USD BASED RUGARE MEDICAL PLANS
RUGARE PREMIUM USD PLANS
Hlalani Kuhle/Rugare Medical Health Packages include Sweet Rewards, which provide our members with that extra boost to stay healthy and happy. Our comprehensive coverage allows access to the best medical care through a wide range of benefits, including a nationwide network of top-rated healthcare providers, prescription drug coverage and additional complimentary services. We have also built strategic regional and international alliances that allow Rugare medical members to receive medical treatment outside of our borders. We are ISO9001:2015 certified, confirmation of our commitment to service excellence. With our affordable subscriptions, you get more than just medical benefits, because we give you that cherry on top, the Rugare Medical
Sweet Rewards!
Rugae Medical Insurance offers Premium USD medical Insurance cover through an extensive service provider network with worldwide distribution, guaranteeing that our members can access medical services in any part of the world.
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 PLUS
OVERALL ANNUAL BENEFIT:
$10,000.00 USD
ADULT (Monthly Large Coorporate Subscription): $37.00
CHILD DEPENDANT (Monthly Large Coorporate Subscription): $22.00
CLICK HERE TO VIEW BENEFITS
Type of Hospital: Private Group B-F, Regional
Annual limit: $10,000.00
Hospitalisation Limit: $3,235.00
Chronic medication: $800.00
Acute Medication(Family Benefit): $600.00
Dental- Preventative incl. scaling & polishing: $50.00
Dental- Treatment incl. filings, extractions & periodontics: $200.00
Orthodontic/ Prosthetics: $250.00
Optical plus Refraction(2 year benefit): $230.00
Prosthesis & Appliances: $650.00
Pathology: $300.00
Radiology: $1,600.00
Ambulance Services: Hospital Limit
Preventive Care Benefit: Limited to 1 medical check-up and 2 vaccines per year
Air Evacuation: Hospital Limit
Travel Insurance Cover: N/A
Bereavement Subscription Waiver: 1 Month
Bereavement Token: $200.00
Baby Benefit: $20.00
Hospital cash back daily payput (after 48-hours): -Adult: $100.00 -Child: $50.00
Note: all qouted prices are in USD.
VITAL PLUS
OVERALL ANNUAL LIMIT:
$15,000.00 USD
ADULT (Monthly Large Coorporate Subscription): $50.00
CHILD DEPENDANT (Monthly Large Coorporate Subscription): $30.00
CLICK HERE TO VIEW BENEFITS
Type of Hospital: Private Group B-F, Regional
Annual limit: $15,000.00
Hospitalisation Limit: $5,085.00
Chronic medication: $1,000.00
Acute Medication(Family Benefit): $1,000.00
Dental- Preventative incl. scaling & polishing: $80.00
Dental- Treatment incl. filings, extractions & periodontics: $300.00
Orthodontic/ Prosthetics: $420.00
Optical plus Refraction(2 year benefit): $260.00
Prosthesis & Appliances: $970.00
Pathology: $450.00
Radiology: $2,500.00
Ambulance Services: Hospital Limit
Preventive Care Benefit: Limited to 1 medical check-up and 2 vaccines per year
Air Evacuation: Hospital Limit
Travel Insurance Cover: N/A
Bereavement Subscription Waiver: 1 Month
Bereavement Token: $250.00
Baby Benefit: $25.00
Hospital cash back daily payput (after 48-hours): -Adult: $100.00 -Child: $50.00
Note: all qouted prices are in USD.
PRIME PLUS
OVERALL ANNUAL LIMIT:
$25,000.00 USD
ADULT Monthly SME Subscription: $106.00
CHILD Dependent Monthly SME Subscription: $73
ADULT Monthly Small Corporate Subscription: $68.00
CHILD Dependent Monthly Small Corporate Subscription: $39.00
ADULT (Monthly Large Coorporate Subscription): $37.00
CHILD DEPENDANT (Monthly Large Coorporate Subscription): $22.00
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Type of Hospital: Private Group A-F, Regional & International
Annual limit: $25,000.00
Hospitalisation Limit: $8,500.00
Chronic medication: $1,350.00
Acute Medication(Family Benefit): $1,200.00
Dental- Preventative incl. scaling & polishing: $100.00
Dental- Treatment incl. filings, extractions & periodontics: $350.00
Orthodontic/ Prosthetics: $550.00
Optical plus Refraction(2 year benefit): $350.00
Prosthesis & Appliances: $3,500.00
Pathology: $600.00
Radiology: $2,800.00
Ambulance Services: Hospital Limit
Preventive Care Benefit: Limited to 1 medical check-up and 2 vaccines per year
Air Evacuation: Hospital Limit
Travel Insurance Cover: N/A
Bereavement Subscription Waiver: 1 Month
Bereavement Token: $280.00
Baby Benefit: $28.00
Hospital cash back daily payput (after 48-hours): -Adult: $100.00 -Child: $50.00
Note: all qouted prices are in USD.
