2026
3
Membership 4
Contributions 6
Option Changes 8
MSA (Medical Savings Account) 9
Benefits 10
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
Third Party Claims 21
Exclusions and Limitations 22
CAMAF Wellness Offering 23
Complaints and Disputes 24
CONTENTS
