MediSave is ideal for members who want a little more than just basic health care cover. The option allows members to experience a little bit of what members under PremiumCare and MediPlus experience at the fraction of the cost. With air-cross boarder evacuations and foreign referrals as part of the package, members are able to avoid large financial constraints should the need to be referred ever arise.
| Overall Annual Limit | 9,500,000 |
| 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) | 4,850,000 |
| Oncology Subject to MDB per beneficiary p.a. | 2,500,000 |
| Organ Transplants *D Subject to MDB per beneficiary p.a. | 2,150,000 |
| Chronic Benefit *R | 2,150,000 |
| Motor Vehicle Accident subject to MDB | 2,150,000 |
| Physiotherapy *R per beneficiary p.a. | 250,000 |
| Medicines to take home (TTO) | 23,400 |
| Radiology and Pathology | 149,500 |
| Specialised Radiology | 1 ; Additional MRI/CT Scan 30% co-pay |
| Maxillofacial Surgery | 2,200,000 |
| Maternity (Delivery including postpartum & Neonatal Care) | 3,000,000 |
| Internal and external prosthesis | 800,000 |
| Medical Appliances | 80,000 |
| Psychiatric hospitalisations | 10 DAYS P.A |
| Sub-Acute Care | Subject to Overall Annual Limit |
| Ambulance Services | 200,000 per event |
| Emergency Air/Cross-Border Evacuation & Foreign Referal | Foreign Referral treatment only |
| Repatriation of Mortal Remains | Not covered |
| Emergency Foreign cover | Not covered |
| Out Patient Services | |
| Consultations Limit | 94,000 |
| 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 | 130,000 |
| Pathology and Radiology (Subject to Procedures Limit) | 127,000 |
| HIV/AIDS Benefit *E Anti-Retroviral Therapy and 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 | 250,000 |
| Acute Medicines | 105,000 |
| Optometry (Lens and Frame)- Every 2 years | 85,000 |
| Eye Test Subject to Optical Limit | 1 Eye Test Every 24 months |
| Funeral Benefit | 100,000 |
| PREMIUMS | |
| MAIN | Acturials to come-up with premiums |
| ADULT | |
| CHILD | |
| KEY | |
| *E | Enrolment Required |
| *P | Pre-Authorization Required |
| *R | Referral by GP or Specialist Required |
| *D | Donor not Covered |