SUPERIOR PLUS
OVERALL ANNUAL BENEFIT:
$30,000.00 USD
ADULT Monthly SME Subscription: $120.00
CHILD Dependent Monthly SME Subscription: $83
ADULT Monthly Small Corporate Subscription: $77.00
CHILD Dependent Monthly Small Corporate Subscription: $45.00
ADULT (Monthly Large Coorporate Subscription): $77.00
CHILD DEPENDANT (Monthly Large Coorporate Subscription): $45.00
CLICK HERE TO VIEW BENEFITS
CONSULTATIONS
ER Consultations – Outpatient: $500
GP Consultations – Outpatient: $400
Specialists Consultations – Outpatient: $500
Dental (annual limit): $500
Dental – Preventative incl. scaling & polishing: $100
HOSPITALISATION
Facility Admission – Hospitalisation: $5000
Ward Admission (Pre-notification required): B – F & Gen. Wards
TREATMENTS & MEDICATION
Surgical Procedures: Accrues to hospital limit
Oncology (Chemotherapy & Radiotherapy) Members must register on the Oncology Program: Accrues to Hospital limit
Organ Transplant: Accrues to Hospital limit
Blood Transfusion: Accrues to Hospital limit
Ambulance Services: Accrues to Hospital limit
Chronic Medication: $800
Acute Medication: $600
Air Evacuation (pre-notification required): No benefit
Maternity: 7 Ante-natal visits
Members must register on the Maternity Care Network Program: 3 Post Natal Visits
Foreign Treatment: Not covered
Pathology: $400
Allergy Tests: $150
Other Pathology Tests: $250
SCANS
Radiology: $1500
MRI, CT & PET Scans. (Pre-Notification required): $900
Other Radiology: $600
SUPREME PLUS
OVERALL ANNUAL LIMIT:
$50,000.00 USD
ADULT Monthly SME Subscription: $199.00
CHILD Dependent Monthly SME Subscription: $139.00
ADULT Monthly Small Corporate Subscription: $129.00
CHILD Dependent Monthly Small Corporate Subscription: $74.00
ADULT (Monthly Large Coorporate Subscription): $129.00
CHILD DEPENDANT (Monthly Large Coorporate Subscription): $74.00
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Type of Hospital: Private Group A-F, Regional & International
Annual limit: $50,000.00
Hospitalisation Limit: $16,500.00
Chronic medication: $2,000.00
Acute Medication(Family Benefit): $2,500.00
Dental- Preventative incl. scaling & polishing: $200.00
Dental- Treatment incl. filings, extractions & periodontics: $600.00
Orthodontic/ Prosthetics: $1,200.00
Optical plus Refraction(2 year benefit): $500.00
Prosthesis & Appliances: $7,250.00
Pathology: $1,000.00
Radiology: $5,000.00
Ambulance Services: Hospital Limit
Preventive Care Benefit: Limited to 1 medical check-up and 2 vaccines per year
Air Evacuation: Hospital Limit
Travel Insurance Cover: Available
Bereavement Subscription Waiver: 1 Month
Bereavement Token: $500.00
Baby Benefit: $50.00
Hospital cash back daily payput (after 48-hours): -Adult: $100.00 -Child: $50.00
Note: all qouted prices are in USD.
