Medical Aid That Gives You Access to Quality Healthcare When You Need It Most

Healthcare costs in Zimbabwe can devastate your family’s finances overnight.

One hospital admission. One emergency surgery. One chronic diagnosis.

Suddenly, you’re choosing between medical treatment and paying school fees.

Royal Palace medical aid ensures you get the healthcare you need without financial catastrophe.

Comprehensive health cover starts at just $20 per month.

Access private hospitals, specialists, and emergency care across Zimbabwe.

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Why Zimbabwean Families Trust Royal Palace Medical Aid

Quality healthcare shouldn’t be a luxury reserved for the wealthy.

Every family deserves access to proper medical treatment without bankruptcy.

Royal Palace medical aid makes healthcare affordable and accessible.

What makes our medical aid different:

Wide Hospital Network – Access to top private hospitals in Harare, Bulawayo, and across Zimbabwe. Plus partnerships with hospitals in South Africa.

No Waiting for Emergencies – Emergency treatment covered from day one. No waiting periods for accidents or urgent care.

Chronic Illness Management – Cover for diabetes, hypertension, asthma, HIV/AIDS, and 26+ chronic conditions included.

Maternity Benefits – Pregnancy, delivery, and newborn care are fully covered after the waiting period.

Specialist Access – See cardiologists, oncologists, and other specialists without referral delays.

Affordable Family Rates – Cover your entire family under one medical aid plan at reduced rates.

USD and ZWL Options – Flexible payment in the currency that works for you.

Complete Medical Aid Coverage

Hospital Benefits

In-Patient Care: Full coverage when you need to stay in the hospital.

Covered Services:

Hospital admission fees
Private or semi-private ward accommodation
Theatre fees for surgery
Surgeon and anesthetist fees
Nursing care 24/7
Medications administered in the hospital
Medical equipment and supplies
ICU and high-care unit admission
Post-surgery recovery care

Unlimited hospital days on premium plans.

Emergency Services Accidents and emergencies don’t wait.

Immediate Coverage:

Ambulance services (road and air)
Emergency room treatment
Trauma stabilization
Emergency surgery
Blood transfusions
Emergency imaging (X-rays, CT scans)
Emergency medications
Observation and monitoring

No pre-authorization required for genuine emergencies.

Out-Patient Benefits

Doctor Consultations: Visit your GP or specialist when you need medical attention.

Coverage Includes:

General practitioner visits (unlimited on most plans)
Specialist consultations (cardiologist, gynecologist, etc.)
Follow-up appointments
Medical certificates
Referral letters
Basic procedures in doctors’ rooms

Diagnostic Tests: Know what’s wrong before treatment begins.

Covered Tests:

Blood tests and pathology
X-rays and radiology
Ultrasounds
CT scans and MRI
ECG and stress tests
Endoscopy procedures
Biopsy and histology
Cancer screening tests

Prescription Medicines: Get the medications you need from approved pharmacies.

Chronic Medication: Unlimited supply for registered chronic conditions, including:

Diabetes medications and insulin
Hypertension tablets
Asthma inhalers and pumps
HIV/AIDS antiretrovirals
Epilepsy medications
Thyroid treatments
Psychiatric medications
And 20+ more conditions

Acute Medication: Annual limit for short-term prescriptions and antibiotics.

Specialized Medical Aid Benefits

Maternity Care: Complete pregnancy and childbirth coverage.

Antenatal Care:

Monthly doctor visits
Ultrasounds (3-4 scans)
Blood tests and screening
Vitamins and supplements
High-risk pregnancy monitoring

Delivery:

Natural birth or cesarean section
Private maternity ward
Obstetrician fees
Anesthetist for C-section
Pediatrician for newborns
2-3 days hospital stay

Postnatal Care:

Follow-up appointments
Newborn screening tests
Lactation support
Postpartum complications

Waiting period: 10 months (plan!)

Dental Benefits: Keep your smile healthy.

Basic Dental:

Routine check-ups (2 per year)
Cleaning and scaling
Fillings
Extractions
X-rays

Major Dental (Premium plans):

Root canals
Crowns and bridges
Dentures
Gum disease treatment

Optical Benefits Protect your vision.

Coverage Includes:

Eye examinations annually
Prescription glasses or contact lenses
Lens replacement
Frame allowance
Children’s optical care

Annual limit: $100-$300 depending on plan.

Mental Health Services. Your mental health matters too.

Covered Services:

Psychiatrist consultations
Psychologist therapy sessions
Inpatient psychiatric care
Addiction treatment programs
Mental health medications

Cancer Treatment: Comprehensive oncology care when you need it most.

Full Coverage:

Chemotherapy
Radiation therapy
Immunotherapy
Cancer surgery
Oncologist consultations
Cancer medications
Supportive care
Palliative care

No annual limits on cancer treatment.

