CarePlus Option

Inpatient Benefits CarePlus (MWK)
Inpatient (IP) Limit 5,200,000
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) 2,500,000
Oncology Subject to MDB per benefiary p.a. 1,460,000
Organ Transplants *D Subject to MDB per beneficiary p.a. 1,250,000
Chronic Dialysis Subject to MDB per beneficiary p.a. 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 One Additional MRI/CT Scan 30% co-pay
Maxillofacial Surgery 1,245,000
Maternity (Delivery including postpartum and neonatal care) 1,245,000
Internal and external prosthesis 291,000
Medical Appliances 40,300
Psychiatric hospitalisations 7 days p.a.
Sub-Acute Care 100,000
Ambulance Services 100,000
Emergency Air/Cross-Border Evacuation and Foreign Referral Not covered
Repatriation of Mortal Remains Not covered
Emergency Foreign cover Not covered



Outpatient Benefits
CarePlus (MWK)
Outpatient (OP) Limit 244,400
Consultations Limit 58,500
Specialist Consultations on Referral 1 Visit
Antenatal and Postnatal Benefit *E Covered
Antenatal & postnatal Consultations 4 Visits
Ultrasounds 2 Scans
Pathology 2 Full Blood Counts; VDRL; Urinalysis; HIV-Ag Test
Procedures 104,000
Pathology (Subject to Procedures Limit) 52,000
Radiology (Subject to Procedures Limit) 55,000
HIV / AIDS Benefit *E Anti-retroviral therapy Pathology Tests Covered according 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
Chronic Medicines *E 91,000
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



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




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