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 CATEGORYBENEFITS (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.