Individual Plans

Tlotlo Premier

Tlotlo Enhanced

Tlotlo Standard

Tlotlo Essential

Tlotlo Premier Plan offers the following cover and benefits

Annual Basic Limit per Person
BWP 295,000  
Hospitalization Limit
BWP 114,000.00 
Prescribed Medication (Up to three beneficiaries) 
BWP 10,500.00
Prescribed Medication (Above three beneficiaries) 
BWP 16,500.00
Chronic Drugs 
BWP 20,800.00
Normal Dentistry 
BWP 10,500.00
Specialised Dentistry 
BWP 4,000.00
Eye Test 
BWP 290.00
Optical (Frames & Lenses)
BWP 1,644.00
Psychiatric
BWP 6,200.00
Maternity
BWP 8,640.00
Rehabilitative Services (physiotherapy)
BWP 10,000.00
Prosthetics Appliances Treatment
BWP 11,900.00
Pathology
BWP 10,500.00
Specialized Radiology (MRI & CT scans)
BWP 35,700.00
Refraction fees
BWP 35,700.00
Medical Assistive Devices
BWP 500.00 per family
Hearing Aids
BWP 295,000  
Ancillary Services** (according to tariff)
Paid in full  
Private Ambulance Services (according to Tariff)
Paid in full  
Wellness
Paid in Full  
Drug Rehabilitation
BWP 2,200  
Safe Male Circumcision (HIV prevention only)
At FMH Tarrif  
HIV/Aids
BWP 9,000.00 
Dietician
BWP 4,000.00 per family
Clinical Psychologist
BWP 4,000.00 per family
Occupational Therapy 
BWP 4,000.00 per family
Blood Transfusion
BWP 135,000.00 
Medical Assistive Devices
BWP 500.00 per family
Wheelchair
BWP 500.00 per family
Alternative treatments (Chiropractic, Homeopath, Acupuncture)
BWP 1,000.00 
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Tlotlo Enhanced Plan offers the following cover and benefits

Annual Basic Limit per Person
BWP 295,000  
Hospitalization Limit
BWP 114,000.00 
Prescribed Medication (Up to three beneficiaries) 
BWP 10,500.00
Prescribed Medication (Above three beneficiaries) 
BWP 16,500.00
Chronic Drugs 
BWP 20,800.00
Normal Dentistry 
BWP 10,500.00
Specialised Dentistry 
BWP 4,000.00
Eye Test 
BWP 290.00
Optical (Frames & Lenses)
BWP 1,644.00
Psychiatric
BWP 6,200.00
Maternity
BWP 8,640.00
Rehabilitative Services (physiotherapy)
BWP 10,000.00
Prosthetics Appliances Treatment
BWP 11,900.00
Pathology
BWP 10,500.00
Specialized Radiology (MRI & CT scans)
BWP 35,700.00
Refraction fees
BWP 35,700.00
Medical Assistive Devices
BWP 500.00 per family
Hearing Aids
BWP 295,000  
Ancillary Services** (according to tariff)
Paid in full  
Private Ambulance Services (according to Tariff)
Paid in full  
Wellness
Paid in Full  
Drug Rehabilitation
BWP 2,200  
Safe Male Circumcision (HIV prevention only)
At FMH Tarrif  
HIV/Aids
BWP 9,000.00 
Dietician
BWP 4,000.00 per family
Clinical Psychologist
BWP 4,000.00 per family
Occupational Therapy 
BWP 4,000.00 per family
Blood Transfusion
BWP 135,000.00 
Medical Assistive Devices
BWP 500.00 per family
Wheelchair
BWP 500.00 per family
Alternative treatments (Chiropractic, Homeopath, Acupuncture)
BWP 1,000.00 
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Tlotlo Standard Plan offers the following cover and benefits

