For semi skilled workers at minimal affordable contribution rates.
Covers basic day to day primary health care with one’s selected private doctor and drugs so prescribed. MASCA pays 90% for acute and chronic drugs and the 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-authorisation limited by the absolute annual benefit.
Provision for private hospital admissions up to four days in a general ward and after four days at 50% of the hospital bill is paid by MASCA and 50% by the patient. The specialist must appeal for extended hospitalization and get pre-authorization by MASCA for critical cases that cannot be moved to a public hospital.
Public hospitals and municipal clinics paid in full up to the annual award. Routine diagnostic procedures for X-rays, ultrasound scans, pathology, etc but no MRI scans and allergy tests are allowed.
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, nebulizers and other appliances etc accepted up to the specific 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.