The Anglo American Corporation Medical Aid Society (A.A.C.M.A.S.) is a closed society to which only Anglo American group company employees and pensioners can subscribe and the Society is administered by Sovereign Health (Pvt) Ltd.

A.A.C.M.A.S. offers a split benefit structure with high-cost essential medical care funded from Insured Benefits and day-to-day low-cost Out-of-Hospital medical care being funded from an individually or family owned Medical Savings Account (MSA).

Insured Benefits
These are the main or 'core' benefits that provide cover for those infrequent but financially catastrophic medical events such as an in-hospital stay or a diagnosis of cancer. A.A.C.M.A.S. provides realistic and comprehensive cover for these events through a ring-fenced 'Core or Insured Benefit Fund'.

Insured Benefits have an annual overall limit per registered beneficiary with internal sub-limits for benefits such as optical, dental, chronic medication, special appliances, prosthesis and rehabilitation. The A.A.C.M.A.S. membership year is January to December and members who join during the course of the year have their benefits pro-rated. Current benefits are detailed in the A.A.C.M.A.S. Benefit Structure and Guide available online at the Sovereign Health website.

Claim Reimbursements
A.A.C.M.A.S. processes and pays claims twice a month, that is mid-month and at the end of each month. Service provider payments are accompanied by detailed statements indicating tariff codes and other information as well as reasons for any shortfalls.
Members and providers are urged to submit their claims as frequently as is manageable in order to ensure speedy reimbursement.

Membership Cards
A.A.C.M.A.S. reissued members with new membership cards in January 2005. The new membership cards incorporate the MARS logo and emergency telephone numbers.

Under normal circumstances, only 2 membership cards are issued per family. Members are, however, free to request for additional or replacement cards at no extra cost to themselves.