General Package

Prosthetics and Appliances

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Alternative Services

This caters for Chiropody, Chiropractic, Homeopathy, Osteopathy and Naturopathy provided the suppliers are registered in terms of the appropriate regulations. Awards are paid at AHFoZ rates up to an annual limit.

Foreign Treatment

This caters for treatment not available in Zimbabwe. The Society will pay 70% of cost up to 90% of the Annual Global Limit, provided approval is obtained from Cimas before treatment is rendered. Where prior-authorisation is not obtained, claims will be refunded at 50% of cost up to 50% of the Annual Global Limit. Foreign claims must be submitted within a period of six (6) months from the date of treatment.

Medical Benefits

The following benefits are paid at AHFoZ awards.

Dental Benefit

This caters for general and preventive dentistry including inlays, root treatment, fillings, crowns and bridges, implants and orthodontic work at AHFoZ awards. Awards are paid up to an annual limit. Prior authorisation is required for crowns, bridges, dentures and orthodontic treatment.

Drug Benefits

There is an Annual Family Limit to cover prescription drugs. Benefit limits depend on your family size and are available to any beneficiary registered under a principal member.

Drugs supplied on prescription outside Zimbabwe are paid at 75% of cost up to the family limit.

Optical Benefits

The benefit is paid at 100% of cost up to the package limit every three (3)year period.

It caters for lenses, frames and contact lenses. Eye tests are paid for in full at Cimas rates up to an annual limit.

Maternity Benefits

Generally paid at100% at Government, Municipal and Mission hospitals. This benefit caters for maternity care, delivery and hospitalization. Antenatal and postnatal visits are restricted to nine and five respectively. General Practitioner maternity visits are paid at 70% of costs

Supplementary Services

Awards are paid up to an Annual Limit

  • Air Evacuation
  • Homes Providing Constant Nursing Care
  • Homes for the disabled
  • Hospital transfers
  • Family Planning

Waiting periods

The following benefit waiting periods shall apply to those who will be joining the Society for the first time or where there has been a lapse in membership. The Society reserves the right to waive waiting periods for the members transferring from AHFoZ affiliated medical aid Societies.

A mandatory three (3) months waiting period will apply to all new members:-
Subject to the foregoing, where a member downgrades to lower packages, these waiting periods will not apply.
Six months for:-