MediCare Option

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



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





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