Care Option

Inpatient Benefits
Care (MWK)
Inpatient (IP) Limit 1,040,000
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) 500,000
Oncology Subject to MDB per benefiary p.a. 250,000
Organ Transplants *D Subject to MDB per beneficiary p.a. 250,000
Chronic Dialysis Subject to MDB per beneficiary p.a. 250,000
Motor Vehicle Accident Subject to MDB 250,000
Physiotherapy *R per beneficiary p.a. 60,000
Medicines to take home (TTO) 22,750
Radiology and Pathology 61,100
Specialised Radiology One Additional MRI/CT Scan 30% co-pay
Maxillofacial Surgery 250,000
Maternity (Delivery including postpartum and neonatal care) 260,000
Internal and external prosthesis 241,500
Medical Appliances 35,100
Psychiatric hospitalisations 7 days p.a.
Sub-Acute Care 100,000
Ambulance Services 50,000
Emergency Air/Cross-Border Evacuation and Foreign Referral Not covered
Repatriation of Mortal Remains Not covered
Emergency Foreign cover Not covered


Outpatient Benefits
Care (MWK)
Out Patient (OP) Limit 89, 375
Consultations Limit 25,000
Specialist Consultations on Referral 1 Visit
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 41,340
Pathology (Subject to Procedures Limit) 15,000
Radiology (Subject to Procedures Limit) 17,000
HIV / AIDS Benefit *E Anti-retroviral therapy Pathology Tests Covered according to Malawi HIV Policy
Basic Dentistry 17,200
Specialised Dentistry and Orthodontics *P Not Covered
Physiotherapy *R Not Covered
Auxiliary services *R Not Covered
Acute Medicines 30,000
Chronic Medicines *E 41,600
Optometry (Lens and Frame) - Every 2 years 35,000
Eye Test Subject to Optical Limit 1 Eye Test Every 24 months
Funeral Benefit 60,000



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




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