Products

Comprehensive medical aid for all needs

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:

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.

Minimum to no shortfalls & co-payment

Wellness and health risk management program

Pay easily and flexibly

Essential Plan is an entry level private package that provides basic medical aid cover with an annual limit of ZW729,000 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 ZW1,001,250.00 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 ZW1,867,500.00. 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 ZW3,006,000.00. 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 ZW5,465,250.00 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.