MediPlus Option

Inpatient Benefits MediPlus (MWK)
Inpatient (IP) Limit 30,000,000
Hospitalisation (General medical and surgical wards including Ward and Theatre medicines) Subject to overall IP Limit
High Care and ICU Subject to overall IP Limit
Specialists and General Practitioners Subject to overall IP Limit
Theatre Costs Subject to overall IP Limit
Blood Transfusion Subject to overall IP Limit
Major Disease Benefit (MDB) 8,000,000
Oncology Subject to MDB per benefiary p.a. 6,650,000
Organ Transplants *D Subject to MDB per beneficiary p.a. 5,000,000
Chronic Dialysis Subject to MDB per beneficiary p.a. 5,000,000
Motor Vehicle Accident Subject to MDB 5,000,000
Physiotherapy *R per beneficiary p.a. 300,000
Medicines to take home (TTO)    27,300
Radiology and Pathology 370,000
Specialised Radiology Two Additional MRI/CT Scan 30% co-pay
Maxillofacial Surgery    3,000,000
Maternity (Delivery including postpartum and neonatal care) 15,000,000
Internal and external prosthesis       900,000
Medical Appliances          94,250
Psychiatric hospitalisations 7 days p.a.
Sub-Acute Care Subject to overall IP Limit
Ambulance Services 250,000
Emergency Air/Cross-Border Evacuation and Foreign Referral Subject to overall IP Limit
Repatriation of Mortal Remains 1,000,000
Emergency Foreign cover 80,000


Outpatient Benefits MediPlus (MWK)
Outpatient (OP) Limit 638,950
Consultations Limit 159,900
Specialist Consultations on Referral 2 visits
Antenatal and Postnatal Benefit *E Covered
Antenatal & postnatal Consultations 4 Visits
Ultrasounds 2 Scans
Pathology 2 Full Blood Count; VDRL; Urinalysis; HIV-Ag Test
Procedures 285,000
Pathology (Subject to Procedures Limit) 143,000
Radiology (Subject to Procedures Limit) 143,000
HIV / AIDS Benefit *E Anti-retroviral therapy Pathology Tests Covered according to Malawi HIV Policy
Basic Dentistry 195,000
Specialised Dentistry and Orthodontics *P 255,000
Physiotherapy *R Subject to Auxiliary limit
Auxiliary services *R 200,000
Acute Medicines 180,000
Chronic Medicines *E 152,250
Optometry (Lens and Frame) - Every 2 years 160,000
Eye Test Subject to Optical Limit 1 Eye Test Every 24 months
Funeral Benefit 150,000



*E = Enrolment Required
*P = Pre-Authorisation Required
*R = Referral by GP or Specialist required
*D = Donor not covered






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