2026
3
Membership 4
Contributions 6
Option Changes 8
MSA (Medical Savings Account) 8
Benefits 9
Claiming 12
Pre-authorisation 15
Medical Emergencies 16
Medication 17
PMB Chronic Conditions and Medication 18
Additional Chronic Disease List 21
Disease Management and Wellness Programmes 22
Optical Benefit 24
Third Party Claims 25
Exclusions and Limitations 26
CAMAF Wellness Offering 27
Complaints and Disputes 28
CONTENTS
