Private Hospitals

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:-

Medical Benefits

The following benefits are paid at AHFoZ awards.

Prosthetics and Appliances

Awards are paid up to an Annual Limit
Internal prostheses paid at 90% of cost
External prostheses paid at 80% of cost
Hearing aid repairs paid at 80% of cost
Nebulisers paid at 50% of cost
Ostomy bags

Prior Authorization

For all instances requiring prior-authorisation, members must approach the Society’s Marketing and Client Services Department. The Marketing and Client Services Department will readily explain the procedure and factors considered in granting or withholding such authorization. Members that require information should approach this department.

Members may also approach the Marketing and Client Services Department if they have any other queries or concerns about these benefits, waiting periods or any terms herein.

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

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 which is not available in Zimbabwe. The Society will pay 70% of cost up to package limit provided approval is obtained from Cimas before the treatment is rendered. Where approval is not sought, the claim will be paid at 50% of cost up to 50% of package limit.

Psychiatry Benefits

Caters for consultation by a specialist psychiatrist. Awards are paid at AHFoZ rates up to annual limit.

Rehabilitative Services

This caters for Occupational and Speech Therapy, Clinical Psychology, Social Work and Physiotherapy. Awards are paid up to an annual limit.

Dental Benefits

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