2025
MEMBER GUIDE - FIRST CHOICE
3
Membership 4
Contributions 6
Option Changes 8
MSA (Medical Savings Account) 8
Benefits 9
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
Optical Benefit 23
Third Party Claims 24
Exclusions and Limitations 25
CAMAF Wellness Offering 26
Complaints and Disputes 27
Contents
2025
MEMBER GUIDE - FIRST CHOICE
3
