The Hospital & Clinic Scheme is tailored for semi-skilled workers, offering reliable healthcare coverage at minimal contribution rates. This plan ensures access to essential primary care, hospital services, and emergency support, providing value and peace of mind.

Key Features and Benefits:

• Primary Healthcare and Prescription Drug Coverage:

  • Comprehensive day-to-day primary healthcare with access to your chosen private doctor.
  • MASCA covers 90% of acute and chronic drug costs, with members contributing 10% at the pharmacy, up to the two separate annual drug benefit limits.
  • 75% coverage for cancer drugs and high-cost essential treatments, with pre-authorization, within annual limits.

• Hospitalization Benefits:

  • Coverage for up to four days in private hospitals (general ward).
  • For stays exceeding four days, MASCA covers 50% of the bill, while the patient pays the remaining 50%.
  • Extended hospitalization for critical cases requires a specialist’s appeal and MASCA pre-authorization if the patient cannot be transferred to a public hospital.
  • Full coverage for public hospital and municipal clinic admissions up to the annual award.

• Diagnostic and Routine Procedures:

  • Coverage includes routine diagnostic procedures such as X-rays, ultrasound scans, and pathology tests.
  • MRI scans and allergy tests are excluded.

• Emergency and Evacuation Services:

  • Emergency evacuations by road or air to the nearest referral center (Harare) are covered within specific limits.

• Grant-In-Aid Benefits:

  • Coverage for dental, optical, nebulizers, and other essential appliances is available up to specific limits.

• Worldwide Holiday Travel Coverage:

  • Emergency medical assistance during holiday travel is facilitated through MASCA’s contracted travel agents.
  • Reimbursement for minor injuries or ailments is available upon submission of receipted accounts.

The Hospital & Clinic Scheme offers semi-skilled workers affordable access to essential healthcare, ensuring well-rounded protection for routine and emergency needs.