UNIVERSAL PLUS
OVERALL ANNUAL LIMIT:
$90,000.00 USD
ADULT Monthly SME Subscription: $278.00
CHILD Dependent Monthly SME Subscription: $196.00
ADULT Monthly Small Corporate Subscription: $179.00
CHILD Dependent Monthly Small Corporate Subscription: $101.00
ADULT (Monthly Large Coorporate Subscription): $179.00
CHILD DEPENDANT (Monthly Large Coorporate Subscription): $101.00
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Type of Hospital: Private Group A-F, Regional & International
Annual limit: $90,000.00
Hospitalisation Limit: $41,500.00
Chronic medication: $2,500.00
Acute Medication(Family Benefit): $3,000.00
Dental- Preventative incl. scaling & polishing: $300.00
Dental- Treatment incl. filings, extractions & periodontics: $700.00
Orthodontic/ Prosthetics: $2,000.00
Optical plus Refraction(2 year benefit): $950.00
Prosthesis & Appliances: $9,500.00
Pathology: $1,500.00
Radiology: $7,000.00
Ambulance Services: Hospital Limit
Preventive Care Benefit: Limited to 1 medical check-up and 2 vaccines per year
Air Evacuation: Hospital Limit
Travel Insurance Cover: Available
Bereavement Subscription Waiver: 1 Month
Bereavement Token: $750.00
Baby Benefit: $100.00
Hospital cash back daily payput (after 48-hours): -Adult: $100.00 -Child: $50.00
Note: all qouted prices are in USD.
RUGARE COMPREHENSIVE PLANS
Join the Diaspora plan and get full comprehensive cover for your loved ones back home.
Rugae Medical Insurance offers comprehensive medical Insurance 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.
BASE PLAN
OVERALL ANNUAL BENEFIT:
$3500.00 USD
ADULT: $7.00
CHILD DEPENDANT: $7.00
ELDERLY (ABOVE 65 YEARS): N/A
CLICK HERE TO VIEW BENEFITS
:CONSULTATIONS
General Practitioner Consultations: 4 Visits
HOSPITALISATION
Facility Admission – Hospitalisation: $1500.00
Ward Admission (Pre-notification required): C – F & Gen. Wards
TREATMENTS & MEDICATION
Blood Transfusion: Accrues to Hospital limit
Chronic Medication: $100
Acute Medication:120 4 visits
Air Evacuation (pre-notification required): No benefit
Maternity (Delivery, Post for mother & Ante-natal care): $140
.00
Members must register on the Maternity Care Network Program: 3 Post Natal Visits
Dental(Extractions Only): $150.00
Foreign Treatment: Not covered
Pathology: $300
SCANS
Radiology: terms and conditions apply
Note: All quoted benefits are in USD
VALUE PLAN
OVERALL ANNUAL LIMIT:
5,000.00 USD
$17.00
Per Month
Per Member
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ADMISSIONS:
TYPE OF HOSPITAL:
Nectare Facilities Group C – F, Municipal Clinics, Government and Mission Hospitals
HOSPITALIZATION:
1,500.00 USD
CONSULTATIONS AND SCANS:
GP CONSULTATIONS:
200.00 USD
SPECIALISTS:
200.00 USD
RADIOLOGY (X-RAY AND SCANS excl. MRI, CT AND PET SCANS):
500.00 USD
PATHOLOGY:
150.00 USD
PROCEDURES AND MEDICATION
CHRONIC MEDICATION:
200.00 USD
ACUTE MEDICATION:
150.00 USD
DENTAL COVER:
150.00 USD
OPTICAL PLUS REFRACTION (2 YEAR BENEFIT):
100.00 USD
PROSTHESIS AND APPLIANCES:
250.00 USD
Maternity: 7 Ante-natal visits
Members must register on the Maternity Care Network Program: 3 Post Natal Visits
Foreign Treatment: Not covered
CASH BACK PLANS
Beveavement Token: 300
Hospital Cash-back daily payout(after 48-hours)
– adult: 100 USD
-Child: 50 USD
SCHOLAR MED PLAN
OVERALL ANNUAL LIMIT:
$5,000.00 USD
ADULT: $10.00
CHILD DEPENDANT: $10.00
ELDERLY (ABOVE 65 YEARS): N/A
CLICK HERE TO VIEW BENEFITS
CONSULTATIONS
ER Consultations – Outpatient: $500
GP Consultations – Outpatient: $400
Specialists Consultations – Outpatient: $500
Dental (annual limit): $500
Dental – Preventative incl. scaling & polishing: $100
HOSPITALISATION
Facility Admission – Hospitalisation: $5000
Ward Admission (Pre-notification required): B – F & Gen. Wards
TREATMENTS & MEDICATION
Surgical Procedures: Accrues to hospital limit
Oncology (Chemotherapy & Radiotherapy) Members must register on the Oncology Program: Accrues to Hospital limit
Organ Transplant: Accrues to Hospital limit
Blood Transfusion: Accrues to Hospital limit
Ambulance Services: Accrues to Hospital limit
Chronic Medication: $800
Acute Medication: $600
Air Evacuation (pre-notification required): No benefit
Maternity: 7 Ante-natal visits
Members must register on the Maternity Care Network Program: 3 Post Natal Visits
Foreign Treatment: Not covered
Pathology: $400
Allergy Tests: $150
Other Pathology Tests: $250
SCANS
Radiology: $1500
MRI, CT & PET Scans. (Pre-Notification required): $900
Other Radiology: $600
METRO PLAN
OVERALL ANNUAL LIMIT:
$5,000.00 USD
ADULT: $15.00 per Month
DEPENDANTS: $15.00 per Month per Dependant
NB: Specifically for local authorities, municipalities, and councils.
