CellMed Diaspora

  • Plans for ALL ages
  • Hospital Cash Back*
  • HealthMate App: 24-hour support
  • Immediate GP access once registered
  • Minimum to no shortfalls & co-payment
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Annual Benefit Limit $13 000 $21 000 $33 000
Adult Monthly Premium via Zambezi Medical Plans From £46
Child Monthly Premium via Zambezi Medical Plans From £34
Senior 65+ Monthly Premium via Zambezi Medical Plans From £58
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CellMed Diaspora Medical Aid Plans

CellMed Health Medical Fund offers comprehensive medical aid cover through an extensive service provider network with countrywide distribution, guaranteeing that all members can access medical services in any part of the country. CellMed have also made strategic partnerships regionally and internationally allowing members to access medical treatment outside Zimbabwe.

CellMed plans cover all the provisions with minimum to no top-ups! Which means, you enjoy more peace of mind that your provisions for your loved ones will cater for their medical needs!

CellMed encourages members to be pro-active about healthy living and lifestyle. In order to support this, they have designed a robust continuous health program which engages members in various activities which improve quality of life. Among many, this includes fitness activities – all of which are included in the plans.

Your CellMed membership will give you access to a vast world of medical services! There are some waiting related services however for general practitioners and acute medicines you get immediate access upon successful signing-up for a plan.

The free CellMed HeathMate app is your gateway to full information about your membership, anytime you need it – available to download on both Google Play Store and Apple App Store.

If a member’s stay in hospital exceeds two days, we’ll pay for the inconvenience through our hospital cash back plan which the member can use at their discretion. Hospital cash back age Limit is 3 months and 65 years.*

The 3 CellMed Diaspora Plans are:

  • CLOVER PLAN - annual benefit limit $33000
  • LAVENDER PLAN - annual benefit limit $21000
  • MANUKA PLAN - annual benefit limit $13000

Waiting Periods

When signing-up for a CellMed Diaspora plan, members will be subject to waiting periods however some of the benefits members will be able to access immediately.

No waiting period for:

  • General Practitioners
  • Acute/Chronic Medication
  • Maternity (Normal Delivery)
  • General Scans and X-rays
  • Diabetes – General Practitioners
  • Hypertension – General Practitioners
  • Asthma – General Practitioners
  • HIV/ AIDS – General Practitioners
  • Arthritis – General Practitioners
  • Heart Diseases – General Consultations

Six months for:

  • Dental Treatment
  • Specialist Consultations
  • Hospitalisation
  • Minor Surgeries (e.g. Appendix, Tonsil removal)
  • MRI, PET and CT Scans

Nine months for:

  • Maternity (C-Section)

Twelve months for:

  • Optical Benefit

Twenty-Four months for:

  • Knee and Hip Replacement
  • Lupus
  • Chemotherapy
  • Haemodialysis
  • Orthodontic Treatment
  • Major Surgeries (e.g. Knee, Hip Replacement & Organ Transplant)

HOSPITAL CASH BACK waiting periods:

  • Accidents Immediate cover
  • All illnesses – 3 months
  • Surgeries – 6 months
  • Maternity – 9 months
  • Pre-existing injuries and illnesses – 24 months

* Hospital cash back age Limit is 3 months and 65 years.

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