EMF MEDICAL AID SOCIETY
Because nothing is more important than your health! clientservices@necemf.co.zw

Bronze

Member $21 · Spouse $21 · Child $19

Member $21 · Spouse $21 · Child $19

  • Annual limit: $6,500.
  • Hospitalisation limit: $2,000.
  • Chronic medication: $400.
  • Acute medication: $250.
  • Dental treatment: $400.
  • Optical care: $150.
  • Pathology: $250; Radiology: $1,000.
  • Prosthesis & appliances: $400.
  • Ambulance services: Covered up to hospital limit.
  • Funeral assistance: $150.
  • Hospital access: Government & Group E–F hospitals.
  • OTC (Over-the-counter) drugs: Not covered.
  • COVID-19 PCR/drugs: No dedicated benefit listed.

Silver

Member $35 · Spouse $35 · Child $30

Member $35 · Spouse $35 · Child $30

  • Annual limit: $9,500.
  • Hospitalisation limit: $3,500.
  • Chronic medication: $700.
  • Acute medication: $500.
  • Dental treatment: $700.
  • Optical care: $250.
  • Pathology: $400; Radiology: $1,800.
  • Prosthesis & appliances: $700.
  • Ambulance services: Covered up to hospital limit.
  • Funeral assistance: $200.
  • Hospital access: Private hospitals Group C–F (no A–B).
  • OTC (Over-the-counter) drugs: Not covered.
  • COVID-19 PCR/drugs: No dedicated benefit listed.

Gold

Member $47 · Spouse $47 · Child $38

Member $47 · Spouse $47 · Child $38

  • Annual limit: $11,500.
  • Hospitalisation limit: $5,000.
  • Chronic medication: $1,000.
  • Acute medication: $800.
  • Dental treatment: $1,000.
  • Optical care: $350.
  • Pathology: $500; Radiology: $2,500.
  • Prosthesis & appliances: $970.
  • Ambulance services: Covered up to hospital limit.
  • Funeral assistance: $230.
  • Hospital access: Private hospitals Group B–F (no Group A private wards).
  • OTC (Over-the-counter) drugs: Not covered.
  • COVID-19 PCR/drugs: No dedicated benefit listed.

Platinum

Member $65 · Spouse $65 · Child $53

Member $65 · Spouse $65 · Child $53

  • Annual limit: $13,500.
  • Hospitalisation limit: $6,000.
  • Chronic medication: $1,500.
  • Acute medication: $1,500.
  • Dental treatment: $1,200.
  • Optical care: $400.
  • Pathology: $750; Radiology: $3,000.
  • Prosthesis & appliances: $1,150.
  • Ambulance services: Covered up to hospital limit.
  • Funeral assistance: $300.
  • Hospital access: Private hospitals A–F (general ward) — no private 2-bedded/private ward.
  • OTC (Over-the-counter) drugs: Not covered.
  • COVID-19 PCR/drugs: No dedicated benefit listed.

Diamond

Member $80 · Spouse $80 · Child $72

Member $80 · Spouse $80 · Child $72

  • Annual limit: $15,500.
  • Hospitalisation limit: $7,000.
  • Chronic medication: $2,000.
  • Acute medication: $2,000.
  • Dental treatment: $1,500.
  • Optical care: $500.
  • Pathology: $1,000; Radiology: $3,500.
  • Prosthesis & appliances: $1,250.
  • Ambulance services: Covered up to hospital limit.
  • Funeral assistance: $350.
  • Hospital access: Private hospitals A–F (two-bedded ward) — no private ward.
  • OTC (Over-the-counter) drugs: Not covered.
  • COVID-19 PCR/drugs: No dedicated benefit listed.

Diamond Plus

Member $100 · Spouse $100 · Child $75

Member $100 · Spouse $100 · Child $75

  • Annual limit: $30,000.
  • Hospitalisation limit: $9,000.
  • Chronic medication: $5,000.
  • Acute medication: $3,000.
  • Dental treatment: $2,500.
  • Optical care: $700.
  • Pathology: $1,500; Radiology: $4,500.
  • Prosthesis & appliances: $1,500.
  • Ambulance services: Covered up to hospital limit.
  • Funeral assistance: $500.
  • Hospital access: Private hospitals A–F (private ward) — highest access tier.
  • OTC (Over-the-counter) drugs: Not covered.
  • COVID-19 PCR/drugs: No dedicated benefit listed.