CLICK HERE TO VIEW BENEFITS
CONSULTATIONS
ER Consultations – Outpatient: $500
GP Consultations – Outpatient: $400
Specialists Consultations – Outpatient: $500
Dental (annual limit): $500
Dental – Preventative incl. scaling & polishing: $100
HOSPITALISATION
Facility Admission – Hospitalisation: $5000
Ward Admission (Pre-notification required): B – F & Gen. Wards
TREATMENTS & MEDICATION
Surgical Procedures: Accrues to hospital limit
Oncology (Chemotherapy & Radiotherapy) Members must register on the Oncology Program: Accrues to Hospital limit
Organ Transplant: Accrues to Hospital limit
Blood Transfusion: Accrues to Hospital limit
Ambulance Services: Accrues to Hospital limit
Chronic Medication: $800
Acute Medication: $600
Air Evacuation (pre-notification required): No benefit
Maternity: 7 Ante-natal visits
Members must register on the Maternity Care Network Program: 3 Post Natal Visits
Foreign Treatment: Not covered
Pathology: $400
Allergy Tests: $150
Other Pathology Tests: $250
SCANS
Radiology: $1500
MRI, CT & PET Scans. (Pre-Notification required): $900
Other Radiology: $600
MANUKA PLAN
OVERALL ANNUAL LIMIT:
$13,000.00 USD
ADULT: $59.00
CHILD DEPENDANT: $40.00
ELDERLY (ABOVE 65 YEARS): $74.00
CLICK HERE TO VIEW BENEFITS
CONSULTATIONS
ER Consultations – Outpatient: $500
GP Consultations – Outpatient: $400
Specialists Consultations – Outpatient: $500
Dental (annual limit): $500
Dental – Preventative incl. scaling & polishing: $100
HOSPITALISATION
Facility Admission – Hospitalisation: $5000
Ward Admission (Pre-notification required): B – F & Gen. Wards
TREATMENTS & MEDICATION
Surgical Procedures: Accrues to hospital limit
Oncology (Chemotherapy & Radiotherapy) Members must register on the Oncology Program: Accrues to Hospital limit
Organ Transplant: Accrues to Hospital limit
Blood Transfusion: Accrues to Hospital limit
Ambulance Services: Accrues to Hospital limit
Chronic Medication: $800
Acute Medication: $600
Air Evacuation (pre-notification required): No benefit
Maternity: 7 Ante-natal visits
Members must register on the Maternity Care Network Program: 3 Post Natal Visits
Foreign Treatment: Not covered
Pathology: $400
Allergy Tests: $150
Other Pathology Tests: $250
SCANS
Radiology: $1500
MRI, CT & PET Scans. (Pre-Notification required): $900
Other Radiology: $600
LAVENDER PLAN
OVERALL ANNUAL BENEFIT:
$21,000.00 USD
ADULT: $95.00
CHILD DEPENDANT: $68.00
ELDERLY (ABOVE 65 YEARS): $114.00
CLICK HERE TO VIEW BENEFITS
CONSULTATIONS
ER Consultations – Outpatient: $500
GP Consultations – Outpatient: $400
Specialists Consultations – Outpatient: $500
Dental (annual limit): $500
Dental – Preventative incl. scaling & polishing: $100
HOSPITALISATION
Facility Admission – Hospitalisation: $5000
Ward Admission (Pre-notification required): B – F & Gen. Wards
TREATMENTS & MEDICATION
Surgical Procedures: Accrues to hospital limit
Oncology (Chemotherapy & Radiotherapy) Members must register on the Oncology Program: Accrues to Hospital limit
Organ Transplant: Accrues to Hospital limit
Blood Transfusion: Accrues to Hospital limit
Ambulance Services: Accrues to Hospital limit
Chronic Medication: $800
Acute Medication: $600
Air Evacuation (pre-notification required): No benefit
