Evolving with you BENEFITS BROCHURE 2017

Transcription

1 Evolving with you BENEFITS BROCHURE 2017

2 About Us The Chartered Accountants Medical Aid Fund (CAMAF), which was established in 1951, was originally designed for accounting professionals and offers superior benefits to qualifying members. As the fund focuses on a niche market, it is able to provide a range of benefits that significantly surpass those offered by most open schemes. Always ahead of the curve, CAMAF strongly values innovation, and covers many procedures performed with the very latest technology. It also has a distinctly holistic focus, combining excellent healthcare benefits with an actively managed wellness programme. This is complemented by its loyalty programme, Multiply, which offers a range of attractive rewards for doing the everyday things that ensure a healthy and happy life. CAMAF is a trusted medical aid that gives its members peace of mind when it comes to the management of the scheme, as its Board of Trustees is made up of professionals who have a high regard for good corporate governance. They ensure that the delivery of excellent products and services is suitably balanced with sound reserves. While CAMAF provides cover mainly for companies, it also accepts individual members subject to certain approved qualifications (see Criteria for Individual Membership).

3 Camaf Benefit Option Summary: Star Rating Hospital and Chronic V EP N FC DP A Vital Essential Plus Network Choice First Choice Double Plus Alliance Day to Day - - Preventative Wellness Benefits MSA (savings) Monthly Contribution Rates Contact Us

4 Camaf Benefit Options: Quick Summary V EP N FC DP A Vital Essential Plus Network Choice First Choice Double Plus Alliance Hospital Facility Fees Any private hospital Any private hospital Netcare hospitals only Any private hospital Any private hospital Any private hospital. Private wards Attending Doctor's and Specialists in Hospital Up to 300% CBT Up to 200% CBT Up to 100% CBT Up to 100% CBT Up to 300% CBT Up to 300% CBT Chronic condition cover: medicines and consults 63 Conditions 27 Conditions 27 Conditions 27 Conditions 63 Conditions 64 Conditions Radiology and Pathology Unlimited In or Out of Hospital Unlimited In Hospital. Out of Hospital from MSA Limits apply In and Out of hospital Limits apply In and Out of hospital Unlimited In or Out of Hospital Unlimited In or Out of Hospital Preventative Wellness Benefits Day to Day Overall Limit (Principal Member) Medical Savings Account (Principal Member) 14 extra benefits 4 extra benefits 10 extra benefits 10 extra benefits 14 extra benefits 14 extra benefits - - R2 840 for Medicines. R8 750 for Specialists. R2 840 for Other. From DSP only R2 840 for Medicines. R8 750 for Specialists. R2 840 for Other. Paid at 80% R R R R4 056 R6 204

5 V Benefit Option Quick Summary: Vital Any Private Hospital: No limits Attending Doctors and Specialists: Up to 300% of CBT 63 Chronic Conditions: Medication and consultations. Covers the medication and necessary consultations and procedures. Includes unlimited appropriate biological drugs and specialised technology as well as door to door medication delivery Unlimited X-Rays and Blood Tests IN and OUT of hospital including MRI s and CT s Screening Benefits 3 Month post hospitalisation benefit External Appliances: Wheelchair, hearing aid, breast pump, baby sleep monitor Check-Ups and Vaccines: GP, Specialist, Dental, Optometry, ECG

6 V VITAL All benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in the Regulations listed in the Medical Schemes Act. In Hospital and Prescribed Minimum Benefits Hospital Accommodation 100% of Negotiated Rate in general ward and specialised units Including confinements, subject to pre-authorisation Attending Doctors and Specialists Consultations Up to 300% CBT MEDICAL AND SURGICAL PROCEDURES INCLUDING 100% of Scheme Rate CONFINEMENTS SUBJECT TO PRE-AUTHORISATION SUPPLEMENTARY Healthcare In Hospital 100% CBT (Eg. Physiotherapy and Psychotherapy) Blood Transfusions 100% of cost (In and Out of Hospital) Radiology In Hospital 100% CBT Advanced Scans (Mri/Ct/Pet) 100% CBT Subject to pre-authorisation Pathology 100% Negotiated Rate In hospital Internal Prosthesis 100% of cost Subject to pre-authorisation Home Nursing 100% CBT Up to 21 days, subject to pre-authorisation Step Down Approved Facilities (Only, up to 90 Days) 100% Negotiated Rate Subject to pre-authorisation Medication 100% SEP plus dispensing fee In Hospital Tto Medication 100% SEP plus dispensing fee up to one week s supply PMB applied to hospital based treatment and limited to one rehabilitation treatment per beneficiary per year, Substance Abuse subject to pre-authorisation and limited to 21 days Chronic Pmb Cdl Medication and Treatment - Subject to Pre-authorisation and Protocols 100% SEP plus a dispensing fee, subject to RP and DSP. Consultations and procedures - at cost Refer To Chronic Disease List Pmb Dtp Treatment Out Of Hospital Treatment Subject To Registration Medication - SEP plus dispensing fee, subject to RP and DSP. Consultations and procedures - at cost Of Condition And Pre-Authorisation Oncology Medication - 100% SEP plus a dispensing fee, subject to RP and DSP. Consultations and procedures Subject to pre-authorisation and ICON Protocols # - at 100% Scheme Rate. The ICON Core benefits apply #Please refer to website for ICON benefit structures

7 V VITAL All benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in the Regulations listed in the Medical Schemes Act. Preventative Wellness Cover Camaf Lifestyle Programme Per Adult Beneficiary INCLUDES: Free health risk assessment at Clicks, Dischem or Pick n Pay pharmacy Access to e Care portal with online wellness solutions to monitor your health and promote balanced, healthy living Comprehensive wellness report plus personalised health articles in weekly s when you complete your wellness assessment online. One Gp Consultation Only 100% CBT per beneficiary ICD 10 Code Specific to General Check Up Only One Specialist Consultation ICD 10 Code Specific to General Check Up Only. Gynaecologists, Urologists, or Specialist Physicians** 100% CBT per beneficiary For Beneficiaries over 16 years. Paediatricians for Beneficiaries under 16 Years Psychotherapy 100% CBT limited to R per beneficiary One Dietician Consultation 100% CBT per beneficiary One Dentistry Consultation 100% CBT per beneficiary General Check Up Only - excludes consumables ONE Ecg (Performed By Gp Or Specialist Physician**) 100% CBT per adult beneficiary ICD 10 Code Specific to General Check Up Only - excludes consumables Within the PPN Network: 100% of cost for a composite consultation inclusive of the refraction, One Optometrist Consultation a glaucoma screening, and visual field screening. Outside of the PPN Network: 100% Optical Assistant Rates Metabolic Screening For New Born Babies 100% Negotiated Rate per new born baby Immunisation AND VACCINES SEP plus a dispensing fee, limited to R1 480 per beneficiary (Cost of Immunisation and Vaccine Only Cervical Cancer Vaccine Females between 9 and 16 years of age (Cost of Vaccine Only) (SEP plus dispensing fee) One Hiv Vct Test 100% cost per beneficiary Melanoma Screening Test 100% CBT per adult beneficiary Negotiated discount with Cryo-Save. Note: Please note that CAMAF does not cover expenses related to cord blood stem cell harvesting, testing and storage as this is not treatment for a specific medical Umbilical Stem Cell Harvesting condition. The cash discount that is offered is passed directly on to you and is not paid from your health plan benefits. **Please note that Specialist Physician only refers to the discipline of Specialist Physician and not to subspecialists like Pulmonologists or Gastroenterologists.

8 V VITAL All benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in the Regulations listed in the Medical Schemes Act. Other Benefits (Per Beneficiary) Not Subject to the Annual Overall Benefit Limit Basic And Advanced Radiology Out Of Hospital Must be performed by a registered Radiologist, on 100% CBT referral from medical practitioner only. Advanced scans (mri/ct/pet) subject to pre-authorisation Pathology Out of Hospital Performed by a registered Pathologist and referred 100% Negotiated Rate or CBT by a Medical Practitioner PRE-AUTHORISATION REQUIRED FOR ADVANCED PATHOLOGY Post-Hospitalisation 300% CBT for attending practitioners Consultations and Treatment up to 90 days 100% CBT for auxiliary services Medication For Additional Chronic Conditions 100% SEP plus a dispensing fee, subject to RP and DSP (Subject to pre-authorisation) refer to Consultations 100% CBT Additional Chronic Conditions List External Appliances In and out of hospital - purchase, hire and maintenance Hearing aids - 1 claim per 3 year Cycle for over 16 years of age, younger than 16 years of age - 18 month cycle Wheelchairs - 3 year cycle Insulin pumps, subject to Pre-authorisation AND DSP - 4 year cycle Breast Pumps and Apnoea Monitors - three months prior to expected due date and within six months after the birth of the baby. Subject to registration on the Mother to be Programme 100% of cost subject to the overall limit of R per beneficiary and subject to the following sub-limits: Hearing Aids: R Wheelchairs for Quadriplegics: R Standard Wheelchairs: R Insulin Pumps: R Other external appliances: R Baby Apnoea monitors: R Breast pumps: R R10 million per beneficiary per journey for emergency medical costs while you travel outside South Africa. International Travel Cover This cover is for a period of 90 days from your departure from South Africa. Pre-existing conditions are excluded. Netcare 911 Emergency Services Unlimited - Subject to Netcare 911 authorisation

