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We are pleased to present to you with our Plan benefit summary and how the Savings Accounts operate. Detailed information on the benefits is obtainable from our membership guide and or the benefit limits.


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Medical Savings Accounts

This covers all your primary care and all outpatient treatment e.g. Doctors consultation, prescription drugs, general dentistry from the available balances. This also covers in-hospitalisation benefits.

Insured Benefit Cover

This will cover all high cost treatment benefits e.g. in hospital treatment, specialist treatment, laboratory and radiology, chronic illnesses [cancer, kidney failure, HIV/ AIDS treatment, ARVs etc.) Member benefits are per membership year, they are effective the date the member/ beneficiary joins the Fund. These benefits are paid up to an annual global limit. First Mutual Health, reserves the right to recommend members and or beneficiaries to a less expensive treatment where benefit usage is excessive.

Medical Benefits

• Paid in full up to a two bedded ward
• Paid in full in a Government, mission or municipal hospital
• In-hospital drugs are paid for in full except over the counter drugs
• Emergency evacuation for life threatening conditions only
• All life threatening emergency admissions are fully covered, subject to pre-authorisation
• General practitioners are paid in full
• Blood Transfusion Services
• Pathology & Radiology Services at accredited local and foreign service providers
• Specialist treatment services at local and foreign and local service providers


• Paid in full at accredited local and foreign service providers
• Caters for delivery, hospitalisation and maternity care.
• Ante- and post-natal visits are limited to 9 & 5 months respectively
• Ante-natal Ultra-sound Scans are limited to 2 per pregnancy


• Paid for in full up to annual optical limit at First Mutual Health Rates and thereafter every 2 years
• The optical benefit is accessed after pre-authorisation by the Fund


• The drug benefit is a family annual drug limit and covers registered beneficiaries of First Mutual Health at the Fund ‘s rate.
• The Fund has a drug facility arrangement with a wide range of pharmacies countrywide.
• Over the counter drugs are not covered under the drug benefit


• Awards are paid in full at the Fund ‘s rates up to annual dental limit. It covers preventive and general dentistry including fillings, inlays, root treatment, crowns, bridges, implants at the Fund ‘s rates
• The benefit is accessed after 4 months waiting period


• Awards are paid up to prosthetics and appliance annual limit in full
• Internal prosthetics
• External prosthetics
• Hearing and repairs
• Nebulisers
• Ostomy bags
• Miscellaneous appliances
• Lifetime Limits – benefits are accessed once in a lifetime, paid in full up to annual limit
• Glucometers
• Hearing Aids


Covers consultation by a specialist psychiatrist and is paid in full.


Covers Clinical psychology, Social Work, Physiotherapy, Occupational and Speech Therapy. Awards are paid up to rehabilitative services annual limit


It covers Osteopathy, Homeopathy, Chiropractic, Chiropody and Naturopathy where the suppliers are registered under the Alternative Therapies Act


Treatment outside Zimbabwe is subject to pre-authorisation


It is available to members & non-members of the Fund on application


Available to students from High School, Vocational training centres, technical and Teachers colleges through to university


First Mutual Health Chronic Disease covers all ailments e.g. Kidney Failure, Cancer, and HIV/AIDS to access ARVs members need to apply for the Fund ‘s Chronic Rider
Note – members are required to seek pre-authorisation before accessing the benefit


Awards are paid up to an annual limit
• Homes Providing Constant Nursing Care
• Homes for the disabled
• Regional Road and Air Evacuation Inter- and intra-hospital transfer
• Family planning in Zimbabwe ONLY


Subject to waiver at the Fund’s discretion, the following benefits have waiting periods. Waiting periods are imposed on members joining the fund for the first time or with a lapse on membership on the Opal International Plan.

List of Waiting Periods


Four Months

• Admission or treatment at a hospital (in-hospital)
• Specialist treatment
• Upgrading to a higher plan
• MRI, CT Scans and nuclear medicine
• General Dentistry (i.e. fillings, inlays, root treatment,
crowns, bridges, implants)

Nine Months

• Maternity benefit

Ten (10) Months

• Homes providing constant nursing care
• Spectacle or contact lenses
• Surgery at foreign service providers

Eighteen (18) Months [1 year 6 months]

• Internal prosthetic devices
• Haemodialysis
• Chemotherapy
• Chronic Rider (ARVS) for Individuals

Forty-Eight Months [Four Years]

• Orthodontic treatment
• Ex-gratia drug award
• Periodontics


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