Products

Cellmed Heath Medical Fund offers the most comprehensive medical health solutions through the provision of  medical aid on the following basis:

A BOUQUET OF SWEETNESS

The customers, whether as a grouping on self funded arrangement or individuals on conventional arrangement enjoy various cover options ranging from hospital types to all other medical services on five different cover plans from the most basic to widest cover options which are  as follows:

This is a basic product specifically developed for the Small to Medium Enterprises and the Informal sector. The product gives access to municipal clinics, government and mission hospitals as well as limited access to GP and Pharmacy services. The annual limit on this plan is US$5,000.00.

WAITING PERIODS

Refer to the conditions of service.

BENEFITS

Benefits are prorated and they are structured per member per full calendar year, a full list of benefits and exclusions is available upon request.

DENTAL

The benefit covers preventive dental treatment which includes dental consultation, root canal treatment, fillings, crowns and bridges, implants and orthodontic. The benefit is paid up to an annual limit per package. Pre – authorization is required for dentures, crown, bridges, and orthodontic treatment.

OPTICAL

This is a 2 year benefit which is paid up to the package limit. The benefit covers refraction, lenses, frames and contact lenses.

PRESCRIPTION MEDICATION

This is an annual benefit for prescribed medication but it excludes over the counter medication.

Essential Plan is an entry level private package that provides basic medical aid cover with an annual limit of $9,000 and is accepted at local pharmacies, specialists, general practitioners, government and some private hospitals.

WAITING PERIODS

Refer to the conditions of service.

BENEFITS

Benefits are prorated and they are structured per member per full calendar year.

DENTAL

The benefit covers preventive dental treatment which includes dental consultation, root canal treatment, fillings, crowns and bridges, implants and orthodontic. The benefit is paid up to an annual limit per package. Pre – authorization is required for dentures, crown, bridges, and orthodontic treatment.

OPTICAL

This is a 2 year benefit which is paid up to the package limit. The benefit covers refraction, lenses, frames and contact lenses.

PRESCRIPTION MEDICATION

This is an annual benefit for prescribed medication but it excludes over the counter medication.

Vital Plan is a budget package that offers cost effective medical aid cover with an annual limit of $15,000 with access to local pharmacies, specialists, general practitioners, government and some private hospitals.

WAITING PERIODS

Refer to the conditions of service.

BENEFITS

Benefits are prorated and they are structured per member per full calendar year.

DENTAL

The benefit covers preventive dental treatment which includes dental consultation, root canal treatment, fillings, crowns and bridges, implants and orthodontic. The benefit is paid up to an annual limit per package. Pre – authorization is required for dentures, crown, bridges, and orthodontic treatment.

OPTICAL

This is a 2 year benefit which is paid up to the package limit. The benefit covers refraction, lenses, frames and contact lenses.

PRESCRIPTION MEDICATION

This is an annual benefit for prescribed medication but it excludes over the counter medication

This is a mid-range package that provides medical aid cover up to an annual limit of $30,000. Superior provides a higher cover scope and provides access to local pharmacies, specialists, general practitioners, foreign treatment, government and private hospitals.

WAITING PERIODS

Refer to the conditions of service.

BENEFITS

Benefits are prorated and they are structured per member per full calendar year.

DENTAL

The benefit covers preventive dental treatment which includes dental consultation, root canal treatment, fillings, crowns and bridges, implants and orthodontic. The benefit is paid up to an annual limit per package. Pre – authorization is required for dentures, crown, bridges, and orthodontic treatment.

OPTICAL

This is a 2 year benefit which is paid up to the package limit. The benefit covers refraction, lenses, frames and contact lenses.

PRESCRIPTION MEDICATION

This is an annual benefit for prescribed medication but it excludes over the counter medication.

This is a high end package which provides cover up to an annual limit of $50,000. Supreme Plan is accepted at private hospitals, pharmacies, specialists and other health service providers.

WAITING PERIODS

Refer to the conditions of service.

BENEFITS

Benefits are prorated and they are structured per member per full calendar year.

DENTAL

The benefit covers preventive dental treatment which includes dental consultation, root canal treatment, fillings, crowns and bridges, implants and orthodontic. The benefit is paid up to an annual limit per package. Pre – authorization is required for dentures, crown, bridges, and orthodontic treatment.

OPTICAL

This is a 2 year benefit which is paid up to the package limit. The benefit covers refraction, lenses, frames and contact lenses.

PRESCRIPTION MEDICATION

This is an annual benefit for prescribed medication but it excludes over the counter medication.

Universal Plan is an executive medical aid package that provides hospitalization cover up to an annual limit of $90,000 on Universal as the top notch package. Universal Plan is for the customers who require exquisite medical services at a king price.

WAITING PERIODS

Refer to the conditions of service.

BENEFITS

Benefits are prorated and they are structured per member per full calendar year.

DENTAL

The benefit covers preventive dental treatment which includes dental consultation, root canal treatment, fillings, crowns and bridges, implants and orthodontic. The benefit is paid up to an annual limit per package. Pre – authorization is required for dentures, crown, bridges, and orthodontic treatment.

OPTICAL

This is a 2 year benefit which is paid up to the package limit. The benefit covers refraction, lenses, frames and contact lenses.

PRESCRIPTION MEDICATION

This is an annual benefit for prescribed medication but it excludes over the counter medication.

CellMed Health Medical Fund has introduced a Funeral Cash Back Plan offered in partnership with Zimnat Life Assurance. CellMed Health Medical Fund members can opt in for affordable funeral cover as an add-on option to their medical aid.

  • The funeral policy is open to all members of CELLMED HEALTH MEDICAL FUND.
  • The Funeral Cover provides a cash pay-out within 24 hours of a claim submission.
  • No waiting period for accidental death.
  • No waiting period for existing medical aid members, waiting period for new members is equivalent to that offered on the medical aid benefit if death is not due to accident.
  • Premiums can be paid monthly, quarterly and yearly.
  • On death of the principal member, other family members can continue paying the required premiums to remain covered.

Who can be covered?

  • Principal member
  • Spouse
  • Own children
  • Parents or parents in law

Age limit

To qualify for the funeral cover, individuals must be below 75 years of age
By joining this plan, you can live with a sense of comfort, knowing that in the event of death, funeral expenses for your family and dependants are catered for. Moreover, you can choose a plan that best suits your needs!

Family Funeral Plan Rates

USD 1,000

USD2,000

USD 3,000

USD4,000

USD 5,000

Adults: 60 Years & Below

1.05

2.10

3.15

4.20

5.25

Child

0.60

1.20

1.80

2.40

3.00

Adults Between 61 and 70 Years

5.00

10.00

15.00

20.00

25.00

Adults Between 71 and 75 Years

5.00

10.00

N/A

N/A

N/A

Benefits of the CellMed Funeral Cash Back Plan

Immediate Protection
The Funeral Plan provides immediate cover for existing members regardless of cause of
death.
Comprehensive Protection
By taking the Funeral cover, members can experience a sense of comfort knowing that their funeral expenses and that of their dependants are catered for.
Flexibility
Cash is paid out to the member directly. With cash in hand the member has the option to choose the preferred funeral service provider of choice or take care of other expenses associated with the funeral.
Affordability
The CellMed Funeral Plan is significantly cheaper compared to members having their own individual arrangements.

For existing members this product can be included as an add-on to your existing medical aid package. For more information regarding the product you can send an email to funeralcover@cellmed.co.zw or contact +263 777 51 24 51

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