Umoyo Scheme

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GP Consultations: 100% up to MK150,000.00 Limit per annum
Specialist consultations: 100% up to MK200,000.00 limit per annum, subject to referal and 6 months wait period
Maternity - normal delivery: 100% subject to Overall Annual Limit and 12 months wait period, limited to 5 antenatal and 2 postnatal visits. One birth every 2 years.
Caesarian section: 70% cover, pre-authorization required, subject to Overall Annual Limit and 12 months wait period, limted to 5 antenatal and 2 postnatal visits. One birth every 2 years.
Major procedures: 100% up to maximum annual limit, 6 mopnths waiting period
Pathlogy: 100% up to limit of MK150,000.00 per annum
Radiology: 100% MK150,000.00 limit per annum, subject 12 month wait period
Specialized radiology: 100% up to limit of MK500,000.00 per annum, 6 months wait period and pre-authorization required.
General dentistry: 100% up to limit of MK150,000.00 per annum
Specialized dentistry: 100% up to limit of MK250,000.000 per annum, 6 months wait period and pre-authorization requirerd
Chronic generic drugs: 100% MK500,000.00 limit per annum, subject 12 month wait period.
Chronic branded drugs: 70% up to chronic limit above
Accute medicines(NBB/ NGD, OTCS, VAC): 100% subject to Overall Annual Limit
Optital - Frames and lenses: 100% up to MK80,000.00 limit per annum subject to pre-authorization and 12 month wait period.
Eye test: 100% subject to annual optical limit
Services(Physiotherapy to include Occupational therapy): MK250,000.00 limit per annum subject to pre-authorization and 12 month wait period
Hospitalisation(medical and surgical wards): 100% subject to 6 month wait period and Overall Annual Limit, pre-authorization required
Oncology treatment: 100% up to MK2,500,000.00 limit per annum subject to 12 month wait period
Foreign treatment(worldwide): Nil
Emergency air evacuation: Nil
Emergency road evacuation: 100% up to MK300,000.00 limit per annum subject to pre-authorization
Funeral benefit: MK150,000.00 subject to 2 years wait period
Blood transfusion: 100% up to maximum annual limit
Dialysis: 100% up to MK1,000,000.00 limit per annum, subject to pre-authorization and 12 month wait period
Hearing Aids(Once every 5 years): MK75,000.00 limit per annum subject to pre-authorization and 12 month wait period.
Organ transplant: Nil
Orthopaedic Procedures: 100% up to MK1,500,000.00 limit per annum subject to 6 month wait
Appliances(clutches, prothesis): Mk100,000.00 limit per annum subject to 6 month wait period
COVID-19: Nil


For more information about our premiums, please contact 0888 610 531