For middle management personnel; best value for modest contributions. Comprehensive benefit cover under generous annual limits in US Dollars Payments to all providers of services in terms of tariff; shortfalls are experienced on specialist and anaesthetics claims as charges are in excess of tariff.
Free choice of private hospital in a two bedded ward for all surgery. Public hospitals paid in full. Appeal by specialist for hospitalisation over 10 days must have prior authority from MASCA.
Free choice of private specialists for MRI scans and other practitioners for pathology, radiology and other diagnostic procedures on approval by MASCA.
MASCA pays 90% for acute and chronic drugs and member pays 10% to the pharmacist up to the two separate annual drug benefit limits. MASCA pays 75% for cancer drugs and other categories deemed by the society to be essential and high cost items on pre-authorization limited to the absolute annual award.
Referrals outside Zimbabwe by specialist medical practitioners are considered on merit provided prior approval from MASCA is obtained on appeal from specialist. MASCA pays direct to all practitioners and providers of services in US Dollars but the annual absolute cover is the strict limit.
Emergency evacuations by road or air to the nearest referral centre (Harare) accepted up to the specific limit only.
Grant In Aid benefits like dental, optical, appliances, nebulizers, colostomy bags etc accepted up to the annual limits.
Holiday travel worldwide through a contracted travel agent is available for emergency conditions. Costs incurred for minor injuries & ailments are refunded by MASCA on presentation of receipted accounts.