Option renewal is the one time of the year where you re given the choice to change your medical aid option.

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1 University of Johannesburg Attention: Bonitas Medical Fund Members Option renewal is the one time of the year where you re given the choice to change your medical aid option. It s a change that will directly influence you and your family s health, so make sure you choose the level of cover that will best suit your needs from 1 January Take some time to understand the changes in your scheme for 2016 so that you have all the information you need to make good choices and enjoy the benefits of living healthy. Are you satisfied with your existing medical aid option? Changing your medical aid option is not compulsory, so if you re satisfied with your current option and believe it will continue to meet you and your family s health needs for the coming year, you re welcome to continue with your chosen option. You will not need to complete any forms, but take note of any changes for 2016 that may apply to your plan. Do you want to change your existing scheme or plan? To change your medical aid option, complete the Option change form (Annexure B) and send it to Gugu Mdleleni at medicalaid@uj.ac.za by no later than 30 November Please note that if you don t notify your the medical aid consultant of your choice before the deadline, you will stay on your current option and will have your next chance to change again at the end of Key questions to ask Was your medical savings enough for this year? How much may you need for next year? Did you reach any of your day-to-day limits? Will you require specialist dentistry? Did you reach your above threshold benefit on the BonComprehensive plan? Will you need comprehensive cover or will a savings option be more suitable? Which plan will cover your chronic medicine needs best?

2 New plans for 2016 Standard Select A traditional option with a savings account over and above the day-to-day benefits. Unlimited hospitalisation at 100% of the Bonitas rate at network hospitals. Non-network hospital admissions will attract a 30% copayment. (See Annexure C for hospital lists) BonFit A new-generation option that offers members unlimited hospitalisation at 100% of the Bonitas rate at network hospitals. A limited savings account for day-to-day benefits. Non-network hospital admissions will attract a 30% copayment.(see Annexure C for hospital lists) Healthcare for Students This is a BonCap option for students only. Individuals must meet the following criteria to qualify: o Be a full-time registered student o Produce proof of registration or an acceptance letter with any institution of higher learning recognised by the department of education o Be under the age of 28. Changes to existing options BonComprehensive 25% copayment in threshold will be removed. Medical savings will reduce to 18.8% from 20%. Thresholds will increase by 27%, thereby increasing the self-payment gap significantly. Six chronic conditions will be added to the option. These are: o Alzheimer s disease (early onset) o Cystic fibrosis o Deep vein thrombosis o Dermatomyositis o HIV and Aids and psoriatic arthritis BonClassic Four chronic conditions have been removed: o Bulimia nervosa o Cystic fibrosis o Motor neuron disease o Thromboangiitis obliterans. Standard Out-of-hospital claims excluding network GP consultations will be paid from current savings available first. Once savings are depleted, claims will be paid from day-to-day benefits. There will be a R5 000 copayment for hip and knee replacements where a non-network provider is used. BonSave Savings account will be reduced slightly to 16%. BonCap Contact lenses will be covered up to R750. Copayment for non-network hospitals (except for emergencies) and failure to pre-authorise will increase to R5 650 Income bands will increase by an average of 7.1% with the exception of the first income band, which is the healthcare option for students.

3 Other benefit changes Cochlear implant cover will increase to R per family per year on the BonComprehensive, BonClassic and Standard options. An Education and Co-ordination of Care Benefit will be introduced early in Electronic Health Record is an exciting online educational web and mobile health portal that will give you access to an abundance of resources to help you make better health choices and to be well-informed. You are required to register on the Bonitas website. Diabetic Management Care through the Centre for Diabetes and Endocrinology will be available on all options for members who have diabetes. Limits in general will increase by inflation, except for optical benefits. Copayments for 23 defined elective in-hospital procedures will range from R1 050 to R5 250 on the BonSave, Primary and BonEssential options. Laparoscopic Nephrectomy will be removed from the copayment list on BonSave, Primary and BonEssential options. Wellness Programme Sanlam Reality From January 2016 you will have access to sign up for Sanlam Reality a lifestyle, wellness, rewards and financial education programme. There will be three options available: Reality Health Reality Club Reality Core Reality Core is specifically tailored for you to save money and achieve financial fitness. The following benefits will be available on the Reality Core option: Day-to-day savings Money Saver Card Saving money on day-to-day shopping (no card fee for three months) Personal Assistant Free help with quotes, directions and more Travel Mango flights save up to 20% on local flights Protea Hotels save up to 20% on accommodation Uber airport transfers save up to 30% on airport transfers Tempest car hire save up to 50% on car hire Health Save up to 60% on monthly service fees at Planet Fitness or JustGym Wealth Wealth Sense A guide to help you become financially fit Sanlam Product Benefits Generous discounts on insurance premiums, investment fees and free additional cover Entertainment Nu Metro pay R15 for a 2D movie Reality Magazine free quarterly lifestyle magazine Ster-Kinekor Movies buy one movie ticket, get one free Simfy Get six months free music streaming, thereafter 50% off The monthly debit order membership fees will be as follows: Membership Option Single option Family option Reality Club R35 N/A Reality Core R70 R100 Reality Health R160 R200

