CarePlus is the option for members who are looking for basic health cover. The option caters to the basic health necessities for members which includes, dentistry, optometry, and inpatient and outpatient services. This option plan is ideal for members living in the outskirts of the city frequently travel to Malawi’s major cities and towns. It provides a good network of service providers in the town fringes and gives members the option to visit select few service providers within the cities should the need arise.
| Overall Annual Limit | 5,300,000 |
| Hospitalisation (General medical and surgical wards including Ward and Theatre medicines) | Subject to Overall Annual Limit |
| High Care and ICU | Subject to Overall Annual Limit |
| Specialists and General Practitioners | Subject to Overall Annual Limit |
| Theatre Costs | Subject to Overall Annual Limit |
| Blood Transfusion | Subject to Overall Annual Limit |
| Major Disease Benefit (MDB) | 2,625,000 |
| Oncology Subject to MDB per beneficiary p.a. | 1,460,000 |
| Organ Transplants *D Subject to MDB per beneficiary p.a. | 1,312,500 |
| Chronic Benefit *R | 1,250,000 |
| Motor Vehicle Accident subject to MDB | 1,250,000 |
| Physiotherapy *R per beneficiary p.a. | 130,000 |
| Medicines to take home (TTO) | 23,400 |
| Radiology and Pathology | 123,500 |
| Specialised Radiology | 1 ; Additional MRI/CT Scan 30% co-pay |
| Maxillofacial Surgery | 1,245,000 |
| Maternity (Delivery including postpartum & Neonatal Care) | 1,245,000 |
| Internal and external prosthesis | 291,000 |
| Medical Appliances | 40,300 |
| Psychiatric hospitalisations | 10 DAYS P.A |
| Sub-Acute Care | 100,000 |
| Ambulance Services | 100,000 per event |
| Emergency Air/Cross-Border Evacuation & Foreign Referal | Not covered |
| Repatriation of Mortal Remains | Not covered |
| Emergency Foreign cover | Not covered |
| Out Patient Services | |
| Consultations Limit | 58,500 |
| Specialists Consultations on Referral | 1 Visit |
| Antenatal and Postnatal Benefit *E | Covered |
| Antenatal and Postnatal Consultations | 8 Visits |
| Antenatal Ultrasounds | 2 Scans |
| Antenatal Pathology | Hepatitis B, Blood Group and RH, Blood Sugar, 2 Full Blood Count; VDRL; 4 Urinalysis; HIV-Ag Test |
| Procedures | 110,000 |
| Pathology and Radiology (Subject to Procedures Limit) | 109,600 |
| HIV/AIDS Benefit *E Anti-Retroviral Therapy and Pathology Tests | Covered accordingly to Malawi HIV Policy |
| Basic Dentistry | 80,000 |
| Specialised Dentistry and Orthodontics *P | 160,000 |
| Physiotherapy *R | Not Covered |
| Auxiliary Services *R | Not Covered |
| Acute Medicines | 79,300 |
| Optometry (Lens and Frame)- Every 2 years | 55,000 |
| Eye Test Subject to Optical Limit | 1 Eye Test Every 24 months |
| Funeral Benefit | 60,000 |
| PREMIUMS | |
| MAIN | 10,320 |
| ADULT | 10,320 |
| CHILD | 9,600 |
| KEY | |
| *E | Enrolment Required |
| *P | Pre-Authorization Required |
| *R | Referral by GP or Specialist Required |
| *D | Donor not Covered |
