GEMS 2017 – still the best Medical Scheme for you

From providing cover for your extended family to speaking to you in your own language, we know what’s best for your health and your family’s health!

Read further for more great reasons to choose GEMS…

1. GEMS is affordable Your employer may subsidise your GEMS contribution by up to 75%. For example, if your contribution is R776 per month, a 75% subsidy means your employer pays R582 of your contribution, while you only pay the remaining R194.

If your income is within salary levels 1 to 5 and you choose the Sapphire option, you could qualify for a 100% subsidy!

The subsidy limits you receive from your employer increase by medical price inflation (MPI) every year.

2. GEMS offers you ‘Big Scheme’ security GEMS is the biggest restricted medical scheme and the second largest scheme in South Africa, which means you can rest assured knowing your family’s and your healthcare costs are in good hands.

Less than 5% of contributions are spent on non-healthcare services, compared to an industry average of 9%.

For every R100 in member contributions, GEMS spends R95 on healthcare costs, compared to the industry average of R91. That’s great news for your health!

3. GEMS benefits are accessible There are no late joiner penalties for principal members who join the Scheme for the first time and could never before afford a Scheme. On other medical schemes, people who join later in life pay more in contributions.

You can cover your extended family. Your parents, grandparents, in-laws, nieces and nephews may join GEMS if they are financially dependent on you. Some of these family members would not be covered on other medical schemes.

No waiting periods for l principal members who join the Scheme for the first

time; l dependants who join at the same time as the

principal member; and l new-born babies and newly-adopted children added as dependants for the first time.That means members can access their benefits from the day they join.

4. GEMS is not too big to serve its members GEMS provides you with free face-to-face consultation services at your workplace.

You can ask for assistance in the language of your choice.

Working towards a healthier you

Our committed network of emergency medical services (EMS) staff is ready to help you during crises, no matter where you are in South Africa.

GEMS’ EMS network currently comprises of 162 private service providers who have rendered emergency medical assistance to over 10 600 members in just one year.

5. GEMS is there for you in an emergency

6. GEMS is easy to reach Our Self-help Kiosks bring personalised service to you at the touch of a button.

A dedicated GEMS ambassador is on hand to assist you if needed.

You can access a wide range of services, log queries and requests, view claims and benefits, and print GEMS documentation.

Conveniently located at your local GEMS walk-in-centre, selected Government buildings as well as a pharmacy near you!

7. GEMS protects your funds through selective underwriting Underwriting gives GEMS an idea of how much money a new member may claim from it in the near future and over the long term.

Underwriting helps to protect the funds – in other words your monthly contributions – that are already in the Scheme through the application of waiting periods for certain categories of new membership.

Underwriting protects GEMS against anti-selective behaviour, fraud, waste and abuse, thereby protecting your funds.

What’s new and happening in 2017?l A new app to help you manage your GEMS

membership from A to Z

l An electronic Patient Health Record allowing you to track the usage of your benefits

l Roll-out of more Self-help Kiosks for added convenience

l Additional Client Liaison Officers (CLOs)

l Lifestyle Rewards Programme for great added value and benefits

l Enhanced GEMS Fitness Programme

l New Disease Management Programme

8. GEMS gives you value-added services across all benefit options In-hospital, Prescribed Minimum Benefits are covered at 100% of scheme tariff.

No co-payments when you make use of GEMS network providers.

No co-payment for medicine listed on the GEMS Formulary.

Chronic medicine for listed conditions.

Your health is our priority, always!

Leso

ba 16

643

Unlike other medical schemes that apply underwriting to all members, GEMS applies underwriting to the following categories of members only:l Principal members who resign from the Scheme

with their dependants (without also resigning from the Public Service) and then re-join the Scheme.

l Dependants who are resigned from the Scheme and who are then re-registered by the principal member at a later date.

l Dependants who join GEMS on a different date from the main member (excluding new-born babies and newly-adopted children).

Make your choice for 2017IMPORTANT: Please complete this form to indicate your option change. You can also change your option via Member Online by clicking on “Sign In” on the GEMS website at www.gems.gov.za, the self-help facility by calling 0860 00 4367 and following the voice prompts, your cellphone by dialling *134*4367# or at a walk-in centre. If you do not choose an option by 7 December 2016, your option will remain the same until the end of 2017.

Return this form via: enquiries@gems.gov.za 0861 00 4367 OR GEMS, Private Bag X782, Cape Town 8000

This form must reach GEMS before 7 December 2016

Section A: Personal details (Main member)Complete all fields with your current details.

Membership number nnnnnnnnnn Title (Mr, Mrs, or other) nnnnnnnnnn Initials nnnSurname nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnn Full name(s) nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnCellphone number nnnnnnnnnn Landline number nnnnnnnnnnEmail nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnPostal address (post collected from post box, suite or private bag) - Tick appropriate option:

n PO Box n Private Bag X n Postnet Suite n Apartment Number (complete the number) nnnnnnnnnnnnSuburb nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnCity nnnnnnnnnnnnnnnnnnnnnnnnn Postal code nnnnnn

Section D: Emerald Value general practitioner (GP) nominationOn the Emerald Value option, all beneficiaries must have a nominated GP for their healthcare needs. Complete the fields below for you and each of your dependants. Please use a separate sheet of paper if the space is not sufficient.

Main member name nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnName of nominated GP nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnDependant name nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnName of nominated GP nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnDependant name nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnName of nominated GP nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnn Dependant name nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnName of nominated GP nnnnnnnnnnnnnnnnnnnnnnnnnnnnnnnn

Section E: Statement and authorisation

Main member’s signature Date nnnnnnnnD D M M Y Y Y Y

I declare that I am an eligible member in accordance with the Rules of GEMS The information provided on this form is true and correct I have made my option choice and I am satisfied with the benefit structure and contributions under this option I authorise GEMS to update

my details as indicated on this form.

Please indicate the option you wish to change to from 1 January 2017 by ticking the appropriate box:

n Sapphire n Beryl n Ruby n Emerald Value* n Emerald n Onyx *Complete Section D below if choosing Emerald Value.

Section C: Option selection

Section B: Preferred language and distribution method of communication items

Statements** n Cellphone n Email n Post Language***

*Translated versions are available on www.gems.gov.za. **Available to members with WAP-enabled cellphones. Your phone is WAP-enabled if you have access to the internet.***Any one of the 11 official South African languages: Afrikaans, English, isiNdebele, Sepedi, Sesotho, SiSwati, Setswana, Tshivenda, isiXhosa, Xitsonga or isiZulu.

Please indicate your preferred language and distribution method for the communication items listed below. Please choose only one method of delivery per item and only choose email if you have provided us with your email address in Section A.

Newsletters* n Email n Post

Personalised letters n Email n Post

nnnnnnnnnnnn

Working towards a healthier you

Greater Choice Greater variety in 2017

Option Selection

Your health is our priority

ContactDetails

The Scheme has minimised contribution increases for as long as possible, as we understand that any additional expenses will be hard felt by members.

New benefits for membersSoaring healthcare costs are an unfortunate reality faced by all medical schemes throughout South Africa. We must therefore choose between increasing member contributions or a reduction in much needed healthcare benefits. We are firm in our commitment that we will not take benefits away from our members.

This year we are increasing a range of in-hospital and out-of-hospital benefit limits by 6% across all our options. Read the What’s new in 2017 section for more information on our new offerings.

Introduction of the Emerald Value optionWe have created a new value proposition, Emerald Value, whereby members have access to the same rich benefits offered on the existing Emerald option, the current largest scheme option, but at a more affordable rate (subject to network requirements). Read more about this in the Introduction of the Emerald Value option section.

Continued value-addsOur popular GEMS Fitness and GEMS Maternity programmes, as well as the expansion of our Client Liaison Officer networks and the introduction of GEMS Self-Help Kiosks are just a few of the value-adds you have come to expect from the Scheme.

We wish you the very best and we look forward to continuing our journey hand-in-hand with you in 2017 and beyond.

Yours in health,

Dr Guni GoolabGEMS: Principal Officer

This brochure contains a summary of medical benefits and contribution costs offered by GEMS for 2017. Should a dispute arise, the Rules of the Scheme will apply. The Rules of the Scheme are available on the GEMS website at www.gems.gov.za, under About Us. You may also contact us directly to request a copy.

The 2017 benefits summarised in this brochure are still subject to approval by the Council for Medical Schemes (CMS), and may be subject to change. The final benefit information will be made available on the GEMS website at www.gems.gov.za once CMS approval has been obtained.

Disclaimer

Principal Officer’snote

GEMS Call Centre: 0860 00 4367

Fax: 0861 00 4367

Web: www.gems.gov.za

Email: enquiries@gems.gov.za

Postal address: GEMS, Private Bag X782, Cape Town 8000

Dear member, Warm greetings and thank you for walking the path of good health with the

Government Employees Medical Scheme (GEMS) in 2016.

It has been an eventful year on the South African healthcare front. Given the importance of healthcare to you and your loved ones, and our promise to safeguard that which you hold most dear, we actively engaged you, our valued members, to identify how we can better serve you. We are extremely grateful for the constructive feedback we received and look forward to further improving our processes to deliver outstanding value in 2017.

Access to quality healthcare for the members of the public service, who the nation relies on to keep South Africa moving forward, remains at the heart of everything we stand for at GEMS. Our unflagging commitment to providing the best possible value for members has meant that the Scheme has had to reassess certain policies during 2016 to help prevent the misuse of Scheme resources for the protection of all our members.

Like other medical schemes, GEMS announces its annual contribution increases during the last quarter of the year. In 2017 the weighted average membership contribution increase across all existing benefit options is 15%. This is higher than ever before and we sincerely regret that the need for this has arisen. Over and above this, adult dependant contributions will increase by a further 3%. These increases have been implemented due to the significant hospital and related claims costs the Scheme has experienced during 2016.

What’s new in 2017!

Increase in benefit limitsA 6% increase in a range of in-hospital and out-of-hospital benefits.

Enhanced HIV benefit• Antiretroviral treatment for members with HIV upon diagnosis

irrespective of CD4 count.• Pre-exposure Prophylaxis, which means that members with a high risk

of contracting HIV will have access to antiretroviral treatment as a preventative measure.

Panoramic x-rays on Sapphire and BerylOne panoramic x-ray per beneficiary every three years.

Homeopathic medicineHomeopaths may prescribe homeopathic medicine up to R500 per family per year.

Allergy benefit on Emerald and OnyxTo fund medicine for life-threatening allergies once per beneficiary per year.

Psychology visitsA limit of one session per day. Multiple visits per day will no longer be funded.

Dependant eligibilityStudent dependants will no longer be suspended upon the review period. Instead, they will be converted to adult dependants and pay adult contribution rates. This is subject to factual dependency criteria in Scheme rules being met.

ContributionsThe average weighted contribution increase is 15%.

Additional increase for adult dependantsAn additional 3% increase in adult dependant contributions.

Reduction of Ruby Personal Medical Savings Account (PMSA)Reduction of 5% (from 25% to 20%) in Ruby PMSAs.

Mid-year adjustments to salary bandsContribution rates will be adjusted twice a year. With salary increases being awarded during April of each year, members’ income will be assessed twice during each benefit year; on 1 January and again on 1 July of each year.

New option: Emerald ValueA new value proposition, Emerald Value, where members have access to the same rich benefits offered on the existing Emerald option, but at a more affordable rate. Read more about this in the Introduction of the Emerald Value option section in this pack.

Your 2017 monthlycontributionsThe tables below show the full contributions for 2017 and does not include any subsidies which you may qualify for. If you qualify for a subsidy, your employer will pay part of the contribution and you will be required to pay the balance.

SAPPHIRE BERYL RUBY

R0 – R7 897.00

R877 R657 R371R0 –

R7 897.00R1 011 R955 R558

R0 – R11 892.00

R2 060 R1 475 R790

R7 897.01 – R11 081.00

R919 R697 R400R7 897.01 – R11 081.00

R1 097 R1 031 R616R11 892.01 – R20 538.00

R2 295 R1 645 R885

R11 081.01 – R18 983.00

R976 R733 R424R11 081.01 – R18 983.00

R1 197 R1 134 R661 R20 538.01 + R2 550 R1 825 R980

R18 983.01 + R1 086 R871 R511 R18 983.01 + R1 435 R 1 365 R802

EMERALD VALUE EMERALD ONYX

R0 – R11 892.00

R2 066 R1 498 R757R0 –

R11 892.00R2 295 R1 664 R841

R0 – R11 892.00

R3 729 R2 721 R1 108

R11 892.01 – R20 538.00

R2 287 R1 682 R849R11 892.01 – R20 538.00

R2 541 R1 869 R943R11 892.01 – R25 339.00

R3 880 R2 816 R1 203

R20 538.01 + R2 563 R1 870 R946 R20 538.01 + R2 848 R2 078 R1 051 R25 339.01 + R4 190 R3 069 R1 342

SALARY COLUMN: This reflects the monthly salary before tax or other deductions. MEMBER COLUMN: This column shows how much the main member, who is the public service employee registered with GEMS, has to pay. ADULT COLUMN: This column shows how much you have to pay for your adult dependants. CHILD COLUMN: This column shows how much you have to pay for a child dependant. GEMS covers children up to the age of 21 years, unless the child is mentally or physically disabled or younger than 28 years of age and a student registered at a recognised educational institution.

