MediSave Option

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
MAIN Acturials to come-up with premiums  
*E Enrolment Required
*P Pre-Authorization Required
*R Referral by GP or Specialist Required
*D Donor not Covered