We recommend the member to only use Self-Medication in emergency situations where your doctor is closed and you need medication. Member is required  to go to the doctor the following morning for  examination and diagnoses.

This request has been forwarded to the Trustees for the past years and every year the outcome is the same due to the high direct impact this benefit has on the premium it has not been considered.

Bankmed all chronic medication prescribe by the doctor the first script for chronic med is paid from acute if not yet registered by the Fund. Third consecutive claim from the pharmacy for the same medication will automatically be loaded on the members chronic profile. The reasoning behind it if a member is newly diagnosed for chronic condition the first three month the member will be on a trial phase to allow the practitioner to adjust the doses and treatment.

In 2018, BankMed has introduced an option for low claiming members called the BankMed Essence Hospital. This is an option if BankMed Essence is ultimately to high of a premium.

• BankMed Essence Hospital is a new generation option and will compete in the “New Generation”  market.
• The option will provide cover for major medical expenses, which include the cost of hospitalisation.
• Out-of-hospital benefits are paid from day-to-day limits – N$5000 per beneficiary and N$10,000 per family.

BankMed, along with all the other Medical Aids are regulated by the Namaf Tariff. If a health professional wishes to charge above the said tariff that is his/her own choice and BankMed will be limited to paying on the tariff only.

The Benefit Booster makes provision for additional benefits on certain medical aid services where the normal benefit has been exceeded. The benefit booster is applicable to the following:

• Acute and Chronic Medication ad Injections ( excluding self-medication);
• Dentistry and Dental Implants (excluding orthodontics);
• General Practitioners and Specialists Day-to-Day Benefits;
• Primary Healthcare; and
• Auxiliary Services

BankMed adheres to the medical act. BankMed’s claims history does not accommodate transfer of funds. But this can be forwarded to the Board of Trustees for investigation.