About Us

Fund Overview

First Mutual Health is one of the leading medical aid insurance schemes in Zimbabwe and provides exceptional medical aid packages and cover at competitive rates. Through its innovative packages which range from affordable general medical cover to more comprehensive private medical aid cover plans, we offer our members excellent medical cover, peace of mind and value for money than any other medical aid in Zimbabwe.   There are seven Plans under First Mutual Health namely the Opal International Plan, Sapphire Plus Plan, Sapphire Plan, Amber Plan, Ruby Plan, Coral Plan and Topaz Plan.

With a membership of over 100,000 members cutting across a wide spectrum of the market from non-profit making organisations, government institutions, mining, education, individuals and commerce, we are offering the perfect blend of experience and innovation to service our membership exceptionally.

We pride ourselves in looking at the needs for our clients and tailor make each corporate account to suit its specific needs.  There is flexibility since each corporate has its own account within the fund, each corporate fund can be structured to meet the unique requirements of that specific Corporate. The company also offers a separate plan for individuals and students.

First Mutual Health has a contracted network of medical service providers (doctors, specialists, clinics, hospitals, pharmacies, and medical labs etc.) as strategic partners to ensure guaranteed high quality medical attention to members of the scheme. . Ailments which require outpatient visit to a General Practitioner, Clinic or hospital will be paid from the member’s Medical Savings Account whilst huge medical bills such as hospitalization, operations etc will be covered by ‘insurance’. First Mutual Health is unique in that it has a Savings element and the investment income accrues to the client. With the Traditional Medical Aid societies, contributions will just fall away regardless of the fact that clients never claimed.

Our card is the most widely accepted and most convenient currently available in Zimbabwe and the geographical spread ensures that members have access to medical care as far as the remotest cities which include Victoria Falls, Triangle, Binga and other outlying areas in Zimbabwe. The business has established effective strategic partnerships with medical service providers who are well represented across Zimbabwe as well as India, Mauritius, Malawi and South Africa. The thrust is to ensure that its valued clients access medical care in need without any hassles.

First Mutual Health has also extended its services to current members and non-members who have children studying in South Africa and need medical aid cover through a recent partnership with Momentum Health (SA). The partnership came as result of a gap in the market for medical insurance for Zimbabwean students studying in South Africa to address this need and cater for our First Mutual Health members who need this cover as well as other members of the public, as a stipulated visa application requirement.

The company will continue to innovate for customer convenience as well as seek new business through providing quality service, demonstrated claims paying ability, wellness campaigns, innovative products and affordable pricing to its members.