9 V Monthly Contribution Rates: Vital Total Monthly Contribution Adult R1 991 Child R1 038

10 EP Benefit Option Quick Summary: Essential Plus Any Private Hospital: No limits Attending Doctors and Specialists: Up to 200% of CBT 27 Chronic Conditions: Medication and consultations Unlimited X-Rays and Blood Tests IN hospital including MRI and CT scans Screening Benefits Psychotherapy and Immunisation Benefits

11 EP ESSENTIAL PLUS All benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in the Regulations listed in the Medical Schemes Act. In Hospital and Prescribed Minimum Benefits Hospital Accommodation 100% of Negotiated Rate in general ward and specialised units Including confinements, subject to pre-authorisation Attending Doctors and Specialists Consultations Up to 200% CBT MEDICAL AND SURGICAL PROCEDURES INCLUDING 100% of Scheme Rate CONFINEMENTS SUBJECT TO PRE-AUTHORISATION SUPPLEMENTARY Healthcare In Hospital 100% CBT (Eg. Physiotherapy and Psychotherapy) Blood Transfusions 100% of cost (In and Out of Hospital) Radiology In Hospital 100% CBT Advanced Scans (Mri/Ct/Pet) 100% CBT Subject to pre-authorisation Pathology 100% Negotiated Rate In hospital Internal Prosthesis 100% of cost Subject to pre-authorisation Home Nursing 100% CBT Up to 21 days, subject to pre-authorisation Step Down Approved Facilities (Only, up to 90 Days) 100% Negotiated Rate Subject to pre-authorisation Medication 100% SEP plus dispensing fee In Hospital Tto Medication 100% SEP plus dispensing fee up to one week s supply PMB applied to hospital based treatment and limited to one rehabilitation treatment per beneficiary per year, Substance Abuse subject to pre-authorisation and limited to 21 days Chronic Pmb Cdl Medication and Treatment - Subject to Pre-authorisation and Protocols 100% SEP plus a dispensing fee, subject to RP and DSP. Consultations and procedures - at cost Refer To Chronic Disease List Pmb Dtp Treatment Out Of Hospital Treatment Subject To Registration Medication - SEP plus dispensing fee, subject to RP and DSP. Consultations and procedures - at cost Of Condition And Pre-Authorisation Oncology Medication - 100% SEP plus a dispensing fee, subject to RP and DSP. Consultations and procedures Subject to pre-authorisation and ICON Protocols # - 100% DSP Tariff. The DSP is the ICON network. The ICON Essential benefits apply #Please refer to website for ICON benefit structures

12 EP Preventative Wellness Cover CAMAF LIFESTYLE PROGRAMME PER ADULT BENEFICIARY ESSENTIAL PLUS All benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in the Regulations listed in the Medical Schemes Act. INCLUDES: Free health risk assessment at Clicks, Dischem or Pick n Pay pharmacy Access to e Care portal with online wellness solutions to monitor your health and promote balanced, healthy living Comprehensive wellness report plus personalised health articles in weekly s when you complete your wellness assessment online. ONE GP CONSULTATION ONLY Subject to Medical Savings Account ICD 10 CODE SPECIFIC TO GENERAL CHECK UP ONLY One Specialist Consultation ICD 10 Code Specific to General Check Up Only. Gynaecologists, Urologists, or Specialist Physicians** Subject to Medical Savings Account For Beneficiaries over 16 years. Paediatricians for Beneficiaries under 16 Years PSYCHOTHERAPY 100% CBT limited to R per beneficiary ONE DIETICIAN CONSULTATION Subject to Medical Savings Account ONE DENTISTRY CONSULTATION Subject to Medical Savings Account GENERAL CHECK UP ONLY - excludes consumables ONE Ecg (PERFORMED BY GP OR SPECIALIST PHYSICIAN**) Subject to Medical Savings Account ICD 10 CODE SPECIFIC TO GENERAL CHECK UP ONLY - excludes consumables ONE OPTOMETRIST CONSULTATION Subject to Medical Savings Account METABOLIC SCREENING FOR NEW BORN BABIES Subject to Medical Savings Account IMMUNISATION AND VACCINES SEP plus a dispensing fee, limited to R1 480 per beneficiary (COST OF IMMUNISATION AND VACCINE ONLY) CERVICAL CANCER VACCINE Females between 9 and 16 years of age (COST OF VACCINE ONLY) (SEP plus dispensing fee) ONE HIV VCT TEST Subject to Medical Savings Account MELANOMA SCREENING TEST Subject to Medical Savings Account Negotiated discount with Cryo-Save. Note: Please note that CAMAF does not cover expenses related to cord blood stem cell harvesting, testing and storage as this is not treatment for a specific medical UMBILICAL STEM CELL HARVESTING condition. The cash discount that is offered is passed directly on to you and is not paid from your health plan benefits. **Please note that Specialist Physician only refers to the discipline of Specialist Physician and not to subspecialists like Pulmonologists or Gastroenterologists.

13 EP ESSENTIAL PLUS All benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in the Regulations listed in the Medical Schemes Act. Other Benefits (Per Beneficiary) Not Subject to the Annual Overall Benefit Limit BASIC AND ADVANCED RADIOLOGY OUT OF HOSPITAL MUST BE PERFORMED BY A REGISTERED RADIOLOGIST, ON Subject to Medical Savings Account REFERRAL FROM MEDICAL PRACTITIONER ONLY. ADVANCED SCANS (MRI/CT/PET) SUBJECT TO PRE- AUTHORISATION PATHOLOGY OUT OF HOSPITAL PERFORMED BY A REGISTERED PATHOLOGIST AND REFERRED Subject to Medical Savings Account BY A MEDICAL PRACTITIONER PRE-AUTHORISATION REQUIRED FOR ADVANCED PATHOLOGY POST-HOSPITALISATION Subject to Medical Savings Account CONSULTATIONS AND TREATMENT UP TO 90 DAYS MEDICATION FOR ADDITIONAL CHRONIC CONDITIONS (SUBJECT TO PRE-AUTHORISATION) REFER TO Subject to Medical Savings Account except for Depression ADDITIONAL CHRONIC CONDITIONS LIST EXTERNAL APPLIANCES IN AND OUT OF HOSPITAL - PURCHASE, HIRE AND MAINTENANCE HEARING AIDS - 1 CLAIM PER 3 YEAR CYCLE FOR OVER 16 YEARS OF AGE, YOUNGER THAN 16 YEARS OF AGE - 18 MONTH CYCLE WHEELCHAIRS - 3 YEAR CYCLE Subject to Medical Savings Account INSULIN PUMPS, SUBJECT TO PRE-AUTHORISATION AND DSP - 4 YEAR CYCLE BREAST PUMPS AND APNOEA MONITORS - THREE MONTHS PRIOR TO EXPECTED DUE DATE AND WITHIN SIX MONTHS AFTER THE BIRTH OF THE BABY. SUBJECT TO REGISTRATION ON THE MOTHER TO BE PROGRAMME R10 million per beneficiary per journey for emergency medical costs while you travel outside South Africa. INTERNATIONAL TRAVEL COVER This cover is for a period of 90 days from your departure from South Africa. Pre-existing conditions are excluded. NETCARE 911 EMERGENCY SERVICES Unlimited - Subject to Netcare 911 authorisation

14 EP ESSENTIAL PLUS All benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in the Regulations listed in the Medical Schemes Act. Other Benefits (Per Beneficiary) Subject to the Annual Overall Day-To-Day Benefit Limit DAY TO DAY BENEFITS BENEFITS BELOW ARE SUBJECT TO THE OVERALL ANNUAL Limited to funds available in the beneficiary s Medical Savings Account LIMIT GP S AND DENTISTS DENTAL X-RAYS PERFORMED BY DENTISTS, Subject to Medical Savings Account CONSULTATIONS AND PROCEDURES PERFORMED BY THESE PRACTITIONERS; BASIC DENTISTRY SPECIALISTS CONSULTATIONS, PROCEDURES AND RADIOLOGY Subject to Medical Savings Account PERFORMED BY THESE PRACTITIONERS ACUTE MEDICATION Subject to Medical Savings Account INCLUDING INJECTIONS AND MATERIALS CASUALTY AND OUT PATIENT TREATMENT AT A HOSPITAL ALL MEDICATIONS WILL BE PAID OUT OF ACUTE MEDICATION Subject to Medical Savings Account BENEFIT NURSE VISITS Subject to Medical Savings Account SUPPLEMENTARY HEALTH AUDIOLOGY, CHIROPRACTORS, DIETICIANS, HOMOEOPATHS, Subject to Medical Savings Account OCCUPATIONAL THERAPY, PHYSIOTHERAPISTS, BIOKINETICISTS, PODIATRY AND SPEECH THERAPY ADVANCED DENTISTRY Subject to Medical Savings Account CROWNS, BRIDGES, ORTHODONTICS, DENTURES OVER THE COUNTER MEDICATION Subject to Medical Savings Account LASER K NO APPROVAL FOR SURGERY WHERE SPECTACLES OBTAINED IN PREVIOUS 12 MONTHS Subject to Medical Savings Account If the Laser K benefit is utilised, no spectacle and contact lense benefit allowed FOR 2 years ANTE-NATAL FOETAL SCANS Subject to Medical Savings Account PER PREGNANCY ANTE-NATAL CLASSES Subject to Medical Savings Account SPECTACLES AND LENSES FROM OPTOMETRIST ONLY ANNUAL BENEFIT, UNLESS Subject to Medical Savings Account OTHERWISE STATED

