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This scheme has an annual cover limit of MK 14 million per member with no limit per condition;

This scheme offers a comprehensive range of benefits.  In addition to the benefits offered under the VIP scheme, this scheme offers 100% coverage on foreign and local treatment with the exception of out patient treatment which has the usual 10% shortfall arrangement, and elective treatment outside Malawi which attracts a 25% shortfall which must be paid by the member;

Full cover in the sub-Saharan Africa region with no additional premium;

Additional travel top up days available outside of sub-Saharan Africa region.

 

A

 

Contribution

Age Band

 Monthly premium per person

0-17

MWK8,011.00

18-29

MWK8,913 .00

30-39

MWK 11,877.00

40-49

MWK 12,780.00

50-59

MWK 17,677.00

60-69

MWK 21,415.00

70 Plus

MWK 29,534.00

 

 

 

Annual Limit

K14,200,000.00

 

 

Territorial Limit

Sub Saharan Africa Region including India with payment of Top-Up days at $5.00 per day extending this limit to rest of the world

 

 

 

 

 

 

 

 

Services

Coverage

B

1

Third Party Accompaniment

 

100% subject to cover limit

 

2

Child Accompaniment

 

100% for Economy Air Fare
accommodation for parent of
child under 16 years of age
(limit MK14,200 per day for up to 30 days)

 

3

Repatriation of mortal remains following medical emergency

 

100% for Economy Air Ticket up
to MK710,000.00

 

 

 

C.

Emergency Dental following accident injury, relief of immediate pain

 

100% Subject tariff up to MK142,000.00

 

 

 

D.

Drugs

Supplied to In-Patients

 

1

ARV's First line treatment from approved service providers

 

NIL

E.

Foreign Treatment (Please note that for  out-patient treatment is not applicable)

 

Specialist foreign medical treatment

 

1

Travel emergency medical treatment         

100% subject to annual
cover and referral
by local specialist.

 

2

Student foreign medical treatment

   

100% subject to annual cover and approval
by MASM.

 

3

Home Nursing
(Post-operative rehabilitation)

   

100% - Subject to tariff.

 

4

Home Nursing
(Post-operative rehabilitation)

     

100% up to MK2, 130,000.00 or 90 days.

 

 

F

Elective Treatment (if outside country of residence.  Includes hospital admissions, intensive care, outpatient care, laboratory tests, x-rays, specialist treatment and drugs

   

75% of full benefit subject to cover limit