For skilled personnel this scheme bridges the gap between the upmarket and lower schemes.
Covers 10 days per illness in private hospitals (Three bedded ward) for all surgery. After 10 days member pays 50% of the bill and MASCA accepts the other 50% of the bill provided a specialist has appealed for longer admittance because of the patient’s serious condition. The absolute annual benefit cannot be exceeded.
Covers hospitalization in public hospitals and municipal clinics in full up to the annual award.
Payments to all providers of services in terms of the US Dollar tariff however shortfalls are possible on specialists and anaesthetics claims. One MRI scan per year is awarded plus allergy tests on pre-authorization. Accepts routine pathology, X-Rays, ultrasound scans and allergy tests on pre-authorization (appeal from specialist).
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.
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, appliances, nebulizers, colostomy bags 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.