Generation Health

  • High Annual Benefits
  • Private Hospitals
  • Specialists Hospitals
  • Use anywhere in Zimbabwe
  • Funeral Grant
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The Generation Health Medical Fund

Generation Health is an open medical fund launched by Sovereign Health. They have offer a viable alternative approach and healthcare in synch with changing times. The Generation Health Medical Fund benefit design is modelled along the “new generation” health concept which offers healthcare cover that is radically different from the traditional approach, and is relevant to the prevailing economic circumstances of individual members.

Contributions are in two portions “Core contributions” and “Medical Savings Account (MSA) & Routine Benefit Account (RBA) contributions”. The core contributions fund insured benefits, and the MSA contributions fund the out-of hospital benefits. Core contributions are based on the members’ age as at the end of the calendar year; the members’ age is also used to determine the spouse’s contribution. Children under 18 years pay the child rate while those 18 years and older pay age-related contributions.

  • Monthly contribution percentages go towards MSA’s
  • Members with five or more children on the scheme who are all under 18 years enjoy free cover for the fifth (5th) and subsequent children
  • Members must be under 70 years of age at the time of joining

Rules for Plan Changes:

When members join Generation Health, their “anniversary date” is recorded as 01 January. The “anniversary date” determines the annual entitlement for services where annual limits apply. Members who join during the course of the year will have prorated benefits for the remainder of the year.  Members should note that changing Plan options can only be done at the beginning of the calendar year.

Insured Benefit Annual Limit

Ebony Plan   $20,800

Ivory Plan   $35,000

Mahogany Plan   $60,000


Waiting Periods:

Generation Health Medical Fund waiting periods from date of joining are as follows:

Three months waiting period for all benefits. After the general 3-month waiting period, the following condition specific waiting periods apply:-

Six months for:
• Chronic medication
• Funeral Grant
• Travel Insurance
• Specialist treatment and Special Appliances e.g. nebulisers, glucometers, hearing aids, and ostomy bags
• Spectacles and contact lenses
• Planned or elective surgery
• Non-emergency hospitalisation, Pallative Care
• CAT scans, MRI scans, Bone Densitometry Scans and Nuclear Medicine

Nine months for:
Maternity benefits

Twelve months for:
Anti-Retroviral Therapy Programme
Internal prosthesis and surgery involving the use of internal prosthesis

Twenty Four Months for:
Treatment of Cancer
Haemodialysis

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