2016 Benefit Changes

2016

Increases

Option % Increase R – Value Increase

Private Choice 5.6% R50

Private 6.0% R80

Private Plus 6.8% R115

Private Comprehensive

3.6% R75

Average Increase 5.5%(*)

(*) Based on adult contributions

Specific Benefit

Changes

In-and-out-of-hospital MRI / CT scans

Benefit enhanced to now include previously excluded scans relating to the conservative treatment of back / neck conditions(Private, Private Plus & Private Comprehensive)

External medical / surgical appliances

Benefit increased by 10%. New benefit is 75% of cost up to R16 500 per member family p.a.(All benefit options)

Diagnostic scopes Colonoscopy benefit increased by 7%to R3 750 per scope(Private, Private Plus & Private Comprehensive)

Maxillo-facial surgery

New in-hospital benefit added to provide cover if required as a result of major trauma / accident(Private Choice)

Specific Benefit

Changes

Basic dental benefits

New benefit for dentures & bridges now included. New benefit is R3 000 per beneficiary p.a. for crowns, dentures & bridges.

In-hospital age limit for extractions & fillings improved to include beneficiaries < 9 years

Fillings capped at 6 fillings per beneficiary p.a.

Plain X-rays capped at 6 X-rays per beneficiary p.a.

Root canal treatment capped at two root canal treatments per beneficiary p.a. (All options)

Specific Benefit

Changes

Consultation benefit

Consultation benefit increased by 13% to R350 per consultation per adult p.a.

Number of consultations reduced from 6 to 4 consultations per adult p.a.(Private Comprehensive)

Medication benefit Increased by 20% to R3 600 per adult p.a.(Private Comprehensive)

Medical savings account

Increased by 10% to R3 960 per adult p.a. (18% of contribution)(Private Plus)

Decreased by 9% to R2 520 per adult p.a. (10% of contribution) (Private Comprehensive)

Unique Benefits

• Average contribution increase of 5.5% lowest in industry (4th consecutive year)

• Private Choice rated as best value for money hospital plan in South Africa (Towers Watson &

GTC Healthcare)

• The luxury to choose (no networks)

• Unique basic dentistry benefit – R25 000 per beneficiary p.a. on all benefit options

• Child dependent rates exceptionally well positioned

• Out of hospital MRI / CT benefits

• No upfront deposits prior to hospitalisation

• Provides excellent financial cover (200% on 3 of the 4 benefit options)

• Strong financial position

• “You don’t need to pay more to occupy the same bed in hospital”

Financial sustainability

One of the

TOP 5Open Schemes

1st Position 2013

since

Annual contribution

Increases

YearAverage annual contribution increase

2014 6.43%

2013 4.95%

2012 7.20%

2011 9.50%

2015 5.30%

2016 5.50%

2016 contributions

Private Choice

Additional Children R250

Adult R950

First Child Dependent R320

Private

Additional Children R275 each

Adult R1 420

Child R350

Private Plus

Additional Children R275 each

Adult R1 800

Child R350

Private Comprehensive

Additional Children R275 each

Adult R2 150

Child R350