Renal Dialysis: Ongoing kidney failure treatments are covered.

Unlimited dialysis sessions at approved centers in Harare and Bulawayo.

Physiotherapy & Rehabilitation – You will receive support after injury or surgery.

Annual sessions are covered based on medical necessity.

Medical Aid Plans for Every Budget

Essential Medical Aid

Basic protection for healthy individuals.

Monthly Premium: $20 per person
Best For: Young adults, singles, basic coverage needs

Key Benefits:

GP visits: 10 per year
Hospital cover: $10,000 annual limit
Emergency care: Unlimited
Basic chronic medication
Basic dentistry: 2 visits
Maternity: Not included

Ideal starter medical aid for budget-conscious members.

Standard Medical Aid

Comprehensive family healthcare coverage.

Monthly Premium: $45 per person ($120 for a family of 4)
Best For: Families, individuals with chronic conditions

Key Benefits:

GP visits: Unlimited
Hospital cover: $30,000 annual limit
All emergency services
Full chronic medication (26+ conditions)
Specialist visits: 10 per year
Maternity: Full cover after 10 months
Dentistry: Basic included
Optical: $150 annual limit

Our most popular medical aid plan.

Premium Medical Aid

Maximum healthcare protection with minimal restrictions.

Monthly Premium: $85 per person ($220 for a family of 4)
Best For: Comprehensive needs, frequent medical care, executives

Key Benefits:

GP visits: Unlimited
Hospital cover: Unlimited
All emergency services unlimited
Full chronic medication unlimited
Specialist visits: Unlimited
Major dental work included
Optical: $300 annual limit
Mental health: 20 sessions annually
International emergency cover
Private ward guarantee
Second medical opinion service

Premium medical aid for complete peace of mind.

Senior Citizen Medical Aid

Specialized coverage for those over 60.

Monthly Premium: $95 per person
Best For: Retirees, pensioners, elderly parents

Key Benefits:

All Standard benefits
Enhanced chronic medication
Geriatric specialist access
Extended hospital stays
Home nursing care
Medical equipment (wheelchairs, walkers)
No age-related exclusions

Dignity and care for Zimbabwe’s elders.

Executive Medical Aid

Top-tier coverage, including international treatment.

Monthly Premium: $150 per person ($380 for a family of 4)
Best For: High-income earners, frequent travelers, comprehensive international needs

Key Benefits:

Everything in the Premium plan
South Africa hospital access
International emergency evacuation
Treatment abroad up to $100,000
Concierge medical services
Fast-track appointments
24/7 medical helpline
Annual health assessments
Wellness programs

World-class medical aid for discerning members.

Compare All Medical Aid Plans

Add-On Medical Aid Benefits

Gap Cover: Pay the difference when hospital bills exceed medical aid rates.

Premium: $8/month per person
Benefit: Up to 300% of medical aid rates covered

Travel Insurance Medical emergencies while traveling.

Premium: $5/month per person
Benefit: Cover for medical treatment abroad, repatriation, and travel delays

Trauma Cover: Lump sum payout for major health events.

Premium: $12/month
Benefit: $10,000 cash for heart attack, stroke, or cancer diagnosis

How Royal Palace Medical Aid Works

Step 1: Choose Your Plan. Select the medical aid level that matches your healthcare needs and budget.

Not sure which plan? Our advisors assess your situation and recommend optimal coverage.

Step 2: Complete Application. Fill out a simple health questionnaire. Most members approved within 24-48 hours.

Pre-existing conditions disclosed upfront. We don’t penalize honesty.

Step 3: Activate Your Medical Aid Coverage starts on the 1st of the following month after payment.

Emergency care is covered from day one.
GP visits and medication are covered from day one.
Maternity is covered after 10 months.
Pre-existing conditions are covered after 3 months.

Receive your medical aid card digitally and by post.

Step 4: Visit Healthcare Providers. Present your Royal Palace medical aid card at any network hospital, clinic, or pharmacy.

Most providers bill us directly. You walk out without paying.

Step 5: We handle the Rest Claims submitted automatically by healthcare providers.

You receive SMS confirmation of claims processed.

Monitor your benefits usage online or via our mobile app.

Royal Palace Medical Aid Hospital Network

Harare Network:

Avenues Clinic
Borrowdale Trauma Centre
The Medical Centre
Parirenyatwa Group of Hospitals (private wing)
Westend Hospital
Dandaro Clinic
More than 15 hospitals and clinics

Bulawayo Network:

Mater Dei Hospital
St Francis Hospital
Thorngrove Maternity Home
Mpilo Central Hospital (private wing)
United Bulawayo Hospitals
10+ hospitals and clinics

Nationwide Coverage: Medical aid accepted at major hospitals in Mutare, Gweru, Masvingo, Victoria Falls, and all provincial centers.

