Principal Chronic Scheme:
Comprehensive Healthcare for Senior Executives with Chronic Conditions
The Principal Chronic Scheme is a premium healthcare plan designed to meet the unique medical needs of senior executives managing chronic conditions like diabetes, kidney disease, heart ailments, and more. With extensive benefits and USD-based tariffs, this scheme ensures high-quality care both locally and internationally.
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Key Features and Benefits:
Chronic and Acute Drug Coverage:
- MASCA covers 90% of acute and chronic drug costs, with members contributing only 10% at the pharmacy.
- Coverage includes separate annual limits for acute and chronic medications.
- Cancer and high-cost essential treatments are covered at 75% with pre-authorization, subject to the annual benefit limits.
- Shortfalls can be reclaimed at 50% from PAYE.
01
Global USD-Based Payments:
- Payments to service providers are aligned with US Dollar tariffs, ensuring access to high-quality medical services.
- Free choice of private practitioners and specialists for diagnostics such as MRI scans, pathology, and radiology, with MASCA approval.
- Shortfalls for specialists or anesthetists may occur due to claims exceeding Zimbabwean tariffs.
02
International Referrals:
- Specialist-recommended treatments outside Zimbabwe are considered on merit, subject to MASCA’s prior approval.
- MASCA makes direct USD payments to foreign service providers or refunds members upon submission of receipted accounts, within applicable tariffs.
03
Emergency Medical Evacuations:
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- Road or air evacuations to the nearest referral center in Harare are covered within specified limits, ensuring prompt access to critical care.
04
Grant-In-Aid Benefits:
- Coverage for dental, optical, nebulizers, and other essential appliances is provided up to specific limits.
05
Worldwide Holiday Travel Coverage:
- Emergency medical expenses incurred during travel are covered through MASCA’s contracted travel agents.
