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.

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