GAP COVER does not provide for charges above the tariff for hospital costs, prosthesis and medication.

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1 NAPTOSA GAP COVER HEALTH INSURANCE POLICY Product Overview Most medical schemes will cover in-hospital expenses defined as services rendered by a Medical Practitioner at the Medical Aid Rate. However, most specialists today are charging rates that are substantially higher than such Medical Aid Rates and you as the member will be liable for the difference. GAP COVER is an Insurance Product that provides cover for you as the principal insured and your dependents registered under your medical scheme, for services provided by Specialists, General Practitioners and Medical Professionals such as physiotherapists for the period of hospitalisation, charged above the benefit paid by your Medical Aid. GAP COVER does not provide for charges above the tariff for hospital costs, prosthesis and medication. Maximum age at entry is 65 years of age. Benefits 1) The insured will receive a benefit equivalent to the costs incurred as a result of the GAP for any hospital admission as an in-patient, and certain out of hospital procedures, within the territory of South Africa. 2) Charges above the Medical Scheme Tariff for services in-hospital and/or the necessity for chemotherapy or radiotherapy for the treatment of cancer on an out-patient basis and/or the necessity for kidney dialysis on an out-patient basis. 3) GAP COVER limitation is 400% of the Medical Scheme Tariff and as from 01 January 2012, the limitation will increase to 500%. 4) The current maximum benefit payable in terms of the GAP COVER policy is as follows: -R in aggregate per annum per Insured Person. -R in aggregate per annum per Family.

2 The maximum benefit payable will increase from 01 January 2012 to R per family per annum. 5) A three month waiting period applies. 6) A twelve month pre-existing condition waiting period applies. 7) Dependents as defined below will automatically be covered under the Gap Cover, however, it still remains the responsibility of the principal insured to provide proof of dependency at claim stage: -Eligible Spouse means the spouse of the Principal Insured Person who is not already insured under this section or any other policy issued by the Company providing similar cover. A spouse shall only be accepted for cover in terms of this policy if such spouse is a member of a registered and accredited medical aid scheme. For the purpose of the Policy eligible spouse shall include a party to any union acceptable according to South African law. Where a person shares an abode with a Principle Insured Person and has done so for at least six months and lives together in the manner of a legally married couple, the person shall be regarded as a spouse. Should a Principle Insured Person have more than one spouse who could qualify as an eligible spouse then that Principle Insured Person must make an irrevocable nomination of one eligible spouse to whom the benefits provided by this policy are to apply. -Eligible child means a child who is factually (by way of natural/biological child born of or stepchild or legally adopted child or placed under the foster care of the Principle Insured member) or financially dependent on the Principle Member and who has not attained the age of twenty one (21) and who is not already insured under this policy or any other insurance issued by the Company providing similar cover. This age may be extended to twenty five (25) in respect of an unmarried child who is a full time student. There will be no age restriction for children who are either mentally or physically incapacitated from maintaining themselves provided that the children are wholly dependent on the Principle Insured Member for support and maintenance. A child shall only be accepted for cover if such child is

3 covered in terms of the Principle Insured Member s medical aid scheme AS A CHILD DEPENDENT. Adult dependents with the exception of your spouse/partner are not covered under Gap Cover. -Extended Family Dependants means a family is defined as the Principal Insured and immediate family, including spouse and children. Extended family dependants are not considered as part of the family. 8) The necessity for out-patient treatment for the following procedures: -General Surgery -Surgical biopsy or breast lump. -Hernia repairs o Inguinal hernia o Femoral Hernia o Umbilical hernia o Epigastric hernia o Spigelian hernia -Ischio-rectal abscess drainage -Closure of colostomy -Surgical haemorrhoidectomy (excluding sclerotherapy or band ligation) -Urology -Vasectomy -Cystoscopy -Orchidopexy -Prostate biopsy -Ophthalmology -Cataract removal

4 -Pterygium removal -Trabeculectomy -ENT Surgery -Direct laryngoscopy -Tonsillectomy o Laser o Conventional -Nasal Sugery (Turbinectomy and Septoplasty) -Sinus surgery (FESS) -Myringotomy -Grommets -Orthopaedic -Arthroscopy -Carpal Tunnel Release -Ganglion surgery -Bunionectomy -Paediatric Surgery -Orchidopexy -Hepatobiliary surgery -Needle biopsy of the liver -Cardiothoracic surgery -Bronchoscopy -General Medical Cardiology

5 -Coronary angioplasty -Coronary angiogram -Neurology -48 hour halter EEG -Immunology -Plasmatheresis -Gastroenterology -Oesophagoscopy -Gastroscopy -Colonoscopy -ERCP -Diagnostic Radiology -Myelogram -Bronchography -Angiograms o Cartoid o Cerebral o Coronary o Peripheral -Obstetrics and Gynaecology -Tubal ligation -Childbirth in a non-hospital setting -Incision and drainage of Bartholini s cyst

