Photo: ScheWo, Wikimedia Commons, CC BY-SA 4.0MASM medical aid
Schemes, monthly contributions and how to join (2026)
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MASM schemes and monthly contributions
As published on MASM's schemes page, seen on 31 October 2026 — MASM's own figures, not a regulator's, and not a recommendation:
| Scheme | Principal member, per month | Child, per month | Annual benefit limit |
|---|---|---|---|
| VIP Premier | MK144,000 | MK120,000 | MK100 million |
| VIP | MK63,000 | MK56,000 | MK90 million |
| Executive | MK30,000 | MK29,000 | MK32 million |
| Econoplan | MK9,000 | MK9,000 | MK8 million |
| Econospecial | MK7,000 | — | MK5.6 million |
| Senior citizen VIP | MK112,000 | — | MK90 million |
| Senior citizen Executive | MK90,000 | — | MK32 million |
| Senior citizen Econo | MK25,000 | — | MK8 million |
MASM's page lists ambulance services, gym access, foreign treatment and funeral cover against each scheme. Its FAQ says members on Executive and VIP schemes can be treated in the SADC region, Kenya, Egypt and India on referral from a local specialist, after MASM authorises it (FAQ). Its senior citizen cover is for people above 55 (MASM).
Joining, paying and leaving
- No age limit to register; anyone with valid ID who can pay monthly contributions can join, including from abroad (diaspora) for relatives (FAQ).
- Individuals pay 3 months upfront; companies and groups pay one month (FAQ).
- Contributions are due on the 1st of each month; a contribution not paid in full suspends the membership automatically, and cover terminates after 90 consecutive days of non-payment (schemes page).
- When a member dies, the dependants may continue as private members; they must say in writing within 30 days if they do not want to (schemes page).
- MASM does not refund contributions to a member who did not use any service in the year, and lending your membership to someone else is fraud (FAQ).
Payments and services: mobile app, USSD and call centre 4277, infodesk@masm.mw (MASM).
MASM funeral cover
Since 1 July 2020 MASM's funeral benefit is provided through the MASM Group Funeral Policy, underwritten by NICO Life, as funeral services through registered funeral service providers rather than a cash payment. Limits per scheme: VIP/VIO MK1,500,000, Executive/EXO MK1,000,000, Econoplan MK750,000 (MASM funeral cover). NICO Life Insurance Company Limited is on the Registrar's list of licensed life insurers. More: funeral cover in Malawi.
Ambulance, e-claims and offices
MASM's emergency medical service answers on 4277; members on any scheme use the ambulances without paying, and others get a cost estimate (FAQ, EMS page). Offices: Avalon Office Park, Masauko Chipembere Highway, Blantyre (+265 888 189 074); next to MASM Medi Clinic Lingadzi, Lilongwe; next to MASM Medi Clinic Katoto, Mzuzu. MASM lists the hospitals, clinics and pharmacies that use its e-claims on its website.
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Frequently asked questions
How much is MASM per month?
On MASM's schemes page seen on 31 October 2026: Econospecial MK7,000, Econoplan MK9,000, Executive MK30,000, VIP MK63,000 and VIP Premier MK144,000 for a principal member; senior citizen schemes MK25,000 to MK112,000. Confirm with MASM before you join.
How do I join MASM?
Fill in the application form, attach a copy of your ID and pay three months' contributions upfront as an individual (one month for a company or group), according to MASM's FAQ.
What happens if I stop paying MASM?
Membership is suspended from the first day a contribution is unpaid, and cover terminates after 90 consecutive days without payment.
Does MASM include funeral cover?
Yes. Since 1 July 2020 it is a group funeral policy underwritten by NICO Life that provides funeral services up to MK1,500,000 (VIP), MK1,000,000 (Executive) or MK750,000 (Econoplan).
What is the MASM call centre number?
4277, or infodesk@masm.mw. The same number calls MASM's ambulance service.
Sources
- MASM — Schemes and monthly contributions (seen 31 October 2026)
- MASM — Contact us and FAQs (seen 31 October 2026)
- Medical Aid Society of Malawi (MASM) — home page (seen 31 October 2026)
- MASM — About us (seen 31 October 2026)
- MASM — Funeral cover (seen 31 October 2026)
- MASM — Emergency medical service (ambulance), offices (seen 31 October 2026)
- MASM — Hospitals operating with e-claims (seen 31 October 2026)
- Registrar of Financial Institutions — Press release: list of licensed, registered and supervised financial institutions as at 30 June 2026 (published 28 October 2026)
- Ministry of Health — Health Sector Strategic Plan III 2023–2030: Reforming for Universal Health Coverage (FAOLEX copy)