Student Plan
Student Plans
We offer affordable student medical aid cover on and off site during every academic year. First Mutual has customized a health plan for students and some of the basic benefits offered under this customized health plan will be associated with services provided by the student health centre.
- Student General
- Student Private
Benefits
Medical Benefits
All plans ensure students get off and on-site cover for essential health care at government and private facilities. These include; Hospitalisation, Drugs, Pathology, Specialised Radiology, Dental, Optical, Pathology & Rehabilitative Services.
Immediate Benefits
Student accounts with 10-49 members from inception enjoy immediate access to General Practitioners and Pharmacies without any waiting periods. Institutions with over 50 members from inception enjoy further immediate cover for admission or treatment at a hospital, MRI, CT Scans and nuclear medicine.
Value Added Benefits
Over and above the medical cover, students get the following benefits:
- Free Funeral Cover
- 1st Care Wellness Benefits
- Membership continuation after graduation without waiting periods
General Waiting Periods
- Admission or treatment at a hospital (in-hospital)
- Dental treatment
- Upgrading to a higher plan
- MRI, CT Scans and nuclear medicine
| Contributions | Student Private | Student General |
| Adult | ZWL $255 | ZWL $113 |
| Child | N/A | N/A |
| Medical Benefits | ||
| Hospitalisation – Semi Private | General | N/A |
| Hospitalisation – Public Healthcare | Private | General |
| Hospitalisation in a private hospital | No | No |
| In hospital drugs ( Semi Private Healthcare Facilities) | Yes | N |
| Hospitalisation in Government, mission and municipal hospitals and clinics | Yes | Yes |
| In hospital drugs, in Government, mission and Municipal hospitals | Yes | Yes |
| Accident and Emergency services ( Semi-Private Healthcare Facilities) | Yes | No |
| Accident and Emergency services at Government, mission and Municipal hospitals | Yes | Yes |
| General Practitioners | Yes | Yes |
| Specialist Treatment | Yes | Yes |
| Specialist treatment in government, mission and municipal Hospitals | Yes | Yes |
| Outpatient services at Government, mission, municipal, mine and Industrial Clinics | Yes | Yes |
| Pathology Private facilities | Yes | Yes |
| Pathology at Government, mission and municipal hospitals | Yes | Yes |
| Radiology Private Facilities | Yes | Yes |
| Radiology at government, mission and municipal hospitals | Yes | Yes |
| Blood transfusion Services | Yes | Yes |
| Drug Benefits | ||
| Drugs Supplied on prescription outside Zimbabwe | ||
| Optical Benefits | ||
| Lenses, frames and contact lenses once every 2 years at Private facilities | No | No |
| Lenses, frames and contact lenses once every 2 years at Government facilities only | Yes | Yes |
| Eye tests paid to tariff twice a year at Private facilities | No | No |
| Eye tests paid to tariff twice a year at Government facilities only | Yes | Yes |
| Maternity Benefits (Gray Out) | ||
| Dental Benefits | ||
| General and preventative dentistry | No | No |
| Inlays | No | No |
| Root treatment | No | No |
| Crowns | No | No |
| Bridges | No | No |
| Dentures | No | No |
| Implants | No | No |
| General and preventative dentistry at government, mission and municipal facilities | Yes | Yes |
| Foreign Treatment (Gray Out) | ||
| Prosthetics and Appliances | ||
| Internal prosthesis | No | No |
| External prosthesis | No | No |
| Nebulisers | No | No |
| Ostomy bags | No | No |
| Hearing Aid repairs | No | No |
| Prothetics and appliances at government, municipal or mission facility | No | No |
| Lifetime Limits | No | No |
| Rehabilitative services | No | No |
| Rehabilitative services at a government, municipal or mission facility | ||
| Psychiatry Benefits | No | No |
| Psychiatry benefits | No | No |
| Emergency Evacuation Services | No | No |
| Air Lifting | ||
| Road ambulance provided by government, municipal or mission facilitity | No | No |
| Road ambulance provided by government, municipal or mission facilitity | ||
| Supplementary Services (gray out) | No | No |
First Mutual Health has extended its services to current members and non-members who have children studying in South Africa and need medical aid cover through a partnership with Momentum Health (SA). The partnership came as result of a gap in the market for medical insurance for Zimbabwean students studying in South Africa to address this need and cater for our First Mutual Health members who need this cover as well as other members of the public, as a stipulated visa application requirement. Download Form and Submit to a First Mutual Health Office near you.
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