15 EP Monthly Contribution Rates: Essential Plus Monthly Risk Contribution Monthly Msa Contribution Total Monthly Contribution Principal R1 500 Adult R1 190 Child R 700 Principal R 440 Adult R 351 Child R 206 Principal R1 940 Adult R1 541 Child R 906

16 N Benefit Option Quick Summary: Network Choice Network Hospital: No limits (DSP hospital group is Netcare) Attending Doctors: Up to 100% CBT only at DSP 27 Chronic Conditions: medication and consultations. Includes unlimited appropriate biological drugs and specialised technology and door to door medication delivery X-Rays and Blood Tests Advanced scans limited to R per family Screening Benefits Vaccines

17 N NETWORK CHOICE All benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in the Regulations listed in the Medical Schemes Act. In Hospital and Prescribed Minimum Benefits Hospital Accommodation 100% DSP tariff as per protocols. The DSP hospital group is Netcare. Including confinements, subject to pre-authorisation Attending Doctors and Specialists Consultations Up to 100% CBT MEDICAL AND SURGICAL PROCEDURES INCLUDING 100% of CBT CONFINEMENTS SUBJECT TO PRE-AUTHORISATION SUPPLEMENTARY Healthcare In Hospital 100% CBT (Eg. Physiotherapy and Psychotherapy) Blood Transfusions 100% of cost (In and Out of Hospital) Radiology In Hospital 100% CBT Advanced Scans (Mri/Ct/Pet) 100% CBT limited to R per family Subject to pre-authorisation Pathology 100% CBT In hospital Internal Prosthesis 100% of cost limited to R per family Subject to pre-authorisation Home Nursing 100% CBT (in lieu of hospitalisation only) Up to 21 days, subject to pre-authorisation Step Down Approved Facilities (Only, up to 90 Days) 100% DSP Tariff Subject to pre-authorisation Medication 100% SEP plus dispensing fee In Hospital Tto Medication 100% SEP plus dispensing fee up to one week s supply PMB applied to hospital based treatment and limited to one rehabilitation treatment per beneficiary per year, Substance Abuse subject to pre-authorisation and limited to 21 days Chronic Pmb Cdl Medication and Treatment - Subject to Pre-authorisation and Protocols 100% SEP plus a dispensing fee, subject to MMAP and DSP. Consultations and procedures - at cost Refer To Chronic Disease List Pmb Dtp Treatment Medication - 100% SEP plus dispensing fee, subject to MMAP and DSP. Consultations and procedures Out Of Hospital Treatment Subject To Registration - at cost Of Condition And Pre-Authorisation Oncology Medication - 100% SEP plus a dispensing fee, subject to MMAP and DSP. Consultations and procedures Subject to pre-authorisation and ICON Protocols # - 100% DSP Tariff. The DSP is the ICON network. The ICON Essential benefits apply #Please refer to website for ICON benefit structures

18 N NETWORK CHOICE All benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in the Regulations listed in the Medical Schemes Act. Preventative Wellness Cover CAMAF LIFESTYLE PROGRAMME PER ADULT BENEFICIARY INCLUDES: Free health risk assessment at Clicks, Dischem or Pick n Pay pharmacy Access to e Care portal with online wellness solutions to monitor your health and promote balanced, healthy living Comprehensive wellness report plus personalised health articles in weekly s when you complete your wellness assessment online. ONE GP CONSULTATION ONLY 100% CBT per beneficiary (Network Doctor only) ICD 10 CODE SPECIFIC TO GENERAL CHECK UP ONLY One Specialist Consultation ICD 10 Code Specific to General Check Up Only. Gynaecologists, Urologists, or Specialist Physicians** 100% CBT per beneficiary For Beneficiaries over 16 years. Paediatricians for Beneficiaries under 16 Years PSYCHOTHERAPY 100% CBT limited to R per beneficiary ONE DENTISTRY CONSULTATION 100% CBT per beneficiary (Network Dentist only) GENERAL CHECK UP ONLY - excludes consumables ONE Ecg (PERFORMED BY GP OR SPECIALIST PHYSICIAN**) 100% CBT per adult beneficiary ICD 10 CODE SPECIFIC TO GENERAL CHECK UP ONLY - excludes consumables ONE OPTOMETRIST CONSULTATION Refer to spectacle and lenses benefits METABOLIC SCREENING FOR NEW BORN BABIES 100% Negotiated Rate per new born baby IMMUNISATION AND VACCINES SEP plus a dispensing fee, subject to MMAP, limited to R1 480 per beneficiary (COST OF IMMUNISATION AND VACCINE ONLY) CERVICAL CANCER VACCINE Females between 9 and 16 years of age (COST OF VACCINE ONLY) (SEP plus dispensing fee) ONE HIV VCT TEST 100% CBT per beneficiary Negotiated discount with Cryo-Save. Note: Please note that CAMAF does not cover expenses related to cord blood stem cell harvesting, testing and storage as this is not treatment for a specific medical UMBILICAL STEM CELL HARVESTING condition. The cash discount that is offered is passed directly on to you and is not paid from your health plan benefits. **Please note that Specialist Physician only refers to the discipline of Specialist Physician and not to subspecialists like Pulmonologists or Gastroenterologists.

19 N NETWORK CHOICE All benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in the Regulations listed in the Medical Schemes Act. Other Benefits (Per Beneficiary) Not Subject to the Annual Overall Benefit Limit BASIC AND ADVANCED RADIOLOGY OUT OF HOSPITAL MUST BE PERFORMED BY A REGISTERED RADIOLOGIST, ON REFERRAL FROM MEDICAL PRACTITIONER ONLY. ADVANCED SCANS (MRI/CT/PET) SUBJECT TO PRE-AUTHORISATION PATHOLOGY OUT OF HOSPITAL PERFORMED BY A REGISTERED PATHOLOGIST AND REFERRED BY A MEDICAL PRACTITIONER PRE-AUTHORISATION REQUIRED FOR ADVANCED PATHOLOGY MEDICATION FOR ADDITIONAL CHRONIC CONDITIONS (SUBJECT TO PRE-AUTHORISATION) REFER TO ADDITIONAL CHRONIC CONDITIONS LIST EXTERNAL APPLIANCES IN AND OUT OF HOSPITAL - PURCHASE, HIRE AND MAINTENANCE HEARING AIDS - 1 CLAIM PER 3 YEAR CYCLE FOR OVER 16 YEARS OF AGE, YOUNGER THAN 16 YEARS OF AGE - 18 MONTH CYCLE WHEELCHAIRS - 3 YEAR CYCLE INSULIN PUMPS, SUBJECT TO PRE-AUTHORISATION AND DSP - 4 YEAR CYCLE BREAST PUMPS AND APNOEA MONITORS - THREE MONTHS PRIOR TO EXPECTED DUE DATE AND WITHIN SIX MONTHS AFTER THE BIRTH OF THE BABY. SUBJECT TO REGISTRATION ON THE MOTHER TO BE PROGRAMME Basic Radiology: Referrals by DSP or specialist, 100% CBT limited to R3 830 per beneficiary Advanced scans: 100% CBT limited to R per family (referral by DSP or specialist) Referred by DSP or specialist, 100% CBT, limited to R6 120 per beneficiary No Benefit except for Depression 100% of cost limited of R5 900 per beneficiary and subject to DSP or Specialist referral and subject to the following sub-limits: Baby Apnoea monitors: R2 000 Breast pumps: R3 400 R10 million per beneficiary per journey for emergency medical costs while you travel outside South Africa. INTERNATIONAL TRAVEL COVER This cover is for a period of 90 days from your departure from South Africa. Pre-existing conditions are excluded. NETCARE 911 EMERGENCY SERVICES Unlimited - Subject to Netcare 911 authorisation

