Alliance Midmed Medical Scheme
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1 Alliance Midmed Medical Scheme Registration number: 1456 REPORT OF THE BOARD OF TRUSTEES Year ended 31 December DESCRIPTION OF THE MEDICAL SCHEME 1.1 Terms of registration Alliance Midmed Medical Scheme is a non-profit closed healthcare scheme registered in terms of the Medical Schemes Act 131 of Its membership is restricted to employees who work for Columbus Stainless, Middelburg Ferrochrome, Middelburg Technochrome, Palmiet Ferrochrome and Thos Begbie. 1.2 Benefit options within Alliance Midmed Medical Scheme Alliance Midmed offers a single new generation benefit option from which benefits are paid either through the major medical pool or through the medical savings accounts. 1.3 Savings plan In order to provide for out of hospital benefits and a facility for scheme members to set funds aside to meet future healthcare costs not covered in the benefit options, the Trustees have made the medical savings account available to meet this objective. In 2005 Alliance Midmed Medical Scheme offered a choice of the following savings levels 0%, 10%, 15%, 20% or 25% to provide cover for day-to-day expenses. The liability to the members in respect of the savings plan is reflected as a current liability in the financial statements, repayable in terms of Regulation 10 of the Act. In terms of the rules of the scheme, the Scheme carries the risk. 2. MANAGEMENT 2.1 Board of Trustees in office during the year under review: L Kraucamp Chairman FJ Mabhena Employer trustee L Burger Employer trustee (resigned 31/3/2005) V Roach Employer trustee G van Rooyen Employer trustee J Attenborough Employer trustee (appointed 24/6/05) SD Muller Member trustee MH de Lange Member trustee GR Le Roux Member trustee BJ Williams Pensioner trustee EC Groesbeek Alternate employer trustee (resigned 24/6/2005) A Snell Alternate employer trustee (appointed 23/9/2005) JL Strydom DC Fokker A Abrie GC MacKenzie Alternate Pensioner trustee 1
2 2.2 Principal Officer JH Hartzenberg Columbus Stainless Time office, Block D 10 Hendrina Road Middelburg Scheme Administrator The Scheme is administered by Sovereign Health (a division of Momentum Group Ltd). 2.4 Registered Office address and Postal address: Sovereign Health 1 3 Canegate Road, PO Box 2338 La Lucia Ridge Durban Consultant Dr M Naude (Consulting doctor) 2.6 Bankers The Standard Bank of South Africa Ltd. 2.7 Auditors Deloitte and Touche 2.8 Investment managers during the year MS Capital PO Box Muswell Road, South Bryanston Bryanston INVESTMENT POLICY OF THE SCHEME The Trustees continue to invest excess funds in line with the requirements of the Registrar of Medical Schemes. There has been no change in the policy during the current accounting period and the Scheme continues to invest in short term bank deposits. 2
3 4. REVIEW OF THE ACCOUNTING PERIOD S ACTIVITIES 4.1 Operational statistics Number of members at the end of the year 1,682 1,696 Number of dependants at the end of the year 2,970 2,962 Average number of members for the year 1,707 1,669 Beneficiaries per member at the end of the year Average age of beneficiaries for the year Pensioner ratio (beneficiaries > 65 years) 3.22% 1.80% Average net contributions per member per month R 1,686 R 1,620 Average net contributions per beneficiary per month R 612 R 589 Average claims incurred per member per month R 1,267 R 1,008 Average claims incurred per beneficiary per month R 460 R 367 Average administration costs per member per month R 184 R 176 Average administration costs per beneficiary per month R 67 R 64 Average accumulated funds per member at the end of the year R 20,062 R 15,716 Net claims as a percentage of net contributions 75% 62% Administration expenses as a percentage of net contributions 11% 11% 4.2 Results of operations The results of the Scheme are set out in the financial statements, and the Trustees believe that no further clarification is required. During 2005 the continued focus of the Trustees has been on the intensive management and good administration of the Scheme. This has resulted in a surplus of R7.1 million (2004: R10.2 million). Sound management principles implemented by the Board of Trustees have ensured the continued financial stability of the Scheme. 3
4 4.3 Accumulated funds The accumulated funds ratio is calculated on the following basis: 2005 R R 000 Accumulated funds per Regulation 29 of the Act 33,744 26,655 Gross contributions 45,475 42,384 Accumulated funds ratio = Accumulated funds/gross annual contribution income x 100% 74.20% 62.89% 4.4 Reserves Movements in the reserves are set out in the Statement of Changes in Accumulated Funds. There have been no unusual movements that the Trustees believe should be brought to the attention of the members of the Scheme. 4.5 Outstanding claims Movements on the outstanding claims provision are set out in Note 6 to the financial statements. There have been no unusual movements that the Trustees believe should be brought to the attention of the members of the Scheme. 5. INVESTMENTS IN AND LOANS TO EMPLOYERS OF MEMBERS OF THE SCHEME AND TO OTHER RELATED PARTIES The scheme holds no investments in participating employers of Scheme members. 6. SUBSEQUENT EVENTS No events have occurred subsequent to the end of the accounting period that affect the annual financial report and that the trustees consider should be brought to the attention of the members of the Scheme. 7. AUDIT COMMITTEE An audit committee was established in accordance with provisions of the Act. The committee is mandated by the board of trustees by means of written terms of reference as to its membership, authority and duties. The committee consists of five members of which two are members of the Board of Trustees. The chairperson and two other members are not officers of the Scheme or its third party administrator. The committee met on three occasions during the course of the year as follows: 15 April September December 2005 The chairman of the Scheme, the financial manager of the administrator and the external auditors attend audit committee and has unrestricted access to the chairman of the committee. In accordance with the provisions of the Act, the primary responsibility of the committee is to assist the board of trustees in carrying out its duties relating to the medical scheme s accounting policies, internal control systems and financial reporting practices. The external auditors formally report to the committee on critical findings arising from audit activities. 4
5 The audit committee comprises: JF Miller (Chairman), SD Muller, G van Rooyen, SJ Botha and T Fincham. 8. NON-COMPLIANCE MATTERS The Trustees are of the opinion that there are no material deviations from the Act. However, not all premiums are received within 3 days. There are sufficient credit control policies to minimise the risk of recoverability. This is further reduced by the fact that Alliance Midmed Medical Scheme is a closed scheme. 9. TRUSTEES AND AUDIT COMMITTEE MEMBERS MEETING ATTENDANCE Board of trustees Audit Committee Annual general Number of held Trustee A B A B A B L Kraucamp (Chairman) FJ Mabhena J Attenbourough V Roach G Van Rooyen SD Muller MH de Lange GR Le Roux BJ Williams JL Strydom (alternate trustee) A Snell (alternate trustee) A Abrie (alternate trustee) GC Mackenzie (alternate trustee) Audit committee member JF Miller SJ Botha T Fincham A = maximum possible attendance B = actual attendance Alternate trustees are only invited to attend trustee when a trustee is unable to do so. As such, they are not required to attend all meeting held during the year. 5
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