This is a medical scheme for Medical Doctors by Zambia Medical Association (ZMA) aimed at covering costs of healthcare for Doctors and their immediate families in times of need.

Any ZMA member and up to five (5) registered dependents.

Premiums start as low as ZMW600 per registered life per month.

Inclusion onto the scheme is voluntary and remission of premiums is to be made to ZMA secretariat via various platforms available including, Bank Transfer, Bank Deposit, Standing Order, Online Payments and Mobile Money.

ZMA has partnered with Zambia State Insurance Company Ltd (ZSIC Life) to manage the scheme.

Over 160 public and private health facilities across the country are accredited to provide healthcare services countrywide to clients. [Download Healthcare Providers List]

This Scheme is restricted to the Gold tier.

Learn more about the cover by downloading the brochure here: 

• – Comprehensive list of Public and Private Healthcare providers countrywide
• – High benefit amounts per scheme member for each benefit basket under OPD, IP, Optical and Dental
• – Access to high cost and variety of service Edit out High cost replace with Premium
• – Funeral cover
• – Cashless services offered to members on the scheme

Application is available online via the following link: Download Application Form [Download Form]