For senior executives with chronic conditions like diabetes, kidney dialysis, heart disease, cholesterol etc. Comprehensive cover under generous annual limit for chronic and acute drugs. MASCA pays 90% and patient pays 10% to the pharmacist for acute and chronic drugs up to the two separate annual drug benefit limits. MASCA pays 75% for cancer drugs and other medical categories deemed by the society to be essential and high cost items on pre-authorisation limited by the absolute annual award. Any shortfalls can be claimed at 50% from PAYE.
Payments to all providers of services in terms of the US Dollar tariff; shortfalls are possible on specialist, and anaesthetists as claims are in excess of Zimbabwe tariffs. Free choice of private practitioners and specialists for MRI scans, pathology, radiology and other diagnostic procedures with MASCA approval.
Referrals outside Zimbabwe by specialist medical practitioners are considered on merit provided prior approval from MASCA is obtained. MASCA pays direct to the foreign medical practitioners in US Dollars or refunds the member in US Dollars on production of receipted accounts and in terms of the applicable tariffs.
Emergency evacuations by road or air to the nearest referral center (Harare) accepted to specific limit only. Grant In Aid benefits like dental, optical, nebulizers and other appliances accepted up to the specific limits. (See page 15 for these special benefits) 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.