How it works
In Namibia, most people use Medical Aid Funds to cover private healthcare costs. These funds collect monthly contributions from members and pay medical bills according to the plan.

Types of cover

• Medical Aid Funds: Cover hospital stays, doctor visits, and chronic diseases.
• Private Health Insurance: Works like short-term insurance, sometimes used to fill gaps not covered by medical aids.

What’s included

• Doctor visits and medicines
• Hospital treatments and operations
• Chronic illness support
• Emergency transport

What to check before joining

• Waiting periods: How long before you can claim
• Network hospitals: Using non-network hospitals may cost extra
• Chronic lists: Make sure your medication is included
• Travel cover: If you go outside Namibia

Who oversees it
NAMFISA regulates all medical aid funds and insurance companies to make sure they are financially stable and treat customers fairly.

How to claim

• Get an invoice from your doctor or hospital.
• Submit it to your fund or insurer with the required codes.
• Keep authorisation numbers for hospital admissions.

Smart tips

• Know your yearly limits.
• Use online portals to track claims.
• Review your plan every year for updates or changes.