2025
MEMBER GUIDE - ESSENTIAL PLUS & ESSENTIAL NETWORK
3
Membership 4
Contributions 6
Option Changes 8
MSA (Medical Savings Account) 9
Benefits 10
Claiming 12
Pre-authorisation 14
Medical Emergencies 15
Medication 16
PMB Chronic Conditions and Medication 17
Additional Chronic Disease List 20
Disease Management and Wellness Programmes 21
Third Party Claims 23
Exclusions and Limitations 24
CAMAF Wellness Offering 25
Complaints and Disputes 26
Contents
3
2025
MEMBER GUIDE - ESSENTIAL PLUS & ESSENTIAL NETWORK
