Primary Download Package


This is a no frills package that gives access to all public health institutions including private general practitioners. It is popular with the lower income groups that may need access to GP’s from time to time.

Medical Benefits

Hospitalisation in Government, Mission and Municipal hospitals and clinics including Parirenyatwa, paid in full. In hospital drugs, paid in full whilst in Government, Municipal and Mission hospitals. The following are paid in full at AHFoZ rates.
  • General practitioners
  • Specialist Treatment Services at Government, Municipal and Mission hospitals.
  • Pathology and Radiology Services at Private, Government, Municipal and Mission hospitals.
  • Blood Transfusion Services (BTS).

Drug Benefit

  • There is an Annual Family Limit to Cover Prescription Drugs and are available to any beneficiary registered under a principal member.
  • Members can access generic prescription drugs on the Society’s Drug Facility arrangement with some pharmacies. Drugs are paid at approved Medical Aid Award rate.

Optical Benefits

Paid at 100% of cost up to package limit. Caters for lenses, frames and contact lenses. Eye tests are paid in full at Cimas rates. (Limited to Government suppliers only) .

Maternity Benefits

The following benefits are paid at Cimas awards
  • Generally paid at 100% at Government, Mission and Municipal hospitals. This benefit caters for maternity care, delivery and hospitalisation. Antenatal and postnatal visits are restricted to nine and five resprectively
  • General Practitioner maternity visits are paid at 100% of cost

Dental Benefits

Services rendered by Government, Municipal and Mission hospital dentists. These include inlays, root treatment, fillings, crowns and bridges. Awards are up to an annual limit.

Rehabilitative Services

Caters for Occupational and Speech Therapy, Clinical Psychology and Social Work and Physiotherapy at government hospitals. Awards are paid up to an annual limit.

Prosthetics and Appliances

These are obtained from Government, Mission and Municipal hospitals. Awards are paid up to an annual limit.

Supplementary Services

Family Planning – Awards are paid up to an Annual Limit.

Waiting Periods

The following benefit waiting periods shall apply to those who will be joining the Society for the first time or where there has been a lapse in membership. The society reserves the right to waive waiting periods for members transferring from AFHoZ affiliated medical aid societies. These waiting periods include: Six months for:-
  • Specialist treatment
  • MRI, CT scans, and Nuclear medicine
  • Spectacles/contact lenses
  • Admission or treatment at a hospital
  • Upgrading to a higher package
Nine months for:-
  • Maternity benefit
Two Years for:-
  • All internal prosthetic devices
  • Haemodialysis
  • Chemotherapy
(For Haemodialysis and Chemotherapy members are required to seek pre-authorisation from the Society before utilising the benefits) If a member has any doubts about these benefits, benefit limits and waiting periods, the Society’s Marketing and Client Services Department must be contacted for clarification before using the benefit.

Prior Authorization

  • For all instances requiring prior-authorisation, members must approach the Society’s Marketing and Client Services Department. The Marketing and Client Services Department will readily explain the procedure and factors considered in granting or withholding such authorization. Members that require information should approach this department.
  • Members may also approach the Marketing and Client Services Department if they have any other queries or concerns about these benefits, waiting periods or any terms herein.