The Ministry of Finance has revealed in the 2019/2020 Accountability Report that there were 36 628 ghost beneficiaries on the Public Service Employee Medical Aid Scheme (PSEMAS). This was discovered during the second phase of the PSEMAS Membership Verification Project. These individuals who appeared nowhere on the public service payroll system have since been removed. The ministry also discovered that 32 000 members were not contributing to the medical aid but were enjoying all benefits. In the 2019/2020 financial year, the Ministry of Financial collected N$15 million in arrear payments from the non-paying members and the process is ongoing. The ministry had budgeted N$545 million in membership contributions to PSEMAS but it received N$109 million less than expected. PSEMAS medical claims also jump unexpectedly in the last quarter of the period under review, resulting in the fund overspending its budget by 16% from the appropriated N$2,4 billion to N$2,8 billion.