What each package covers

— means the 2026 Product Rules do not list that benefit for the package. N/A is printed where the Product Rules print it. An asterisk links to a note below.

Adult rates apply below age 65. From age 65 the plan is subject to review.

Notes to the table

• Visits. Visits are paid at AHFoZ rates.
• Foreign treatment. Foreign treatment is subject to pre-authorisation, with a referral from a local specialist.
• Radiology. MRI and CT scans are subject to pre-authorisation, except in an emergency.
• Faecal occult blood test (FOBT). Available every 2 years for adults aged 50 and over, to help detect colon and rectal cancer early.
• Prostate screening. Available to adult men aged 40 and over.
• Mammography screening. Breast cancer screening, once every year for women aged 40 and over.
• Pap smear. Cervical cancer screening, once a year for women aged 30 and over.

What some benefits cover

Orthodontic procedures

Covers specialized dental treatments like braces or aligners to correct tooth alignment and jaw issues, improving dental function and appearance.

Optical and refraction (2-year benefit)

Pays for eye care services, including eye exams, prescription glasses, and contact lenses to maintain clear vision and eye health. This does not cover cosmetic eye gear.

Prosthetic

Supports the cost of artificial limbs, braces, or other devices to restore mobility or replace lost body functions due to injury or illness.

Therapy

Covers rehabilitative therapies such as physiotherapy, occupational therapy, and speech therapy to aid recovery after injury or illness.

Waiting periods

How long after joining before each benefit can be used.

When waiting periods are waived

• Joining from another medical aid society: the 3-month waiting periods are waived.
• Moving to a lower package: waiting periods do not apply.
• Moving to a higher package: the new package’s benefits start only after the third month.
• Corporates with 10 to 50 principal members: the 3-month waiting periods are waived. All other waiting periods apply.
• Corporates with 51 to 100 principal members: the 3- and 6-month waiting periods are waived. All other waiting periods apply.
• Corporates with 100+ principal members: every waiting period of 12 months or less is waived.

Paying in advance

The rates are monthly rates. If you pay in advance, the fund takes off a discount for the time value of money:

Between these, the lower discount applies: 2 months paid up front earns no discount, 3 to 5 months earn 2%, 6 to 11 months earn 3%, and 12 months earn 5%.

What is not covered

• Pre-existing conditions not disclosed upon joining. A condition you already had when you joined, and did not declare on your application, is not covered: the fund does not pay for treatment or medication for it. Declare every existing condition when you apply.

Disclaimer

The breakdown of contributions and benefits on this page is indicative only. Please note that final contribution amounts are determined based on individual factors such as member’s age, health records, claims records and all other relevant considerations. Members are therefore required to contact our offices to confirm their applicable contributions. Where contributions are paid based on the indicative rates shown, the Society reserves the right to adjust the actual contributions payable in accordance with the factors outlined above.