Please note:20% of Ruby contributions will go towards the

Personal Medical Savings Account.

Easy stepsto choosing your option for 2017

UNDERSTAND YOUR OPTIONS, UNDERSTAND YOUR BENEFITSRead through the 2017 benefit schedule and contribution table to find out what benefits are offered for each option and how much it will cost.

CONSIDER YOUR NEEDSCarefully consider your and your dependants’ healthcare needs and budget for the year ahead.

MAKE YOUR CHOICEAfter careful consideration, decide if you need to remain on your current option, or if you need to change to a different option for 2017.

Let GEMS know via any one of the following channels between 7 November and 7 December 2016:DECIDED TO CHANGE YOUR OPTION FOR 2017?

Start the new year knowing that you and your dependants are covered by the best option for your needs.

Complete the Make your choice for 2017 form and make sure that all of your details are correct. Then send the completed and updated form to us via any one of the following ways: • Email: enquiries@gems.gov.za• Fax: 0861 00 4367• A GEMS Walk-in Centre: Hand it in

at your nearest one• Post: GEMS, Private Bag X782,

Cape Town 8000.

• Call our 24-hour automated self-service facility on 0860 00 4367 and select option two (2).

• Select the language in which you want to be assisted.

• Press 1 and then press zero (0) to change your option.

• As the main member you will need to enter your membership number, ID number and cellphone number.

OPTION SELECTION FORM

24-HOUR AUTOMATED SELF-SERVICE FACILITY ONLINE CELLPHONE

• Sign into Member Online via www.gems.gov.za (click on

“Sign In” on the top right hand corner of your screen).

• Click the Option Selection icon under Navigate on the Menu to make your option change.

• Dial *134*4367#• Enter your member number.• Enter your ID number.• Select your option.• Confirm your selection.

Introduction of the Emerald Value option

Members must furthermore use a hospital of their choice from the GEMS hospital network for their

in-hospital needs.

Emerald Value makes special provision for members who may require healthcare while travelling, in emergencies or

who may need specialised care that may not be available through members’ nominated or network healthcare providers.

As GEMS, we are constantly striving to enhance and improve our service offering. Emerald Value is the perfect example of the exceptional value for money we aim to provide our members.

Criteria for Emerald ValueOn the Emerald Value option, all beneficiaries must adhere to the following specific criteria:

• A network general practitioner (GP) must be nominated as your first line of call for healthcare. A 30% co-payment will be applied to all claims received from a non-nominated GP.

• A network hospital must be used for all in-hospital requirements. Before selecting this option, make sure that one of our network hospitals is in your and your dependants’ area by referring to the list included. You will have to pay R10 000 out of your own pocket if you make use of a hospital that is outside of the GEMS hospital network, except in the case of emergencies.

• Specialist referral must be obtained from your nominated GP for all specialist requirements.

We have created a new value proposition, Emerald Value, for members to be afforded access to the same rich benefits offered on the existing Emerald option, but at a more affordable rate. This is provided that members agree to use their nominated general practitioner, who must be on the GEMS Network, as their first-line when seeking medical care.

0% increase for members switching from Emerald to Emerald ValueMembers who choose to remain on the traditional Emerald option will face contribution increases of 15% for 2017, while members who choose to switch to the new Emerald Value option from the existing Emerald option will have a 0% increase after the medical subsidy is included.

If you would like to be on Emerald Value you need to have a nominated GP. Ensure that you nominate a GP for you and each of your dependants as soon as possible. You are also required to only use hospitals on the GEMS hospital network. Make sure that one of our network hospitals is in your and your dependants’ area by referring to the list included.

SAPPHIREIn-Hospital BenefitsPrescribed minimum benefits (PMBs) • R186 385 per family per annum, subject to PMB legislation • Service provided by DSP • PMBs override all benefit limitations Yearly hospital benefit (public hospitals, GEMS-approved private hospitals, registered unattached theatres, day clinics and psychiatric facilities) • Includes accommodation in a general ward, high care ward and intensive care unit (ICU), theatre fees, medicines, materials and hospital equipment (including bone cement for prostheses) and neonatal care • Service provided by DSP • Chronic medicine provided by chronic DSP • Subject to yearly hospital limit of R197 568 per family per year • TTO limited to 7 days • No limit per maternity confinement event, but subject to yearly hospital limit and registration on Scheme’s maternity programme • Co-payment of R1000 per admission if pre-authorisation not obtained Alcohol and drug dependencies • Subject to PMBs, pre-authorisation, managed care protocols and the use of a DSP Allied health services • Includes chiropractors, dieticians, homeopaths, podiatrists, phytotherapists, social workers, orthoptists, acupuncturists and Chinese medicine practitioners • Limited to PMBs Subject to referral by network GP and services being related to admission diagnosis Alternatives to hospitalisation (sub-acute hospitals and private nursing) • Subject to yearly hospital limit and sub-limit of R19 756 per family per year • Excludes frail care • Includes post-surgical home nursing - Hospice: • 100% of cost, subject to PMB legislationBlood transfusion • Includes cost of blood, blood equivalents, blood products and transport thereof Breast reduction • No benefitDental services (conservative, restorative and specialised) • Only applicable to beneficiaries with severe trauma, impacted third molars or under the age of 8 years • Subject to yearly hospital limit and out-of-hospital dentistry limit • Excludes osseo-integrated implants, all implant related procedures, orthognathic surgery and specialised dentistry • Subject to list of approved services and use of day theatres and DSP hospitals Emergency services (casualty department) GP services • Consultations and visits • Subject to yearly hospital limit • Reimbursement according to Scheme-approved tariff file for maternity confinement, applicable to both caesarean and non-caesarean delivery Maternity (hospital, home birth and accredited birthing unit (public hospitals and designated private hospitals) • Subject to registration on the maternity programme • Elective caesarean may be subject to second opinion • Hospitalisation in designated private hospitals for post-discharge complications for newborns limited to 6 weeks • Includes midwife services • Co-payment of R1 000 per admission if pre-authorisation not obtained Medical technologists • Includes materials • Limited to PMBs. Subject to event pre-authorisation Mental health • Subject to PMB, pre-authorisation and managed care protocols • Limited to one individual psychologist consultation or one group psychologist consultation per day • Educational and industrial psychologists excluded

Oncology (chemo and radiotherapy) • In and out of hospital • Includes medicine and materials • Subject to clinical guidelines used in public facilities and MPL • Excludes new chemotherapeutic medicines that have not demonstrated a survival advantage of more than 3 months in advanced and metastatic solid organ malignant tumours unless pre-authorised Organ and tissue transplants • Subject to clinical guidelines used in public facilities • Subject to a sub-limit of R18 937 per beneficiary per year for corneal grafts • Includes materials Pathology • Subject to yearly hospital limit Physiotherapy - Post-hip, knee and shoulder replacement or revision surgery physiotherapy • 10 post-surgery physiotherapy visits (shared with out-of-hospital visits) up to a limit of R4 764 per beneficiary per event used within 60 days of surgery Prostheses • Covers prostheses and surgically implanted internal devices, including all temporary prostheses and all accompanying temporary or permanent devices used to assist with the guidance, alignment and delivery of internal prostheses • Subject to the yearly hospital limit and a sub-limit of R22 571 per family per year • Bone cement paid from in-hospital benefits • Shared sub-limit with out-of-hospital prosthetics and appliances of R4 169 for foot orthotics and prosthetics with a sub-limit of R1 191 for orthotic shoes, foot inserts and levellers per beneficiary per year • Foot orthotics and prosthetics subject to formulary • Subject to internal and external devices being related to admission diagnosis and procedure Radiology (advanced) • Subject to list of approved services Radiology (basic) • Subject to yearly hospital limit • Includes 2 x 2D ultrasound scans per pregnancy Renal dialysis • In and out of hospital • Includes materials • Subject to clinical guidelines used in public facilities Specialist services • Consultations and visits • 100% of Scheme rate for non-network providers • 130% of Scheme rate for established network specialists • Subject to yearly hospital limit • Reimbursement according to Scheme-approved tariff file Surgical procedures (including maxillo-facial surgery) • Subject to yearly hospital limit • Subject to case management • Maxillo-facial surgery subject to yearly sub-limit of R19 756 per family • Excludes osseo-integrated implants, all implant-related procedures and orthognathic surgery Out-of-Hospital BenefitsPersonal Medical Savings Account (PMSA) • No PMSAAllied health services • Includes chiropractors, dieticians, homeopaths, podiatrists, phytotherapists, social workers, orthoptists, acupuncturists and Chinese medicine practitioners • Subject to referral by network GP Audiology, occupational therapy and speech therapy • Subject to referral by network GP Block benefit (day-to-day benefit) • No block benefitCircumcision • Subject to use of network GP • Global fee of R1 348 per beneficiary, which includes all related costs of post-procedure care within month of procedure • Out-of-hospital benefit only Contraceptives (oral, insertables, injectables and dermal) • No benefit, unless PMBDental services (conservative and restorative dentistry including acute medicine) • Subject to list of approved services and use of DSP - Conditions with pain and sepsis, fillings, clinically indicated dental services including extractions and emergency root canal procedure, intra-oral radiography radiography • Panoramic x-rays limited to one x-ray every three years per beneficiary • Emergency out-of-network visits limited to 1 event per beneficiary per year - Dentures (plastic) • Subject to approved Scheme tariff - Examinations and preventative treatment • 2 treatment episodes per beneficiary per year - Specialised dentistry and other dentures • In accordance with the Scheme-approved tariff Emergency assistance (road and air) • Subject to use of emergency services DSP • Unlimited, subject to PMB legislation Network GP services • Reimbursement at 200% of Scheme Rate for procedures performed in doctors’ rooms instead of in hospital - Network GP • Consultations and approved minor procedures • Unlimited - Voluntary use of non-network providers • Any out-of-hospital visit to a non-network GP • 80% of Scheme Rate (20% member co-payment) • Limited to 3 visits per family per year and R976 per event - Emergency medical conditions and involuntary use of non-network provider • Unlimited for PMBs • Treatment at DSP or registered emergency medical facility GP network extender benefit • No benefitHIV infection, AIDS and related illness • Pre-exposure prophylaxis included for high risk beneficiaries subject to Scheme’s managed care protocols and registration on the HIV Disease Management Programme Infertility • Subject to use of DSP • Subject to PMBs and managed care protocols. Pre-exposure prophylaxis Included for high risk beneficiaries Maternity (ante- and post-natal care) • Subject to registration on the maternity programme and referral from network GP • Includes 2 x 2D ultrasound scans per pregnancy • Subject to registration on Maternity Programme Maternity Benefit Programme (ante- and post-natal care) • No benefitMedical and surgical appliances and prostheses • Includes hearing aids, wheelchairs, mobility scooters, oxygen cylinders, nebulisers, glucometers, colostomy kits, diabetic equipment, foot orthotics and external prostheses • Applicable in and out of hospital • Subject to prescription by network GP • Limited to R5 925 per family • Shared sub-limit with in-hospital prosthetics and appliances of R4 169 for foot orthotics and prosthetics with a sub-limit of R1 191 for orthotic shoes, foot inserts and levellers per beneficiary per year • Bilateral hearing aids every 36 months • Foot orthotics and prosthetics subject to formulary Mental health (Consultations, assessments, treatment and/or counselling by GP, Psychiatrist and Psychologist) • Subject to the use of network GP and specialist network and PMBs • Limited to one individual psychologist consultation or one group psychologist consultation per day • Educational and industrial psychologist services excluded Optical services (eye examinations, frames, lenses and acute medicine) • Subject to use of optometry network and approved list of frames • Limit of R3 843 per family every second year • Limited to 1 eye examination, 1 frame and 1 pair of lenses OR 4 boxes of disposable contact lenses OR 1 set of permanent contact lenses per beneficiary every second year • Acute medicine prescribed by a network GP and subject to formulary • Benefit not pro-rated • Post-cataract surgery, PMB benefit limited to the cost of a bifocal lens not more than R1 004 for both lens and frame, with a sub-limit of R199 for the frame • Either spectacles or contact lenses will be funded in a benefit cycle, not both • Includes tinted lenses for albinism and proven photophobia, subject to pre-authorisation Pathology • Subject to referral by network GP or other accredited service provider and list of approved tests • Tests requested by specialist are covered subject to the list of approved services, if referred by network GP and the specialist visit was pre-authorised • Pre-authorisation is required for certain tests as stipulated on the Managed Care Pathology Request Form • Unlimited Physiotherapy • Subject to referral by network GP - Post-hip, knee and shoulder replacement or revision physiotherapy • 10 post-surgery physiotherapy visits (shared with in-hospital visits) up to a limit of R4 764 per beneficiary per event used within 60 days of surgery Prescribed medicine and injection material • Prescribed and administered by a professional legally entitled to do so • Subject to MPL and MEL - Acute medical conditions • Subject to formulary and prescription by network GP • Unlimited, except for a R500 family limit per family per year for homeopathic medicine • Obtainable from network dispensing GP or network pharmacy • Medicine prescribed by a specialist only covered if patient referred to the specialist by a network GP and visit is pre-authorised • 30% co-payment on out-of-formulary medicine or voluntary use of non-network pharmacy or non-network GP - Chronic medical conditions • Limited to CDL and DTP PMB chronic conditions • Subject to prior application and approval, the Formulary, MPL and prescribed by a network GP • Unlimited, subject to PMB legislation • Medicine prescribed by a specialist only covered if patient referred by a network GP and visit is pre-authorised • 30% co-payment on out-of-formulary medicine or voluntary use of non-DSP pharmacy - Self-medicine (OTC) • To be obtained for minor ailments • Subject to managed care, formulary and DSP• Limited to R58 per event, 5 events and R296 per family per year • Only schedule 0, 1 and 2 medicines coveredPreventative care services • Serum cholesterol, bone density scan, pap smear (including liquid-based cytology), prostate specific antigen, glaucoma screening, serum glucose, occult blood test, Thyrotropin (TSH) for neonatal hypothyroidism, mammogram and other screening according to evidence-based standard practice • Limited to 1 of each of the stated preventative services per beneficiary per year • Includes Influenza, HPV vaccinations for female beneficiaries and Pneumococcal vaccinations • Pneumococcal vaccines every 5 years for members with asthma and chronic obstructive pulmonary disease • Neonatal Hypothyroidism screening test - TSH (Thyrotropin) tariff 4507 only Radiology (advanced) Radiology (basic) • Subject to referral by network GP and list of approved services • Includes 2 x 2D ultrasound scans per pregnancy provided for by maternity programme • Examinations requested by specialist are covered subject to list of approved services, if referred by the network GP and the specialist visit is pre-authorised • Unlimited Specialist services • 100% of Scheme rate for non-network providers •130% of Scheme rate for established network specialists • Subject to network GP referral • Antenatal visits subject to maternity programme protocols • Includes 2 x 2D ultrasound scans per pregnancy, subject to out-of-hospital basic radiology benefit • Reimbursement at 200% of Scheme rate for procedures specified by managed care done in doctors’ rooms instead of in hospital • Reimbursement at 200% of Scheme rate for cataract procedures performed by ophthalmologists in their rooms

