The Principal Family Scheme is tailored for young couples planning to start or grow their families, offering extensive maternity and family-focused healthcare benefits. With USD-based tariffs and a wide range of services, this scheme ensures peace of mind for parents-to-be.

Key Features and Benefits:

• Comprehensive Maternity Coverage:

  • Full coverage for maternity care, including ante-natal, post-natal, and delivery services.
  • Payments for all services are based on US Dollar tariffs, with potential shortfalls on specialists and anesthetist claims.

• Hospitalization Benefits:

  • Free choice of private hospitals with accommodation in a two-bedded ward for all surgeries.
  • Public hospitals are covered in full.
  • Extended hospitalization beyond 10 days requires prior authorization from MASCA, based on 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 paying 10% to the pharmacist, up to the annual limits.
  • 75% coverage for cancer medications and other high-cost essential treatments with pre-authorization, within annual benefit limits.

• International and Emergency Referrals:

  • Specialist-recommended treatments outside Zimbabwe are considered on merit with prior MASCA approval.
  • Emergency road or air evacuations to the nearest referral center (Harare) are covered within specific limits.

• Grant-In-Aid Benefits:
  Coverage includes dental, optical, nebulizers, and other essential appliances, subject to specific limits.

• Worldwide Holiday Travel Benefits:

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

The Principal Family Scheme provides young families with comprehensive healthcare tailored to their unique needs, ensuring peace of mind during life’s most important milestones.