major benefit changes 1 Young Family Benefit: risk-funded pre- and postnatal care on all plans

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1 YOUR HEALTH IN YOUR HANDS Health product changes 2018 Discovery Health Medical Scheme s (DHMS) s and contributions will change on 1 January Here s an overview of the most important changes and guidelines should you want to change your plan. As in 2017, employees will in 2018 have the option to participate on either the DHMS or Medihelp and if you would like to review the Medihelp plans, please click on this link Discovery average increase Discovery average weighted increase = 7.9% Comprehensive, Priority and Keycare plans: 8.3% increase Executive and Smart plans: 7.3% increase Saver and Core plans: 7.6% increase Keycare income bands: 5.6% increase major changes 1 Young Family Benefit: risk-funded pre- and postnatal care on all plans 2 Day-to-day Extender Benefit: GPs added to network. Medicine, pathology and external medical items discontinued. 3 Digital health technology: quality medical information available on Discovery app 4 Executive Plan enhancements to medical treatment outside South Africa Other changes Priority & Comprehensive options: Threshold increase of 8.3% Executive plan: Threshold increase of 22.6% No change to Oncology limits Over-the-counter medicine included on Smart plans Refer to Annexure A for the 2018 contribution table. Refer to Annexure B for details of these changes. Refer to Annexure C for details of these changes. Deductible and co-payment changes Vitality Changes - 1 MRI/CT scan co-payments: 0% increase 2 Priority plan deductibles: 8.1% to 8.9% increase 3 Delta plan deductibles: 7.7% increase 4 Smart plan deductibles: 7.3% increase 5 Dentistry co-payments: 7.3% to 7.6% increase Refer to Annexure D for the 2018 co-payments and deductibles. Your company information and how to change your plan Refer to Annexure E for your presentation dates and processes Refer to Annexure F F for for an gap insurance changes option change form Enhanced Booster Benefits NEW Surprise Rewards NEW Vitality Move for all Discovery Health members NEW Vitality Active for under 30s NEW Vitality Purple for Executive plan member Refer to Annexure G for the details of Vitality changes and contributions. HEALTH

2 Annexure A

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4 Annexure B Major changes Executive Plan Change 1 Global Treatment Platform Discovery Health Medical Scheme has enhanced some of the existing s under a new umbrella called the Global Treatment Platform, which offers members access to medical treatment outside South Africa. This platform includes the following: International Second Opinion Services: Members and their treating specialist can access a second opinion for life-threatening and life-changing conditions from world-leading clinical experts at the Cleveland Clinic, funded in full from risk s. Overseas Treatment Benefit: Members can access advanced medical care outside South Africa. Members have R to cover the cost of medical treatment that is unavailable in South Africa. Members also have R to cover the cost of voluntary in-hospital medical treatment outside South Africa. Both these s are subject to Scheme guidelines and managed care protocols as well as a 20% co-payment. International Travel Benefit: In 2018 members will have US$ 1 million per member to cover the cost of medical emergencies while traveling outside South Africa. 2 Day-to-Day Healthcare Expenses The cover for day-to-day and in-hospital healthcare expenses has been restructured as follows: Hospital expenses will now be funded by the hospital and no longer through the medical savings account. The Medical Savings Account (MSA) will be used exclusively for out-of-hospital expenses. The plan now has a self-payment gap and the day-to-day Extender Benefit will cover a defined list of healthcare services in the self-payment gap. In-hospital treatment by specialists remains covered at 300% of the Discovery Health Rate, however other healthcare professionals (such as physiotherapists and GPs) will be increased to 200% of the Discovery Health Rate. Discovery DrConnect Discovery Health Medical Scheme has introduced Discovery DrConnect to all members. This works as follows: Members will have access to an extensive library of doctor-created and peer-reviewed healthcare content. The library provides a credible source of online medical information to members, including doctor-created personalised tips and checklists to help members meet their health goals. Members will also have access to doctors worldwide to get medical advice at no additional cost. Discovery Health Medical Scheme has also integrated this technology into the clinical case management systems, facilitating personalised care pathways to optimise the management of members with specific chronic conditions, as well as mothers during and after pregnancy. Members will be able to conduct virtual follow-up consultations through voice, video or text consultations with their doctors, paid from applicable day-to-day s Members can access DrConnect through the Discovery app and