Benefit Schedule for 2017 Please refer to the glossary for an explanation of various terms and abbreviations.

BERYLIn-Hospital BenefitsPrescribed minimum benefits (PMBs) • R931 940 per family per annum, subject to PMB legislation • Service provided by DSP • PMBs override all benefit limitations Yearly hospital benefit (public hospitals, GEMS-approved private hospitals, registered unattached theatres, day clinics and psychiatric facilities) • Services rendered by DSP • Includes accommodation in a general ward, high care ward and intensive care unit (ICU), theatre fees, medicines, materials and hospital equipment (includes bone cement for prostheses), confinements and midwives and neonatal care • Chronic medicine provided by chronic DSP • Subject to yearly hospital limit of R987 856 per family per year • TTO limited to 7 days • Co-payment of R1 000 per admission if pre-authorisation not obtained Alcohol and drug dependencies • Subject to use of DSP Allied health services • Includes chiropractors, dieticians, homeopaths, podiatrists, phytotherapists, social workers, orthoptists, acupuncturists and Chinese medicine practitioners, registered counsellors • Subject to referral by network GP • Subject to services being related to admission diagnosis Managed care applies • Yearly limit of R1 969 per beneficiary and R2 962 per family • Sub-limit of R1 439 per family for social workers and registered counsellors Alternatives to hospitalisation (sub-acute hospitals and private nursing) • Subject to yearly hospital limit and sub-limit of R19 756 per family per year • Includes post-surgical home nursing • Includes physical rehabilitation for approved conditions • Excludes frail care and recuperative holidays Hospice • Unlimited, subject to PMB legislation Blood transfusion • Includes cost of blood, blood equivalents, blood products and transport thereof • Subject to yearly hospital limit and sub-limit of R19 756 per family per year Breast reduction • No benefitDental services (conservative, restorative and specialised) • Subject to list of approved services and use of day theatres and DSP hospitals • Only applicable to beneficiaries with severe trauma, impacted third molars or under the age of 8 years • Subject to yearly hospital limit and out-of-hospital dentistry limit • Excludes osseo-integrated implants, all implant-related procedures and orthognathic surgery Emergency services (casualty department) GP services • Consultations and visits • Subject to yearly hospital limit • Reimbursement according to Scheme-approved tariff, applicable to both caesarean and non-caesarean delivery and childbirth by a GP Maternity (hospital, home birth and accredited birthing unit (hospital, home birth and accredited birthing unit) • Subject to registration on the maternity programme • Unlimited, subject to PMB • Includes complications for mother and newborn • Elective caesarean may be subjected to second opinion • Includes midwife services • Co-payment of R1 000 per admission if pre-authorisation not obtained Medical technologists • Subject to yearly hospital limit and sub-limit of R19 756 per family per year Mental health • Accommodation, theatre fees, medicine, professional fees from GPs, Psychiatrists and Psychologists • Limited to 1 individual psychologist consultation or 1 group psychologist consultation per day • Educational and industrial psychologists excluded. Oncology (chemo and radiotherapy) • In and out of hospital • Includes medicine and materials • Subject to clinical guidelines used in public facilities programme • Subject to yearly hospital limit and sub-limit of R197 567 per family per year • Subject to MPL • Unlimited for PMBs • Excludes new chemotherapeutic medicines that have not demonstrated a survival advantage of more than 3 months in advanced and metastatic solid organ malignant tumours unless pre-authorised

Organ and tissue transplants • Subject to clinical guidelines used in public facilities • Includes materials • Sub-limit of R18 937 per beneficiary per year for corneal grafts Pathology • Subject to yearly hospital limit Physiotherapy - Post-hip, knee and shoulder replacement or revision surgery physiotherapy • 10 post-surgery physiotherapy visits (shared with out-of-hospital visits) up to a limit of R4 764 per beneficiary per event used within 60 days of surgery Prostheses • Covers prostheses and surgically implanted internal devices, including all temporary prostheses and all accompanying temporary or permanent devices used to assist with the guidance, alignment and delivery of internal prostheses • Subject to yearly hospital limit and a sub-limit of R29 638 per family per year • Unlimited for PMBs once benefit limit is depleted • Scheme may obtain competitive quotes or arrange supply of prostheses • Bone cement paid from in-hospital benefits • Shared sub-limit with out-of-hospital prosthetics and appliances of R4 169 for foot orthotics and prosthetics with a sub-limit of R1 191 for orthotic shoes, foot inserts and levellers per beneficiary per year • Foot orthotics and prosthetics subject to formulary • Subject to internal and external devices being related to admission diagnosis and procedure. Radiology (advanced) • Subject to list of approved services Radiology (basic) • Subject to yearly hospital limit • Includes 2 x 2D ultrasound scans per pregnancy Renal dialysis • In and out of hospital • Includes materials • Subject to yearly hospital limit and sub-limit of R197 567 per family per year • Unlimited for PMBs • Subject to clinical guidelines used in public facilities programme Specialist services • Consultations and visits • Subject to yearly hospital limit • 100% of Scheme rate for non-network specialist • 130% of Scheme rate for network specialist • Reimbursement according to Scheme-approved tariff Surgical procedures (including maxillo-facial surgery) • Subject to yearly hospital limit • Subject to case management • Maxillo-facial surgery subject to yearly sub-limit of R19 756 per family • Excludes osseo-integrated implants and orthognathic surgery

Out-of-Hospital BenefitsPersonal Medical Savings Account (PMSA) • No PMSAAllied health services • Includes chiropractors, dieticians, homeopaths, podiatrists, phytotherapists, social workers, registered counsellors and Chinese medicine practitioners • Subject to referral by network GP • Yearly limit of R1 914 per beneficiary and R2 878 per family • Sub-limit of R1 439 per family for social workers and registered counsellors Audiology, occupational therapy and speech therapy • Subject to referral by network GP • Included in allied health services benefit limit, unless PMB Block benefit (day-to-day benefit) • No block benefitCircumcision • Subject to use of network GP • Global fee of R1 348 per beneficiary, which includes all related costs of post-procedure care within month of procedure • Out-of-hospital benefit only Contraceptives (oral, insertables, injectables and dermal) • No benefit, unless PMBDental services (conservative and restorative dentistry including acute medicine) • Subject to list of approved services and use of DSP - Examinations and preventative treatment • 2 treatment events per beneficiary per year - Conditions with pain and sepsis • 2 events per beneficiary per year - Fillings • Unlimited at DSP - Clinically indicated dental services including extraction and emergency root canal procedure, intra oral radiography • 1 event per beneficiary per year - Emergency non-DSP visit • Limited to 1 event per beneficiary per year, provided that panoramic x-rays are limited to one x-ray every three years per beneficiary - Dentures and specialised dentistry • Limit of R3 258 per beneficiary per yearEmergency assistance (road and air) • Subject to use of emergency services DSP• Unlimited, subject to PMB legislation Network GP services • Consultations and approved minor procedures at network GP • Unlimited • Reimbursement at 200% of Scheme rate for diagnostic procedures performed in doctors’ rooms instead of in hospital - Emergency medical conditions and involuntary use of non-network GP for PMBs • Unlimited, subject to PMB legislation - Voluntary use of non-network GP • Any out-of-hospital visit to non-network GP • 80% of Scheme rate (20% member co-payment) • Limited to 3 visits per family per year and R977 per eventGP network extender benefit • No benefitHIV infection, AIDS and related illness • Pre-exposure prohylaxis included for high risk beneficiaries • Subject to the Scheme’s managed care protocols and registration on the HIV Disease Management Programme Infertility • Subject to use of DSP Maternity (ante- and post-natal care) • Subject to registration on the maternity programme • Subject to referral from network GP • Includes 2 x 2D ultrasound scans per pregnancy • Part of specialists benefit Maternity Benefit Programme (ante- and post-natal care) • No benefitMedical and surgical appliances and prostheses • Includes hearing aids, mobility scooters, wheelchairs, oxygen cylinders, nebulisers, glucometers, colostomy kits, diabetic equipment, foot orthotics and external prostheses • In and out of hospital • Subject to prescription by a network GP • Subject to yearly hospital limit and sub-limit of R9 879 per family per year • Shared sub-limit with in-hospital prosthetics of R4 169 for foot orthotics and prosthetics with a sub-limit of R1 191 for orthotic shoes, foot inserts and levellers per beneficiary per year • Foot orthotics and prosthetics subject to formulary • Bilateral hearing aids every 36 months Mental health (Consultations, assessments, treatment and/or counselling by GP, Psychiatrist and Psychologist) • Subject to use of network GP and specialist network • Subject to yearly hospital limit and combined with out-of-hospital sub-limit of R8 975 per family per year, unless PMB • Limited to 1 individual Psychologist consultation or one group psychologist consultation per day. Educational and industrial psychologists excluded. Optical services (eye examinations, frames, lenses and contact lenses (permanent and disposable) and acute medicine) • Subject to use of optometry network and approved list of frames • 1 examination per beneficiary per year • 1 frame and a pair of lenses OR 4 boxes of disposable contact lenses OR 1 set of permanent contact lenses • Limited to R1 301 per beneficiary every second year • Acute medicine prescribed by network GP and subject to formulary • Benefit is not pro-rated • Post-cataract surgery, optical PMB entitlement limited to the cost of a bifocal lens not more than R1 004 for both lens and frame, with a sub-limit of R199 for frame • Includes tinted lenses for albinism and proven photophobia, subject to pre-authorisation Pathology • Subject to referral by network practitioner and list of approved tests • Tests requested by specialist are covered subject to the list of approved services, if referred by DSP Practitioner and the visit is pre-authorised • Unlimited • Pre-authorisation required for certain examinations as per the Managed Care Radiology Request Form Physiotherapy • Subject to referral by network practitioner • Included in allied health services benefit limit unless PMB - Post-hip, knee and shoulder replacement or revision physiotherapy • 10 post-surgery physiotherapy visits (shared with in-hospital visits) up to a limit of R4 764 per beneficiary per event used within 60 days of surgery Prescribed medicine and injection material • Prescribed and administered by a professional legally entitled to do so • Subject to MPL • Prescription by a specialist is only covered if referred by network GP and the visit is pre-authorised - Acute medical conditions • Subject to formulary • Unlimited at Network dispensing GP or network pharmacy • Subject to prescription by network GP • 30% co-payment on out-of-formulary medicine or voluntary use of non-network pharmacy - Chronic medical conditions (limited to CDL and DTP PMB chronic conditions) • Subject to prior application, approval, formulary and use of DSP practitioner • Subject to prescription by network GP • Unlimited, except for the R500 limit per family per year for homeopathic medicine • 30% co-payment on out-of-formulary medicine or voluntary use of non-network pharmacy- Self-medicine (OTC) • To be obtained for minor ailments • Subject to formulary and use of network pharmacy • Limited to R58 per event, 5 events and R296 per family per year • Only schedule 0, 1 and 2 coveredPreventative care services • Serum cholesterol, bone density scan (including liquid-based cytology), pap smear, prostate-specific antigen, glaucoma screening, serum glucose, occult blood, Thyrotropin (TSH) for neonatal hypothyroidism, mammogram and other screening according to evidence-based standard practice • Pap smears include liquid-based cytology • Includes Influenza vaccinations, HPV vaccinations for female beneficiaries and Pneumococcal vaccinations • Pneumococcal vaccinations every 5 years for members with asthma and chronic obstructive pulmonary disease Neonatal Hypothyroidism screening test - TSH (Thyrotropin) tariff 4507 only Radiology (advanced) • Shared with in-hospital advanced radiology limit of R29 638 per family per year Radiology (basic) • Subject to referral by network GP and list of approved services • 2 x 2D ultrasound scans per pregnancy provided for by maternity benefit • Examinations requested by specialist are covered subject to list of approved services, if referred by network GP and the visit is pre-authorised • Unlimited • Pre-authorisation required for certain examinations as per the Managed Care Radiology Request Form Specialist services • 100% Scheme rate for non-network providers • 130% Scheme rate for network specialists • Subject to network GP referral and list of approved services for radiology and pathology and treatment plans care protocols • Limited to 5 consultations or R3 555 per family per year or 3 consultations or R2 370 per beneficiary per year • Reimbursement at 200% of Scheme rate for procedures specified by managed care done in doctors’ rooms instead of in hospital • Reimbursement at 200% of Scheme rate for cataract procedures performed by ophthalmologists in their rooms

