Frequently Asked Questions
General
What is Ethic Health ?
Ethic Health Medical scheme formerly CredSure Health separated from CredSure Insurance in September 2025. Initially registered in 2020 and started operations in 2022 is a specialist in Medical aid products and health insurance administration.
Is Ethic Health a reputable company?
Yes, Ethic health is a fully licensed medical aid society with the Zimbabwean Ministry of Health and Child Care Services. The company partnered with Oraclemed Health a South African company operating in over 20 countriess offering International Health insurance.
What makes Ethic Health different from other medical insurance companies?
Ethic Health focuses on offering tailored medical insurance solutions to suit all levels of income. We are focused on demystifying traditional medical insurance and risk management through innovations aimed at promoting risk-based thinking and practice in all spheres of life.
Where can you find us?
Ethic Health is located at: 126 Kipford Garderns Harare.
How many people can register as dependents on my medical aid package?
There is no limit to the number of dependents a Principal member can register
Which medical facilities accept Ethic Health membership card
Refer to our service providers network on our website or contact our customer service department on email info@ethichealth.co.zw
Membership
Who can join Ethic Health?
This is an open Fund and membership is accepted from individuals, Associations, Groups, Institutions and Corporates both in the formal and informal sectors
What are the benefits of joining Ethic Health?
Ethic Health offers tailored medical insurance solutions from local to international cover. Waiting periods can be waivered for groups.
How do I join Ethic Health?
Access membership forms on our website www.ethichealth.co.zw or contacting them directly. CredSure House , 69 Sam Nunjoma street,
Plans and Coverage
What type of products does Ethic Health offer?
Ethic Health offers a variety of medical aid products to suit different needs and budgets These include
Utano/ Impilo Care
This is an entrance product mainly focusing on provision of primary healthcare to low income earners at public Hospitals , clinics and selected private facilities
Standard Packages
These are plans for those who want comprehensive coverage at private facilities
Student Care
These are tailored medical aid products for students during the term or semester
Hospital and Emergency Plan
These are tailored plans for groups, associations, corporates to have specific benefits at hospitals
International Health Insurance
This product is mainly targeting expatriates and locals in need of international coverage. We offer this product with international partners
What does Ethic Health cover?
Ethic Health offers plans that cover hospitalization, medication, dental care, and other medical services.
How do I find out what is covered by my plan?
You can likely find detailed information about your plan coverage in your membership materials or by contacting Ethic Health directly
Claims and Billing
How do I submit a claim to Ethic Health?
The claims process will likely be outlined in your membership materials or on the Ethic Health website www.ethichealth.co.zw
How long does it take to process a claim
Processing times for claims can vary depending on the complexity of the claim from a day going upwards. Ethic Health should be able to provide you with an estimated processing time frame.
How do I contact Ethic Health with questions about my bill
Contact information for billing inquiries can likely be found in your membership materials or on the Ethic Health website www.ethichealth.co.zw or contact finance@ethichealth.co.zw
Please note:
This FAQ is intended to provide general information about Ethic Health medical aid society. For specific details and up-to-date information, please refer to Ethic Health website www.ethichealth.co.zw or contact Ethic Health directly