Maternity: 7 Ante-natal visits
Members must register on the Maternity Care Network Program: 3 Post Natal Visits
Foreign Treatment: Not covered
Pathology: $400
Allergy Tests: $150
Other Pathology Tests: $250
SCANS
Radiology: $1500
MRI, CT & PET Scans. (Pre-Notification required): $900
Other Radiology: $600
CLOVER PLAN
OVERALL ANNUAL LIMIT:
$33,000.00 USD
ADULT: $104.00
CHILD DEPENDANT: $65.00
ELDERLY (ABOVE 65 YEARS): $120.00
CLICK HERE TO VIEW BENEFITS
CONSULTATIONS
ER Consultations – Outpatient: $500
GP Consultations – Outpatient: $400
Specialists Consultations – Outpatient: $500
Dental (annual limit): $500
Dental – Preventative incl. scaling & polishing: $100
HOSPITALISATION
Facility Admission – Hospitalisation: $5000
Ward Admission (Pre-notification required): B – F & Gen. Wards
TREATMENTS & MEDICATION
Surgical Procedures: Accrues to hospital limit
Oncology (Chemotherapy & Radiotherapy) Members must register on the Oncology Program: Accrues to Hospital limit
Organ Transplant: Accrues to Hospital limit
Blood Transfusion: Accrues to Hospital limit
Ambulance Services: Accrues to Hospital limit
Chronic Medication: $800
Acute Medication: $600
Air Evacuation (pre-notification required): No benefit
Maternity: 7 Ante-natal visits
Members must register on the Maternity Care Network Program: 3 Post Natal Visits
Foreign Treatment: Not covered
Pathology: $400
Allergy Tests: $150
Other Pathology Tests: $250
SCANS
Radiology: $1500
MRI, CT & PET Scans. (Pre-Notification required): $900
Other Radiology: $600
SAGE PLAN
OVERALL ANNUAL LIMIT:
$33,000.00 USD
ELDERLY (ABOVE 65 YEARS): $216.00
CLICK HERE TO VIEW BENEFITS
CONSULTATIONS
ER Consultations – Outpatient: $500
GP Consultations – Outpatient: $400
Specialists Consultations – Outpatient: $500
Dental (annual limit): $500
Dental – Preventative incl. scaling & polishing: $100
HOSPITALISATION
Facility Admission – Hospitalisation: $5000
Ward Admission (Pre-notification required): B – F & Gen. Wards
TREATMENTS & MEDICATION
Surgical Procedures: Accrues to hospital limit
Oncology (Chemotherapy & Radiotherapy) Members must register on the Oncology Program: Accrues to Hospital limit
Organ Transplant: Accrues to Hospital limit
Blood Transfusion: Accrues to Hospital limit
Ambulance Services: Accrues to Hospital limit
Chronic Medication: $800
Acute Medication: $600
Air Evacuation (pre-notification required): No benefit
Maternity: 7 Ante-natal visits
Members must register on the Maternity Care Network Program: 3 Post Natal Visits
Foreign Treatment: Not covered
Pathology: $400
Allergy Tests: $150
Other Pathology Tests: $250
SCANS
Radiology: $1500
MRI, CT & PET Scans. (Pre-Notification required): $900
Other Radiology: $600
HOSPITAL CATAGORIES
Manuka Plan (GROUP B - F)
Baines Avenue Clinic
Belvedere Maternity Home
St Annes, Galen House Casualty Unit (Byo)
Falls Medical Centre
Claybank Hospital (Gweru)
All Saints Children’s Hospital (Byo)
Lavender Plan (GROUP B - F)
Baines Avenue Clinic
Belvedere Maternity Home
St Annes, Galen House Casualty Unit (Byo)
Falls Medical Centre
Claybank Hospital (Gweru)
All Saints Children’s Hospital (Byo)
Clover Plan (GROUP A - F )
ALL Hospitals
Avenues Clinic (included)
MATER DEI HOSPITAL (included)