Newsletter 2 for 2017


We publish Newsletters at regular intervals to keep our members informed, to motivate new readers to join Heritage Health Medical Aid Fund and to be of service to you. In the Newsletters we will be addressing issues such as improving your health, how to manage your benefits and the associated costs, how risk is managed, and your responsibilities as a member and our service to you. You may also contact us on topics that you wish to be addressed.

Annual General Meetings and your Role as a member

In this Newsletter we would like to express the importance of the Annual General Meetings held annually in June and the key role you have as a member of your Heritage Health Medical Aid Fund. Heritage Health is regulated by NAMFISA who is responsible for the sound running of the business of your medical aid fund in terms of the Medical Aid Funds Act, 1995 and the pertaining Regulations and who also attends to the interests of the consumers. A Board of Trustees and a Principal Officer is appointed to manage the business of the Fund. The Board of Trustees is represented by the members and healthcare providers. Heritage Health Medical Aid Fund has a set of Rules approved by NAMFISA and which states the terms and the conditions for the Fund.

At the AGM, amongst other, the audited financial statements of the Fund is presented by the Auditors of the Fund, the Annual report is presented by the Chairman, Trustees are elected, and ratification of the auditors and the remuneration of the trustees is approved. During the month of May 2017 you will receive the notification of the meeting including the time and venue which requires your attendance. Should you be unable to attend you will be requested to provide a proxy to the Principal Officer or the Fund Manager. In this regard you will receive emails.

Trustee Nominations:

It is important to ensure that your interests as a member of Heritage Health is guarded by Trustees who will always apply the stated principles of good corporate governance and will meet their fiduciary duties and responsibilities.
We kindly request you to please nominate and forward the name(s) of persons who you would like to be a Trustee on the Heritage Health Medical Aid Fund to: This email address is being protected from spambots. You need JavaScript enabled to view it..

Travel Insurance

All members under Heritage Health are required to always notify the office of Heritage Health when travelling outside the borders of Namibia. You will be required to provide a copy of your passport and where you do not have a passport, then a copy of your permanent residence, the dates that you will be out of the country and the countries that you intend to visit.

Your Responsibility to Take Action for your “Winter” Health

Health benefits of regular exercises and physical activity are hard to ignore. We all benefit from exercises, regardless of age, sex or physical ability. During the winter the importance of exercise and a healthy diet becomes more important.

Your Dental Health

Everyone wants to have a great smile which is why good oral hygiene is important! Having poor oral hygiene can lead to a variety of dental and medical problems in the future such as gum disease, infection, bone loss, heart disease, strokes and more. Regular check-ups and cleanings can prevent these problems as well as provide you with good oral hygiene.

  • Proper brushing at least twice per day to prevent acid buildup from the breakdown of food bacteria
  • Flossing can help remove food particles and other detrimental substances that brushing regularly can not
  • Avoid tobacco which will save you from oral cancer and periodontal complications
  • Limit sodas, coffee and alcohol as too much causes dental hygiene problems such as tooth decay and gum diseases
  • Visit your dentist at least twice a year
  • Having a toothache or noticing other dental symptoms should result in an appointment at your dentist as soon as possible
  • Clean your tongue daily for countless bacteria


Did you know that you may view available benefits, the payments of your invoices and all other communication by registering under the website of Heritage Health at under the top icon “Service” and then on the side panel under the icon “member login” We encourage you to register and to manage your medical aid cover.

Chronic Medication Items

A chronic condition is a disease that persists for a long time, i.e. three months or more and generally can not be prevented by vaccines or cured by once off medication. It is a condition which normally will exist for your life period once you have been diagnosed with the condition. Under Heritage Health there are two sets of conditions. The “limited List” of conditions is normally less costly than the conditions on the “Extended List” and which will assist our members to choose the most appropriate benefit plan for their chronic medication cover.


It always is important for you to ensure that HERITAGE HEALTH does receive a detailed invoice (and not a receipt) to enable processing of the claim in terms of your records and to make the necessary refunds to you or to your healthcare provider. Claims must be submitted within four months from the date of service and not the date that you receive the invoice. Where no proof of payment is attached the refund will be made to the provider unless the provider has opted not to claim directly.

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