Secure Packages
Overview
The Secure packages range is designed to offer customers a wider choice when it comes to medical aid cover. This range is meant to cater to those who can pay contributions in USD locally. Claims settlement will also be in USD locally. Additionally, there is provision of medical aid cover with minimal or no shortfalls in the network. Benefits covered under the Secure packages will be paid in full, up to the agreed service provider tariff, subject to sub-limits per benefit.
Package Summary
- Nostro Products
- Priced in USD
- Benefits in USD
- In-country medical cover
- Nostro remittance
Who can purchase the product?
The packages are available to both corporates and individuals with access to local nostro. People who ply their trade in NGOs, embassies, private sector entities as well as multinationals will find these packages an attractive form of medical security.
Where am I covered?
Members under these packages will be covered for healthcare services within Zimbabwe.
Product Range
HealthSave
This is an entry-level package designed to meet the basic medical aid needs of low-income individuals, SMEs, and corporates at an affordable price.
Secure Primary
This product is designed to provide basic medical cover for semi-skilled employees at a minimum, with an affordable contribution rate. It bridges the gap between HealthSave and Secure Essential.
Secure Essential
This is a plan designed to cater to lower-level employees, offering affordable basic medical aid benefits with private hospital access limited to Grade B Hospitals.
Secure Private
This plan is designed to cater to middle-level employees, offering affordable medical aid benefits with access to private hospitals up to Grade A Hospitals.
Secure Private Plus
This is a plan designed to cater for senior employees
offering affordable medical aid benefits with enhanced
private hospital access up to Grade A Hospitals.
Secure Premium
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 private ward.
Secure Prime
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 private ward.
Benefits
The following benefits will accrue to the holders of any of the following packages: Private, Private Plus, Premium and Prime:
- Access to Private healthcare facilities up to Grade A.
- In hospital drugs
- General practitioners
- Blood Transfusion Services (BTS)
- Prescription drugs are paid at the Cimas tariff up to an annual family limit
- Optical benefit up to package sub-limit once every two
(2) year period
- Maternity is paid in full up to the tariff.
- Dental benefit up to annual package sub-limit
- Specialist treatment is covered upon referral by a primary care service provider
- Pathology and Radiology services at Private and Government facilities
- Foreign Treatment subject to preauthorization
- Hospitalisation in a Government, Mission, or Municipal hospital including Parirenyatwa
Contributions and Benefits Table
Area of coverage | Zimbabwe
| Secure Prime | Secure Premium | Secure Private Plus | Secure Private | Secure Essential | Secure Primary | Secure Hhealthsave | ||
|---|---|---|---|---|---|---|---|---|
| Adult (Corporate) rate | $220 | $148 | $93 | $78 | $44 | $20 | $8 | |
| Child/Student (Corporate) Rate | $132 | $89 | $56 | $55 | $33 | $13 | $8 | |
| Adult (Individual rate) | $247 | $183 | $140 | $117 | $65 | $29 | $8 | |
| Child/Student (Individual rate) | $166 | $111 | $85 | $84 | $47 | $20 | $8 | |
| Benefits | ||||||||
| Annual Global Limits | $100,000 | $70,000 | $30,000 | $30,000 | $20,000 | $5,000 | $54000 | |
| Private Hospitalisation | $40,000 | $25,000 | $15,000 | $12,000 | $8,000 | N/A | N/A | |
| Public Hospitalisation | Covered | |||||||
| Private Hospitalisation | Private Ward up to Group A | Private Ward up to Group A | Twin Bedded Ward up to Group A | Twin Bedded Ward up to Group A | General Ward up to Group B | General Ward up to Public Facilities | General Ward up to Public Facilities | |
| Hospitalisation - Public Healthcare | Private Ward | General Ward | ||||||
| Ambulance Services - Road | Private Ambulance | Gvt Ambulance/ St Johns | ||||||
| Foreign Treatment | Covered up to Cimas tariff | N/A | ||||||
| Air Evacuation | Covered | N/A | ||||||
| Drugs Acute | $2,500 | $1,750 | $750 | $750 | $500 | $125 | $100 | |
| Drug - Chronic | $7,500 | $5,250 | $2,250 | $2,250 | $1,500 | $375 | $200 | |
| Optical | $400 | $300 | $300 | $200 | $180 | $100 | $60 | |
| Dental | $2,000 | $2,000 | $1,500 | $1,300 | $420 | $200 | $80 | |
| Radiology | $9,000 | $7,000 | $5,000 | $4,250 | $1,050 | $650 | $400 | |
| Pathology | $2,000 | $1,250 | $1,125 | $1,125 | $540 | $200 | $100 | |
| Family Planning | $110 | |||||||
| Funeral Benefit | Covered | |||||||
Disclaimer
The above breakdown of contributions and benefits are indicative only. Please NOTE that the final amounts are determinable based on an individual member’s age, health records, claims records and all other relevant factors. Accordingly, members are required to directly contact our offices to ascertain their actual contributions payable. Should a member pay contributions in accordance with the above indicative prices, the Society reserves the right to revise such member’s actual contributions payable in line with the factors set out above.
Exclusions
Pre-existing conditions not disclosed upon joining.
Age Limit
The age limit is 60 years for individuals and 65 years for corporates. Subject to underwriting.
Waiting Periods
| Description | Corporate | Individual |
|---|---|---|
| New Membres | 3 months | 4 months |
| Specialist Treatment | 6 months | 6 months |
| MRI | 6 months | 6 months |
| CT Scans | 6 months | 6 months |
| Nuclear Medicine | 6 months | 6 months |
| Hospital Treatment | 6 months | 6 months |
| Dental | 6 months | 6 months |
| Maternity | 9 months | 9 months |
| Nursng Homes | 1 Year | 1 Year |
| Spectacles | 1 Year | 1 Year |
| Contact Lenses | 1 Year | 1 Year |
| Foreign Treatment | 1 Year | 1 Year |
| Procsthetics Devices | 2 Years | 2 Years |
| Oncology | 2 Years | 2 Years |
| Haemodialysis | 2 Years | 2 Years |
| Pre-Existing Conditions | 2 Years | 2 Years |
| Orthodontic Treatment | 4 Years | 4 Years |
Claims Settlement
Claims payment will be based on negotiated tariffs paid in full up to the agreed provider tariff.