HARARE – Cimas Medical Aid Society has announced that it will introduce contribution loading on members whose claims are above international standards, effective 1 September 2025.
In a statement to members dated 3 August 2025, the society said the adjustment follows a review of claims data over the past three years. Cimas said the loading system, first adopted in June 2023, is designed to align with international best practices while ensuring the long-term stability of its medical aid scheme.
The society explained that members and firms with a claims ratio above 80 percent will be subject to premium loading. This threshold, it said, is based on the international standard for sustainable health insurance cover.
According to Cimas, the measure is intended to sustain the financial viability of the scheme, reduce the burden of cross-subsidisation between low-risk and high-risk members, and ensure continued access to affordable medical services.
“The premium loading assessment is determined using an actuarial formula that takes into account the claims experience and other considerations,” Cimas said in its bulletin. It added that the loading will appear on members’ September 2025 statements.
Cimas further stated that the contribution loading will not be permanent and will be reviewed after one year. Depending on the claims performance, the loading may be increased, reduced, or removed in future.
The medical aid provider encouraged members to make use of its Blue Zone Network providers, managed care options, and wellness programmes as ways to reduce the frequency and cost of claims. It said such measures could help lower a member’s claims ratio and potentially reduce contribution loading during the next review.
“Cimas remains committed to providing comprehensive, quality healthcare,” the society said. Members with questions or concerns were advised to contact their Key Account Manager or Account Administrator for guidance on how the change will affect them.
