Healthguard Classic Download Added Value


Summary of Cover

Healthguard Classic is premium international medical cover that effectively covers for your health and wellbeing in Zimbabwe and around the world. This lower tier package offers you automatic cover in Sub-Saharan Africa and India. For cover anywhere else in the world pre-authorisation is needed.

Benefits Summary

This is a summary of benefits on the HEALTHGUARD Classic Package. For information that is more detailed including benefit limits, please contact HEALTHGUARD International or its nearest authorized agent. Cimas Medical Aid Society is the authorized agent in Zimbabwe. In general, benefit limits are paid per beneficiary per membership year and begin from the date the beneficiary joins. All benefits and benefit limits are paid up to an annual global limit.

Medical Benefits

Benefit DescriptionUSD
Annual Global Limits30,000
Private Hospitalisation.15,000
Drugs - Member + 2 Dependants.2,000
Drugs - Member + 3 Dependants or More.3,000
Optical (Once Every Two Years).350
Refraction Fee.30
Dental.1,500
Radiology.5,000
Pathology.1,125
Prosthetics Appliances.1,500
Rehabilitative Services.1,000
Alternative Services.500
Family Planning.110
Homes For Constant Nursing Care10

Waiting Periods

  • 3 months waiting period applies on all benefits and the following also apply:
  • 6 months waiting period applies to hospitalisation, specialist service, MRI, CT Scans and Nuclear medicine and for chronic medication.
  • 9 months waiting period for spectacles and maternity cases.
  • 2 years waiting period for all internal prosthetic devices, haemodialysis and chemotherapy.
  • 2 years waiting period for organ transplant.