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Prosperity Life has offered namibia first medical insrurance for over 32 years. We are a 100% Namibian-owned, NAMFISA-registered financial services provider (FSP), trusted by thousands of Policyholders Nationwide

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Gap cover pays the shortfall between what your medical aid reimburses at NAMAF tariff and what doctors or specialists actually charge. In Namibia, most medical aids pay at 100% NAMAF tariff — but specialists typically charge 150–300% NAMAF. If you're on any medical aid, including PSEMAS, you almost certainly need gap cover. Prosperity Life's Complimed Gap is the only gap cover in Namibia purpose-built for PSEMAS members.

No. Prosperity Life's Oxygen Hospital Plan gives you full private hospital cover from N$1,357/mo with no medical aid required. It covers hospitalisation, operations and emergencies from day one — no excess or deposit required. You can add MEDBUX for day-to-day cover including medication and dental.

In 2026, Prosperity Life gap cover for PSEMAS members starts from N$443/m (Complimed Higher Gap, age 0–25). Standard PSEMAS Gap from N$657/mo. Complimed Plus for private medical aids from N$214/mo. All premiums are age-banded — use the calculator above to see your exact 2026 premium in under 30 seconds.

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