Question 1

What do I need to bring?

Accepted Answer

Your valid insurance membership card, a national ID or passport and any relevant referral letters from a general practitioner.

Question 2

Do I need a referral?

Accepted Answer

For most outpatient specialist appointments, a referral is recommended but not always required. Emergency services never require a referral.

Question 3

What if I need a procedure?

Accepted Answer

For elective surgical procedures, your insurer may require pre-authorisation. Our billing team will guide you through this process.

Question 4

What is not covered?

Accepted Answer

Coverage varies by plan. Typically excluded items include cosmetic procedures, experimental treatments and some chronic disease medication. Check with your insurer.

Question 5

Can I pay the difference?

Accepted Answer

Yes. If your insurance does not cover the full cost, you can top up the difference with cash or mobile money at our billing counter.

Insurance & Medical Aid

We work with your insurer

How to use your insurance at NIH

Frequently asked questions

Questions about your coverage?

Insurance & Medical Aid

We work with your insurer

How to use your insurance at NIH

Frequently asked questions

Questions about your coverage?