RUBYIn-Hospital BenefitsPrescribed minimum benefits (PMBs) • Unlimited, subject to PMB legislation • Service provided by DSP • PMBs override all benefit limitations Yearly hospital benefit (public hospitals, GEMS-approved private hospitals, registered unattached theatres, day clinics and psychiatric facilities) • Unlimited • Services rendered by DSP • Includes accommodation in a general ward, high care ward and intensive care unit (ICU), theatre fees, medicines, materials and hospital equipment (including bone cement for prostheses) and neonatal care • Accommodation in private ward subject to motivation by attending practitioner • Non-PMB 1-day admissions limited to R15 936 per beneficiary per year • Co-payment of R1 000 per admission if pre-authorisation not obtained Alcohol and drug dependencies • Subject to pre-authorisation and managed care Allied health services • Includes chiropractors, dieticians, homeopaths, podiatrists, phytotherapists, social workers, orthoptists, acupuncturists and Chinese medicine practitioners • Limited to PMSA and block benefit

Alternatives to hospitalisation (sub-acute hospitals and private nursing) • Unlimited • Excludes frail care and recuperative holidays • Includes physical rehabilitation for approved conditions and post-surgical home nursing - Hospice: Unlimited, subject to PMB legislation Blood transfusion • Unlimited, subject to PMB legislation • Includes cost of blood, blood equivalents, blood products and transport thereof • Includes erythropoietin Breast reduction • No benefit, unless PMBDental services (conservative, restorative and specialised) • Subject to list of approved services and use of day theatres • General anaesthesia and conscious sedation subject to managed care rules • Only applicable for beneficiaries with severe trauma, impacted third molars or under the age of 8 years • Lingual and labial frenectomies under general anaesthesia for beneficiaries under the age of 8 years, subject to managed healthcare programme • Professional fees subject to shared limit with out-of-hospital dentistry benefit of R3 036 per beneficiary per year • Excludes osseo-integrated implants, all implant-related procedures and orthognathic surgery Emergency services (casualty department) • Paid from out-of-hospital GP services for non-PMB and unauthorised events GP services • Consultations and visits • Reimbursement according to Scheme-approved tariff file, applicable to both caesarean delivery and non-caesarean delivery Maternity (hospital, home birth and accredited birthing unit) • Subject to registration on the maternity programme prior to admission • Unlimited, subject to PMB legislation • Elective caesarean may be subject to second opinion • Includes midwife services • Co-payment of R1 000 per admission if pre-authorisation not obtained Medical technologists • Unlimited Mental health • Accommodation, theatre fees, medicine, hospital equipment, professional fees of GPs, psychiatrists and psychologists • Limited to R16 735 per family per year for non-PMBs • Maximum of 3 days hospitalisation by GP • Limited to 1 individual psychologist consultation or 1 group psychologist consultation per day. • Educational and industrial psychologists excluded. Oncology (chemo and radiotherapy) • In and out of hospital • Includes medicine and materials • Limit of R301 254 per family per year • Sub-limit of R227 708 per family per year for biological and similar specialised medicines • Includes cost of pathology, related radiology benefit, medical technologists and oncology medicines • Subject to MPL • Erythropoietin included in blood transfusion benefit • Excludes new chemo-therapeutic medicines that have not demonstrated a survival advantage of more than 3 months in advance and metastatic solid organ malignant tumours unless pre-authorised Organ and tissue transplants • Subject to clinical guidelines used in public facilities • Includes materials • Limited to R557 871 per beneficiary per year • Limit includes all costs associated with transplant, including immuno-suppressants • Authorised erythropoietin included in blood transfusion benefit • Organ harvesting limited to South Africa, except in the case of corneal grafts • Sub-limit of R18 937 per beneficiary per year for corneal grafts (imported corneal grafts subject to managed care rules) Pathology • Unlimited • Subject to pathology tests being related to admission diagnosis. Managed care rules apply Physiotherapy • Limited to R4 513 per beneficiary per year - Post-hip, knee and shoulder replacement or revision surgery physiotherapy • 10 post-surgery physiotherapy visits (shared with out-of-hospital visits) up to a limit of R4 764 per beneficiary per event used within 60 days of surgeryProstheses • Covers prostheses and surgically implanted internal devices, including all temporary prostheses, or/and all temporary or permanent devices used to assist with the guidance, alignment or delivery of internal prostheses and devices • Shared with medical and surgical appliances as well as external prostheses benefit of R37 960 per family per year • Scheme may obtain competitive quotes or arrange supply of prostheses • Bone cement paid from in-hospital benefit • Shared sub-limit with out-of-hospital prosthetics and appliances of R4 169 for foot orthotics and prosthetics with a sub-limit of R1 191 for orthotic shoes, foot inserts and levellers per beneficiary per year foot orthotics and prosthetics subject to formulary • Subject to internal and external devices being related to admission diagnosis and procedure Radiology (advanced) • Shared with out-of-hospital advanced radiology limit of R20 082 per family per year • Specific authorisation (in addition to hospital pre-authorisation) required for angiography, CT scans, MDCT, coronary angiography, MUGA scans, PET scans, MRI scans and radio-isotope studies Radiology (basic) • Unlimited • Managed care rules apply Renal dialysis • Subject to clinical guidelines used in public facilities • In and out of hospital • Includes materials • Includes related pathology tests if done by network provider • Limited to R239 083 per beneficiary per year for chronic dialysis • Acute dialysis included in the in-hospital benefit • Includes cost of pathology, radiology, medical technologists and immuno-suppressants • Erythropoietin included in blood transfusion benefit Specialist services • 100% of Scheme rate for non-network specialists • 130% of Scheme rate for established network specialists • Consultations and visits • Unlimited • Reimbursement according to Scheme-approved tariff fileSurgical procedures (including maxillo-facial surgery) • Unlimited • Excludes osseo-integrated implants, all implant related procedures and orthognathic surgery • Includes hospital procedures performed in practitioners’ rooms Out-of-Hospital BenefitsPersonal Medical Savings Account (PMSA) • Excludes PMB claims • 20% of annual gross contributions• Benefits pro-rated from join date Allied health services • Includes chiropractors, dieticians, homeopaths, podiatrists, phytotherapists, social workers, orthoptists, acupuncturists, and Chinese medicine practitioners • Limited to PMSA and block benefit Audiology, occupational therapy and speech therapy • Limited to PMSA and block benefit Block benefit (day-to-day benefit) • Claims paid against this benefit once PMSA limit is reached • Limited to R1 585 per family per year • Benefit is pro-rated from join date Circumcision • Global fee of R1 348 per beneficiary, which includes all related costs of post-procedure care within month of procedure • Out of hospital only Contraceptives (oral, insertables, injectables and dermal) • Subject to PMSA Dental services (conservative and restorative dentistry (includes plastic dentures) and special dentistry (includes metal base partial dentures))• Shared with in-hospital dentistry limit of R3 036 per beneficiary per year • No pre-authorisation for metal base partial dentures • General anaesthesia and conscious sedation require pre-authorisation and are subject to managed care rules (only applicable to beneficiaries with severe trauma, impacted third molars or under the age of 8 years) • Lingual and labial frenectomies under general anaesthesia for beneficiaries under the age of 8 years, subject to managed healthcare programme • Excludes osseo-integrated implants, all implant-related procedures and orthognathic surgery • 200% of Scheme rate for treatment of bony impactions of third molars under conscious sedation in doctors’ rooms • Panoramic x-rays limited to 1 x-ray every 3 years per beneficiary Emergency assistance (road and air) • Subject to use of emergency services DSP • Unlimited, subject to PMB legislation Network GP services • Consultations, visits and all other services • Limited to PMSA and block benefit • Benefit is pro-rated from join date • Reimbursement at 200% of Scheme rate for diagnostic procedures performed in doctors’ rooms instead of in hospital GP network extender benefit • For beneficiaries with chronic conditions registered on the disease management programme • 1 additional consultation at network GP once PMSA and block benefit is exhausted HIV infection, AIDS and related illness • Includes 1 consultation for diagnosis and initial counselling • Subject to PMBs and managed care • Pre-exposure prophylaxis included for high risk beneficiaries Infertility • Subject to use of DSP Maternity (ante- and post-natal care) • Subject to registration on the maternity programme • Subject to PMSA • Includes 2 x 2D ultrasound scans per pregnancy Maternity Benefit Programme (ante- and post-natal care) • No benefitMedical and surgical appliances and prostheses • Includes hearing aids, wheelchairs, mobility scooters, oxygen cylinders, nebulisers, glucometers, colostomy kits, diabetic equipment, foot orthotics and external prostheses • In and out of hospital • Shared limit with in-hospital internal prostheses of R37 960 per family per year • Sub-limit of R14 811 per family per year for medical and surgical appliances • Shared sub-limit with in-hospital prosthetics of R4 169 for foot orthotics and prosthetics with a sub-limit of R1 191 for orthotic shoes, foot inserts and levellers per beneficiary per year • Bilateral hearing aids every 36 months • Diabetic accessories and appliances, except for glucometers, to be claimed from the chronic medicine benefit • Scheme may obtain competitive quotes foot orthotics and prosthetics subject to formulary Mental health (Consultations, assessments, treatment and/or counselling by GP, Psychiatrist and Psychologist) • Consultations, assessments, treatments and/or counselling by GPs, psychiatrists and psychologists • Limited to PMSA and 1 individual psychologist consultation or 1 group psychologist consultation per day. Educational and industrial psychologists excluded• If offered as alternative to hospitalisation, then hospital benefits will apply Optical services (eye examinations, frames, lenses and contact lenses (permanent and disposable), refractive eye surgery) • Subject to optical managed care programme • Limited to PMSA and block benefit • Either spectacles or contact lenses (not both) can be claimed in a benefit year • Limited to 1 eye examination per beneficiary per year • Excludes variable tint and photochromic lenses • Benefit not pro-rated • Post-cataract surgery, optical PMB entitlement limited to the cost of bifocal lens not more than R1 000 for both lens and frame, with a sub-limit of R202 for frame • Frame sub-limit of R848 from the block benefit per beneficiary once PMSA is exhausted • Includes tinted lenses for albinism and proven photophobia Pathology • Limited to PMSA and block benefit • Includes liquid-based cytology pap smear

Physiotherapy • Limited to PMSA and block benefit - Post-hip, knee and shoulder replacement or revision surgery physiotherapy • 10 post-surgery physiotherapy visits (shared with in-hospital visits) up to a limit of R4 764 per beneficiary per event used within 60 days of surgery Prescribed medicine and injection material • Prescribed and administered by a professional legally entitled to do so • Subject to MPL and MEL - Acute medical conditions • Subject to PMSA and a limit of R500 per family per year for homeopatthic medicine • Subject to formulary • 30% co-payment on out-of-formulary medicine • Includes prescribed maternity vitamin supplements - Chronic medical conditions • Subject to prior application and approval and use of chronic medicine pharmacy DSP • Unlimited for CDL and DTP PMB conditions • All other non-PMB conditions subject to PMSA • 30% co-payment on out-of-formulary medicine and voluntary use of non-DSP - Prescribed medicine from hospital stay (TTO) • Subject to PMSA • TTO limited to 7 days and must be related to admission diagnosis and procedure - Self-medicine (OTC) • Subject to formulary. • Schedule 0, 1 and 2 medicine covered • Subject to PMSA and limited to R169 per beneficiary per event

Preventative care services • Serum cholesterol, bone density scan, pap smear (including liquid-based cytology), prostate specific antigen, glaucoma screening, serum glucose, occult blood test, Thyrotropin for neonatal hypothyroidism, mammogram and other screening according to evidence-based standard practice • Includes Influenza vaccinations, HPV vaccinations for female beneficiaries and Pneumococcal vaccinations • Pneumococcal vaccinations every 5 years for members with asthma and chronic obstructive pulmonary disease • Neonatal Hypothyroidism screening test TSH (Thyrotropin) tariff 4507 Radiology (advanced) • Shared with in-hospital advanced radiology limit of R20 082 per family per year • Specific authorisation required for angiography, CT scans, MDCT, coronary angiography, MUGA scans, PET scans, MRI scans and radio-isotope studies Radiology (basic) • X-rays and soft tissue ultrasound scans • 2 x 2D ultrasound scans provided for by maternity benefit • Subject to PMSA

