Affordable health for all.
Protect what matters most.
Available coverage plans
UHCI Medical Insurance Schemes
UHCI offers a new alternative to existing providers for more Malawians to access affordable private medical schemes for their health care needs. The costs of a plan are based on the number of benefits available, including limits and exclusions. Medical Insurance is not a medical aid, and the cover is not the same as that of a Medical Aid.
Blue Cover
Provides outpatient consultations, lab tests, and medications; four annual visits per person.
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Blue Plus Cover
Covers outpatient consultations, lab tests, short-term and chronic medications; four annual visits included.
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Bronze Cover
Covers outpatient visits, lab tests, short-term and chronic medications; four visits annually.
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Silver Cover
Provides outpatient and inpatient care, dental, maternity, neonatal, ambulance, and rehabilitation services.
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Gold Cover
Offers unlimited outpatient and inpatient care, dental, maternity, neonatal, optometry, and advanced diagnostics.
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Platinum Cover
Comprehensive coverage for outpatient, inpatient, maternity, dental, optometry, diagnostics, and chronic medications.
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Get started today!
Having medical cover is no longer a luxury, but a necessary investment in the health and future of your family. Contact us today to get your healthcare insurance plan that fits your needs!
Our Mission
Empowering Malawi Through Accessible Healthcare
Umoyo Health Care Insurance Company is dedicated to ensuring accessible, inclusive healthcare coverage for all Malawians, from low-income to high-income communities. We offer innovative, tailored insurance solutions designed to meet diverse needs, driven by our commitment to leave no one behind.
UHCI Medical Insurance Plan Steps
Select Your Plan
Choose a coverage plan (Blue, Bronze, Silver, etc.) that suits your needs.
Apply and Submit
Complete and submit the application form online, by mail, or in person.
Make Payment
Pay the required monthly subscription using your preferred payment method.
Receive ID and Access
After a 3-month waiting period, use your UHCI Insurance ID to access benefits.
Have any questions?
Frequently Asked Questions
Here are some Questions & Answers
What is the different between Medical Aid & Medical Insurance?
Why should I enrol for Health insurance cover?
How does one get a plan?
Complete an application form to enrol. Select the type cover you want
(Cover) ie. Blue, Blue+, Bronze etc.
Submit your application form.
- By mail
- Online
- In person at UHCI office, centre
- Through a representative (agent)
Pay the required monthly subscription.
According to the type of plan you selected using the recommended method of
payment.
What do I need to do next after payment?
UHCI will provide acknowledgement of receipt of your payment.If payment was done remotely, we recommend you follow up with customer care.
If I get sick, can I access my benefits at the hospital?
Wait for 1-2 months to receive your UHCI Insurance ID card (U-Card). With your U-card you access your benefits when you visit the hospital/clinic.
How many people can be on one policy?
- you
- your spouse/partner
- up to 6 children
That makes a total of up to 8 people per policy. To include more people, you
can take out a second policy.
Is there an age limit for enrolment?
Child defendants must be unmarried and younger than 21 years. However, if your child is still a registered full-time student, then this age limit is increased to 26 years.
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