{"id":593,"date":"2023-02-24T12:16:07","date_gmt":"2023-02-24T12:16:07","guid":{"rendered":"https:\/\/rmanam.com\/?page_id=593"},"modified":"2023-06-02T10:56:38","modified_gmt":"2023-06-02T10:56:38","slug":"qa","status":"publish","type":"page","link":"https:\/\/rmanam.com\/index.php\/qa\/","title":{"rendered":"Q&A"},"content":{"rendered":"\t\t
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JOINING THE FUND<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow do I join?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

Get in touch with Renaissance Health Medical Aid Fund. You will be provided with a membership application form to complete and return for assessment. When your application is approved, you will be informed accordingly. Please note that we may ask for a full medical examination. It is important to declare any existing conditions on your membership application. If you don\u2019t, it may be considered as false information and your membership may be terminated.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat time of the year do I join?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

The Fund\u2019s benefit year is from 1 January to 31 December. Any member who joins during the benefit year will receive proportionate (prorated) benefits. That means that your annual benefit limits will be calculated according to the number of months left in the benefit year.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat cover does RMA provide for conditions?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

We provide cover for a range of conditions. Exclusions are applicable on medical conditions which a Medical Aid Fund is legally permitted to exclude from its cover. Please ensure that you declare your complete medical history when applying for membership as pre-existing conditions could be excluded from your cover, so you may have to pay for these costs from your own pocket. You will receive written notification on any exclusions when you join.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tMay I be a member of more than one (1) medical aid fund?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

In terms of the Medical Aid Fund Act no person shall be admitted as a member of more than one registered fund, being either as the principal member or as a dependent.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tCan I join if I'm pregnant?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

Pregnancy is excluded for 12 months if you are not a continuation member and join as an individual\/private member.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow does my HIV\/AIDS status affect my membership?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

Renaissance Health does not discriminate against people with HIV\/AIDS. You, and any dependants with HIV\/AIDS, can join the Renaissance Health \u2018Health is Vital\u2019 programme for HIV management, and benefit from medical treatment and medication.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat are my range of benefit?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

Your benefits are determined by the product option you select. The maximum amount of benefits depends on the product\u2019s overall annual limit. You will find detailed product descriptions on pages 6-19.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat are complementary benefits?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

Complimentary Benefits provide additional cover for a range of medical services. We pay claims for Complimentary Benefits to make your day-to-day benefits last longer. These include health screenings, disease management programmes, travel assistance, contribution protection and more.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\"\"\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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MEMBERSHIP<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat are the rules around principal member and dependent ages?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

The oldest member of your family will be classified as the principal member. Principal members must join before the age of 60. This Rule is subject to the discretion and approval of the Board of Trustees.<\/p>\n

You may have child dependants up to the age of 25, after which they will become principal members themselves. This is regardless whether they are studying or not. They may continue to be your dependent up to the age of 25, as long as they are financially dependent on the main member. <\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat happens if the principal member passes?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

Dependants (spouse and children) who are registered with the Fund at the time of the principal member\u2019s death can stay on as members, and should inform us in writing within 30 days of the principal member\u2019s death.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat happens to my unused benefits?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

Funds that are not used by you or other members of Renaissance Health, are reinvested to provide healthcare cover for the future. Healthy, young and low claiming members cross-subsidise the medical expenses of older, sick and high claiming members. Unused benefits are not rolled over to the following benefit year.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat can I do if I start running out of benefits?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

In this case, you have the option to extend your day-to-day benefits with Benefit Builders. If your product does not qualify for Benefit Builders you will have to pay medical expenses from your own pocket. We encourage you to keep track of benefits online, and with your statements, so that you always have benefits available.<\/p><\/div><\/div><\/div><\/div>

\u00a0<\/h4><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat options do I have available to change my plan?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

You can change your product once a year, effective 1 January. For this reason it is important to choose the correct product to cover you and your family\u2019s health care needs for the following year. For advice on choosing the correct product option.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tCan I transfer my benefits to other members?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

Your benefits can be used by yourself and any dependants you registered with Renaissance Health. You cannot transfer benefits between beneficiaries on the Fund.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat is a CRM number?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

When you contact Renaissance Health, you will be given a CRM number, which is used to track our services. Keep this CRM number as a reference when you call, email or visit. It will save you time when contacting Renaissance Health.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat is disease management?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

As part of your complimentary benefits, you are entitled to register for our chronic\/disease management programme. Contact us to get an application form. We will request a treatment plan from your doctor to accompany your application on specified conditions. Once registered, you will receive a confirmation letter containing a list of preferred medication for your condition. Using preferred medication will lower your co-payments. Please notify us if there are any changes to the prescribed medication for your condition.<\/p><\/div><\/div><\/div><\/div>

\u00a0<\/h4><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow does hospital pre-authorization work?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

If a doctor or specialist refers you or a dependant for hospitalisation, please call us 48 hours before you are admitted to confirm your benefits for admission. Emergency admissions may be authorised within 48 hours or on the first business day following the admission. You will be provided with an authorisation number to approve admission and services.<\/p><\/div><\/div><\/div><\/div>

\u00a0<\/h4><\/div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tWhat should I do in the case of a medical emergency?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

If you or a dependant have a medical emergency immediately call E-Med Rescue 24 on 081 924 (inside Namibia) or +264 61 2999 924 (outside Namibia) for emergency medical evacuation to the nearest appropriate hospital.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow do treatments outside of Namibia work?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

You may claim for treatment in South Africa. Renaissance Health has agreements with some South African Healthcare Providers. If the Healthcare Provider does not accept Renaissance Health, the amount is payable by you to be claimed back. Ask the Healthcare Provider to call + 264 61 2999 736 for assistance.<\/p>

If you are referred for treatment that is not available in your town of residence, in or outside of Namibia, we offer financial assistance for travel expenses. Please obtain pre-authorisation and see pages 6-19 for product specific cover.<\/p>

The Fund also covers emergency evacuation, repatriation, medical treatment and return of mortal remains (SADC) as part of your Complementary Benefits.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t<\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\tHow does cover for international travel work?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t

We provide cover up to N$ 10 million for medical emergencies when you travel internationally for a maximum period of 3 months. For cover please register with us before your trip. You will need to supply the following for registration:<\/p>