Specialist services • Consultations, visits and all other services • 100% of Scheme rate for non-network providers •130% of Scheme rate for network specialists • Specialist consultations subject to referral by GP • Limited to PMSA and block benefit • Benefit is pro-rated from join date • Reimbursement at 200% of Scheme rate for procedures specified by managed care done in doctors’ rooms instead of in-hospital • Reimbursement at 200% of Scheme rate for cataract procedures performed by ophthalmologists in their rooms

EMERALD VALUEIn-Hospital BenefitsPrescribed minimum benefits (PMBs) • Unlimited, subject to PMB legislation • Service provided by DSP • PMBs override all benefit limitations Yearly hospital benefit (public hospitals, GEMS-approved private hospitals, registered unattached theatres, day clinics and psychiatric facilities • Unlimited • GEMS Hospital network • Includes accommodation in a general ward, high care ward and intensive care unit (ICU), theatre fees, medicines, materials and hospital equipment (including bone cement for prostheses) and neonatal care Subject to use of network providers A co-payment of R10 000 will apply if a non-network provider is used • Accommodation in private ward subject to motivation by attending practitioner • Non-PMB 1-day admissions limited to R15 936 per beneficiary per year, not pro-rated • Co-payment of R1 000 per admission if pre-authorisation not obtained Alcohol and drug dependencies • Subject to pre-authorisation and managed care and use of Network Allied health services • Includes chiropractors, dieticians, homeopaths, podiatrists, phytotherapist, social workers, registered counsellors, orthoptists, acupuncturists and Chinese medicine practitioners • Shared with out-of-hospital limit of R1 439 per family per year • Sub-limit of R720 per family for social workers and registered counsellors Subject to GP and Specialist referral rules • Subject to managed care protocols and services being related to admission diagnosis

Alternatives to hospitalisation (sub-acute hospitals and private nursing) • Unlimited • Excludes frail care and recuperative holidays • Includes physical rehabilitation for approved conditions and post-surgical home nursing - Hospice: • Unlimited, subject to PMB legislation Blood transfusion • Unlimited, subject to PMB legislation • Includes cost of blood, blood equivalents, blood products and transport thereof • Includes erythropoietin Breast reduction • Unlimited Dental services (conservative, restorative and specialised) • Subject to list of approved services and use of day theatres within the network • Shared with out-of-hospital dental services • Limited to R4 666 per beneficiary per year • General anaesthesia and conscious sedation subject to managed care rules • Only applicable to beneficiaries with severe trauma, impacted third molars or under the age of 8 years • Lingual and labial frenectomies under general anaesthesia for children under the age of 8 subject to managed healthcare programme • Excludes osseo-integrated implants, all implant-related procedures and orthognathic surgery Emergency services (casualty department) • Subject to use of facility as per in-hospital benefits or other registered emergency facility • Paid from out-of-hospital GP services if pre-authorisation is not obtained GP services • Consultations and visits • Unlimited • Reimbursement according to Scheme-approved tariff file • General practitioner nomination rules apply Maternity (including midwife, hospital, home birth or registered birthing unit) • Subject to use of network providers, registration on the Maternity Programme and managed care Elective Caesarian subject to second opinion Medical technologists • Unlimited • Subject to event pre-authorisation and case management Mental health • Accommodation, theatre fees, medicine, professional fees from GPs, psychiatrists, psychologists and registered counsellors • Limited to R16 735 per family per year •Limited to 1 individual psychologist consultation or 1 group psychologist consultation per day. Maximum of 3 days’ hospitalisation by GP • GP nomination rules apply • Educational and industrial psychologists excluded Oncology (chemo and radiotherapy) • In and out of hospital •Subject to use of network • Includes medicine and materials • Limited to R334 726 per family per year • Sub-limit of R227 708 per family per year for biological and similar specialised medicine • Includes cost of pathology, radiology, medical technologist and oncology medicine • Subject to MPL • Erythropoietin included in blood transfusion benefit • Excludes new chemotherapeutic medicines that have not demonstrated a survival advantage of more than 3 months in advanced and metastatic solid organ malignant tumours unless pre-authorised • Limited to 1 individual psychologist consultation or one group psychologist consultation per day • Educational and industrial psychologists excluded Organ and tissue transplants • Subject to clinical guidelines used in public facilities • Includes materials • Limited to R557 871 per beneficiary per year • Limit includes all costs associated with transplant including immuno-suppressants • Sub-limit of R18 937 per beneficiary per year for corneal grafts (imported corneal grafts subject to managed care rules) • Authorised erythropoietin included in blood transfusion benefit • Organ harvesting limited to South Africa, except for corneal tissue Pathology • Unlimited • Subject to pathology tests being related to admission diagnosis • Managed care rules apply Physiotherapy • Subject to use of network • Limited to R4 513 per beneficiary per year - Post-hip, knee and shoulder replacement or revision surgery physiotherapy • 10 post-surgery physiotherapy visits (shared with out-of-hospital visits) up to a limit of R4 764 per beneficiary per event used within 60 days of surgery • GP referral requiredProstheses • Covers prostheses and surgically implanted internal devices, including all temporary prostheses and all temporary or permanent devices used to assist with delivery of internal prostheses • Shared with medical and surgical appliances as well as out-of-hospital external prostheses limit of R37 960 per family per year • Scheme may obtain competitive quotes and arrange supply of prosthesis • Bone cement paid from in-hospital benefits • Shared sub-limit with out-of-hospital prosthetics and appliances of R4 169 for foot orthotics and prosthetics with a sub-limit of R1 191 for orthotic shoes, foot inserts and levellers per beneficiary per year • Foot orthotics and prosthetics subject to formulary • Subject to internal and external devices being related to admission diagnosis and procedure Radiology (advanced) • Shared with out-of-hospital advanced radiology limit of R20 082 per family per year • Specialist referral rules apply • Specific authorisation (in addition to hospital pre-authorisation) required for angiography, CT scans, MDCT, coronary angiography, MUGA scans, PET scans, MRI scans and radio-isotope studies Radiology (basic) • Unlimited • Specialist referral rules apply • Subject to use of network • Managed care rules apply Renal dialysis • Subject to clinical guidelines used in public facilities • In and out of hospital • Includes materials • Includes cost of radiology, medical technologists, material and immuno-suppressants • Includes related pathology tests done at network provider • Limited to R239 083 per beneficiary per year for chronic dialysis • Acute dialysis included in the in-hospital benefit • Erythropoietin included in blood transfusion benefit • Pathology and radiology test subject to managed care

Specialist services • Consultations and visits • Unlimited • Subject to GP referral and use of network provider. Reimbursement according to Scheme-approved tariff file • 100% of Scheme rate for non-network providers • 130% of Scheme rate for established network specialists Surgical procedures (including maxillo-facial surgery) • Unlimited • Subject to use of network or doctors’ rooms • Excludes osseo-integrated implants, all implant-related procedures and orthognathic surgery • Includes hospital procedures performed in practitioners’ rooms

Out-of-Hospital BenefitsPersonal Medical Savings Account (PMSA) • No PMSAAllied health services • Includes chiropractors, dieticians, homeopaths, podiatrists, phytotherapists, social workers, registered counsellors, orthoptists, acupuncturists and Chinese medicine practitioners • Shared with in-hospital allied health services limit of R1439 per family per year • Sub-limit of R720 per family for social workers and registered counsellors • Subject to PMBs Audiology, occupational therapy and speech therapy • Subject to day-to-day block benefit • Occupational or speech therapy performed in-hospital will be paid from the in-hospital benefit • Shared limit of R2 037 per beneficiary per year and R4 082 per family per year shared with pathology and medical technology • Sub-limit of R1 638 per beneficiary and R3 273 per family per year • GP nomination and specialist referral rules applyBlock benefit (day-to-day benefit) • Out-of-hospital GP and specialist services, physiotherapy, maternity (where not covered under maternity benefit programme), audiology, occupational therapy, speech therapy, pathology and medical technology •Subject to use of network Limited to R4 175 per beneficiary and R8 353 per family per year • Benefit is pro-rated from join date Circumcision • Global fee of R1 348 per beneficiary, which includes all related costs of post-procedure care within month of procedure • Out of hospital only • Subject to pre-authorisation Contraceptives (oral, insertables, injectables and dermal) • Subject to formulary • Subject to acute medicine benefit limit • Sub-limit of R2 396 per beneficiary per year Dental services (conservative and restorative dentistry (includes plastic dentures) and special dentistry (including metal base dentures)) • Subject to network use • Shared with in-hospital dentistry sub-limit of R4 666 per beneficiary per year • Excludes osseo-integrated implants, all implant-related procedures and orthognathic surgery • General anaesthesia and conscious sedation require pre-authorisation and are subject to managed care rules (only applicable to beneficiaries with severe trauma, impacted third molars or under the age of 8 years) • No pre-authorisation required for metal base dentures • Lingual and labial frenectomies under general anaesthesia for children under the age of 8 subject to managed healthcare programme • 200% of Scheme rate for treatment of bony impactions of third molars under conscious sedation in doctors’ rooms • Panoramic x-rays limited to one x-ray every three years per beneficiary. Emergency assistance (road and air) • Unlimited, subject to PMB legislation • Subject to use of emergency services DSP Network GP services • Member nominated GPs • Subject to day-to-day block benefit and the use of nominated GPs • A 30% co-payment will apply to any out-of-hospital visit to a GP other than the nominated GP, irrespective of the doctor being on the Network or not • Limited to R4 175 per beneficiary and R8 353 per family per year shared with specialist services, physiotherapy and maternity • Covers consultations and approved minor procedures at Member nominated network providers • Limit is pro-rated • Reimbursement at 200% of Scheme rate for procedures specified by managed care performed in doctors’ rooms instead of in hospital GP network extender benefit • For beneficiaries with chronic conditions registered on disease management programme • 1 additional GP consultation at a network GP once block benefit is exhausted • The additional GP consultation at a nominated DSP/Network provider is subject to pre-authorisation and managed care HIV infection, AIDS and related illness • Subject to PMBs and managed care • Pre-exposure prophylaxis included for high risk beneficiaries Infertility • Subject to use of DSP Maternity (ante- and post-natal care) • Subject to day to day block benefit where not accessed under the Maternity Programme Maternity Benefit Programme (Ante and post-natal care) • Subject to registration on the Maternity Management Programme and managed care • 2 X2D Ultrasounds per pregnancyMedical and surgical appliances and prostheses • Includes hearing aids, wheelchairs, mobility scooters, oxygen cylinders, nebulisers, glucometers, colostomy kits, diabetic equipment, foot orthotics and external prostheses • In and out of hospital • Shared with in-hospital internal prosthesis limit of R37 960 per family per year • Sub-limit of R14 811 for medical and surgical appliances per family per year • Shared sub-limit with in-hospital prosthetics of R4 169 for foot orthotics and prosthetics with a sub-limit of R1 191 for orthotic shoes, foot inserts and levellers per beneficiary per year • Foot orthotics and prosthetics subject to formulary • Bilateral hearing aids every 36 months • GP nomination and specialist referral rules apply Mental health (Consultations, assessments, treatment and/or counselling by GP, Psychiatrist and Psychologist) • Consultations, assessments, treatments and/or counselling by GPs, psychiatrists and psychologists • If out-of-hospital treatment offered as alternative to hospitalisation, then hospital benefits will apply • Shared with in-hospital mental health limit of R16 735 per family per year • Sub-limit of R4 963 for out-of-hospital psychologist consultations Limited to 1 Individual psychologist consultation and 1 group psychologist consultation per day • Educational and industrial psychologists excluded Optical services (eye examinations, frames, lenses and contact lenses (hard and disposable), refractive eye surgery) • All services included in benefit subject to optical managed care programme and network use • Either spectacles or contact lenses (not both) can be claimed for in a benefit year • Sub-limit of R2 097 per beneficiary every second year and yearly limit of R4 191 per family • Frames limited to R1 223 • Limited to 1 eye examination per beneficiary per year • Excludes variable tint and photochromic lenses • Benefit not pro-rated • Post cataract surgery, optical PMB entitlement limited up to the cost of bifocal lens and not more than R1 004 for both lens and frame, with a sub-limit of R199 for frame • Includes tinted lenses for albinism and proven photophobia, subject to pre-authorisation Pathology • Subject to day-to-day block benefit • Limit of R2 037 per beneficiary per year and R4 082 per family per year shared with audiology, occupational therapy and speech therapy • Includes liquid-based cytology pap smear

