COMBO PACKAGE (WORLDWIDE)

  • Executive Scheme
  • Unlimited and free choice of hospitals and specialist practitioners anywhere in Sub-Saharan Africa; includes surgery, anaesthetics, scans and pathology and other diagnostic procedures.
  • No shortfalls – payments made in full.
  • Emergency evacuations by chartered flight paid in full.
  • Travel Worldwide for a modest contribution; includes repatriation.

 

SUPERMASCA SCHEME (ZIMBABWE)

  • Top of the range scheme for Zimbabwe Executives.
  • Comprehensive cover under generous annual limit.
  • Payments to All Providers of services in terms of tariff; shortfalls are possible.
  • Free choice of Private Hospitals in Private Wards for all surgery (Public hospital paid in full).
  • Free choice of Private practitioners and specialists for MRI scans, pathology and other diagnostic procedures.
  • Medical Aid pays 90% for acute and chronic drugs up to the two separate annual drug benefit limits and 75% for cancer drugs and other conditions deemed by the society as essential and high cost on pre-authorisation limited by the absolute annual benefit.
  • Referrals outside Zimbabwe by specialist medical practitioners are considered on merit provided prior approval from MASCA is obtained. Member pays up front initially and submits receipted accounts to Masca for a refund up to annual limit.
  • Emergency Evacuations by Road or Air to the nearest referral centre, accepted to specific limit.
  • Grant-in-Aid benefits like dental, optical, appliances accepted up to the specific limits published.
  • Holiday Travel Worldwide through a contracted travel agent is available.

 

PRINCIPAL CHRONIC SCHEME

  • For Senior Executives with chronic conditions like diabetes, dialysis etc.
  • Comprehensive cover under generous annual limit for chronic drugs. Medical Aid pays 90% for acute and chronic drugs up to the two separate annual drug benefit limits and 75% for cancer drugs and other conditions deemed by the society as essential and high cost on pre-authorisation limited by the absolute annual benefit.
  • Payments to All Providers of services in terms of tariff; shortfalls are possible.
  • Free choice of Private hospital in a two bedded ward for all surgery.  Public hospitals paid in full.
  • Free choice of Private practitioners and specialists for MRI scans, pathology and other diagnostic procedures.
  • Acute drugs accepted to annual limits. 10% co-payment met by patient.
  • Referrals outside Zimbabwe by specialist medical practitioners are considered on merit provided prior approval from MASCA is obtained. Member pays up front initially and submits receipted accounts to Masca for a refund up to annual limit.
  • Emergency Evacuations by Road or Air to the nearest referral centre, accepted to specific limit.
  • Grant-in-Aid benefits like dental, optical, appliances accepted up to the specific limits.
  • Holiday Travel Worldwide through a contracted travel agent is available.

 

PRINCIPAL FAMILY SCHEME

  • For those young married couples who want to plan for a family.
  • Comprehensive cover for maternity benefits ante/postnatal/deliveries.
  • Payments to All Providers of services in terms of tariff; shortfalls are possible.
  • Free choice of Private hospital in a two bedded ward for all surgery.  Public hospitals paid in full.
  • Free choice of Private practitioners and specialists for MRI scans, pathology and other diagnostic procedures.
  • Medical Aid pays 90% for acute and chronic drugs up to the two separate annual drug benefit limits and 75% for cancer drugs and other conditions deemed by the society as essential and high cost on pre-authorisation limited by the absolute annual benefit.
  • Referrals outside Zimbabwe by specialist medical practitioners are considered on merit provided prior approval from MASCA is obtained. Member pays up front initially and submits receipted accounts to Masca for a refund up to annual limit.
  • Emergency Evacuations by Road or Air to the nearest referral Centre, accepted up to the specific limit.
  • Grant-in-Aid benefits like dental, optical, appliances accepted up to the specific limits.
  • Holiday Travel Worldwide through a contracted travel agent is available.

 

PRINCIPAL BASIC SCHEME

  • For Middle Management personnel; best value for modest contributions.
  • Comprehensive cover under generous annual limit.
  • Payments to All Providers of services in terms of tariff; shortfalls are possible.
  • Free choice of Private hospital in a two bedded ward for all surgery.  Public hospitals paid in full.
  • Free choice of Private practitioners and specialists for MRI scans, pathology and other diagnostic procedures.
  • Medical Aid pays 90% for acute and chronic drugs up to the two separate annual drug benefit limits  and 75% for cancer drugs and other conditions deemed by the society as essential and high cost on pre-authorisation limited by the absolute annual benefit.
  • Referrals outside Zimbabwe by specialist medical practitioners are considered on merit provided prior approval from MASCA is obtained. Member pays up front initially and submits receipted accounts to Masca for a refund up to annual limit.
  • Emergency Evacuations by Road or Air to the nearest referral centre, accepted up to the specific limit.
  • Grant-in-Aid benefits like dental, optical, appliances accepted up to the annual limits.
  • Holiday Travel Worldwide through a contracted travel agent is available.

