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This is a uniquely designed premium healthcare package suitable for discerning and successful business executives and entrepreneurs covering private hospital access up to Grade A Hospitals up to a twin-bedded ward.
Where usage is considered excessive the Society reserves the right to restrict usage or recommend cost effective treatment options.

Medical Benefits

The following benefits are paid at to tariff.
  • Access to Private healthcare facilities.
  • In-hospital drugs.
  • General practitioners.
  • Specialist Treatment is covered upon referral by a primary care service provider.
  • Pathology and Radiology Services at Private and Government facilities.
  • Blood Transfusion Services (BTS).

Drug Benefits

  • Prescription drugs paid at the Cimas tariff up to an annual family limit.

Optical Benefits

  • Optical benefit up to package sublimit once every two (2) year period.

Maternity Benefits

  • Maternity cover includes consultation, delivery as well as ante and post natal visits.
  • Awards are paid at 100% up to sub limit.
  • There are also 2 antenatal scans allowed per pregnancy.

Dental Benefits

This caters for general and preventive dentistry including inlays, root-treatment, fillings, crowns and bridges, implants and orthodontic work.
  • Claims are paid at Healthguard tariff up to sub limit.
  • Prior authorization is required for crowns, bridges, dentures and orthodontic treatment.

Emergency Evacuation Services

Covered for life threatening situations only
  • Road Ambulance service is paid to tariff.
  • Air evacuation is paid to tariff.

Waiting Periods

The following benefit waiting periods apply to those joining the Society for the first time or where there has been a lapse in the membership. The Society reserves the right to waive waiting periods for members transferring from AHFoZ affiliated medical aid societies. These waiting periods include:
Four months for:-
  • A mandatory four (4) months waiting period will apply to all new members
Six months for:
  • Specialist treatment
  • MRI, CT scans and Nuclear medicine
  • Admission or treatment at a hospital
  • Dental treatment
Nine months for:
  • Maternity benefits
One (1) year for:
  • Spectacles/Contact lenses
  • Foreign treatment
Two (2) years for:
  • All internal and external prosthetic devices
  • Oncology benefit
  • Haemodialysis
  • Pre-existing conditions
Four (4) years for:
  • Orthodontic Treatment
  • For orthodontic work, members seek prior-authorisation from the Society before accessing treatment.
  • The age limit for the benefit is 18 years


  • To access treatment for chronic conditions members need to register with the Society‚Äôs Managed Care department. The Society does not guarantee full cover where a member/service provider does not seek pre-authorisation before accessing services.