Physiotherapy • GP nomination and specialist referral rules apply • Subject to managed care and network use • Physiotherapy performed in a network hospital or instead of hospitalisation will be paid from in-hospital benefit • Sub-limit of R2 037 per beneficiary and R4 067 per family per year shared with GP services - Post-hip, knee and shoulder replacement or revision surgery physiotherapy • 10 post-surgery physiotherapy visits (shared with in-hospital visits) up to a limit of R4 764 per beneficiary per event used within 60 days of surgery Prescribed medicine and injection material • Prescribed and administered by a professional legally entitled to do so • GP nomination and specialist referral rules apply • Subject to MPL and MEL - Acute medical conditions • Subject to formulary • Limit R3 347 per beneficiary and R10 041 per family per year, subject to a sub-limit of R500 for homeopathic medicine per family per annum • 30% co-payment on out-of-formulary medicine • Includes prescribed maternity vitamin supplement • Homeopathic and alternative medicine excluded unless prescribed by a network GP - Chronic medical conditions • CDL and DTP PMB chronic conditions • Subject to prior application and approval and use of chronic medicine pharmacy DSP • Limit of R10 041 per beneficiary and R20 218 per family per year • Unlimited for PMBs, subject to PMB legislation • 30% co-payment on out-of-formulary medicine and voluntary use of non-DSP • Once limit is depleted, CDL benefit will be limited • Include benefit for life threatening allergies payable from risk and subject to managed care and formulary - Prescribed medicine from hospital stay (TTO) •Included in acute medicine benefit limit • TTO limited to 7 days and must be related to admission diagnosis and procedure - Self-medicine (OTC) • Subject to formulary • Schedule 0, 1 and 2 medicines covered • Subject to acute medicine benefit limit (event limit of R225 per beneficiary) and sub-limit of R843 per beneficiary per year and a yearly family limit of R1 348Preventative care services • Serum cholesterol, bone density scan, pap smear (including liquid-based cytology), prostate specific antigen, glaucoma screening, serum glucose, occult blood tests, Thyrotropin (TSH) for neonatal hypothyroidism, mammogram and other screening according to evidence-based standard practice • Includes Influenza vaccinations, HPV vaccinations for female beneficiaries and Pneumococcal vaccinations • Pneumococcal vaccinations every 5 years for members with asthma and chronic obstructive pulmonary disease • Neonatal Hypothyroidism screening test - TSH (Thyrotropin) tariff 4507 only GP nomination and specialist referral rules apply Radiology (advanced) • Shared limit with in-hospital advanced radiology of R20 082 per family per year • Specific authorisation required for angiography, CT scans, MDCT, coronary angiography, MUGA scans, PET scans, MRI scans and radio-isotope studies • GP nomination and specialist referral rules apply Radiology (basic)• X-rays and soft tissue ultrasound scans • 2 x 2D ultrasound scans provided for by maternity benefit • Sub-limit of R3 144 per beneficiary and R5 763 per family per year • GP nomination and specialist referral rules apply

Specialist services • Subject to day-to-day block benefit • Consultations, visits and all other services • Shared with GP services • 100% of Scheme rate for non-network providers • 130% of Scheme rate for established network specialists • Reimbursement at 200% of Scheme rate for procedures specified by managed care done in doctors’ rooms instead of in hospital • Reimbursement at 200% of Scheme rate for cataract procedures performed by ophthalmologists in their rooms • Subject to GP nomination and specialist referral rules • Limit is pro-rated from join date

EMERALDIn-Hospital BenefitsPrescribed minimum benefits (PMBs) • Unlimited, subject to PMB legislation • Service provided by DSP • PMBs override all other benefit limitations Yearly hospital benefit (public hospitals, GEMS-approved private hospitals, registered unattached theatres, day clinics and psychiatric facilities) • Unlimited • Services rendered by DSP• Includes accommodation in a general ward, high care ward and intensive care unit (ICU), theatre fees, medicines, materials and hospital equipment (including bone cement for prostheses) and neonatal care • Accommodation in private ward subject to motivation by attending practitioner • Non-PMB 1-day admissions limited to R15 936 per beneficiary per year, not pro-rated • Co-payment of R1 000 per admission if pre-authorisation not obtained Alcohol and drug dependencies • Subject to pre-authorisation and managed care Allied health services • Includes chiropractors, dieticians, homeopaths, podiatrists, phytotherapist, social workers, registered counsellors, orthoptists, acupuncturists and Chinese medicine practitioners • Shared with out-of-hospital limit of R1 439 per family per year • Sub-limit of R720 per family for social workers and registered counsellors Subject to managed care protocols and services being related to admission diagnosis

Alternatives to hospitalisation (sub-acute hospitals and private nursing) • Unlimited • Excludes frail care and recuperative holidays • Includes physical rehabilitation for approved conditions and post-surgical home nursing - Hospice: • Unlimited, subject to PMB legislation Blood transfusion • Unlimited, subject to PMB legislation • Includes cost of blood, blood equivalents, blood products and transport thereof • Includes erythropoietin Breast reduction • Unlimited Dental services (conservative, restorative and specialised) • Subject to list of approved services and use of day theatres • Shared with out-of-hospital dental services • Limited to R4 666 per beneficiary per year • General anaesthesia and conscious sedation subject to managed care rules • Only applicable to beneficiaries with severe trauma, impacted third molars or under the age of 8 years • Lingual and labial frenectomies under general anaesthesia for children under the age of 8 subject to managed healthcare programme • Excludes osseo-integrated implants, all implant-related procedures and orthognathic surgery Emergency services (casualty department) • Subject to use of facility as per in-hospital benefits or other registered emergency facility • Paid from out-of-hospital GP services if pre-authorisation is not obtained GP services • Consultations and visits • Unlimited • Reimbursement according to Scheme-approved tariff file Maternity (hospital, home birth or registered birthing unit) • Shared with GP services, where not accessed under the Maternity Programme and managed care Elective Caesarian subject to second opinion Medical technologists • Unlimited • Subject to event pre-authorisation and case management Mental health • Accommodation, theatre fees, medicine, professional fees from GPs, psychiatrists, psychologists and registered counsellors • Limited to R16 735 per family per year •Limited to 1 individual psychologist consultation or 1 group psychologist consultation per day • Maximum of 3 days’ hospitalisation by GP • GP nomination rules apply • Educational and industrial psychologists excluded Oncology (chemo and radiotherapy) • In and out of hospital • Includes medicine and materials • Limited to R334 726 per family per year • Sub-limit of R227 708 per family per year for biological and similar specialised medicine • Includes cost of pathology, radiology, medical technologist and oncology medicine • Subject to MPL • Erythropoietin included in blood transfusion benefit • Excludes new chemotherapeutic medicines that have not demonstrated a survival advantage of more than 3 months in advanced and metastatic solid organ malignant tumours unless pre-authorised • Limited to one individual psychologist consultation or one group psychologist consultation per day. Educational and industrial psychologists excluded. Organ and tissue transplants • Subject to clinical guidelines used in public facilities • Includes materials • Limited to R557 871 per beneficiary per year • Limit includes all costs associated with transplant including immuno-suppressants • Sub-limit of R18 937 per beneficiary per year for corneal grafts (imported corneal grafts subject to managed care rules) • Authorised erythropoietin included in blood transfusion benefit • Organ harvesting limited to South Africa, except for corneal tissue Pathology • Unlimited • Subject to pathology tests being related to admission diagnosis • Managed care rules apply Physiotherapy • Limited to R4 513 per beneficiary per year - Post-hip, knee and shoulder replacement or revision surgery physiotherapy • 10 post-surgery physiotherapy visits (shared with out-of-hospital visits) up to a limit of R4 764 per beneficiary per event used within 60 days of surgeryProstheses • Covers prostheses and surgically implanted internal devices, including all temporary prostheses and all temporary or permanent devices used to assist with delivery of internal prostheses • Shared with medical and surgical appliances as well as out-of-hospital external prostheses limit of R37 960 per family per year • Scheme may obtain competitive quotes and arrange supply of prosthesis • Bone cement paid from in-hospital benefits • Shared sub-limit with out-of-hospital prosthetics and appliances of R4 169 for foot orthotics and prosthetics with a sub-limit of R1 191 for orthotic shoes, foot inserts and levellers per beneficiary per year • Foot orthotics and prosthetics subject to formulary • Subject to internal and external devices being related to admission diagnosis and procedure Radiology (advanced) • Shared with out-of-hospital advanced radiology limit of R20 082 per family per year • Specific authorisation (in addition to hospital pre-authorisation) required for angiography, CT scans, MDCT, coronary angiography, MUGA scans, PET scans, MRI scans and radio-isotope studies Radiology (basic) • Unlimited • Managed care rules apply Renal dialysis • Subject to clinical guidelines used in public facilities • In and out of hospital • Includes materials • Includes cost of radiology, medical technologists, material and immuno-suppressants • Includes related pathology tests done at network provider • Limited to R239 083 per beneficiary per year for chronic dialysis • Acute dialysis included in the in-hospital benefit • Erythropoietin included in blood transfusion benefit • Pathology and radiology test subject to managed care

Specialist services • Consultations and visits • Unlimited • Reimbursement according to Scheme-approved tariff file • 100% of Scheme rate for non-network providers • 130% of Scheme rate for established network specialists Surgical procedures (including maxillo-facial surgery) • Unlimited • Excludes osseo-integrated implants, all implant-related procedures and orthognathic surgery • Includes hospital procedures performed in practitioners’ rooms

Out-of-Hospital BenefitsPersonal Medical Savings Account (PMSA) • No PMSAAllied health services • Includes chiropractors, dieticians, homeopaths, podiatrists, phytotherapists, social workers, registered counsellors, orthoptists, acupuncturists and Chinese medicine practitioners • Shared with in-hospital allied health services limit of R1439 per family per year • Sub-limit of R720 per family for social workers and registered counsellors Subject to PMBs Audiology, occupational therapy and speech therapy • Subject to day-to-day block benefit • Occupational or speech therapy performed in-hospital will be paid from the in-hospital benefit • Shared limit of R2 037 per beneficiary per year and R4 082 per family per year shared with pathology and medical technology • Sub-limit of R1 638 per beneficiary and R3 273 per family per yearBlock benefit (day-to-day benefit) • Out-of-hospital GP and specialist services, physiotherapy, maternity, audiology, occupational therapy, speech therapy, pathology and medical technology • Limited to R4 175 per beneficiary and R8 353 per family per year • Benefit is pro-rated from join date Circumcision • Global fee of R1 348 per beneficiary, which includes all related costs of post-procedure care within month of procedure • Out of hospital only Contraceptives (oral, insertables, injectables and dermal) • Subject to formulary • Subject to acute medicine benefit limit • Sub-limit of R2 396 per beneficiary per yearDental services (conservative and restorative dentistry (includes plastic dentures) and special dentistry (includes metal base dentures)) • Shared with in-hospital dentistry sub-limit of R4 666 per beneficiary per year • Excludes osseo-integrated implants, all implant-related procedures and orthognathic surgery • General anaesthesia and conscious sedation require pre-authorisation and are subject to managed care rules (only applicable to beneficiaries with severe trauma, impacted third molars or under the age of 8 years) • No pre-authorisation required for metal base dentures • Lingual and labial frenectomies under general anaesthesia for children under the age of 8 subject to managed healthcare programme • 200% of Scheme rate for treatment of bony impactions of third molars under conscious sedation in doctors’ rooms Panoramic x-rays limited to one x-ray every three years per beneficiary Emergency assistance (road and air) • Unlimited, subject to PMB legislation • Subject to use of emergency services DSP Network GP services • Subject to day-to-day block benefit • Limited to R4 175 per beneficiary and R8 353 per family per year shared with specialist services, physiotherapy and maternity • Covers consultations and approved minor procedures at GP • Limit is pro-rated • Reimbursement at 200% of Scheme rate for procedures specified by managed care performed in doctors’ rooms instead of in hospital GP network extender benefit • For beneficiaries with chronic conditions registered on disease management programme • 1 additional GP consultation at a network GP once block benefit is exhausted HIV infection, AIDS and related illness • Subject to PMBs and managed care Pre-exposure prophylaxis included for high risk beneficiaries Infertility • Subject to use of DSP Maternity (ante- and post-natal care) • Ante-natal visits subject to Maternity Programme protocols. Subject to registration on the Scheme’s Maternity Management Programme and managed care protocols and processes. Includes benefits defined in managed care protocols paid from risk and 2x2D ultrasounds per pregnancy. Maternity Benefit Programme (ante- and post-natal care) • No benefitMedical and surgical appliances and prostheses • Includes hearing aids, wheelchairs, mobility scooters, oxygen cylinders, nebulisers, glucometers, colostomy kits, diabetic equipment, foot orthotics and external prostheses • In and out of hospital • Shared with in-hospital internal prosthesis limit of R37 960 per family per year • Sub-limit of R14 811 for medical and surgical appliances per family per year • Shared sub-limit with in-hospital prosthetics of R4 169 for foot orthotics and prosthetics with a sub-limit of R1 191 for orthotic shoes, foot inserts and levellers per beneficiary per year • Foot orthotics and prosthetics subject to formulary • Bilateral hearing aids every 36 months Mental health (Consultations, assessments, treatment and/or counselling by GP, Psychiatrist and Psychologist) • Consultations, assessments, treatments and/or counselling by GPs, psychiatrists, psychologists • If out-of-hospital treatment offered as alternative to hospitalisation, then hospital benefits will apply • Shared with in-hospital mental health limit of R16 735 per family per year • Sub-limit of R4 963 for out-of-hospital psychologist consultations Limited to 1 Individual psychologist consultation and 1 group psychologist consultation per day • Educational and industrial psychologists excluded Optical services (frames, lenses and contact lenses (permanent and disposable), refractive eye surgery examinations) • All • All services included in benefit subject to optical managed care programme • Either spectacles or contact lenses (not both) can be claimed for in a benefit year • Sub-limit of R2 097 per beneficiary every second year and yearly limit of R4 191 per family • Frames limited to R1 223 • Limited to 1 eye examination per beneficiary per year • Excludes variable tint and photochromic lenses • Benefit not pro-rated • Post cataract surgery, optical PMB entitlement limited up to the cost of bifocal lens and not more than R1 004 for both lens and frame, with a sub-limit of R199 for frame • Includes tinted lenses for albinism and proven photophobia, subject to pre-authorisation Pathology • Subject to day-to-day block benefit • Limit of R2 037 per beneficiary per year and R4 082 per family per year shared with audiology, occupational therapy and speech therapy • Includes liquid-based cytology pap smear