20 N NETWORK CHOICE All benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in the Regulations listed in the Medical Schemes Act. Other Benefits (Per Beneficiary) Subject to the Annual Overall Day-To-Day Benefit Limit Annual overall limit: Beneficiary specific limits: (a) Medicines R DAY TO DAY BENEFITS (b) Advanced Dentistry R BENEFITS BELOW ARE SUBJECT TO THE OVERALL ANNUAL LIMIT (c) Other R (d) Specialists R GP S AND DENTISTS DENTAL X-RAYS PERFORMED BY DENTISTS, CONSULTATIONS AND 100% negotiated rate at a network provider only subject to sublimit (c) PROCEDURES PERFORMED BY THESE PRACTITIONERS; BASIC DENTISTRY SPECIALISTS 100% CBT CONSULTATIONS, PROCEDURES AND RADIOLOGY PERFORMED Subject to limit (d) (on referral from a network GP only) BY THESE PRACTITIONERS ACUTE MEDICATION 100% SEP plus a dispensing fee, subject to MMAP. Subject to limit (a) (on referral from a network GP only) INCLUDING INJECTIONS AND MATERIALS NON-DSP VISITS TO DOCTORS ROOMS CASUALTY AND OUT PATIENT TREATMENT AT A HOSPITAL ALL MEDICATIONS WILL BE PAID OUT OF ACUTE MEDICATION BENEFIT SUPPLEMENTARY HEALTH AUDIOLOGY, CHIROPRACTORS, DIETICIANS, HOMOEOPATHS, OCCUPATIONAL THERAPY, PHYSIOTHERAPISTS, BIOKINETICISTS, PODIATRY AND SPEECH THERAPY One non-network visit per beneficiary or two per family, 20% co-payment AND One casualty visit per family (facility fee, consumed meds and materials). Limited to R Associated claims such as radiology and pathology are not covered unless it is a PMB or DTP. NURSE VISITS 100% CBT subject to limit (c) 100% CBT limited to R2 380 per beneficiary on referral from DSP or from a Specialist. Subject to limit (c) BENEFIT SPECIFIC LIMITS ADVANCED DENTISTRY 100% of CBT CROWNS, BRIDGES, ORTHODONTICS, DENTURES Subject to limit (b) excluding dental implants OVER THE COUNTER MEDICATION 80% SEP plus a dispensing fee, subject to MMAP, limited to R1 460 per beneficiary. Subject to limit (a) ANTE-NATAL FOETAL SCANS 3 scans at 80% CBT. Subject to limit (c) PER PREGNANCY ANTE-NATAL CLASSES 80% CBT subject to sub-limit R910 per pregnancy Subject to limit (c) SPECTACLES AND LENSES FROM OPTOMETRIST ONLY ANNUAL BENEFIT, UNLESS OTHERWISE STATED The benefit PER BENEFICIARY at a PPN provider would be as follows: For the benefit cycle of 24 months from date of claiming, each beneficiary is entitled to: One Composite Consultation inclusive of a Refraction, Tonometry and Visual Field screening AND EITHER SPECTACLES - A PPN Frame to the value of R150 or R600 off any alternative frame and/or lens enhancements and one pair of lenses: either One pair of Clear Aquity Single Vision; Clear Aquity Bifocal lenses or Clear Aquity Multifocal lenses OR CONTACT LENSES - Contact lenses to the value of R800. The benefit PER BENEFICIARY at a NON PPN provider would be as follows: One consultation per Beneficiary during the Benefit Cycle, limited to a maximum cost of R715 AND EITHER SPECTACLES - A frame benefit of R600 towards the cost of a frame and/or lens enhancements and one pair of lenses: either one pair of clear single vision spectacle lenses limited to R165 per lens or one pair of clear flat top bifocal spectacle lenses limited to R360 per lens or one pair of clear flat top Multifocal lenses limited to R660 per lens OR CONTACT LENSES - Contact Lenses to the value of R800.

21 N Monthly Contribution Rates: Network Choice Principal R1 280 Adult R1 070 R 0 - R st Child R 555 (rest are free) Principal R1 520 Adult R1 210 R R st Child R 683 (rest are free) Principal R1 815 R R Adult R1 405 Child R 905 Principal R2 410 R Adult R1 945 Child R1 183

22 FC Benefit Option Quick Summary: First Choice Any Private Hospital: No limits Attending Dr s and Specialists: Up to 100% Cbt 27 Chronic Conditions: medication and consultations. Includes unlimited appropriate biological drugs and specialised technology and door to door medication delivery X-Rays and Blood Tests Advanced scans limited to R per family Screening Benefits 80% of GP, Specialists, Dental, Optometry, Check-ups, ECG, Vaccines

23 FC FIRST CHOICE All benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in the Regulations listed in the Medical Schemes Act. In Hospital and Prescribed Minimum Benefits HOSPITAL ACCOMMODATION INCLUDING CONFINEMENTS, SUBJECT TO 100% of Negotiated Rate in general ward and specialised units PRE-AUTHORISATION ATTENDING DOCTORS AND SPECIALISTS CONSULTATIONS MEDICAL AND SURGICAL PROCEDURES Up to 100% CBT INCLUDING CONFINEMENTS SUBJECT TO 100% CBT PRE-AUTHORISATION SUPPLEMENTARY HEALTHCARE IN HOSPITAL 100% CBT (EG. PHYSIOTHERAPY AND PSYCHOTHERAPY) BLOOD TRANSFUSIONS 100% of cost (IN AND OUT OF HOSPITAL) RADIOLOGY IN HOSPITAL 100% CBT ADVANCED SCANS (MRI/CT/PET) 100% CBT limited to R per family SUBJECT TO PRE-AUTHORISATION PATHOLOGY 100% CBT IN HOSPITAL INTERNAL PROSTHESIS 100% of cost limited to R per family SUBJECT TO PRE-AUTHORISATION HOME NURSING 100% CBT (in lieu of hospitalisation only) UP TO 21 DAYS, SUBJECT TO PRE-AUTHORISATION STEP DOWN APPROVED FACILITIES (ONLY, UP TO 90 DAYS) 100% Negotiated Rate SUBJECT TO PRE-AUTHORISATION MEDICATION 100% SEP plus dispensing fee IN HOSPITAL TTO MEDICATION 100% SEP plus dispensing fee UP TO ONE WEEK S SUPPLY PMB applied to hospital based treatment and limited to one rehabilitation treatment per beneficiary per year, SUBSTANCE ABUSE subject to pre-authorisation and limited to 21 days CHRONIC PMB CDL MEDICATIONAND TREATMENT - SUBJECT TO PRE-AUTHORISATION AND PROTOCOLS 100% SEP plus a dispensing fee, subject to RP and DSP. Consultations and procedures - at cost REFER TO CHRONIC DISEASE LIST PMB DTP TREATMENT Medication - SEP plus a dispensing fee, subject to RP and DSP. Consultations and procedures OUT OF HOSPITAL TREATMENT SUBJECT TO REGISTRATION - at cost OF CONDITION AND PRE-AUTHORISATION ONCOLOGY SUBJECT TO PREAUTHORISATION AND ICON PROTOCOLS # #Please refer to website for ICON benefit structures Medication - 100% SEP plus a dispensing fee, subject to RP and DSP. Consultations and procedures - 100% DSP Tariff. The DSP is the ICON Network. The ICON Essential benefits apply

24 FC FIRST CHOICE All benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in the Regulations listed in the Medical Schemes Act. Preventative Wellness Cover CAMAF LIFESTYLE PROGRAMME PER ADULT BENEFICIARY INCLUDES: Free health risk assessment at Clicks, Dischem or Pick n Pay pharmacy Access to e Care portal with online wellness solutions to monitor your health and promote balanced, healthy living Comprehensive wellness report plus personalised health articles in weekly s when you complete your wellness assessment online. ONE GP CONSULTATION ONLY 100% CBT per beneficiary ICD 10 CODE SPECIFIC TO GENERAL CHECK UP ONLY ONE SPECIALIST CONSULTATION ICD 10 CODE SPECIFIC TO GENERAL CHECK UP ONLY. GYNAECOLOGISTS, UROLOGISTS, OR SPECIALIST PHYSICIANS** 100% CBT per beneficiary FOR BENEFICIARIES OVER 16 YEARS. PAEDIATRICIANS FOR BENEFICIARIES UNDER 16 YEARS PSYCHOTHERAPY 100% CBT limited to R per beneficiary ONE DENTISTRY CONSULTATION 100% CBT per beneficiary GENERAL CHECK UP ONLY - excludes consumables ONE ECG (PERFORMED BY GP OR SPECIALIST PHYSICIAN**) 100% CBT per adult beneficiary ICD 10 CODE SPECIFIC TO GENERAL CHECK UP ONLY - excludes consumables ONE OPTOMETRIST CONSULTATION Refer to spectacle and lenses benefits METABOLIC SCREENING FOR NEW BORN BABIES 100% Negotiated Rate per new born baby IMMUNISATION AND VACCINES SEP plus a dispensing fee, subject to MMAP, limited to R1 480 per beneficiary (COST OF IMMUNISATION AND VACCINE ONLY) CERVICAL CANCER VACCINE Females between 9 and 16 years of age (COST OF VACCINE ONLY) (SEP plus dispensing fee) ONE HIV VCT TEST 100% CBT per beneficiary Negotiated discount with Cryo-Save. Note: Please note that CAMAF does not cover expenses related to cord blood stem cell harvesting, testing and storage as this is not treatment for a specific medical UMBILICAL STEM CELL HARVESTING condition. The cash discount that is offered is passed directly on to you and is not paid from your health plan benefits. **Please note that Specialist Physician only refers to the discipline of Specialist Physician and not to subspecialists like Pulmonologists or Gastroenterologists.

