Based on FBC Health Standard
ZiBuntu Basic
A Zimbabwe-only health plan for a beneficiary in Zimbabwe. It is best for diaspora sponsors who want structured, everyday healthcare support for a parent, child, relative or dependant back home.
Who pays
Diaspora sponsor
Who is covered
Beneficiary in Zimbabwe
Where cover works
Zimbabwe only
Overall yearly limit
USD 30,000
Quarterly premium by beneficiary age
These are FBC Health Standard quarterly premiums in USD. ZiBuntu may support quarterly, half-yearly or yearly payment flows.
What Basic is best for
Everyday care
GP visits, prescribed medication, routine investigations and hospital access in Zimbabwe.
Cost control
Lower quarterly premiums than Premium while still giving structured medical-aid access.
Zimbabwe-only support
Suitable when your main need is healthcare support inside Zimbabwe, not regional or international treatment pathways.
Main benefits in plain English
Private hospitals, GPs and specialists through the FBC/AHFoZ provider network
Hospital admission benefit up to USD 10,000
Maternity benefit after the waiting period
Acute prescribed medication up to USD 600
Chronic medication benefit within the overall plan limit
Optical benefit up to USD 450 every 2 years
Specialised dental benefit up to USD 500
4 emergency room visits
12 GP or specialist consultations
Pathology up to USD 200
Basic radiology up to USD 750
Specialised radiology up to USD 1,000
Prosthesis and devices up to USD 1,100
Rehabilitative physiotherapy up to USD 800
Psychiatric hospitalisation up to USD 500
Emergency road ambulance in Zimbabwe only
Basic funeral assistance of USD 350
Waiting periods: when benefits start
Cover does not unlock everything immediately. FBC applies waiting periods before some benefits can be used. Existing chronic conditions may also have condition-specific waiting periods.
3 months
First everyday benefits start
General practitioner visits and prescription drugs start after 3 months. Hospital treatment has partial payment cover from month 3 to month 6, then fuller cover after 6 months, subject to policy rules.
6 months
Specialist and dental benefits start
Specialist treatment, dental treatment and upgrades to a higher plan normally start after 6 months.
12 months
Maternity and advanced treatment categories
Maternity, MRI, CT scans, nuclear medicine, nursing-care homes, specialist foreign treatment where applicable, and spectacles/contact lenses start after 12 months.
18 months
Major treatment categories
Internal prosthetic devices, haemodialysis, chemotherapy and chronic disease add-ons start after 18 months.
48 months
Longer waiting period benefits
Orthodontic treatment, ex-gratia drug awards and periodontics start after 48 months.
What happens after you pay?
Step 1
Application submitted
ZiBuntu records the beneficiary, plan choice and payment flow.
Step 2
Underwriter review
FBC Insurance reviews approval, eligibility, waiting periods and policy terms.
Step 3
Cover confirmation
Cover is only active after FBC approval and confirmation. Payment alone does not activate cover.