Physiotherapy • Physiotherapy performed in hospital or instead of hospitalisation will be paid from in-hospital benefit • Sub-limit of 2 037 per beneficiary and R4 067 per family per year shared with GP services Post-hip, knee and shoulder replacement or revision surgery physiotherapy • 10 post-surgery physiotherapy visits (shared with in-hospital visits) up to a limit of R4 764 per beneficiary per event used within 60 days of surgery Prescribed medicine and injection material • Prescribed and administered by a professional legally entitled to do so • Subject to MPL and MEL - Acute medical conditions • Subject to formulary • Limit R3 347 per beneficiary and R10 041 per family per year, subject to a sub-limit of R500 for homeopathic medicine per family per year • 30% co-payment on out-of-formulary medicine • Includes prescribed maternity vitamin supplement • Homeopathic and alternative medicine excluded unless prescribed by a network GP - Chronic medical conditions • CDL and DTP PMB chronic conditions • Subject to prior application and approval and use of chronic medicine pharmacy DSP • Limit of R10 041 per beneficiary and R20 218 per family per year • Unlimited for PMBs, subject to PMB legislation • 30% co-payment on out-of-formulary medicine and voluntary use of non-DSP • Once limit is depleted, CDL benefit will be limited include benefit for life threatening allergies payable from risk and subject to managed care and formulary Prescribed medicine from hospital stay (TTO) • Included in acute medicine benefit limit • TTO limited to 7 days - Self-medicine (OTC) • Subject to formulary • Schedule 0, 1 and 2 medicines covered • Subject to acute medicine benefit limit (event limit of R225 per beneficiary) and sub-limit of R843 per beneficiary per year and a yearly family limit of R1 348 and must be related to admission diagnosis and procedurePreventative care services • Serum cholesterol, bone density scan, pap smear (including liquid-based cytology), prostate specific antigen, glaucoma screening, serum glucose, occult blood tests, Thyrotropin (TSH) for neonatal hypothyroidism, mammogram and other screening according to evidence-based standard practice • Includes Influenza vaccinations, HPV vaccinations for female beneficiaries and Pneumococcal vaccinations • Pneumococcal vaccinations every 5 years for members with asthma and chronic obstructive pulmonary disease • Neonatal Hypothyroidism screening test - TSH (Thyrotropin) tariff 4507 only Radiology (advanced) • Shared limit with in-hospital advanced radiology of R20 082 per family per year • Specific authorisation required for angiography, CT scans, MDCT, coronary angiography, MUGA scans, PET scans, MRI scans and radio-isotope studies Radiology (basic) • X-rays and soft tissue ultrasound scans • 2 x 2D ultrasound scans provided for by maternity benefit • Sub-limit of R3 144 per beneficiary and R5 763 per family per year

Specialist services • Subject to day-to-day block benefit • Consultations, visits and all other services • Shared with GP services • 100% of Scheme rate for non-network providers • 130% of Scheme rate for established network specialists • Reimbursement at 200% of Scheme rate for procedures specified by managed care done in doctors’ rooms instead of in hospital • Reimbursement at 200% of Scheme rate for cataract procedures performed by ophthalmologists in their rooms • Limit is pro-rated from join date

ONYXIn-Hospital BenefitsPrescribed minimum benefits (PMBs) • Unlimited, subject to PMB legislation • Service provided by DSP • PMBs override all benefit limitations Yearly hospital benefit (public hospitals, GEMS-approved private hospitals, registered unattached theatres, day clinics and psychiatric facilities) • Unlimited • Services rendered by DSP • Includes accommodation in a general ward, high care ward and intensive care unit (ICU), theatre fees, medicines, materials and hospital equipment (includes bone cement for prostheses) and neonatal care • Accommodation in a private ward is subject to motivation by attending practitioner • Non-PMB 1-day admissions limited to R15 936 per beneficiary per year, not pro-rated Alcohol and drug dependencies • Subject to pre-authorisation and managed care Allied health services • Includes chiropractors, dieticians, homeopaths, podiatrists, phytotherapists, social workers, registered counsellors, orthoptists, acupuncturists and Chinese medicine practitioners • Subject to day-to-day block benefit • Services performed in hospital instead of hospitalisation will be paid from in-hospital benefit • Shared sub-limit of R1 060 per family for social workers and registered counsellors Subject to services being related to admission diagnosis and managed care

Alternatives to hospitalisation (sub-acute hospitals and private nursing) • Unlimited • Excludes frail care and recuperative holidays • Includes physical rehabilitation for approved conditions • Includes post-surgical home nursing - Hospice: • Unlimited, subject to PMB legislation Blood transfusion • Unlimited • Includes cost of blood, blood equivalents, blood products and the transport thereof • Includes erythropoietin Breast reduction • Unlimited Dental services (conservative, restorative and specialised) • Subject to list of approved services and use of day theatres • Professional fees shared with out-of-hospital dentistry benefit limit of R8 325 per beneficiary per year • General anaesthesia and conscious sedation subject to managed care rules • Only applicable to beneficiaries with severe trauma, impacted third molars or under the age of 8 years • Lingual and labial frenectomies under general anaesthesia for beneficiaries under the age of 8 years, subject to managed healthcare programme • Excludes osseo-integrated implants, all implant-related procedures and orthognathic surgery • Hospital cost included in in-hospital benefit Emergency services (casualty department) • Subject to use of facility as per in-hospital benefits or other registered emergency facility • Paid from out-of-hospital GP services if pre-authorisation is not obtained GP services • Consultations and visits • Unlimited • Reimbursement according to Scheme-approved tariff file Maternity (hospital, home birth or registered birthing unit) • Subject to registration on the maternity programme prior to admission • Hospital birth unlimited • Subject to PMB legislation • Elective caesarean may be subject to second opinion • Includes midwife services • Co-payment of R1 000 per admission if pre-authorisation not obtained Medical technologists • Unlimited Mental health • Accommodation, theatre fees, medicine, hospital equipment, professional fees from GPs, psychiatrists and psychologists • Limited to R35 144 per family per year • Limited to 1 individual psychologist consultation or 1 group psychologist consultation per day. Maximum of 3 days hospitalisation by GP • Educational and industrial psychologists excluded Oncology (chemo and radiotherapy) • In and out of hospital • Includes medicine and materials • Limit of R439 330 per family per year • Sub-limit of R296 944 per family for biological and similar specialised medicines • Includes cost of pathology, related basic radiology above advanced radiology benefit, medical technologist and oncology medicine • Erythropoietin included in blood transfusion benefit • Excludes new chemotherapeutic medicines that have not demonstrated a survival advantage of more than 3 months in advanced and metastatic solid organ malignant tumours unless pre-authorised • Subject to MPL Organ and tissue transplants • Subject to clinical guidelines used in public facilities • Includes materials • Limited to R557 871 per beneficiary per year • Sub-limit of R18 937 per beneficiary per year for corneal grafts (imported corneal grafts subject to managed care protocols) • Limit includes all costs associated with transplant, including immuno-suppressants • Authorised erythropoietin included in blood transfusion benefit • Organ harvesting limited to South Africa, except for corneal tissue Pathology • Unlimited • Subject to pathology tests being related to admission diagnosis • Managed care rules apply Physiotherapy • Limited to R4 513 per beneficiary per year - Post-hip, knee and shoulder replacement or revision surgery physiotherapy • 10 post-surgery physiotherapy visits (shared with out-of-hospital visits) up to a limit of R4 764 per beneficiary per event used within 60 days of surgeryProstheses • Covers prostheses and surgically implanted internal devices, including all temporary prostheses and all temporary or permanent devices used to assist with delivery of internal prostheses • Shared with medical and surgical appliances and prostheses benefit limit of R51 279 per family per year • Scheme may obtain competitive quotes and arrange supply of prosthesis • Bone cement paid from in-hospital benefits • Shared sub-limit with out-of-hospital prosthetics and appliances of R4 169 for foot orthotics and prosthetics with a sub-limit of R1 191 for orthotic shoes, foot inserts and levellers per beneficiary per year • Foot orthotics and prosthetics subject to formulary • Subject to internal and external devices being related to admission diagnosis and procedure. Radiology (advanced) • Shared with out-of-hospital advanced radiology limit of R25 105 per family per year • Specific authorisation required for angiography, CT scans, MDCT, coronary angiography, MUGA scans, PET scans, MRI scans and radio-isotope studies Radiology (basic) • Unlimited • Managed care rules apply Renal dialysis • Subject to clinical guideline used in public facilities • In and out of hospital • Includes materials and pathology tests done at network provider • Limited to R239 083 per beneficiary per year for chronic dialysis • Acute dialysis included in the in-hospital benefit • Includes cost of pathology, radiology medical technologists, material and immuno-suppressants • Erythropoietin included in blood transfusion benefit Specialist services • Consultations and visits • Unlimited • Reimbursement according to Scheme approved tariff file • 100% of Scheme rate for non-network providers • 130% of Scheme rate for established network specialists Surgical procedures (including maxillo-facial surgery) • Unlimited • Excludes osseo-integrated implants, all implant related procedures and orthognathic surgery • Includes hospital procedures performed in practitioners’ rooms

Out-of-Hospital BenefitsPersonal Medical Savings Account (PMSA) • No PMSAAllied health services • Includes chiropractors, dieticians, homeopaths, podiatrists, phytotherapists, social workers, registered counsellors, orthoptists, acupuncturists and Chinese medicine practitioners • If offered as alternative to hospitalisation, then hospital benefits will apply • Shared sub-limit of R1 060 per family for social workers and registered counsellors Audiology, occupational therapy and speech therapy • Subject to day-to-day block benefit • If offered in hospital or instead of hospitalisation will be paid from hospital benefitsBlock benefit (day-to-day benefit) • Includes GP and specialist services, basic radiology, pathology, allied health services, physiotherapy, occupational therapy and speech therapy, mental health, maternity and contraceptives • Limited to R8 782 per beneficiary and R17 565 per family per year • Benefit is pro-rated from join date Circumcision (where not covered under the maternity benefit programme) • Global fee of R1 348 per beneficiary, which includes all related costs of post-procedure care within month of procedure • Out-of-hospital benefit only Contraceptives (oral, insertables, injectables and dermal) • Sub-limit of R3 184 per family per year Dental services (conservative and restorative dentistry (includes plastic dentures) and special dentistry (including metal base dentures)) • Shared limit with in-hospital dentistry of R8 325 per beneficiary per year • Panoramic x-rays limited to 1 x-ray every 3 years per beneficiary. Excludes osseo-integrated implants, all implant-related procedures and orthognathic surgery • General anaesthesia and conscious sedation subject to pre-authorisation (only applicable to beneficiaries with severe trauma, impacted third molars or under the age of 8 years) • No pre-authorisation for metal base dentures • 200% of Scheme rate for treatment of bony impactions of third molars under conscious sedation in doctors’ rooms • Lingual and labial frenectomies under general anaesthesia for beneficiaries under the age of 8 years, subject to managed healthcare programme and pre-authorisation Emergency assistance (road and air) • Unlimited, subject to PMB legislation • Subject to use of emergency services DSP Network GP services • Consultation, visits and all other services • Limit is pro-rated from the join date • Reimbursement at 200% of Scheme rate for procedures performed in doctors’ rooms instead of in hospital • Consultations and approved minor procedures at GP GP network extender benefit • For beneficiaries with chronic conditions registered on disease management programme • 1 additional GP consultation at a network GP once block benefit is exhausted HIV infection, AIDS and related illness • Subject to PMBs and managed care • Pre-exposure prophylaxis included for high risk beneficiaries subject Infertility • Subject to use of DSP Maternity (ante- and post-natal care) • Subject to PMBs • Ante-natal visits where not accessed under the Maternity Programme Maternity Benefit Programme (ante- and post-natal care) • Subject to registration on the Scheme’s Maternity Management Programme and managed care protocols and processes. • 2 X 2D ultrasounds per pregnancy. Medical and surgical appliances and prostheses • Includes hearing aids, wheelchairs, mobility scooters, oxygen cylinders, nebulisers, glucometers, colostomy kits, diabetic equipment, foot orthotics and external prostheses • In and out of hospital • Shared with in-hospital prostheses limit of R51 279 per family per year • Sub-limit of R17 143 for medical and surgical appliances per family per year • Diabetic accessories and appliances, except for glucometers, to be claimed from the chronic medicine benefit • Shared sub-limit with in-hospital prosthetics and appliances of R 4 169 for foot orthotics and prosthetics with a sub-limit of R1 191 for orthotic shoes, foot inserts and levellers per beneficiary per year • Foot orthotics and prosthetics subject to formulary • Bilateral hearing aids every 36 months Mental health (Consultations, assessments, treatment and/or counselling by GP, Psychiatrist and Psychologist) • Consultations, assessments, treatments and/or counselling by GPs, psychiatrists and psychologists • If offered as alternative to hospitalisation, then hospital benefits will apply • Limited to 1 individual psychologist consultation or 1 group psychologist consultation per day • Educational and industrial psychologists excluded Optical services (eye examinations, frames, lenses and contact lenses (hard and disposable), refractive eye surgery) • Overall limit of R2 474 per beneficiary every second year and a yearly limit of R4 961 per family • Sub-limit of R1 978 per frame • Either spectacles or contact lenses (not both) can be claimed for in a benefit year • Limited to 1 eye examination per beneficiary per year • Excludes variable tint and photochromic lenses • Benefit is not pro-rated • Post-cataract surgery, optical PMB entitlement limited to the cost of a bifocal lens and not more than R1 004 for both lens and frame, with a sub-limit of R198 for frame • Includes tinted lenses for albinism and proven photophobia, subject to pre-authorisation

