PremiumCare is an option plan for members who want more than assurance in their health coverage. The plan allows members to have peace of mind with 150 million kwacha in-patient limit. The plan is ideal for members who frequently travel or who wish to ensure that come what may, they will be covered for any medical emergency.
| Overall Annual Limit | 150,000,000 |
| 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) | 18,750,000 |
| Oncology Subject to MDB per beneficiary p.a. | 7,000,000 |
| Organ Transplants *D Subject to MDB per beneficiary p.a. | 6,500,000 |
| Chronic Benefit *R | 6,500,000 |
| Motor Vehicle Accident subject to MDB | 6,500,000 |
| Physiotherapy *R per beneficiary p.a. | 344,500 |
| Medicines to take home (TTO) | 32,500 |
| Radiology and Pathology | 370,000 |
| Specialised Radiology | 2 Additional MRI/CT Scan |
| Maxillofacial Surgery | 6,500,000 |
| Maternity (Delivery including postpartum & Neonatal Care) | 15,000,000 |
| Internal and external prosthesis | 4,200,000 |
| Medical Appliances | 200,000 |
| Psychiatric hospitalisations | 15 DAYS P.A |
| Sub-Acute Care | Subject to Overall Annual Limit |
| Ambulance Services | 350,000 |
| Emergency Air/Cross-Border Evacuation & Foreign Referal | Subject to Overall Annual Limit |
| Repatriation of Mortal Remains | 1,500,000 |
| Emergency Foreign cover | 160,000 |
| Out Patient Services | |
| Consultations Limit | 200,000 |
| Specialists Consultations on Referral | 4 Visits |
| 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 | 390,000 |
| Pathology and Radiology (Subject to Procedures Limit) | 350,000 |
| HIV/AIDS Benefit *E Anti-Retroviral Therapy and Pathology Tests | Covered according to Malawi HIV Policy |
| Basic Dentistry | 205,700 |
| Specialised Dentistry and Orthodontics *P | 341,000 |
| Physiotherapy *R | Subject to Auxiliary limit |
| Auxiliary Services *R | 278,000 |
| Acute Medicines | 195,500 |
| Optometry (Lens and Frame)- Every 2 years | 180,000 |
| Eye Test Subject to Optical Limit | 1 Eye Test Every 24 months |
| Funeral Benefit | 500,000 |
| 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 |
