private hospital and unlimited in State facilities|
|Consultations including treatment and services.||100%||Part of the Overall Annual Limit|
|Radiology and Pathology.||100%|
|Post Operative Extended Benefit (Following major surgery). Part of pre-authorisation and clinical protocols.||No benefit|
|Surgical procedures done in rooms / Unattached theatres||Part of the Overall Annual Limit|
|Doctors’ rooms – Selective surgical and endoscopic procedures, circumcisions. Inclusive benefit – Admissions, surgery,
treatment and services. Part of pre-authorisation and clinical protocols.
|180%||Part of the Overall Annual Limit|
|Admission to unattached operating theatres and sub-acute facilities.||100%|
|Selective surgical and endoscopic procedures, circumcisions – unattached operating theatres, doctors’ rooms and subacute
facilities. Including surgery, treatment and services. Part of pre-authorisation and clinical protocols.
|MRI / CT / Pet scan / Bone density (In – and out-of-hospital)||N$ 8, 300 per family
N$ 4, 200 per beneficiary
|In- and Out-of-Hospital Benefit. Part of pre-authorisation and clinical protocols.||100%||Part of the sub-limit|
|Maxillofacial and dental surgery (In – and out-of-hospital)||N$ 16, 300 per family|
|Non-elective maxillofacial / oral surgery – Trauma, including dental extractions of more than three teeth or multiple fillings in children under the age of ten and disabled dependants / removal of impacted wisdom teeth. (All-inclusive benefit – surgery, treatment and services). Part of clinical protocols.||100%||Part of the sub-limit|
|Dental and oral surgery||No benefit|
|Elective dental and oral surgery, including dental implant surgery, excluding the cost of the dental implant. (All-inclusive
benefit – surgery, treatment and services). Part of clinical protocols and applicable Medical Aid Fund Rules.
|Eye Surgery||N$ 54, 000 per family|
|Admission.||100%||Part of the sub-limit|
|Including cataract surgery, glaucoma surgery, eye muscle surgery, corneal surgery, eye removal, vitreo-retinal surgery, etc. (All-inclusive benefit – admission, surgery, treatment and services). Part of clinical protocols and twelve month waiting period.|
|Excimer laser and radial keratotomy only after two years membership. (All-inclusive benefit – admissions, surgery,
treatment and services). Part of clinical protocols.
|Reconstructive Surgery||No benefit|
|Reconstructive Surgery – After two years membership, including breast reductions. (All-inclusive benefit – admissions,
surgery, treatment and services). Part of clinical protocols.
|Alternative Services||No benefit|
|In- and Out-of-Hospital Benefit including occupational therapy, private nursing, palliative care (end stage terminal
diseases) and frail care.
|In- and Out-of-Hospital treatment and services, including psychiatric hospital accommodation, treatment and services, alcohol & drug addiction, addiction therapy and related pathology. (Part of treatment plan protocols). Excluding auxiliary services, which is part of the day to day benefit limits.||State facilities only
No benefit in private hospitals
|Internal prosthesis – example: knee / hip / pacemakers. Part of pre-authorisation and clinical risk management protocols.||100%||State facilities only
No benefit in private hospitals
|Oncology (Including chemo and radiation treatment), organ transplant, acute renal and peritoneal dialysis (In hospital).||100%||State facilities only
No benefit in private hospitals
|Oncology (Including chemo and radiation treatment), organ transplant, acute renal and peritoneal dialysis (Out of hospital).|
|Motor Vehicle Accidents (MVA).|
|Health is vital||Part of the Overall Annual Limit|
|Hospital and treatment.||100%||Part of the Overall Annual Limit|
|HIV / AIDS visits.||100%||N$ 3, 500 per family|
|HIV / AIDS pathology.||100%||N$ 12, 700 per family|
|HIV / AIDS medication.||100 NRP%||N$ 41, 600 per family|
|HIV counselling.||100%||N$ 4, 900 per family|
|Professional Services||N$ 9, 300 per family
N$ 4, 700 per beneficiary
|General Practitioner, specialist consultations and primary healthcare consultations.||100%||Part of Professional Service limit|
|General Practitioner and specialist administration fee for chronic patient applications and medical reports.||No benefit|
|Pharmacist and telephone consultations.||100%||Part of Professional Service limit|
|General Practitioner / primary and specialist procedures in rooms including equipment, materials and
|Psychiatric treatment.||No benefit|
|Radiology.||100%||Part of Professional Service limit|
|Paramedical Services||No benefit|
|Including physiotherapy, social workers, speech therapy, audiology, acousticians, dieticians, occupational
therapy, clinical psychology, biokinetics, homeo / chiro / osteopathy, podiatry, acupuncture, etc.
|Auxiliary services – Biokinetics, homeo / chiro / osteopathy, podiatry, acupuncture, etc.|
|External Prosthesis and medical appliances||No benefit|
|Prosthesis external – Artificial arms / legs / eyes every two years. Part of pre-authorisation and approval.||No benefit|
|Special external medical appliances – Wheelchairs every three years; hearing aids apparatus every two years.
Part of pre-authorisation and approval.
|General external medical appliances – Including glucometers, blood pressure monitors, stockings, braces etc.