25 FC FIRST CHOICE All benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in the Regulations listed in the Medical Schemes Act. Other Benefits (Per Beneficiary) Not Subject to the Annual Overall Benefit Limit BASIC AND ADVANCED RADIOLOGY OUT OF HOSPITAL MUST BE PERFORMED BY A REGISTERED RADIOLOGIST, ON REFERRAL FROM MEDICAL PRACTITIONER ONLY. ADVANCED SCANS (MRI/CT/PET) SUBJECT TO PRE- AUTHORISATION PATHOLOGY OUT OF HOSPITAL PERFORMED BY A REGISTERED PATHOLOGIST AND REFERRED BY A MEDICAL PRACTITIONER PRE-AUTHORISATION REQUIRED FOR ADVANCED PATHOLOGY MEDICATION FOR ADDITIONAL CHRONIC CONDITIONS (SUBJECT TO PRE-AUTHORISATION) REFER TO ADDITIONAL CHRONIC CONDITIONS LIST EXTERNAL APPLIANCES IN AND OUT OF HOSPITAL - PURCHASE, HIRE AND MAINTENANCE HEARING AIDS - 1 CLAIM PER 3 YEAR CYCLE FOR OVER 16 YEARS OF AGE, YOUNGER THAN 16 YEARS OF AGE - 18 MONTH CYCLE WHEELCHAIRS - 3 YEAR CYCLE INSULIN PUMPS, SUBJECT TO PRE-AUTHORISATION AND DSP - 4 YEAR CYCLE BREAST PUMPS AND APNOEA MONITORS - THREE MONTHS PRIOR TO EXPECTED DUE DATE AND WITHIN SIX MONTHS AFTER THE BIRTH OF THE BABY. SUBJECT TO REGISTRATION ON THE MOTHER TO BE PROGRAMME Basic Radiology: 100% CBT limited to R3 830 per beneficiary Advanced scans: 100% CBT limited to R per family 100% CBT limited to R6 120 per beneficiary No Benefit except for Depression 100% of cost in hospital and 80% of cost out of hospital with an overall limit of R5 900 per beneficiary and subject to the following sub-limits: Baby Apnoea monitors: R2 000 Breast pumps: R3 400 R10 million per beneficiary per journey for emergency medical costs while you travel outside South Africa. INTERNATIONAL TRAVEL COVER This cover is for a period of 90 days from your departure from South Africa. Pre-existing conditions are excluded. NETCARE 911 EMERGENCY SERVICES Unlimited - Subject to Netcare 911 authorisation

26 FC All benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in the Regulations listed in the Medical Schemes Act. Other Benefits (Per Beneficiary) Subject to the Annual Overall Day-To-Day Benefit Limit Annual overall limit: Beneficiary specific limits: (a) Medicines R2 840 DAY TO DAY BENEFITS (b) Advanced Dentistry R5 950 BENEFITS BELOW ARE SUBJECT TO THE OVERALL ANNUAL LIMIT (c) Other R2 840 (d) Specialists R8 750 GP S AND DENTISTS DENTAL X-RAYS PERFORMED BY DENTISTS, CONSULTATIONS AND 80% CBT PROCEDURES PERFORMED BY THESE PRACTITIONERS; Subject to limit (c) BASIC DENTISTRY SPECIALISTS 80% CBT CONSULTATIONS, PROCEDURES AND RADIOLOGY PERFORMED Subject to limit (d) BY THESE PRACTITIONERS ACUTE MEDICATION 80% SEP plus a dispensing fee, subject to MMAP. Subject to limit (a) INCLUDING INJECTIONS AND MATERIALS CASUALTY AND OUT PATIENT TREATMENT AT A HOSPITAL Medication: 80% SEP plus a dispensing fee subject to limit (a) ALL MEDICATIONS WILL BE PAID OUT OF ACUTE MEDICATION Treatment: 80% CBT subject to limit (c) BENEFIT NURSE VISITS 80% CBT subject to limit (c) SUPPLEMENTARY HEALTH AUDIOLOGY, CHIROPRACTORS, DIETICIANS, HOMOEOPATHS, OCCUPATIONAL THERAPY, PHYSIOTHERAPISTS, BIOKINETICISTS, PODIATRY AND SPEECH THERAPY 80% CBT subject to sub-limit R2 380 Subject to limit (c) BENEFIT SPECIFIC LIMITS ADVANCED DENTISTRY 50% CBT CROWNS, BRIDGES, ORTHODONTICS, DENTURES Subject to limit (b) excluding dental implants OVER THE COUNTER MEDICATION 80% SEP plus a dispensing fee, subject to MMAP, limited to R1 460 per beneficiary. Subject to limit (a) ANTE-NATAL FOETAL SCANS 3 scans at 80% CBT. Subject to limit(c) PER PREGNANCY ANTE-NATAL CLASSES 80% CBT subject to sub-limit R910 per pregnancy SUBJECT TO ENROLMENT ON THE MOTHER-TO-BE PROGRAMME Subject to limit (c) SPECTACLES AND LENSES FROM OPTOMETRIST ONLY ANNUAL BENEFIT, UNLESS OTHERWISE STATED FIRST CHOICE The benefit PER BENEFICIARY at a PPN provider would be as follows: For the benefit cycle of 24 months from date of claiming, each beneficiary is entitled to: One Composite Consultation inclusive of a Refraction, Tonometry and Visual Field screening AND EITHER SPECTACLES - A PPN Frame to the value of R150 or R600 off any alternative frame and/or lens enhancements and one pair of lenses: either One pair of Clear Aquity Single Vision; Clear Aquity Bifocal lenses or Clear Aquity Multifocal lenses OR CONTACT LENSES - Contact lenses to the value of R800. The benefit PER BENEFICIARY at a NON PPN provider would be as follows: One consultation per Beneficiary during the Benefit Cycle, limited to a maximum cost of R715 AND EITHER SPECTACLES - A frame benefit of R600 towards the cost of a frame and/or lens enhancements and one pair of lenses: either one pair of clear single vision spectacle lenses limited to R165 per lens or one pair of clear flat top bifocal spectacle lenses limited to R360 per lens or one pair of clear flat top Multifocal lenses limited to R660 per lens OR CONTACT LENSES - Contact Lenses to the value of R800.

27 FC Monthly Contribution Rates - First Choice R 0 - R8 110 R R R R R R R Income Category Total Monthly Contribution Adult R 870 Child R 530 Adult R1 380 Child R 820 Adult R2 065 Child R1 205 Adult R2 565 Child R1 685 Adult R2 800 Child R1 825

28 DP Benefit Option Quick Summary: Double Plus Any Private Hospital: No limits Attending Dr s and Specialists: Up to 300% cbt 63 Chronic Conditions Medication and Consultations. Includes unlimited appropriate Biological Drugs and Specialised Technology Unlimited X-rays and Blood Tests In and Out of Hospital including mri and ct Scans Screening Benefit 3 Month Post Hospitalisation Benefit External Appliances: wheelchair, hearing aid, breast pump, baby sleep monitor Check-ups and Vaccines: Gp, Specialist, Dental, Optometry, Ecg Infertility R per family

29 DP DOUBLE PLUS All benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in the Regulations listed in the Medical Schemes Act. In Hospital and Prescribed Minimum Benefits Hospital Accommodation 100% of Negotiated Rate in general ward and specialised units Including confinements, subject to pre-authorisation Attending Doctors and Specialists Consultations Up to 300% CBT MEDICAL AND SURGICAL PROCEDURES INCLUDING 100% of Scheme Rate CONFINEMENTS SUBJECT TO PRE-AUTHORISATION SUPPLEMENTARY Healthcare In Hospital 100% CBT (Eg. Physiotherapy and Psychotherapy) Blood Transfusions 100% of cost (In and Out of Hospital) Radiology In Hospital 100% CBT Advanced Scans (Mri/Ct/Pet) 100% CBT Subject to pre-authorisation Pathology 100% Negotiated Rate In hospital Internal Prosthesis 100% of cost Subject to pre-authorisation Home Nursing 100% CBT Up to 21 days, subject to pre-authorisation Step Down Approved Facilities (Only, up to 90 Days) 100% Negotiated Rate Subject to pre-authorisation Medication 100% SEP plus dispensing fee In Hospital Tto Medication 100% SEP plus dispensing fee up to one week s supply INFERTILITY TREATMENT Treatment limited to R per family PMB applied to hospital based treatment and limited to one rehabilitation treatment per beneficiary per year, Substance Abuse subject to pre-authorisation and limited to 21 days Chronic Pmb Cdl Medication and Treatment - Subject to Pre-authorisation and Protocols 100% SEP plus a dispensing fee, subject to RP and DSP. Consultations and procedures - at cost Refer To Chronic Disease List Pmb Dtp Treatment Out Of Hospital Treatment Subject To Registration Medication - SEP plus dispensing fee, subject to RP and DSP. Consultations and procedures - at cost Of Condition And Pre-Authorisation Oncology Medication - 100% SEP plus a dispensing fee, subject to RP and DSP. Consultations and procedures Subject to pre-authorisation and ICON Protocols # - at 100% Scheme Rate. The ICON Core benefits apply #Please refer to website for ICON benefit structures

