3
2026
Membership 5
Contributions 6
Option Changes 9
MSA (Medical Savings Account) 9
Benefits 10
Claiming 14
Pre-authorisation 16
Medical Emergencies 17
Medication 18
PMB Chronic Conditions and Medication 19
Additional Chronic Disease List 22
Disease Management and Wellness Programmes 23
Optical Benefit 24
Third Party Claims 25
Exclusions and Limitations 26
CAMAF Wellness Offering 27
Complaints and Disputes 28
CONTENTS
