Benefit Options

Pula Medical Aid Fund provides broad medical aid cover (out-of-hospital and in-hospital healthcare benefits) which is not only accessible nationally but transcends our borders. PULA provides medical aid cover to leading companies and individuals across the different sectors of the Botswana economy ranging from SMMEs, large Multinationals to Individual members.

The PULA product ranges are designed to cater for the varying array of individuals and companies, size and level of cover as desired.

Executive Benefit Option

The Executive Benefit Option was introduced on 01 July 2015 as our newest addition to the bouquet of options for our members and prospective member groups then. The option was introduced after members had requested to have a high end cover for their families. We are an organization that strongly believes in innovation that is guided by comprehensive research, which is why we conduct Customer and Stakeholder Satisfaction research to guide our product development. We are proud to present this option to our current and potential membership. The Executive Benefit Option provides a comprehensive cover of BWP 2 Million per member/family per annum. PULA PAYS VAT FOR ALL SERVICES RENDERED TO A MEMBER AND THEIR DEPENDENTS.

The annual basic limit covers:

  • In-patient and Out-patient services
  • Maternity benefits
  • Dental services
  • Acute Medicines
  • Optical benefits
  • Chronic benefit
  • HIV Benefit
  • Psychiatric medication
  • Paramedical services
  • Alcoholism and drug addiction
  • Prosthesis
  • Preventive Benefit
  • Premium Waiver
  • International Travel Insurance

Download Application Form
Download PULA Product Brochure

Deluxe – Benefit Option

The De-luxe Benefit Option provides a comprehensive cover of BWP 1,200, 000 per member/family per annum. The Deluxe Benefit Option cover is split into two parts: the Annual Basic Limit of P700, 000 and a dread cover benefit of P500,000. PULA PAYS VAT FOR ALL SERVICES RENDERED TO A MEMBER AND THEIR DEPENDENTS.

The annual basic limit covers:

  • In-patient and Out-patient services
  • Maternity benefits
  • Dental services
  • Acute Medicines
  • Optical benefits
  • Chronic benefit
  • HIV Benefit
  • Psychiatric medication
  • Paramedical services
  • Alcoholism and drug addiction
  • Prosthesis
  • Preventive Benefit
  • Premium Waiver
  • International Travel Insurance

Download Application Form
Download PULA Product Brochure

Galaxy Benefit Option

The Galaxy Benefit Option is a comprehensive cover targeted at small medium enterprises or low earning employees. The cover provides a total of BWP 100, 000 per member/family per annum. Galaxy does not have a dread disease benefit. The Full list of benefits for this option is listed below. PULA PAYS VAT FOR ALL SERVICES RENDERED TO A MEMBER AND THEIR DEPENDENTS.

The annual basic limit covers

  • In-patient and Out-patient services
  • Maternity benefits
  • Dental services
  • Acute Medicines
  • Optical benefits
  • Chronic benefit
  • HIV Benefit
  • Psychiatric medication
  • Paramedical services
  • Alcoholism and drug addiction
  • e.t.c

Download Application Form
Download PULA Product Brochure

Standard Benefit Option

This option offers a total of P40 000 in benefits per financial year. PULA  members and their dependents on the Standard Benefit Option liable for paying the 10% co-payment, whilst  the fund pays VAT on their behalf.

The Standard Benefit option does not have a dread disease cover.

Benefits include:

  • In-patient and Out-patient services
  • Maternity benefits
  • Dental services
  • Medicines
  • Optical benefits
  • Psychiatric medication
  • Paramedic services
  • Alcoholism and drug addictions
  • Prosthesis

Please note that the Standard Benefit option does not have HIV and Chronic disease benefits. Members wishing to access these benefits need to upgrade to the Deluxe Benefit Option. Members are allowed to change benefits option (upgrade to Deluxe Option or down grade to the  Standard option ) at the end of each  financial year.

Download Application Form
Download PULA Product Brochure

Flexi Benefit Option

This option offers a total of P60 000 flexible out-patient benefits per financial year. PULA  members and their dependents are liable for paying the 10% co-payment, whilst  the fund pays VAT on their behalf.

Benefits include:

  • Out-patient services
  • Dental services
  • Medicines
  • Optical benefits
  • Associated Health Services
  • Emergency Medical Services

Download Application Form
Download PULA Product Brochure

Download Change of Benefit Form