| Inpatient Benefits | MediCare (MWK) |
| Inpatient (IP) Limit | 12,800,000 |
| 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) | 6,150,000 |
| Oncology Subject to MDB per benefiary p.a. | 3,200,000 |
| Organ Transplants *D Subject to MDB per beneficiary p.a. | 2,750,000 |
| Chronic Dialysis Subject to MDB per beneficiary p.a. | 2,750,000 |
| Motor Vehicle Accident Subject to MDB | 2,750,000 |
| Physiotherapy *R per beneficiary p.a. | 234,000 |
| Medicines to take home (TTO) | 25,000 |
| Radiology and Pathology | 335,000 |
| Specialised Radiology | One Additional MRI/CT Scan 30% co-pay |
| Maxillofacial Surgery | 2,550,000 |
| Maternity (Delivery including postpartum and neonatal care) | 8,000,000 |
| Internal and external prosthesis | 570,000 |
| Medical Appliances | 94,250 |
| Psychiatric hospitalisations | 7 days p.a. |
| Sub-Acute Care | Subject to overall IP Limit |
| Ambulance Services | 200,000 |
| Emergency Air/Cross-Border Evacuation and Foreign Referral | Subject to overall IP Limit |
| Repatriation of Mortal Remains | 600,000 |
| Emergency Foreign cover | 80,000 |
| Outpatient Benefits | MediCare (MWK) |
| Outpatient (OP) Limit | 376,220 |
| Consultations Limit | 119,860 |
| 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 | 163,410 |
| Pathology (Subject to Procedures Limit) | 72,500 |
| Radiology (Subject to Procedures Limit) | 65,000 |
| HIV / AIDS Benefit *E Anti-retroviral therapy Pathology Tests | Covered according to Malawi HIV Policy |
| Basic Dentistry | 195,000 |
| Specialised Dentistry and Orthodontics *P | 200,000 |
| Physiotherapy *R | Subject to Auxiliary limit |
| Auxiliary services *R | 200,000 |
| Acute Medicines | 119,860 |
| Chronic Medicines *E | 130,000 |
| Optometry (Lens and Frame) - Every 2 years | 120,000 |
| Eye Test Subject to Optical Limit | 1 Eye Test Every 24 months |
| Funeral Benefit | 150,000 |
KEY
*E = Enrolment Required
*P = Pre-Authorisation Required
*R = Referral by GP or Specialist required
*D = Donor not covered