4 Would you like guidance in making your choice? Your Alexander Forbes Health consultant will be available to help you make a good choice so you and your family can enjoy the benefits of living healthy in Consultant contact details: Name of consultant: Gugu Mdleleni Telephone: medicalai@uj.ac.za Your Alexander Forbes Health consultant will also host training on the 2016 medical aid options: Dates Time Monday - 26 October :00 16:00 Tuesday - 27 October :00 16:00 Wednesday - 28 October :00 16:00 Thursday - 29 October :00 16:00 Friday - 30 October :00 16:00 Campus Venue Auckland Park Campus Building 5, Psychad open area Doornfontein Campus John Orr Building, 5th floor, Room 5222 Bunting Road Campus B Block, Red Floor, Room 20 Auckland Park Campus Building 5, Psychad open area Soweto Campus Director s Boardroom Gugu will be available at the different campuses after the above week as follows: Auckland Park Campus Every Monday from 08:30 16:00, Tuesday afternoon from 13:00 16:00, Wednesday from 13:00 16:00, Thursday 08:30 16:00 and Friday afternoons from 13:00 16:00 Doornfontein Campus Every Tuesday from 08:30 12:00 Soweto Campus Every second Friday from 08:30 12:00 Bunting Road Campus Every Wednesday from 08:30 12:00 How much will you pay in 2016? Bonitas announced a weighted average increase of 10.9%. The range of increases on the options is between 10.5% and 11.6%, as follows: Option Increase BonComprehensive 11.6% BonClassic 11.6% Standard 11.5% BonSave 11.5% Primary 10.5% BonEssential 10.5% BonCap 10.9% Please refer to the contribution table (Annexure A) Gap cover insurance Gap cover products are short-term insurance policies that cover the difference between the medical aid tariff and the providers rates (anaesthetists, surgeons, specialists and GPs) for procedures done in hospital, subject to certain limits. Even on your medical scheme s more comprehensive options, you might still experience gaps between the rate the scheme pays and the amount the service provider charges. Make sure you find out where these gaps are in your cover if any, so you can choose how to address your exposure. For more information about the gap cover products available, please contact your Alexander Forbes Health consultant.

5 Our SERVE model drives the way we at Alexander Forbes do business. We strive to deliver Simple and Expert innovative solutions that build long-lasting Relationships founded on the Value of trust all this in the service of Enriching people s lives by providing them with impactful service. As an Alexander Forbes Health client, you can be assured of our unwaivering commitment to help you make good choices to enjoy the benefits of living healthy in More information Follow #AF_Health on Twitter to keep your finger on the pulse of the medical scheme industry. Browsing the website Alexander Forbes/UJ medical aid website: or generic site View our ZMag Brochure sent by Bonitas Medical Fund Sandton +27 (0) or hcclientservices@aforbes.co.za View our CorpCam National walk-in centres Alexander Forbes Complaints: Online contactus@aforbes.co.za Tel Fax Send a letter by post to: Complaints Office P O Box Sandton 2146 Disclaimer: While all reasonable care has been taken in compiling this communication, we have relied upon the accuracy and completeness of the information made available to us by the respective Schemes and Product Suppliers. Consequently we cannot accept any liability for any errors or omissions that may arise as a result of the reliance on such information. Further please note that the Medical Scheme changes are still subject to approval by the Council for Medical Schemes. Alexander Forbes Health will keep you informed as to further information or changes that may become aware of.