30 DP DOUBLE PLUS All benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in the Regulations listed in the Medical Schemes Act. Preventative Wellness Cover CAMAF LIFESTYLE PROGRAMME PER ADULT BENEFICIARY INCLUDES: Free health risk assessment at Clicks, Dischem or Pick n Pay pharmacy Access to e Care portal with online wellness solutions to monitor your health and promote balanced, healthy living Comprehensive wellness report plus personalised health articles in weekly s when you complete your wellness assessment online. ONE GP CONSULTATION ONLY 100% CBT per beneficiary ICD 10 CODE SPECIFIC TO GENERAL CHECK UP ONLY ONE SPECIALIST CONSULTATION ICD 10 CODE SPECIFIC TO GENERAL CHECK UP ONLY. GYNAECOLOGISTS, UROLOGISTS, OR SPECIALIST PHYSICIANS** 100% CBT per beneficiary FOR BENEFICIARIES OVER 16 YEARS. PAEDIATRICIANS FOR BENEFICIARIES UNDER 16 YEARS PSYCHOTHERAPY 100% CBT limited to R per beneficiary ONE DIETICIAN CONSULTATION 100% CBT per beneficiary ONE DENTISTRY CONSULTATION 100% CBT per beneficiary GENERAL CHECK UP ONLY - excludes consumables ONE ECG (PERFORMED BY GP OR SPECIALIST PHYSICIAN**) 100% CBT per adult beneficiary ICD 10 CODE SPECIFIC TO GENERAL CHECK UP ONLY - excludes consumables Within the PPN Network: 100% of cost for a composite consultation inclusive of the refraction, a glaucoma ONE OPTOMETRIST CONSULTATION screening, and visual field screening. Outside of the PPN Network: 100% Optical Assistant Rates METABOLIC SCREENING FOR NEW BORN BABIES 100% Negotiated Rate per new born baby IMMUNISATION AND VACCINES SEP plus a dispensing fee, limited to: Adults R Child R3 690 (COST OF IMMUNISATION AND VACCINE ONLY) CERVICAL CANCER VACCINE Females between 9 and 16 years of age (COST OF VACCINE ONLY) (SEP plus dispensing fee) ONE HIV VCT TEST 100% CBT per beneficiary MELANOMA SCREENING TEST 100% CBT per adult beneficiary Negotiated discount with Cryo-Save. Note: Please note that CAMAF does not cover expenses related to cord blood stem cell harvesting, testing and storage as this is not treatment for a specific medical UMBILICAL STEM CELL HARVESTING condition. The cash discount that is offered is passed directly on to you and is not paid from your health plan benefits. **Please note that Specialist Physician only refers to the discipline of Specialist Physician and not to subspecialists like Pulmonologists or Gastroenterologists.

31 DP DOUBLE PLUS All benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in the Regulations listed in the Medical Schemes Act. Other Benefits (Per Beneficiary) Not Subject to the Annual Overall Benefit Limit BASIC AND ADVANCED RADIOLOGY OUT OF HOSPITAL MUST BE PERFORMED BY A REGISTERED RADIOLOGIST, ON 100% CBT REFERRAL FROM MEDICAL PRACTITIONER ONLY. ADVANCED SCANS (MRI/CT/PET) SUBJECT TO PRE- AUTHORISATION PATHOLOGY OUT OF HOSPITAL - PERFORMED BY A REGISTERED 100% Negotiated Rate or CBT PATHOLOGIST AND REFERRED BY A MEDICAL PRACTITIONER PRE-AUTHORISATION REQUIRED FOR ADVANCED PATHOLOGY POST-HOSPITALISATION 300% CBT for attending practitioners CONSULTATIONS AND TREATMENT UP TO 90 DAYS 100% CBT for auxiliary services MEDICATION FOR ADDITIONAL CHRONIC CONDITIONS 100% SEP plus a dispensing fee, subject to RP and DSP (SUBJECT TO PRE-AUTHORISATION) REFER TO Consultations 100% CBT ADDITIONAL CHRONIC CONDITIONS LIST EXTERNAL APPLIANCES IN AND OUT OF HOSPITAL - PURCHASE, HIRE AND MAINTENANCE HEARING AIDS - 1 CLAIM PER 3 YEAR CYCLE FOR OVER 16 YEARS OF AGE, YOUNGER THAN 16 YEARS OF AGE - 18 MONTH CYCLE WHEELCHAIRS - 3 YEAR CYCLE INSULIN PUMPS, SUBJECT TO PRE-AUTHORISATION AND DSP - 4 YEAR CYCLE BREAST PUMPS AND APNOEA MONITORS - THREE MONTHS PRIOR TO EXPECTED DUE DATE AND WITHIN SIX MONTHS AFTER THE BIRTH OF THE BABY. SUBJECT TO REGISTRATION ON THE MOTHER TO BE PROGRAMME 100% of cost subject to the overall limit of R per beneficiary and subject to the following sub-limits: Hearing Aids: R Wheelchairs for Quadriplegics: R Standard Wheelchairs: R Insulin Pumps: R Other external appliances: R Baby Apnoea monitors: R Breast pumps: R R10 million per beneficiary per journey for emergency medical costs while you travel outside South Africa. INTERNATIONAL TRAVEL COVER This cover is for a period of 90 days from your departure from South Africa. Pre-existing conditions are excluded. NETCARE 911 EMERGENCY SERVICES Unlimited - Subject to Netcare 911 authorisation

32 DP All benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in the Regulations listed in the Medical Schemes Act. Other Benefits (Per Beneficiary) Subject to the Annual Overall Day-To-Day Benefit Limit Annual Overall Limits DAY TO DAY BENEFITS Adult R BENEFITS BELOW ARE SUBJECT TO THE OVERALL ANNUAL LIMIT Child R GP S AND DENTISTS DENTAL X-RAYS PERFORMED BY DENTISTS, CONSULTATIONS AND 80% CBT PROCEDURES PERFORMED BY THESE PRACTITIONERS; BASIC DENTISTRY SPECIALISTS CONSULTATIONS, PROCEDURES AND RADIOLOGY PERFORMED 80% CBT BY THESE PRACTITIONERS ACUTE MEDICATION 80% SEP plus a dispensing fee, subject to MMAP, co-payment from MSA INCLUDING INJECTIONS AND MATERIALS CASUALTY AND OUT PATIENT TREATMENT AT A HOSPITAL ALL MEDICATIONS WILL BE PAID OUT OF ACUTE MEDICATION 80% CBT BENEFIT NURSE VISITS 80% CBT up to 21 days SUPPLEMENTARY HEALTH AUDIOLOGY, CHIROPRACTORS, DIETICIANS, HOMOEOPATHS, 80% CBT OCCUPATIONAL THERAPY, PHYSIOTHERAPISTS, BIOKINETICISTS, PODIATRY AND SPEECH THERAPY ADVANCED DENTISTRY CROWNS, BRIDGES, ORTHODONTICS, DENTURES 80% CBT limited to: Mo R M1 R M2+ R OVER THE COUNTER MEDICATION 80% SEP plus a dispensing fee subject to MMAP, co-payment from MSA, limited to R1 600 per beneficiary LASER K NO APPROVAL FOR SURGERY WHERE SPECTACLES OBTAINED IN 80% CBT limited to R4 140 per eye PREVIOUS 12 MONTHS If the Laser K benefit is utilised, no spectacle and contact lense benefit allowed FOR 2 years ANTE-NATAL FOETAL SCANS 4 Scans at 80% CBT PER PREGNANCY ANTE-NATAL CLASSES 80% CBT limited to R1 640 per pregnancy SPECTACLES AND LENSES FROM OPTOMETRIST ONLY ANNUAL BENEFIT, UNLESS OTHERWISE STATED DOUBLE PLUS Consultation: See Preventative Wellness Benefit per beneficiary at a PPN PROVIDER: EITHER: R3 500 for frames and/or lens enhancements OR: Contact lenses to the value of R PPN Rates apply Benefit per beneficiary at a NON-PPN PROVIDER, FUNDED AT 80% of Optical Assistant Rates: EITHER: R3 500 for frames and/or lens enhancements plus clear lenses. The following sub-limits apply to lenses: Single vision: R950 Bifocal: R2 550 Varifocal: R3 910 OR: Contact lenses to the value of R3 400 Co-payments from MSA. ALL BENEFITS AND CLAIMS MANAGED BY PPN

33 DP Monthly Contribution Rates - Double Plus Monthly Risk Contribution Monthly Msa Contribution Total Monthly Contribution Adult R3 033 Child R1 742 Adult R 338 Child R 214 Adult R3 371 Child R1 956

34 A Benefit Option Quick Summary: Alliance ALLIANCE Any Private Hospital: No limits, private wards for confinements (subject to availability) Attending Dr s and Specialists: Up to 300% CBT 64 Chronic Conditions medication and consultations. Includes unlimited appropriate biological drugs and specialised technology Unlimited X-Rays and Blood Tests IN and OUT of hospital including MRI and CT scans Screening Benefit 3 Month post hospitalisation benefit External Appliances: Wheelchair, hearing aid, breast pump, baby sleep monitor Check-Ups and Vaccines: GP, Specialist, Dental, Optometry, Dermatologist, ECG, Dietician Infertility R per family

