CellMed Health Medical Fund offers comprehensive medical aid cover through an extensive service provider network with countrywide distribution, guaranteeing that our members can access medical services in any part of the country. We have also made strategic partnerships regionally and internationally which allow CellMed members to access medical treatment outside our borders. We always strive for excellence in service delivery and we are ISO9001:2015 certified.
Essential Plan is an entry level private package that provides basic medical aid cover with an annual limit of ZW7,000,000.00 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 ZW10,500,000.00 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 ZW21,000,000.00. 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 ZW28,000,000.00. 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 ZW49,000,000.00 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.