South Africa Access (Premium and Executive plans):

Netcare Hospitals
Life Healthcare facilities
Mediclinic hospitals
Over 200 hospitals across SA

Why Medical Aid Is Essential in Zimbabwe

Government Hospitals Are Overwhelmed. Long waiting times. Equipment shortages. Limited medications. Medical aid gives you access to private facilities with better resources.

Private Healthcare Is Expensive. A single hospital admission costs $2,000-$10,000. One emergency surgery can wipe out years of savings. Medical aid protects you.

Chronic Illness Is Common. Diabetes, hypertension, and HIV/AIDS affect millions of Zimbabweans. Lifelong medication costs are unsustainable without medical aid.

Medical Emergencies Happen Without Warning. Car accidents. Heart attacks. Pregnancy complications. You can’t predict when you’ll need expensive emergency care.

Cancer Treatment Is Financially Devastating. Chemotherapy costs $3,000-$8,000 per cycle. Radiation therapy runs thousands more. Medical aid covers these catastrophic costs.

Your Family Depends on Your Health. If you’re sick and can’t work, your income stops. Medical aid ensures illness doesn’t destroy your family’s finances.

Real Stories from Protected Members

“Medical Aid Saved My Daughter’s Life”

“My 6-year-old had a burst appendix. Emergency surgery at Avenues Clinic. Three days in the hospital. The bill was $4,800. Royal Palace medical aid covered everything. I paid nothing. Without medical aid, I don’t know what we would have done.”

Chipo M., Harare

“Living with Diabetes Doesn’t Bankrupt Me”

“I was diagnosed with Type 2 diabetes last year. My monthly medication costs $120. Doctor visits add another $60. Royal Palace medical aid covers all of it. I pay my $45 premium and nothing more. My diabetes is controlled, and my family isn’t suffering financially.”

Simba T., Bulawayo

“They Covered My Cancer Treatment”

“I was diagnosed with breast cancer. Needed surgery, then six months of chemotherapy. The total cost was over $25,000. My Premium medical aid covered every cent. I’m in remission now. Medical aid didn’t just protect my finances. It saved my life because I could afford treatment.”

Rumbidzai K., Harare

“Maternity Care Was Stress-Free”

“My wife had pregnancy complications. She spent two weeks in the hospital before delivery. Then an emergency C-section. Our baby spent five days in NICU. The total bill was $8,500. Our Standard medical aid covered it all. We focused on our baby, not money.”

Patrick S., Gweru

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Medical Aid vs. Medical Insurance: Understanding the Difference

Many Zimbabweans confuse these products.

Medical Aid (What Royal Palace Offers):

Ongoing healthcare coverage
Covers doctor visits, medication, and hospital stays
Chronic illness management included
Preventive care encouraged
Annual membership with monthly premiums
Day-to-day and major medical expenses

Medical Insurance (Hospital Cash Plans):

Only pays cash when hospitalized
No doctor visit coverage
No medication coverage
No chronic illness management
Just a daily cash benefit per hospital day
Limited protection

Medical aid provides comprehensive healthcare access. Medical insurance just gives cash.

Royal Palace offers true medical aid, not limited hospital cash plans.

Common Questions About Medical Aid

Can I join a medical aid if I have pre-existing conditions? Yes. We accept members with pre-existing conditions. There’s a 3-month waiting period before those specific conditions are covered. Everything else is covered from month one.

What if I can’t afford the premiums? Start with Essential medical aid at $20/month. It’s better than no coverage. Upgrade as your income grows.

Do I need medical aid if I’m young and healthy? Accidents don’t discriminate by age. Plus, locking in medical aid while young means lower premiums for life. And if you develop a condition later, you’re already covered.

Can I use medical aid at government hospitals? Our medical aid is designed for private healthcare facilities. However, emergency stabilization anywhere is covered, and then transferred to private facilities.

What happens if I lose my job? You can continue your medical aid by paying premiums personally. Don’t let coverage lapse, especially if you have chronic conditions.

Are traditional healers covered? No. Medical aid covers licensed medical practitioners and registered healthcare facilities only.

Can I add family members later? Yes. Spouse and newborns can join anytime. Other family members may require medical underwriting.

What if a doctor charges more than medical aid rates? You pay the difference (called a co-payment). Gap Cover add-on eliminates this risk.

How do I know which hospitals accept my medical aid? We provide a full network list. Call our helpline before seeking treatment to confirm coverage.

Get Answers to Your Specific Questions

Special Medical Aid Programs

Corporate Medical Aid: Comprehensive group schemes for companies.

Benefits for Employers:

Attract and retain top talent
Healthier, more productive workforce
Tax-deductible business expense
Reduced absenteeism
Discounted group rates

Minimum 5 employees required.

