RUGARE/HLALANI KUHLE MEDICAL F.A.Q.s
FREQUENTLY ASKED QUESTIONS
1. Who is eligible to be a member?
Membership is open to diasporans who have dependents in Zimbabwe.
2. When can one start using medical insurance?
Please refer to the brochure for the applicable waiting periods.
3. What is the age limit?
There is no age limit.
4. Are new born babies covered?
Yes, new born babies are covered without any waiting periods and have to be registered in the month that they are born for them to enjoy their own benefits.
5. What rate is applied to a child over the age of 18 but is still in school or college?
We will require proof that the child is still in school or college, otherwise adult rates become applicable.
6. Is there a limit to the number of dependants I can put on medical aid?
No, a member can have as many dependants on medical aid.
7. Where can I get access to medical services?
CellMed Health Medical Fund has contracted a number of service providers countrywide such as hospitals, doctors, pharmacies and laboratories. An updated list of our service providers is circulated on email on a monthly basis.
8. Does CellMed Health Medical Fund cover foreign treatment?
Yes, Foreign treatment in South Africa and India is covered on the Clover plan only. It is covered upon referral from a specialist in Zimbabwe.
9. Does CellMed Health Medical Fund cover chronic medication?
Yes, chronic medication is covered without any extra contribution. Members are however required to declare any chronic conditions.
10. What do you need to take with you to visit a service provider?
Members should take their medical aid card as well as their I.D card with them when visiting a service provider.
11. What do I do if I want services of a service provider who does not accept medical aid?
Members can pay cash upfront to the service provider and make a claim for a refund from us.
12. How long does it take for CellMed Health Medical Fund to make refunds?
Refunds are processed within 2 weeks.
13. What do you need to claim a refund from CellMed Health Medical Fund?
Members need to bring an original prescription, a filled claim form and a receipt from a Service Provider to get a refund.
14. How does CellMed Health Medical Fund make refunds?
Refunds are paid directly into bank accounts of the members. Members are therefore required to register their bank details with the Fund.
15. Does CellMed Health Medical Fund cover over the counter drugs?
No, over the counter drugs are not covered by medical aid.
16. How long does it take for an account to be terminated for non payment?
An account will be terminated after 2 months for non payment. In the first month the account is suspended and then termination is done in the second month.
17. How do you pay your medical aid account?
You can pay your medical aid account through the various payment platforms.
18. Can you back pay your medical aid so as remove waiting periods?
No, members need to serve the physical months of the waiting periods.
19. What causes shortfalls?
Shortfalls arise if doctors are charging above the tariff the Fund is paying.
20 . Can a member upgrade or downgrade?
Members are free to upgrade or downgrade to any package. However, there is a 6 months waiting period before a member can start enjoying their upgrade benefits.
21 . What happens when a member exhausts his annual limit?
When a member exhausts his annual limit he must wait for a new year when new benefits are awarded. The member must however continue to pay his contributions.
22 . Do you get full benefits if you join mid year?
No, our benefits are pro rated. The benefits a member gets depends on the exact time of the year he joins.
23. What happens to unutilised benefits when the year ends?
Unutilised benefits will be forfeited when the year ends, members will then be awarded new limits for the new year.