+265 (0) 111 62 46 66 | 
unimed@unima.mw 
Eligibility:
- Senior members of staff and their dependents (spouse, biological or adopted children) of UNIMA, LUANAR, MUBAS and KUHeS.
- LUANAR postgraduate students.
Waiting Period:
- 12 month waiting period for maternity services (antenatal, delivery, postnatal) will be imposed on all dependents who join the scheme later than the principal member.
| BENEFIT CATEGORY | BENEFITS (2024 – 2025) |
|---|---|
| External Hospitals | – 75% cover of the treatment and travelling cost. – To be paid directly by UNIMED to the service provider. – UNIMED highly recommends hospitals in India, RSA and Kenya. – Only on referral from Malawi by a specialist in the field. – Requires UNIMED preauthorization. |
| Acute pharmacy medication | – 85%* cover in UNIMED accredited service providers. Subject to the overall annual limit. |
| Chronic pharmacy medication | – 85%* cover in UNIMED accredited service providers. Subject to the overall annual limit. UNIMED will allow a monthly supply of drugs |
| Minor Procedures | – 100% in Government and CHAM hospitals and 85%* in Private hospitals subject to the overall annual limit. |
| Optical Benefits | – 1 eye test every 24 months. – Frames and Lenses – K200,000.00 once every 24 months. – UNIMED pre-authorization required. |
| Maternity services: Antenatal, delivery and Postnatal | – 100% cover in Government, and CHAM hospitals. – 85%* cover in private hospitals. – Benefit subject to the overall annual limit. – Covered once every 3 years. – UNIMED pre-authorization required. |
| General Dentistry: Cleaning, extraction, filling, denture placement | – 85%* cover. – Subject to the overall annual limit – Check-up/Cleaning limited to once every 6 months. |
| Specialized Dentistry: Inlays, crowns, root implants and bridges. | – Covered at a maximum of K500,000.00 per annum – NIMED pre-authorization required |
| Specialized Dentistry: Orthodontics | – Covered at a maximum of K1,000,000.00 per annum – UNIMED pre-authorization required. |
Audiology | – Hearing aids covered once every four years. – Subject to a limit of MK1,000,000.00. – UNIMED pre-authorisation required |
| Physiotherapy | – 100% cover in Government and CHAM hospitals. – 85% cover in private hospitals. – UNIMED pre-authorisation required |
| Psychiatry | – 100% * cover. – Subject to the overall annual limit. |
| Medical Check-ups | – 50% cover once per annum. – UNIMED pre-authorization required. |
| Medical Examinations | – Subject to an annual limit of K100,000.00. – For Education purposes only. – UNIMED pre-authorization required. |
| All hospital admissions and procedures | – 100% cover in Government hospitals and CHAM hospitals, subject to the overall annual limit. – 85%* cover in private hospitals subject to the overall annual limit. – Cover limited to general wards for admissions and procedures in private hospitals. – UNIMED pre-authorisation required. |
Note:
* UNIMED offers 85% cover in selected private hospitals and 100% in CHAM and government hospitals. Please refer to the approved list of service providers.
Chronic conditions are diseases such as Diabetes, Hypertension and Peptic ulcers.
Please refer to UNIMED Exclusions.