Student Medical Aid: Affordable coverage for university students.

Monthly Premium: $15 per student
Coverage: GP visits, emergency care, basic hospital, medications

Perfect for students away from home in Harare, Bulawayo, or studying abroad.

Diaspora Medical Aid: Living abroad but visiting Zimbabwe regularly?

Our diaspora medical aid covers you during visits home. Pay premiums from anywhere. Coverage is active when in Zimbabwe.

Plus, optional South Africa coverage for those living in SA but visiting family.

What Medical Aid Doesn’t Cover

We believe in transparency. Here’s what’s excluded:

Cosmetic Procedures: Plastic surgery, cosmetic dentistry, beauty treatments (unless medically necessary after accident/surgery).

Experimental Treatment: Unproven therapies not recognized by medical authorities.

Self-Inflicted Injuries: Intentional self-harm or injuries during illegal activities.

Routine Health Supplements Vitamins, supplements, health foods (chronic medication vitamins covered).

Infertility Treatment IVF and fertility treatments (Executive plan offers partial coverage).

Alternative Medicine: Homeopathy, naturopathy, and acupuncture (unless medically prescribed).

Pre-Existing Conditions During Waiting Period: First 3 months after joining (emergencies still covered).

War and Civil Unrest Injuries during war, terrorism, and riots.

Everything else is covered. When in doubt, ask us before treatment.

How to Maximize Your Medical Aid Benefits

Register Chronic Conditions. If you have diabetes, hypertension, or other chronic illnesses, register them. Unlock unlimited medication benefits.

Use Preventive Care. Annual check-ups help catch problems early. Fully covered on most plans.

Stay In-Network. Using approved hospitals and doctors means direct billing. You pay nothing up front.

Pre-Authorize Major Procedures: Call us before planned surgery or major treatment. We confirm coverage and arrange direct billing.

Keep Your Card Handy. Medical emergencies happen unexpectedly. Always carry your medical aid card.

Update Dependents Promptly: Marriage, divorce, new baby? Update your medical aid within 30 days to maintain coverage.

Pay Premiums On Time. Even one missed payment can cause a coverage lapse. Set up automatic payments.

Ask Questions. Not sure if something’s covered? Call our helpline. We’d rather clarify than have you face unexpected costs.

Royal Palace Medical Aid Advantages

Established Track Record: 15 years providing medical aid to Zimbabwean families. Financial stability you can trust.

Fast Claims Processing: Most claims are approved and paid within 48 hours. Healthcare providers love working with us.

Local Expertise We understand Zimbabwe’s healthcare landscape. Our medical aid addresses real local needs.

Flexible Payment Options: USD or ZWL premiums. Monthly, quarterly, or annual payments. EcoCash, bank transfer, or cash accepted.

24/7 Support Medical emergencies don’t wait for business hours. Our helpline operates around the clock.

Easy Online Management: Check benefits, view claims, update details, find hospitals – all via our member portal and mobile app.

No Surprise Bills: Transparent coverage limits. You always know what’s covered before treatment.

Member Wellness Programs: Free health screenings, wellness workshops, and chronic disease management support.

Get Your Free Medical Aid Quote

Instant Online Quote Answer 6 simple questions. See your personalized medical aid rates in 60 seconds.

Expert Consultation: Speak with our medical aid advisors. Get professional guidance on choosing the right plan.

Visit Our Offices. Meet our team in Harare or Bulawayo. Bring your family. Discuss your healthcare needs face-to-face.

WhatsApp Quote: Send your details via WhatsApp. Receive customized medical aid options within hours.

Corporate Quotes HR managers: Request group scheme quotes for your company. We provide comprehensive proposals.

Don’t Wait for a Health Crisis to Get Medical Aid

Medical aid is easiest to get when you don’t need it yet.

Waiting until you’re sick means:

Higher premiums
Possible rejection
Long waiting periods
Pre-existing condition exclusions

Join today while you’re healthy. Lock in affordable rates. Protect your family.

One hospital visit without medical aid can cost more than 10 years of premiums.

The real question: Can your family afford NOT to have medical aid?

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Harare: | Mon-Fri 8am-5pm, Sat 9am-1pm
Bulawayo: | Mon-Fri 8am-5pm, Sat 9am-1pm

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Why many choose Royal Palace

✓ Licensed Medical Aid Provider by IPEC
✓ 15 Years Serving Zimbabwean Families
✓ Over 5672 Active Medical Aid Members
✓ $20 Million in Claims Paid Annually
✓ 15+ Hospital Network Partners in Harare
✓ 10+ Hospital Network Partners in Bulawayo
✓ 48-Hour Claim Processing Guarantee
✓ 24/7 Medical Emergency Helpline
✓ 98% Member Satisfaction Rating
✓ A+ Financial Strength Rating