35 A ALLIANCE All benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in the Regulations listed in the Medical Schemes Act. In Hospital and Prescribed Minimum Benefits Hospital Accommodation 100% of Negotiated Rate in general ward and specialised units. Private wards for confinements (subject to Including confinements, subject to pre-authorisation availability) Attending Doctors and Specialists Consultations Up to 300% CBT MEDICAL AND SURGICAL PROCEDURES INCLUDING 100% of Scheme Rate CONFINEMENTS SUBJECT TO PRE-AUTHORISATION SUPPLEMENTARY Healthcare In Hospital 100% CBT (Eg. Physiotherapy and Psychotherapy) Blood Transfusions 100% of cost (In and Out of Hospital) Radiology In Hospital 100% CBT Advanced Scans (Mri/Ct/Pet) 100% CBT Subject to pre-authorisation Pathology 100% Negotiated Rate In hospital Internal Prosthesis 100% of cost Subject to pre-authorisation Home Nursing 100% CBT Up to 21 days, subject to pre-authorisation Step Down Approved Facilities (Only, up to 90 Days) 100% Negotiated Rate Subject to pre-authorisation Medication 100% SEP plus dispensing fee In Hospital Tto Medication 100% SEP plus dispensing fee up to one week s supply INFERTILITY TREATMENT Treatment limited to R per family PMB applied to hospital based treatment and limited to one rehabilitation treatment per beneficiary per year, Substance Abuse subject to pre-authorisation and limited to 21 days Chronic Pmb Cdl Medication and Treatment - Subject to Pre-authorisation and Protocols 100% SEP plus a dispensing fee, subject to RP and DSP. Consultations and procedures - at cost Refer To Chronic Disease List Pmb Dtp Treatment Out Of Hospital Treatment Subject To Registration Medication - SEP plus dispensing fee, subject to RP and DSP. Consultations and procedures - at cost Of Condition And Pre-Authorisation Oncology Medication - 100% SEP plus a dispensing fee, subject to RP and DSP. Consultations and procedures Subject to pre-authorisation and ICON Protocols # - at 100% Scheme Rate. The ICON Enhanced benefits apply #Please refer to website for ICON benefit structures

36 A ALLIANCE All benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in the Regulations listed in the Medical Schemes Act. Preventative Wellness Cover CAMAF LIFESTYLE PROGRAMME PER ADULT BENEFICIARY INCLUDES: Free health risk assessment at Clicks, Dischem or Pick n Pay pharmacy Access to e Care portal with online wellness solutions to monitor your health and promote balanced, healthy living Comprehensive wellness report plus personalised health articles in weekly s when you complete your wellness assessment online. ONE GP CONSULTATION ONLY 100% CBT per beneficiary ICD 10 CODE SPECIFIC TO GENERAL CHECK UP ONLY ONE SPECIALIST CONSULTATION ICD 10 CODE SPECIFIC TO GENERAL CHECK UP ONLY. GYNAECOLOGISTS, UROLOGISTS, OR SPECIALIST PHYSICIANS** 100% CBT per beneficiary FOR BENEFICIARIES OVER 16 YEARS. PAEDIATRICIANS FOR BENEFICIARIES UNDER 16 YEARS PSYCHOTHERAPY 100% CBT limited to R per beneficiary ONE DIETICIAN CONSULTATION 100% CBT per beneficiary ONE DENTISTRY CONSULTATION 100% CBT per beneficiary GENERAL CHECK UP ONLY - excludes consumables ONE ECG (PERFORMED BY GP OR SPECIALIST PHYSICIAN**) 100% CBT per adult beneficiary ICD 10 CODE SPECIFIC TO GENERAL CHECK UP ONLY - excludes consumables Within the PPN Network: 100% of cost for a composite consultation inclusive of the refraction, a glaucoma ONE OPTOMETRIST CONSULTATION screening, and visual field screening. Outside of the PPN Network: 100% Optical Assistant Rates METABOLIC SCREENING FOR NEW BORN BABIES 100% Negotiated Rate per new born baby IMMUNISATION AND VACCINES SEP plus a dispensing fee, limited to R4 450 per beneficiary (COST OF IMMUNISATION AND VACCINE ONLY) CERVICAL CANCER VACCINE Females between 9 and 16 years of age (COST OF VACCINE ONLY) (SEP plus dispensing fee) ONE HIV VCT TEST 100% CBT per beneficiary MELANOMA SCREENING TEST 100% CBT per adult beneficiary Negotiated discount with Cryo-Save. Note: Please note that CAMAF does not cover expenses related to cord blood stem cell harvesting, testing and storage as this is not treatment for a specific medical UMBILICAL STEM CELL HARVESTING condition. The cash discount that is offered is passed directly on to you and is not paid from your health plan benefits. **Please note that Specialist Physician only refers to the discipline of Specialist Physician and not to subspecialists like Pulmonologists or Gastroenterologists.

37 A ALLIANCE All benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in the Regulations listed in the Medical Schemes Act. Other Benefits (Per Beneficiary) Not Subject to the Annual Overall Benefit Limit BASIC AND ADVANCED RADIOLOGY OUT OF HOSPITAL MUST BE PERFORMED BY A REGISTERED RADIOLOGIST, ON 100% CBT REFERRAL FROM MEDICAL PRACTITIONER ONLY. ADVANCED SCANS (MRI/CT/PET) SUBJECT TO PRE- AUTHORISATION PATHOLOGY OUT OF HOSPITAL - PERFORMED BY A REGISTERED 100% Negotiated Rate or CBT PATHOLOGIST AND REFERRED BY A MEDICAL PRACTITIONER PRE-AUTHORISATION REQUIRED FOR ADVANCED PATHOLOGY POST-HOSPITALISATION 300% CBT for attending practitioners CONSULTATIONS AND TREATMENT UP TO 90 DAYS 100% CBT for auxiliary services MEDICATION FOR ADDITIONAL CHRONIC CONDITIONS 100% SEP plus a dispensing fee, subject to RP and DSP (SUBJECT TO PRE-AUTHORISATION) REFER TO Consultations 100% CBT ADDITIONAL CHRONIC CONDITIONS LIST EXTERNAL APPLIANCES IN AND OUT OF HOSPITAL - PURCHASE, HIRE AND MAINTENANCE HEARING AIDS - 1 CLAIM PER 3 YEAR CYCLE FOR OVER 16 YEARS OF AGE, YOUNGER THAN 16 YEARS OF AGE - 18 MONTH CYCLE WHEELCHAIRS - 3 YEAR CYCLE INSULIN PUMPS, SUBJECT TO PRE-AUTHORISATION AND DSP - 4 YEAR CYCLE BREAST PUMPS AND APNOEA MONITORS - THREE MONTHS PRIOR TO EXPECTED DUE DATE AND WITHIN SIX MONTHS AFTER THE BIRTH OF THE BABY. SUBJECT TO REGISTRATION ON THE MOTHER TO BE PROGRAMME 100% of cost subject to the overall limit of R per beneficiary and subject to the following sub-limits: Hearing Aids: R Wheelchairs for Quadriplegics: R Standard Wheelchairs: R Insulin Pumps: R Other external appliances: R Baby Apnoea monitors: R Breast pumps: R R10 million per beneficiary per journey for emergency medical costs while you travel outside South Africa. INTERNATIONAL TRAVEL COVER This cover is for a period of 90 days from your departure from South Africa. Pre-existing conditions are excluded. NETCARE 911 EMERGENCY SERVICES Unlimited - Subject to Netcare 911 authorisation

38 A All benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in the Regulations listed in the Medical Schemes Act. Other Benefits (Per Beneficiary) Subject to the Annual Overall Day-To-Day Benefit Limit Annual Overall Limits DAY TO DAY BENEFITS Adult R BENEFITS BELOW ARE SUBJECT TO THE OVERALL ANNUAL LIMIT Child R GP S AND DENTISTS DENTAL X-RAYS PERFORMED BY DENTISTS, CONSULTATIONS AND 80% CBT PROCEDURES PERFORMED BY THESE PRACTITIONERS; BASIC DENTISTRY SPECIALISTS CONSULTATIONS, PROCEDURES AND RADIOLOGY PERFORMED 80% CBT BY THESE PRACTITIONERS ACUTE MEDICATION 80% SEP plus a dispensing fee, subject to MMAP, co-payment from MSA INCLUDING INJECTIONS AND MATERIALS CASUALTY AND OUT PATIENT TREATMENT AT A HOSPITAL ALL MEDICATIONS WILL BE PAID OUT OF ACUTE MEDICATION 80% CBT BENEFIT NURSE VISITS 80% CBT up to 21 days SUPPLEMENTARY HEALTH AUDIOLOGY, CHIROPRACTORS, DIETICIANS, HOMOEOPATHS, 80% CBT OCCUPATIONAL THERAPY, PHYSIOTHERAPISTS, BIOKINETICISTS, PODIATRY AND SPEECH THERAPY ADVANCED DENTISTRY CROWNS, BRIDGES, ORTHODONTICS, DENTURES 80% CBT limited to: Mo R M1 R M2+ R OVER THE COUNTER MEDICATION 80% SEP plus a dispensing fee, subject to MMAP, co-payment from MSA, limited to R per beneficiary LASER K NO APPROVAL FOR SURGERY WHERE SPECTACLES OBTAINED IN 80% CBT limited to R per eye PREVIOUS 12 MONTHS If the Laser K benefit is utilised, no spectacle and contact lense benefit allowed FOR 2 years ANTE-NATAL FOETAL SCANS 6 Scans at 80% CBT PER PREGNANCY ANTE-NATAL CLASSES 80% CBT limited to R2 230 per pregnancy SPECTACLES AND LENSES FROM OPTOMETRIST ONLY ANNUAL BENEFIT, UNLESS OTHERWISE STATED ALLIANCE Consultation: See Preventative Wellness Benefit per beneficiary at a PPN PROVIDER: EITHER: R6 500 for frames and/or lens enhancements OR: Contact lenses to the value of R PPN Rates apply Benefit per beneficiary at a NON-PPN PROVIDER, FUNDED AT 80% of Optical Assistant Rates: EITHER: R6 500 for frames and/or lens enhancements plus clear lenses. The following sub-limits apply to lenses: Single vision: R1 450 Bifocal: R2 900 Varifocal: R4 360 OR: Contact lenses to the value of R6 320 Co-payments from MSA. ALL BENEFITS AND CLAIMS MANAGED BY PPN

