Frequently Asked Questions

Membership is open to both individuals and corporates. Individuals start from the Superior plan and corporates are free to choose any package.

A corporate is an organised group made up of at least 20 employees or principal members.

There is a mandatory 3 months waiting period before one can start using their medical aid. This can be waivered if people join as group.

Our age limit is 65 years.

Yes, new born babies are covered without any waiting periods as long as they are registered within a month or 31days.

We will require proof that the child is still in school or college, otherwise adult rates become applicable.

Yes, you will need to visit our offices to so that you can open an individual account with us.

No, a member can have as many dependants on medical aid.

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 available on our website and our offices.

Yes, Foreign treatment is covered   but upon referral from a specialist in Zimbabwe.  Members can access treatment in South Africa, Malawi, Zambia and India. Regional foreign treatment is available from the Essential Plan whilst International Foreign treatment starts from Superior Plan.

Yes, chronic medication is covered without any extra contribution. Members are however required to declare any chronic conditions.

Members should take their medical aid card as well as their I.D card with them when visiting a doctor.

Members can pay cash upfront to the service provider and make a claim for a refund from us.

Members need to bring a filled claim form and a receipt from a Service Provider to get a refund.

Refunds are paid directly into bank accounts of the members. Members are therefore required to register their bank details with the Fund.

No, over the counter drugs are not covered by medical aid.

An account will be terminated after 2months for non-payment. In the first month the account is suspended and then termination is done in the second month.

You can pay your medical aid account through our online payment platform, bank account, EcoCash or swipe machine at our offices.

CellMed Health offices are in Harare, Bulawayo, Mutare, Zvishavane Hwange and Ngezi.

No, members need to serve the physical months of the waiting periods.

Shortfalls arise if service providers charge fees that are above the tariff/fees paid by CellMed. CellMed pays service providers based on the AHFoZ tariffs and some service providers claim based on tariffs that are higher

Members on corporate accounts are free to upgrade or downgrade to any package. For individual account holders they can also upgrade or downgrade, with the Superior Plan being the lowest.

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.

No, our benefits are pro-rated. The benefits a member gets depends on the exact time of the year he joins.

Unutilised limits will be forfeited when the year ends, members will then be awarded new limits for the new year.