How do students register for UNIMED cover?

UNIMED visits universities during the first semester for student registration. Students who miss registration can visit the UNIMED office with a valid student identification card.

Do I need pre-authorization for all treatments?

Not every treatment needs pre-authorization, but specialist services, admissions, procedures, maternity care, optical benefits and high-value services normally require approval from UNIMED before treatment.

What is the annual limit for this cover?

Annual limits depend on the benefit category and hospital type. Review the benefit schedule for the selected cover or contact UNIMED for guidance.

Which hospitals are covered under this scheme?

Members can access accredited Government, CHAM and private hospitals according to the rules of their cover. The latest provider list is available on the Service Providers page.

Student Cover

Home Schemes / CoversStudent Cover

Eligibility

Bonafide undergraduate students

For all bonafide undergraduate students of UNIMA, LUANAR, MUBAS and KUHeS.

Waiting Period

Academic Year Cover

Student cover follows the academic registration cycle.

Annual Limit

Student benefit limits apply

Depending on benefit category and hospital type.

Cover Type / Hospitals

University clinics and accredited providers

Review the latest provider list before accessing services.

Benefits (2026 - 2027)

Benefit Category	Benefit Details
External Hospitals	75% cover of the treatment and travelling cost. UNIMED highly recommends hospitals in India, RSA and Kenya. Requires UNIMED pre-authorization. To be paid directly by UNIMED to the service provider. Only on referral from Malawi by a specialist.
Acute pharmacy medication	Cover in UNIMED accredited service providers. Subject to the overall annual limit.
Chronic pharmacy medication	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. 85% in private hospitals subject to the overall annual limit.
Optical Benefits	One eye test every 24 months. Frames and lenses are covered once every 24 months. UNIMED pre-authorization required.
Maternity services: Antenatal, delivery and Postnatal	Cover in Government and CHAM hospitals. 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	Cover. Subject to the overall annual limit. Check-up or 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. UNIMED pre-authorization required.
Specialized Dentistry: Orthodontics	Covered at a maximum of K1,000,000.00 per annum. UNIMED pre-authorization required.
Audiology	Hearing aids are covered once every four years. Subject to a limit of MK1,000,000.00. UNIMED pre-authorization required.
Physiotherapy	Cover in Government and CHAM hospitals. Cover in private hospitals. UNIMED pre-authorization required.
Psychiatry	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	Cover in Government hospitals and CHAM hospitals, subject to the overall annual limit. Cover in private hospitals subject to the overall annual limit. Cover limited to general wards for admissions and procedures in private hospitals. UNIMED pre-authorization 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 include diseases such as diabetes, hypertension and peptic ulcers.
Please refer to UNIMED exclusions.

Need help choosing a cover?

Our team is here to help you understand eligibility, benefits and provider access for Student Cover.

Download Full Benefit Schedule View Service Providers

Frequently Asked Questions

Applicable institutions include UNIMA, LUANAR, MUBAS, KUHeS.