Nammed 2026 Benefit and Contribution Changes
Tue, 2 Dec 2025
Dear Valued Member,
As we approach a new benefit year, we’re excited to share the enhancements and updates that will take effect from 1 January 2026. These changes are designed with one goal in mind: to give more back to you, our members, by ensuring your medical aid remains competitive, sustainable, and responsive to your evolving healthcare needs.
What’s Changing – And Why It Matters
Increased Benefits Across the Board
We’re raising benefit limits across all options—most by 3.7% or more—to help you get more value from your cover. Highlights include:
Higher day-to-day and acute medication limits on Comprehensive and Active options.
Removal of co-payments for specialised radiology (MRI, CT, Bone Density) on Standard, Essential, and Active options.
Increased oncology and radiotherapy cover on Essential (up to N$700,000) and unlimited overall annual limits on Trauma.
Optical benefits on Active are now separated from day-to-day limits, giving you more benefits and flexibility.
Better Travel & Accommodation Support
We’ve significantly increased sub-limits for non-emergency travel and accommodation benefits to better reflect real-world costs:
Road travel: Up to N$4,000 (SA) and N$3,000 (Namibia)
Air travel: Up to N$5,200 (both Namibia and SA)
Accommodation: Up to N$750 per night
This ensures members who need to travel for treatment are better supported. This is paid from the non-emergency travel benefit.
Smarter Dental & Orthodontic Benefits
To ensure long-term sustainability and clinical relevance:
Topical fluoride application is now limited to every 180 days.
Oral hygiene instruction is limited to once per lifetime.
Dentures are limited to one set every 3 years for members aged 12+.
Orthodontic treatment is now limited to once per lifetime per member.
These changes are based on clinical research and best practices to ensure fair and effective use of benefits and to reduce waste and abuse.
More Competitive Cover
We’ve aligned key benefits with market trends to ensure you’re getting the best value:
Overall annual limits increased across options by 3.7%.
Specialised medication and chronic drug lists updated.
New stoma products added under medical appliances.
Contribution Adjustments – Still Among the Lowest in the Market
To support these benefit enhancements, and upon review of the different risk pools’ claims ratio, a modest contribution increase will apply:
4.00% for risk pool private members
4.50% for risk pool employer groups
3.75% for risk pool large employer groups
3.75% for basic option across all groups
The above reflects a weighted average increase of 4%. We remain committed to affordability and value, ensuring your contributions directly support better benefits and improved access to care.
View the 2026 Benefit guide for Trauma, Active, Essential, Standard and Comprehensive here
To view the Basic Option click here
Option Changes – Review Your Cover
As your health needs evolve, your medical aid option should too. We encourage you to review your current benefits and compare them with your personal and family healthcare needs.
If you feel another option may better suit your situation in 2026, you are welcome to submit an option change request to the Fund.
Please note: All option changes must be submitted before e end of February 2026 and will take effect from 1 January 2026.
Your wellbeing is our priority, and we’re here to help you make the best choice for your health.
A Word from the Fund
We understand that change can raise questions. Please know that every adjustment is made with your best interest at heart. Our aim is to ensure that Nammed remains a strong, member-focused fund that delivers real value—not just in times of need, but every day. Please consult your benefit guide for detailed benefits.
We are proud to be a fund that gives back to its members. Your health and wellbeing are our top priorities, and we thank you for your continued trust.
Warm regards,
Nammed Medical Aid Fund
Side Pannel
Medical Aid Options
Nammed
Basic
The Basic option provides reasonably-priced, primary healthcare services to the lower-income group. (Maximum monthly salary may not exceed N$17 000).
N$795
Overall Annual
Benefit of
Unlimited (State Facility)
Nammed
Trauma
The Trauma option offers comprehensive benefits for major medical expenses normally associated with hospitalisation. Ideal for members wishing to cover hospital costs only.
N$1892
Overall Annual
Benefit of
N$3 150 000.00
Nammed
Active
The Active option offers benefits associated with hospitalisation and day-to-day medical expenses. This option will cater for young, single people and smaller, healthy families.
N$1939
Overall Annual
Benefit of
N$1 575 000.00
Nammed
Essential
The Essential option is generally suited for the healthier person or family between 36 and 55, who seeks greater benefits than the Active option without needing as much as the Standard option offers.
N$3299
Overall Annual
Benefit of
N$2 310 000.00
Nammed
Standard
The Standard option offers benefits associated with hospitalisation and day-to-day medical expenses. This option is well-suited for the middle-to-higher-income earners who wish to enjoy peace of mind.
N$3794
Overall Annual
Benefit of
Unlimited
Nammed
Comprehensive
The Comprehensive option offers benefits associated with hospitalisation and day-to-day medical expenses. Ideal for members wishing to cover their medical costs to the greatest extent possible or whose health risks may be perceived as high.
N$4801
Overall Annual
Benefit of
Unlimited
Life Stages
18-25
Starters
- Beginning Employment.
- Low - Medium Income,
- Low Health needs,
- For unexpected medical needs.
26-35
Nest Builders
- Seek value rather than cheapest option.
- Need cover for expected medical needs for the young family..
36-55
Mid-Lifers
- Middle to High income levels,
- Medical Aid is a routine monthly expense,
- stable health needs,
56-60
Grey Foxes
- Moving towards retirement,
- Health risks and prevalence of chronic diseases increasing,
61+
Wise Owls
- Members approaching or in retirement,
- Increased prevelance of chronic diseases,
- Greater importance of extent of cover for major medical events like knee & hip replacements.