Pathology • Includes liquid-based cytology pap smears

Physiotherapy • If offered in hospital or instead of hospitalisation will be paid from hospital benefits - Post-hip, knee and shoulder replacement or revision surgery physiotherapy • 10 post-surgery physiotherapy visits (shared with in-hospital visits) up to a limit of R4 764 per beneficiary per event used within 60 days of surgery Prescribed medicine and injection material • Prescribed and administered by a professional legally entitled to do so • Subject to MPL and MEL - Acute medical conditions • Subject to formulary • Limit of R5 642 per beneficiary and R15 804 per family per year, subject to a sub-limit of R500 per family per year for homeopathic medicine • 30% co-payment on out-of-formulary medicine - Chronic medical conditions • CDL and DTP PMB chronic conditions • Subject to prior application and approval and use of chronic medicine pharmacy DSP • Includes benefit for life threatening allergies payable from risk and subject to managed care and formulary • Limit of R17 146 per beneficiary and R35 144 per family per year • Unlimted for PMBs, subject to PMB legislation • 30% co-payment on out-offormulary medicine and voluntary use of non-DSP • Once limit is depleted, CDL benefit will be limited - Prescribed medicine from hospital stay (TTO) • Included in acute medicine benefit limit • TTO limited to 7 days and must be related to admission diagnosis and procedure - Self-medicine (OTC) • Only schedule 0, 1 and 2 covered • Subject to acute medicine benefit limit and sub-limit of R1 703 per family per year, R1 028 per beneficiary per year and R281 per beneficiary per event Preventative care services • Serum cholesterol, bone density scan, pap smear (including liquid-based cytology), prostate specific antigen, glaucoma screening, serum glucose, occult blood test, Thyrotropin (TSH) practice • Includes Influenza vaccinations, HPV vaccinations for female beneficiaries and Pneumococcal vaccinations • Pneumococcal vaccinations every 5 years for members with asthma and chronic obstructive pulmonary disease • Neonatal Hypothyroidism screening test - TSH (Thyrotropin) tariff 4507 only Radiology (advanced) • Shared limit with in-hospital advanced radiology of R25 105 per family per year • Specific authorisation required for angiography, CT scans, MDCT, coronary angiography, MUGA scans, PET scans, MRI scans and radio-isotope studies Radiology (basic) • X-rays and soft tissue ultrasound scans • 2 x 2D ultrasound scans per pregnancy provided for by maternity benefit

Specialist services • Consultation, visits and all other services • 100% of Scheme rate for non-network providers • 130% of Scheme rate for established network specialists • Specialist consultations subject to GP referral • Limit is pro-rated from the join date • Reimbursement at 200% of Scheme rate for procedures specified by managed care done in doctors’ rooms instead of in hospital • Reimbursement at 200% of Scheme rate for cataract procedures performed by ophthalmologists in their rooms

GlossaryACDL: Additional Chronic Disease List. A list of chronic diseases the Scheme covers in addition to the CDL.

Benefit option: Each of the six GEMS benefit options – Sapphire, Beryl, Ruby, Emerald Value, Emerald and Onyx – have a different cost and range of healthcare benefits.

Benefit schedule: A listing of the benefits provided for by each benefit option.

CDL: Chronic Disease List. A list of the 26 specific chronic diseases we need to provide a minimum level of cover for, as stated by law.

CT and MRI scans: Special x-rays taken of the inside of your body to try to find the cause of a medical condition.

DMP: Disease Management Programme. Specific care programmes to help members manage various chronic conditions.

DSP: Designated Service Provider. A healthcare provider the Scheme has an agreement with to provide specific services to members at specific prices.

DTP: The Diagnosis and Treatment Pairs is a list of the 270 PMBs in the Medical Schemes Act linked to the broad treatment for specific conditions.

GP: General Practitioner. A doctor based in the community who treats patients with minor or chronic illnesses and refers those with serious conditions to a hospital.

MEL: Medicine Exclusion List. A list of medicines that GEMS does not cover.

MPL: Medicine Price List. A reference we use to work out the prices of groups of medicines.

Pre-authorisation (PAR): The process of informing GEMS of a planned procedure before the event, so that we can assess whether we will cover it. Pre-authorisation must be obtained at least 48 hours before the event. In emergency cases authorisation must be obtained within one working day after the event. Failing to get authorisation will incur a co-payment of R1 000 per admission.

PDF: Professional Dispensing Fee. A maximum fee that a pharmacist or dispensing doctor may charge for their services, as set out in South African law.

PMSA: Personal Medical Savings Account. The portion of your monthly contribution allocated to a savings account held in your name. This account is to pay for your out-of-hospital medical expenses. Only applicable to the Ruby option.

PMBs: Prescribed Minimum Benefits. Basic benefits that GEMS provides for certain medical conditions. GEMS, like all other medical schemes in South Africa, must offer these benefits according to the law.

Scheme rate: The price agreed by the Scheme for the payment of healthcare services given by service providers to members of the Scheme.

SEP: Single Exit Price. The one price that a medicine manufacturer or importer charges for medicine to all its customers. This price is set out in South African law.

TTO: Treatment Taken Out. The medicine you receive when you are discharged from hospital. Usually lasts for seven days.

GEMS Hospital Network List

Working towards a healthier you

Clinix Hospital List

• Clinix Botshelong - Empilweni Private Hospital (Pty) Ltd• Clinix Itokolle - Victoria Private Hospital• Clinix Naledi - Nkanyezi Private Hospital• Clinix Phalaborwa Private Hospital• Clinix Tshepo - Themba Private Hospital• Dr SK Matseke Memorial Hospital

Life Healthcare Facility List

• Genesis Clinic - Saxonwold• Life Anncron Hospital• Life Bay View Private Hospital• Life Beacon Bay Hospital• Life Bedford Gardens Private Hospital• Life Brenthurst Clinic• Life Brooklyn Surgical Centre• Life Carstenhof Clinic• Life Chatsmed Garden Hospital• Life Cosmos Hospital• Life Dalview Hospital• Life East London Private Hospital• Life East London Private Hospital Sub Acute• Life Empangeni Garden Clinic• Life Entabeni Hospital• Life Eugene Marais Hospital• Life Eugene Marais Rehabilitation Unit• Life Faerie Glen Hospital• Life Flora Clinic• Life Fourways Hospital• Life Glynnview Private Hospital (Psychiatric)• Life Glynnwood Hospital• Life Groenkloof Hospital• Life Health St Dominic’s Sub-Acute • Life Hilton Private Hospital

• Life Hunterscraig Psychiatric Hospital• Life Isivivana Private Hospital• Life Kingsbury Hospital• Life Knysna Private Hospital• Life Mercantile Private Hospital• Life Midmed Hospital• Life Mount Edgecombe Hospital• Life New Kensington Clinic Pysical Rehabilitation Unit• Life New Kensington Clinic• Life Pasteur Hospital - Life Rehabilitation Centre• Life Pasteur Hospital - Private Sub Acute Facility• Life Peglerae Hospital• Life Peninsula Eye Hospital• Life Piet Retief Hospital• Life Poortview Hospital• Life Pretoria North Surgical Centre• Life Queenstown Private Hospital• Life Rehabilitation at Entabeni• Life Riverfield Lodge• Life Riverfield Lodge (Life Rehabilitation)• Life Robinson Private Hospital• Life Roseacres Clinic• Life Rosepark Hospital• Life Sports Science Orthopaedic Surgical Day Centre• Life Springs Parkland Clinic• Life St Dominic’s Hopital• Life St Dominic’s Hospital Rehabilitation Unit• Life St George’s Hospital (Pty) Ltd• Life St James’ Hospital • Life St Mark’s Clinic (Pty) Ltd• Life St Mary’s Private Hospital• Life Suikerbosrand Clinic• Life The Crompton Hospital• Life Vincent Pallotti Rehabilitation Unit - Pinelands• Life Vincent Pallotti Hospital• Life West Coast Private Hospital• Life Westville Hospital• Life Wilgeheuwel Day Clinic• Life Wilgeheuwel Hospital• Life Wilgers Hospital

Medicross Theatre Clinic List

• Medicross Bluff Medical & Dental Centre (Theatre)• Medicross Boksburg Medical & Dental Centre (Theatre)• Medicross Constantia Park - Day Surgery• Medicross Germiston Medical & Dental Centre• Medicross Langeberg Medical & Dental Centre• Medicross Malvern - Day Surgery• Medicross Monte Vista Kliniek• Medicross Parow Medical & Dental Centre (Theatre)• Medicross Pinetown Medical & Dental Centre (Theatre)• Medicross Potchefstroom Baby Clinic• Medicross Silverton Medical & Dental Centre (Theatre)• Medicross Tokai Family Medical & Dental Centre (Theatre)

Medicross Step Down Facility

• Wembley House

Netcare Facility List

• Netcare Akasia Hospital• Netcare Alberlito Hospital• Netcare Bell Street Hospital• Netcare Blaauwberg Hospital• Netcare Bougainville Private Hospital • Netcare Ceres Private Hospital• Netcare Christiaan Barnard Memorial Hospital• Netcare Clinton Hospital• Netcare Constantia Day Hospital• Netcare Cuyler Hospital• Netcare Femina Hospital• Netcare Ferncrest Hospital• Netcare Garden City Hospital• Netcare Greenacres Hospital (Pty) Ltd• Netcare Jakaranda Hospital• Netcare Kingsway Hospital• Netcare Kokstad Private Hospital• Netcare Kroon Hospital• Netcare Krugersdorp Hospital• Netcare Kuils River Hospital• Netcare Linksfield Hospital• Netcare Linkwood Hospital• Netcare Linmed Hospital• Netcare Margate Hospital• Netcare Milpark Hospital• Netcare Montana Private Hospital• Netcare Moot General Hospital• Netcare Mulbarton Hospital• Netcare N1 City Hospital• Netcare N17 Private Hospital (Pty) Ltd• Netcare Olivedale Hospital• Netcare Optiklin Eye Hospital• Netcare Parklands Hospital• Netcare Park Lane Hospital• Netcare Pelonomi Private Hospital

• Netcare Pholoso Hospital• Netcare Pinehaven Hospital• Netcare Port Alfred Private Hospital• Netcare Pretoria East Hospital• Netcare Protea Day Clinic• Netcare Rand Hospital• Netcare Rehabilitation Hospital• Netcare Rosebank Hospital• Netcare Settlers Private Hospital• Netcare St Anne’s Hospital• Netcare St Augustine’s Hospital• Netcare Sunninghill Hospital• Netcare Sunward Park Hospital• Netcare The Bay Hospital• Netcare UCT Private Academic Hospital• Netcare Umhlanga Hospital• Netcare Union Hospital• Netcare Unitas Hospital• Netcare Universitas Private Hospital• Netcare Vaalpark Hospital• Netcare Waterfall City Hospital

NHN Facilities

• Botshilu Private Hospital• Crossmed Mthatha Private Hospital• Kiaat Private Hosptial• Lenmed Daxina Private Hospital• Lenmed Health Ahmed Kathrada Private Hospital• Lenmed Health Kathu Private Hospital• Lenmed La Verna Hospital• Lenmed Randfontein Private Hospital• Lenmed Shifa Private Hospital• Lowveld Hospital• Matatiele Private Hospital • Melomed Bellville• Melomed Gatesville• Melomed Mitchell's Plain• Melomed Tokai • Quality Care Private Hospital• St. Helena Private Hospital• The Fountain Private Hospital• Vryburg Private Hospital• Zamokuhle Private Hospital• Zoutpansberg Private Hospital