STANDARD SCHEME

  • For Skilled Personnel this scheme bridges the gap between the upmarket and lower schemes.
  • Covers 7 days per illness in Private hospitals (Three bedded ward) for all surgery.
  • Covers hospitalization in public hospitals and municipal clinics up to the annual award.
  • Payments to all providers of service in terms of the tariff however shortfalls are possible.
  • Accepts routine pathology, x-rays etc but no MRI scans and allergy tests.
  • Medical Aid pays 90% for acute and chronic drugs up to the two separate annual drug benefit limits  and 75% for cancer drugs and other conditions deemed by the society as essential and high cost on pre-authorisation limited by the absolute annual benefit.
  • Emergency Evacuations by Road or Air to the nearest referral centre, accepted up to the specific limit.
  • Grant-in-Aid benefits like dental, optical, appliances accepted up to the specific limits.
  • Holiday Travel Worldwide through a contracted travel agent is available.

SELECT SCHEME

  • For Semi-skilled personnel at an affordable price.
  • Covers basic day to day primary health care with one’s selected private doctor and drugs so prescribed. Medical Aid pays 90% for acute and chronic drugs up to the two separate annual drug benefit limits, 75% for cancer drugs and other conditions deemed by the society as essential and high cost on pre-authorisation limited by the absolute annual benefit.
  • Provision for Private Hospital admissions in general ward at 50% of the tariff. Patient pays the other 50% direct to the hospital. However this is by referral from the public facility and pre-authorisation by MASCA.
  • Public hospitals and municipal clinics paid in full up to the annual award.
  • Routine diagnostic procedures for x-rays, pathology etc, but no MRI scans and allergy tests.
  • Emergency Evacuations by Road or Air to the nearest referral centre, accepted to the specific limit.
  • Grant-in-Aid benefits like dental, optical, appliances accepted up to the specific limits.
  • Holiday Travel Worldwide through a contracted travel agent is available.

HOSPITAL & CLINIC SCHEME

  • For Semi Skilled Workers at minimal affordable price.
  • Covers basic day to day primary health care with one’s selected private doctor and drugs so prescribed. Medical Aid pays 90% for acute and chronic drugs up to the two separate annual drug benefit limits and 75% for cancer drugs and other conditions deemed by the society as essential and high cost on pre-authorisation limited by the absolute annual benefit.
  • Provision for Private Hospital admissions in general ward at 50% of the tariff. Patient pays the other 50% direct to the hospital. However this is by referral from the public facility and pre-authorisation by MASCA.
  • Public hospitals and municipal clinics paid in full up to the annual award.
  • Routine diagnostic procedures for x-rays, pathology etc, but no MRI scans and allergy tests.
  • Emergency Evacuations by Road or Air to the nearest referral centre, accepted up to the specific limit.
  • Grant-in-Aid benefits like dental, optical, appliances accepted up to the specific limits.
  • Holiday Worldwide Travel through a contacted travel agent is available.

STUDENT PLANS

  • Tailor made for students both local and foreigners at affordable prices.
  • Peace of mind whilst studying.
  • Covers basic day to day primary health care with one’s selected private doctor and drugs so prescribed. Medical Aid pays 90% for acute and chronic drugs up to the two separate annual drug benefit limits and 75% for cancer drugs and other conditions deemed by the society as essential and high cost on pre-authorisation limited by the absolute annual benefit.
  • Covers Public Hospitals and municipal clinics up to annual limit.
  • Covers specialists in Public Hospitals and municipal clinics in full, up to specific limit.
  • Provision for Private Hospital admissions in general ward at 50% of the tariff. Patient pays the other 50% direct to the hospital. However this is by referral from the public facility and pre-authorisation by MASCA.
  • Emergency Evacuations by Road or Air to a referral centre, accepted to specific limit.
  • Grant-in-Aid benefits like dental, optical, appliances accepted to specific limits.
  • Holiday Worldwide Travel through a contacted travel agent is available.