3
2023
FIRST CHOICE
CONTENTS
Membership 4
Contributions 6
Option Changes 7
MSA (Medical Savings Account) 7
Benefits 8
Claiming 11
Pre-authorisation 13
Medical Emergencies 14
Medication 15
PMB Chronic Conditions and Medication 16
Additional Chronic Disease List 19
Disease Management and Wellness Programmes 20
Optical Benefit 22
Third Party Claims 23
Exclusions and Limitations 24
Wellness and Loyalty Programme 25
Complaints and Disputes 26
