The Principal Basic Scheme is designed for middle management personnel, offering exceptional value with comprehensive benefits and generous annual limits in US Dollars. This plan ensures access to essential healthcare services with a focus on affordability and quality.

Key Features and Benefits:

• Comprehensive Coverage with Modest Contributions:

  • Extensive benefits tailored for middle management, offering great value for affordable contributions.
  • Payments for services are based on USD tariffs, with potential shortfalls on specialist and anesthetist claims due to charges exceeding tariffs.

• Hospitalization Benefits:

  • Free choice of private hospitals with accommodation in a two-bedded ward for surgeries.
  • Full coverage at public hospitals.
  • Hospital stays exceeding 10 days require prior authorization from MASCA upon a specialist’s appeal.

• Specialist and Diagnostic Services:

  • Access to private specialists for MRI scans, pathology, radiology, and other diagnostic procedures, subject to MASCA approval.

• Prescription Drug Coverage:

  • 90% coverage for acute and chronic medications, with members contributing 10% at the pharmacy, within two separate annual benefit limits.
  • 75% coverage for cancer treatments and high-cost essential items with pre-authorization, subject to annual limits.

• International and Emergency Referrals:

  • Specialist-recommended treatments outside Zimbabwe are considered on merit, requiring prior MASCA approval.
  • Direct USD payments to foreign practitioners or refunds based on receipted accounts, adhering to annual cover limits.
  • Emergency road or air evacuations to the nearest referral center (Harare) covered within specified limits.

• Grant-In-Aid Benefits:

  • Coverage includes dental, optical, nebulizers, appliances, colostomy bags, and more, up to annual limits.

• Worldwide Travel Benefits:

  • Emergency medical coverage during holiday travel is available through MASCA’s contracted travel agents.
  • Refunds for minor injuries and ailments are processed upon submission of receipted accounts.

The Principal Basic Scheme provides middle management professionals with affordable, reliable healthcare coverage, ensuring access to quality services for both routine and critical needs.