Part of pre-authorisation and approval.
|Optical Benefit||N$ 950 per family
N$ 630 per beneficiary
|Eye tests.||100%||Part of the sub-limit|
|Lenses / contact lenses.||100%|
|Frames, once every two years.||100%|
|Dentistry Benefit||N$ 5, 300 per family
N$ 2, 600 per beneficiary
|Conservative dentistry – Fillings, extractions and oral hygiene.||100%||Part of the sub-limit|
|Special dentistry – Dental implants, crowns, bridges, dentures and orthodontic treatments. Part of preauthorisation and approved treatment plan.||100%||Plastic dentures every 2 years|
|Medical Benefit||N$ 6, 900 per family
N$ 3, 400 per beneficiary
|Acute medication – Preferred and non-preferred||100% NRP||Part of the sub-limit|
|Pharmacy initiated therapy and OTC medication. Maximum of N$ 200 per script.||No benefit|
|Primary health scripts.||100% NRP||Part of the sub-limit|
|Chronic medication – Preferred and non-preferred.||100 NRP|
|Extended Medication Benefit||No benefit|
|In- and Out-of-Hospital: Extended Medication Benefit cover for oncology, renal care and organ transplant
(excluding chemo and radiation therapy and treatment). Part of registration and treatment plan protocols.
Chronic medication related to severe illness conditions may be extended to this benefit, where Medication
Benefit has been depleted. Part of registration and treatment plan protocols.
|Non preferred medication.|
|Specialised medicines such as biologicals (In terms of defined conditions and part of managed care protocols
– excluding off-label medication. In- and Out-of-Hospital).
|Maternity and baby benefit||Part of the Overall Annual Limit|
|Gynaecology / obstetric – In hospital.||180%||Part of the sub-limit in private hospitals
Unlimited in State facilities
|Gynaecology / obstetric – Out of hospital.||100%|
|Maternity scans.||100%||2 scans per beneficiary|
|Antenatal visits.||100%||12 visits per beneficiary|
|Amniocentesis – AHB excluded.||100%||Part of the sub-limit in private hospitals
Unlimited in State facilities
|Neonatal ICU / ward fees.||100%|
|Paediatrician visits – Postnatal.||100%|
|Wellness Management||N$ 10,000 per family|
|Preventative Health Benefit (Members may earn benefit rewards for participation)||Part of Wellness Management|
|Blood sugar test, cholesterol test, BMI and blood pressure measurement.||100%||1 per beneficiary, per annum|
|Mammogram (inclusive DEXA bone density scan) – Radiology.||100%||1 per female, over 40 years, per annum|
|Pap smear. Pathology including general practitioner / gynaecology visits.||100%||1 per female, over 20 years, per annum|
|HIV test all ages.||100%||1 per beneficiary|
|Prostate screening. Pathology prostate specific antigen test.||100%||1 screen per male beneficiary over the age of 50 years, per annum|
|Chronic disease wellness management – Follow-up test in the management of selective chronic diseases
including: chronic renal failure, diabetes mellitus type 1 & 2, HIV / Aids, hyperlipidemia and multiple sclerosis
(MS) – Excluding specialised radiology, which will be payable from the available MRI / CT Benefit.
|100%||Part of Wellness Management sub-limit.
In accordance with an approved clinical treatment plan, for routine follow-up tests when required.
|Wellness Reward – Benefit Wallet Allocation for preventative health behaviour||Benefit Wallet Reward Points|
|Blood sugar test, cholesterol test, BMI and blood pressure measurement.||100|
|Mammogram (inclusive DEXA bone density scan) – Radiology.||150|
|Pap smear. Pathology including general practitioner / gynaecology visits.||100|
|HIV test, all ages.||100|
|Prostate screening. Pathology prostate specific antigen test.||150|
|Chronic medication compliance.||150|
|Immunisation (Vaccines only)||Part of Wellness Management|
|Flu vaccines.||100% NRP||1 flu vaccination per beneficiary, per annum|
|Pneumococcal vaccine.||100% NRP||1 per beneficiary, over 65 years, per annum|
|Baby immunisations 0 – 7 years.||100% NRP||Vaccinations for children 0 – 7 years|
|HPV vaccine – Females between 9 – 30 years.||100% NRP||3 injections during the course of a year, once per lifetime|
|Preventative rehabilitation treatment||No benefit|
|Orthopaedic rehabilitation and treatment relating to Chronic disease management – Part of approved treatment
plans, pre-authorisation and clinical risk management. (Note – Biokinetic treatment plans for orthopaedic
rehabilitation and chronic members disease management – may first be approved and payable from the normal
day to day Paramedical Services Benefit – additional required treatment sessions may be considered for approval
from the Preventative Rehabilitation Treatment Benefit – subject to available treatment sessions).
|Covers monthly Medical Aid Fund contributions on the life of the Principal Member.||100%||3 months|
|Travel and accommodation benefit||No benefit|
|Transport cost when referred for specialist services not available in the area of residence.||No benefit|
|Benefit Rewards||Low claiming threshold levels|
||Principal Member N$ 700
Adult Dependant N$ 450
Child Dependant N$ 200
|Accumulated Benefit Wallet benefits may be used for purchasing of medical treatment and services in terms of
the Medical Aid Funds Act, provided that the member pays first and claims back from the Benefit Wallet within
the 4 month claiming period. Allow Provider payments for excess of Benefit and tariff rejections.
|100% of cost||Subject to availability of Benefit Wallet benefits, medical treatment and services obtained from a registered medical facility.|
|Longstanding membership rewards||Group Rate 1 Contributions|
|A member who is 65 or older and has been with the Fund for more than 20 years may qualify for Group Rate 1 contribution.||Provided the member is not already on a Group Rate status|
|International rescue me & assistance (In addition to the overall annual limit)||N$ 10, 000, 000 per family|
|Emergency evacuation and ambulance services (air or road).||100%||Terms and conditions|
|Repatriation (SADC) – Return after emergency or return of mortal remains.||100%||Related to emergency evacuation|
|Medical treatment.||100%||Terms and conditions|
|Evacuation, repatriation, return of children.||100%||Terms and conditions|