Consultations General practitioner (GP), clinic, neo natal visits and specialist.

		Medical Services Radiology, X-rays, MRI scans & CT scans, bone density scans, mammograms and pathology.

		Medication Self medication, homeopathic, chronic and acute prescribed by general practitioners, specialists, and clinics. NMPL (Namibia Maximum Price List) applies on all Medication.

		Optical Eye tests, frames, lenses and contact lenses, excimer laser and lasik.

		Dentistry Conservative - dental fillings, extractions and oral hygiene.Specialised - dental implants, crowns, orthodontics, bridges, dentures, etc.

		Auxilliary Services Homeopaths, physiotheraphy, clinical psychology, speech theraphy,occupational theraphy and external appliances e.g. wheelchair, blood pressure apparatus, glucometer, etc.

Contribution and Premium Calculations Contributions are based on the extent of the cover or benefit, which consist of In-Hospital Services and Day-to-Day benefits. Premiums are adjusted every year to make provision for the ever increasing medical costs. The maximum tariff payable for medical treatment (e.g. consultations, medication, procedures, etc.) increases annually based on negotiations between NAMAF and Medical Practitioners. However, a further contributing factor is the benefit utilization by members. The more members claim, the higher the risk that the premiums will increase the following year.