Photo: Gary Bembridge (Flickr), Wikimedia Commons, CC BY 2.0Medical aid societies in Zimbabwe compared
CIMAS, PSMAS and how to choose
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| CIMAS | PSMAS | |
|---|---|---|
| Who they say they are | "Over 8 decades of healthcare experience" | Formed in 1930; over 900,000 members, 17 cities and towns |
| Package families | Secure (USD): Health Save, Primary, Essential, Private, Private Plus, Premium, Prime; ZWL packages; Healthguard (FCA); Medicare | Public sector (Executive, Optimum, Standard); private sector; individual (Elite Plus, Elite, Premium, Status, Classic, Ideal, Regular); students; USD products |
| Joining | Online form ("Join us") | No minimum membership numbers, no age restrictions; SMEs under 10 employees can join individual plans |
| Claims | App, claims@cimas.co.zw, P.O. Box 1243 Harare, or a branch; refunds by bank transfer | Member portal and the PSMAS 24/7 app (PSMAS website) |
| Contact | +263 867 7400 500 · 08080001-3 · connect@cimas.co.zw | +263 8688 002635 · contactus@psmas.co.zw · 47 George Silundika Avenue, Harare |
Quoted from CIMAS, CIMAS how to claim, PSMAS about, PSMAS individual plans, PSMAS public sector and PSMAS contact, PSMAS home, seen on 31 October 2026. Membership figures are the society's own statement.
Five questions before you join
- What is the annual global limit, and the limit per benefit (hospital, specialists, medicines, optical, dental)?
- How long are the waiting periods, and are existing conditions excluded at first?
- Is the subscription and the cover in US dollars or ZiG?
- Which providers accept the card without a cash payment?
- How and when are claims refunded?
Then check that the society is registered: the Medical Services Act forbids running an unregistered society (s 9), and IPEC now registers medical aid societies too (Amendment Act, 2026).
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Frequently asked questions
What are the medical aid societies in Zimbabwe?
Medical aid societies registered under the Medical Services Act, such as CIMAS (Cimas Health Group) and PSMAS (Premier Service Medical Aid Society). No public consolidated register of medical aid societies was available on 31 October 2026; IPEC has had power to register them since 24 April 2026.
Which medical aid is cheapest in Zimbabwe?
Tulinde publishes no price it cannot source, and the societies do not publish all their rates. Ask two or more societies for a written quote for the same family and compare limits and waiting periods, not only the subscription.
Can I join PSMAS if I am not a civil servant?
Yes. PSMAS publishes private-sector, individual, student and USD plans, and says it has no minimum membership numbers and no age restrictions.
Sources
- Medical Services Act [Chapter 15:13], Part III Medical aid societies — ZimLII (Web Archive copy of 6 August 2024)
- Insurance and Pensions Commission Amendment Act, 2026 (No. 2 of 2026) — IPEC copy
- Cimas Health Group — official website: packages, contacts (seen 31 October 2026)
- Cimas Health Group — Our packages (seen 31 October 2026)
- Cimas Health Group — How to claim (seen 31 October 2026)
- PSMAS — official website: plans, member login, PSMAS 24/7 app (seen 31 October 2026)
- PSMAS — About us (seen 31 October 2026)
- PSMAS — Public sector plans (seen 31 October 2026)
- PSMAS — Individual plans (seen 31 October 2026)
- PSMAS — Contact us (seen 31 October 2026)