Based on FBC Health Private
ZiBuntu Premium
A stronger plan for a beneficiary in Zimbabwe who may need higher limits, wider treatment access, road and air ambulance support, and approved regional or international specialist referral pathways.
Who pays
Diaspora sponsor
Who is covered
Beneficiary in Zimbabwe
Where cover works
Zimbabwe, region and India with pre-authorisation
Overall yearly limit
USD 40,000
Quarterly premium by beneficiary age
These are FBC Health Private quarterly premiums in USD. ZiBuntu may support quarterly, half-yearly or yearly payment flows.
What Premium is best for
Higher limits
Premium has a higher overall annual limit and stronger limits on several benefit categories.
More serious care needs
Better suited where the family wants broader protection for more complex healthcare needs.
Approved referral pathways
Regional or India treatment only applies where FBC approves it first under plan terms.
Main benefits in plain English
Private hospitals, GPs and specialists at negotiated rates
Hospital admission benefit up to the overall plan limit
Maternity benefit after the waiting period
Acute prescribed medication up to USD 800
Chronic medication benefit within the overall plan limit
Optical benefit up to USD 600 every 2 years
Specialised dental benefit up to USD 1,000
6 emergency room visits
12 GP or specialist consultations
Pathology up to USD 350
Basic radiology up to USD 1,000
Specialised radiology up to USD 2,000
Prosthesis and devices up to USD 3,500
Rehabilitative physiotherapy up to USD 2,000
Psychiatric hospitalisation up to USD 1,200
Emergency road and air ambulance support
Basic funeral assistance of USD 400
Waiting periods: when benefits start
Premium has stronger benefits, but it still has waiting periods. 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
Advanced and specialist categories
Maternity, MRI, CT scans, nuclear medicine, nursing-care homes, specialist foreign treatment with pre-authorisation, 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, exclusions and policy terms.
Step 3
Cover confirmation
Cover is only active after FBC approval and confirmation. Payment alone does not activate cover.