Benefit Structure

The structure provides details of your medical aid benefits and contributions.

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Add-On Medication Form

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Benefit Booklet 2023

Download the comprehensive Napotel 2023 Benefit Booklet, for all the information on the benefit structure as well as the procedures of the Fund. 

Download Napotel Main Benefit Booklet 2023

Download Napotel LITE Benefit Booklet 2023


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Benefit Structure

New Benefits Effective 01 January 2023

B1Hospital Benefits Group
(Subject to clinical risk management protocols
and pre-authorization)
 N$ 799 500 per beneficiary
  Private Hospitals includingmedicines, materials,
hospital apparatus and 7 days take out medication
100% tariff Part of the
Overall Annual limit
  Provincial Hospitals including medicines, materials,
hospital apparatus and 7 days take out medication
  Step‐down Nursing Facilities in lieu of hospitalization
  GP Consultation, treatment & services 225% tariff
  Specialist consultations, treatment and services
  Blood Transfusion 100% tariff
  Pathology N$ 11 040 pbpa
  Radiology   N$ 11 040 pbpa

Download Main Benefits Structure 2023

Download Lite Benefits Structure 2024