39 A Monthly Contribution Rates - Alliance Monthly Risk Contribution Monthly Msa Contribution Total Monthly Contribution Adult R4 582 Child R2 499 Adult R 517 Child R 240 Adult R5 099 Child R2 739

40 Monthly Contribution Rates V VITAL EP ESSENTIAL PLUS N NETWORK CHOICE FC FIRST CHOICE DP DOUBLE PLUS A ALLIANCE Total Monthly Contribution Adult R1 991 Child R1 038 Monthly Risk Contribution Principal R1 500 Adult R1 190 Child R 700 Monthly MSA Contribution Principal R 440 Adult R 351 Child R 206 Total Monthly Contribution Principal R1 940 Adult R1 541 Child R 906 Income Category R 0 - R Principal R1 280 Adult R st Child R 555 (rest are free) R R Principal R1 520 Adult R1 210 Child R 683 (rest are free) R R Principal R1 815 Adult R1 405 Child R 905 R Principal R2 410 Adult R1 945 Child R1 183 Income Category Total Monthly Contribution R0 - R Adult R 870 Child R 530 R R Adult R1 380 Child R 820 R R Adult R2 065 Child R1 205 R R Adult R2 565 Child R1 685 R Adult R2 800 Child R1 825 Monthly Risk Contribution Adult R3 033 Child R1 742 Monthly MSA Contribution Adult R 338 Child R 214 Total Monthly Contribution Adult R3 371 Child R1 956 Monthly Risk Contribution Adult R4 582 Child R2 499 Monthly MSA Contribution Adult R 517 Child R 240 Total Monthly Contribution Adult R5 099 Child R2 739 click here to link to our online calculator

41 Chronic Disease List - PMB CDL Conditions - All Options Condition Consultations Level of Consultation Cover ADDISON S DISEASE General Practitioner (GP), Physician, Paediatrician, Endocrinologist 100% COST ASTHMA* GP, Physician, Pulmonologist, Paediatrician, Physiotherapist 100% COST BIPOLAR MOOD DISORDER* Psychiatrist, Clinical Psychologist, Social Worker 100% COST BRONCHIECTASIS* GP, Physician, Pulmonologist, Physiotherapist 100% COST CARDIAC FAILURE GP, Physician, Cardiologist, Dietician 100% COST CARDIOMYOPATHY GP, Physician, Cardiologist, Dietician 100% COST CHRONIC OBSTRUCTIVE PULMONARY DISORDER (COPD)* GP, Physician, Pulmonologist, Physiotherapist 100% COST CHRONIC RENAL DISEASE GP, Physician, Urologist, Dietician 100% COST CORONARY ARTERY DISEASE GP, Physician, Cardiologist, Dietician 100% COST CROHN S DISEASE GP, Gastroenterologist, Dietician, Physician 100% COST DIABETES INSIPIDUS GP, Physician, Urologist, Paediatrician, Endocrinologist 100% COST DIABETES MELLITUS (TYPE 1 AND TYPE 2)* GP, Physician, Paediatrician, Ophthalmologist, Dietician, Podiatrist, Endocrinologist 100% COST DYSRHYTHMIA GP, Physician, Cardiologist, Paediatrician 100% COST EPILEPSY GP, Physician, Neurologist, Occupational Therapist, Speech Therapist, Physiotherapist, Paediatrician 100% COST GLAUCOMA GP, Physician, Ophthalmologist 100% COST HAEMOPHILIA A & B GP, Physician, Paediatrician, Haematologist 100% COST HIV/AIDS** GP, Physician, Paediatrician 100% COST HYPERLIPIDAEMIA* GP, Physician, Cardiologist, Paediatrician, Dietician 100% COST HYPERTENSION* GP, Physician, Cardiologist, Dietician 100% COST HYPOTHYROIDISM GP, Physician, Paediatrician 100% COST MULTIPLE SCLEROSIS GP, Physician, Neurologist, Ophthalmologist, Urologist, Occupational Therapist, Physiotherapist 100% COST PARKINSON S DISEASE GP, Physician, Neurologist 100% COST Rheumatoid Arthritis GP, Physician, Ophthalmologist, Orthopaedics, Rheumatologist, Paediatrician 100% COST SCHIZOPHRENIA* Psychiatrist, Clinical Psychologist, Social Worker, Occupational Therapist 100% COST SYSTEMIC LUPUS ERYTHEMATOSIS GP, Physician, Dermatologist, Paediatrician, Rheumotologist 100% COST ULCERATIVE COLITIS Gastroenterologist, Dietician, GP, Physician, Rheumotologist 100% COST In terms of the Medical Schemes Act Regulations that came into effect on 1 January 2004, Medical Schemes are required to fund the cost of the diagnosis, medical management (consultations and procedures) and medication of the specified list of chronic conditions. All of these conditions are covered by CAMAF *Subject to registration on relevant Wellness Programme **Subject to registration with LifeSense

42 Chronic Disease List - Additional Chronic Conditions - Alliance, Double Plus and Vital options Condition Consultations Level of Consultation Cover ADHD (Alliance only) Paediatrician, Neurologist, Psychiatrist 100% CBT ALLERGIC RHINITIS GP, Ear Nose and Throat Specialist (ENT), Paediatrician 100% CBT ALZHEIMER S DISEASE Neurologist, Psychiatrist 100% CBT ANKYLOSING SPONDYLITIS Physician, Rheumatologist 100% CBT BENIGN PROSTATIC HYPERTROPHY Urologist 100% CBT CHRONIC GRANULOMATOUS DISEASE Physician 100% CBT COAGULATION DISORDERS Cardiologist, Physician, Clinical Haemotologist 100% CBT CONGENITAL HEART MALFORMATIONS Physician, Cardiologist, Paediatrician 100% CBT CYSTIC FIBROSIS Physician, Physiotherapist, Pulmonologist, Paediatrician, GP 100% CBT DEEP VEIN THROMBOSIS Physician 100% CBT DEPRESSION (includes First Choice and Essential Plus) GP, Psychiatrist, Clinical Psychologist, Social Worker 100% CBT ECZEMA Dermatologist, GP 100% CBT ENDOMETRIOSIS Gynaecologist 100% CBT GASTRO-OESOPHAGEAL REFLUX DISEASE (GORD) GP, Gastroenterologist, Physician, Paediatrician 100% CBT GAUCHERS DISEASE Physician, Paediatrician 100% CBT GOUT PROPHYLAXIS GP 100% CBT HORMONE REPLACEMENT GP 100% CBT HYPERPARATHYROIDISM Physician 100% CBT HYPERTHYROIDISM GP, Paediatrician 100% CBT MENIERE S DISEASE GP, Ear Nose and Throat Specialist (ENT) 100% CBT MIGRAINE PROPHYLAXIS GP, Neurologist 100% CBT MUSCULAR DYSTROPHY Neurologist, Physician, Paediatrician 100% CBT MYASTHENIA GRAVIS Physician 100% CBT NARCOLEPSY Neurologist 100% CBT ORGAN TRANSPLANT Appropriate multi disciplinary team 100% CBT OSTEOARTHRITIS Physician, Rheumatologist, GP 100% CBT OSTEOPOROSIS Physician, Gynaecologist, GP 100% CBT PLEGIA; HEMI, PARA & QUAD Physician, Orthopaedic Surgeon, Physiotherapist, Urologist, Neurologist, Occupational Therapist, Paediatrician, Speech Therapist, GP 100% CBT POLYCYSTIC OVARIAN SYNDROME Gynaecologist 100% CBT PSORIASIS Dermatologist 100% CBT RESTRICTIVE LUNG DISEASE Pulmonologist, Physician 100% CBT TRANSIENT ISCHAEMIC ATTACK / STROKE Physician, Neurologist 100% CBT TUBERCULOSIS GP 100% CBT VALVULAR HEART DISEASE Physician, Cardiologist, Paediatrician 100% CBT

43 Benefit Option Change 2017 EVOLVING WITH YOU 2017 BENEFITS EVOLVING WITH YOU 2017 BENEFITS What makes CAMAF truly unique is the combination of excellent cover, unmatched service and support and our real commitment to ensuring that in both good times and bad, What makes CAMAF truly unique is the combination of excellent cover, unmatched service and support and our real commitment to ensuring that in both good times and bad, we re here for our members. we re here for our members. click here to change your Benefit Option for 2017