6 -Marsupialization of Bartholini s cyst -Cervical laser ablation -Hysteroscopy -Phototherapy -Dilation and curettage -Hyperbaric oxygen treatment for: -Radionecrosis -Malunion of major fractures -Avascular leg ulcers -Decompression sickness -Chronic osteitis -Serious anaerobic infections Exclusions No benefits are payable for hospitalisation, injury or illness directly or indirectly caused by or in consequence of: 1) Nuclear weapons or nuclear material or by ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel. For the purpose of this exemption, combustion shall include any self-sustaining process of nuclear fission. 2) Investigations, treatment or surgery for obesity, its sequel or cosmetic surgery, directly or indirectly caused by or related to or in consequence of cosmetic surgery other than as a result of an insured event otherwise insured. 3) Cosmetic surgery shall include surgery for breast reduction or reconstruction unless necessitated as a result of treatment for cancer. 4) Routine physical or any procedure of a purely diagnostic nature or any other examination where there are no objective indication of impairment in normal

7 health and laboratory diagnostic or X-ray examinations except in the course of a disability established by prior call or attendance of a physician. 5) Suicide, attempted suicide or intentional self-injury. 6) The taking of any drug or narcotic unless prescribed by and taken in accordance with the instructions of a registered medical practitioner (other than the insured person) or any illness caused by the use of alcohol. 7) Drug addiction. 8) An event directly attributable to the insured person being under the influence of drugs or alcohol or the insured person suffering from alcoholism. 9) Participation in: -Active military duty, police duty, police reservist duty, civil commotion, labour disturbances, riot, strike or the activities of locked out workers. -Aviation other than as a passenger. -Any form of race or speed test ( other than on foot or involving any nonmechanically propelled vehicle, vessel, craft or aircraft) 10) Pregnancy or childbirth during the first 9 months of the contract. 11) Parents or relatives are not covered under the Principle s Gap Cover even if they are listed on the Principle Member s medical aid. Parents or relatives need to take out their own separate Gap Cover Policy should they require it, provided that they fall within the maximum age of entry of 65 years of age. 12) This GAP COVER does not cover claims for co-payments. A co-payment can be better described as an excess (same as in car insurance) charged by the medical aid scheme for certain in-hospital procedures. The Principle Insured Member will be held responsible for these co-payments. However copayments are covered in GAP COVER levels Plus 1, Plus 2, Plus 4 and Plus 4. 13) Should either the Principle Insured Member or any of the Principle Insured Member s dependents ever been diagnosed or treated for any form of cancer, there will be a permanent exclusion for that person on GAP COVER including Cancer Sub-Limits Gap Plus Level 4 Policy for cancer drugs.

8 Gap Cover Products Three choices with different attachment points to the Principle Insured medical aid as follows: Attachment Point Monthly Premium 100% NHRPL R % NHRPL R % NHRPL R60.00 Claiming Procedure 1) Claims must be submitted within 6 months of procedure date. 2) The underwriter shall not be liable in respect of any claims submitted outside the 6 month of procedure date period. 3) Completed & signed claim form, medical aid statement reflecting the gap claim and all related accounts i.e. hospital, specialist, general practitioner etc. must be forwarded to Memp Financial Services (Pty) Ltd for checking. 4) Memp Financial Services (Pty) Ltd will forward your claim to the administration company for processing. 5) Claim forms are also available from Ronbel Administration and Financial Services at ronbel@mweb.co.za or ronbelss@gmail.com. Enquiries Contact details for claims are as follows: Tel. : Cell. (Colin) : Cell. (Jon) : Fax : ronbelss@gmail.com or ronbel@mweb.co.za

9 Postal Address : 8 Main Road Walmer Port Elizabeth 6070 This brochure is for information purposes only. All claims are subject to the Master Policy Document. Statutory Notice to Short Term Policy Holders Important : Please read carefully V Disclosures and other legal requirements (This notice does not form part of the Insurance Contract or any other document) As a short term insurance policy holder or prospective policy holder, you have the right to the following information: 1) About the Insurer Name: Constantia Insurance Company Limited Physical Address: Unit 2 Tulbagh, 360 Oak Avenue, Randburg, 2194 Postal Address: P.O. Box 3518, Cramerview, 2060 Telephone Number: Fax Number: Compliance Company: Moonstone Information Refinery (Pty) Ltd: Complaint Process: Any complaints in terms of the failure of Constantia Insurance Company Limited or your insurance broker to comply with the terms of the Policy Holder Protection Rules should be lodged in writing to the Compliance Officer of Constantia Insurance Company Limited. If such complaint is not resolved to your satisfaction, you may refer your complaint in writing to:

10 Registrar of Short Term Insurance Financial Services Board P.O. Box Menlo Park 0102 Telephone Number: Fax Number: Any claim problems which are not satisfactorily resolved by the insurance intermediary and/or Constantia Insurance Company Limited may be referred to: The Ombudsman for Short Term Insurance P.O. Box Braamfontein 2017 Telephone Number: Fax Number: ) Broker Commission In terms of the Short term Act an intermediary is entitled to 12.5% commission on motor insurance and 20% for any other class of business. 3) Agreement Constantia Insurance Company Limited has an agreement with Ambledown Risk and Underwriting Managers (Pty) Ltd to act as an independent intermediary for all policy holders introduced to Constantia Insurance Company Limited, by its appointed brokers.