Annual Basic Limit per Person
BWP 295,000  
Hospitalization Limit
BWP 114,000.00 
Prescribed Medication (Up to three beneficiaries) 
BWP 10,500.00
Prescribed Medication (Above three beneficiaries) 
BWP 16,500.00
Chronic Drugs 
BWP 20,800.00
Normal Dentistry 
BWP 10,500.00
Specialised Dentistry 
BWP 4,000.00
Eye Test 
BWP 290.00
Optical (Frames & Lenses)
BWP 1,644.00
Psychiatric
BWP 6,200.00
Maternity
BWP 8,640.00
Rehabilitative Services (physiotherapy)
BWP 10,000.00
Prosthetics Appliances Treatment
BWP 11,900.00
Pathology
BWP 10,500.00
Specialized Radiology (MRI & CT scans)
BWP 35,700.00
Refraction fees
BWP 35,700.00
Medical Assistive Devices
BWP 500.00 per family
Hearing Aids
BWP 295,000  
Ancillary Services** (according to tariff)
Paid in full  
Private Ambulance Services (according to Tariff)
Paid in full  
Wellness
Paid in Full  
Drug Rehabilitation
BWP 2,200  
Safe Male Circumcision (HIV prevention only)
At FMH Tarrif  
HIV/Aids
BWP 9,000.00 
Dietician
BWP 4,000.00 per family
Clinical Psychologist
BWP 4,000.00 per family
Occupational Therapy 
BWP 4,000.00 per family
Blood Transfusion
BWP 135,000.00 
Medical Assistive Devices
BWP 500.00 per family
Wheelchair
BWP 500.00 per family
Alternative treatments (Chiropractic, Homeopath, Acupuncture)
BWP 1,000.00 
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Tlotlo Essential Plan offers the following cover and benefits

Annual Basic Limit per Person
BWP 295,000  
Hospitalization Limit
BWP 114,000.00 
Prescribed Medication (Up to three beneficiaries) 
BWP 10,500.00
Prescribed Medication (Above three beneficiaries) 
BWP 16,500.00
Chronic Drugs 
BWP 20,800.00
Normal Dentistry 
BWP 10,500.00
Specialised Dentistry 
BWP 4,000.00
Eye Test 
BWP 290.00
Optical (Frames & Lenses)
BWP 1,644.00
Psychiatric
BWP 6,200.00
Maternity
BWP 8,640.00
Rehabilitative Services (physiotherapy)
BWP 10,000.00
Prosthetics Appliances Treatment
BWP 11,900.00
Pathology
BWP 10,500.00
Specialized Radiology (MRI & CT scans)
BWP 35,700.00
Refraction fees
BWP 35,700.00
Medical Assistive Devices
BWP 500.00 per family
Hearing Aids
BWP 295,000  
Ancillary Services** (according to tariff)
Paid in full  
Private Ambulance Services (according to Tariff)
Paid in full  
Wellness
Paid in Full  
Drug Rehabilitation
BWP 2,200  
Safe Male Circumcision (HIV prevention only)
At FMH Tarrif  
HIV/Aids
BWP 9,000.00 
Dietician
BWP 4,000.00 per family
Clinical Psychologist
BWP 4,000.00 per family
Occupational Therapy 
BWP 4,000.00 per family
Blood Transfusion
BWP 135,000.00 
Medical Assistive Devices
BWP 500.00 per family
Wheelchair
BWP 500.00 per family
Alternative treatments (Chiropractic, Homeopath, Acupuncture)
BWP 1,000.00 
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Product FAQ

What types of medical aid plans does First Mutual Health offer? 

First Mutual Health offers medical aid plans in two main categories: 

Local Plans – Tlotlo 

Local plans provide access to healthcare services within Botswana. Members can visit approved healthcare providers such as general practitioners, specialists, hospitals, pharmacies, and laboratories for covered services. 

The local plans fall under the Tlotlo range, which has four tiers: 

  • Tlotlo Essential 
  • Tlotlo Standard 
  • Tlotlo Enhanced 
  • Tlotlo Premier 

These plans are designed for members who travel infrequently and are content with cover primarily within Botswana. The premiums and benefits are in Botswana Pula currency. 

International Plans – Express  

International plans provide access to healthcare services both locally and outside Botswana. These plans allow members to receive treatment abroad, when necessary, subject to the Scheme rules and pre-authorization requirements. 

The international plans fall under the Express range, which includes: 

  • Express Silver 
  • Express Gold 
  • Express Diamond 
  • Express Platinum 

These plans are suitable for members who frequently travel outside their country of residence and require portable medical cover in addition to cover at home. The premiums and benefits are in United States Dollars. 

How do I know which product category is right for me? 

The right plan depends on your healthcare needs, budget, and whether you require local or international medical cover. Our team can assist you in choosing the plan that best suits your needs.