STUDENT COVER

BENEFIT CATEGORY	BENEFITS (2024 – 2025)
External Hospitals	– Not Covered.
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% cover in UNIMED designated service providers. Subject to the overall annual limit.
Optical Benefits	– 1 eye test every 24 months. – Frames and Lenses – K30,000.00 once every 24 months. – UNIMED pre-authorisation required.
General Dentistry: Cleaning, extraction, filling, denture placement	– 50% cover in Government and CHAM hospitals. Subject to the overall annual limit. – Check-up limited to once every 6 months.
Specialized Dentistry	– Not covered
Physiotherapy	– 100% cover in Government and CHAM hospitals. Subject to the overall annual limit.
Psychiatry	– 100% * cover. Subject to the overall annual limit.
Medical Examinations	– Subject to the annual limit of K8,000.00 – Once during the period of study. – For foreign education visit purposes only. – UNIMED preauthorization required.
All hospital admissions and major procedures	– 100% cover in Government and CHAM hospitals subject to the overall annual limit. – UNIMED pre-authorization required.
Maternity: Antenatal	– 100% in UNIMED designated service providers. Subject to the overall annual limit. – Covered once during the period of study. – UNIMED pre-authorisation required.
Maternity: Delivery and Postnatal	– Not covered.
Audiology	– Hearing aids covered once every four years. – Subject to a limit of MK200,000.00. – UNIMED pre-authorisation required.
Medical check-ups	– Not Covered

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.