5 Young Family Benefit All members will have access to this comprehensive maternity and post-birth, which will allow them to enjoy access to 24/7 support, advice and guidelines through the My Pregnancy and My Baby programmes on the Discovery app. Benefits during pregnancy: Benefit pre Birth Executive & Comprehensive plans Priority Plans Saver, Smart, Core and KeyCare plans Ultrasound Scans and prenatal screening 2D Ultrasound Scans 2D Ultrasound Scans 2D Ultrasound Scans Essential Registered Devices R5 000 for breast pumps and smart thermometers with a 25% co-payment No No Private Ward Cover R1 880 per day No No Antenatal Consultations to be used pre and post birth 12 Gynecologists, GP or Midwife visits 8 Gynecologists, GP or Midwife visits 8 Gynecologists, GP or Midwife visits Blood Tests Defined list of routine tests Defined list of routine tests Defined list of routine tests Up to 5 pre or post natal Up to 5 pre or post natal Up to 5 pre or post natal Antenatal classes or classes or consultations with a classes or consultations with classes or consultations with consultations with a nurse registered nurse a registered nurse a registered nurse Benefits from birth of a child to the age of two: Benefit GP and Specialist visits Six week consultation Executive & Comprehensive plans 2 visits with GP, pediatrician or ENT. 1 post birth consultation with a midwife, GP or gynecologist Priority Plans 2 visits with GP, pediatrician or ENT. 1 post birth consultation with a midwife, GP or gynecologist Saver, Smart, Core and KeyCare plans 2 visits with GP, pediatrician or ENT. 1 post birth consultation with a midwife, GP or gynecologist Nutrition assessment 1 assessment with a dietician 1 assessment with a dietician 1 assessment with a dietician Mental Health Lactation consultation 2 mental health consultations with a counselor or psychologist 1 lactation consultation with a registered nurse or a lactation specialist 2 mental health consultations with a counselor or psychologist 1 lactation consultation with a registered nurse or a lactation specialist 2 mental health consultations with a counselor or psychologist 1 lactation consultation with a registered nurse or a lactation specialist Members can activate the Young Family Benefit and create a pregnancy profile on the Discovery Health app or website once they have pre-authorised the delivery of the baby with the Discovery Call Centre. Day-to-Day Extender Benefit Cover for pathology, acute medicine and external medical items through the Day-to-day Extender Benefit will be discontinued in The GP network for the Day-to-day Extender Benefit has been enhanced to include all HealthID enabled GPs. The information in this document belongs to Alexander Forbes. You may not copy, distribute or modify any part of this document without the express written perm

6 Annexure C Other changes for 2018 Other changes 2018 Benefit limits Oncology External medical items limit Spinal devices limit Hip and knee prosthesis limit Increased in line with plan contribution increase No change No change No change Network provider remains unlimited and non-network limit decreased by 21.5% Threshold changes Threshold levels have increased by 8.3% on Comprehensive and Priority Plans. Executive Plan threshold will increase by 22.6%. Plan Principal member Adult Child Executive R R R3 850 Comprehensive R R R3 200 Priority R R R4 660 Changes to the Smart Plan Series Members will have access to schedule 0 2 over the counter medications from a network pharmacy, subject to an annual limit: Classic Smart Plan: R600 per family a year Essential Smart Plan: R400 per family a year. Premier Plus GP Network The Premier Plus GP network has been introduced as the Designated Service Provider for the HIVCare Programme on all plans with the exception of Executive and Comprehensive. This change will be effective for new members registering on the HIVCare Programme from 1 January For members already registered on the HIVCare programme, however, the change will only be effective from 1 July Prior

7 Annexure D Deductibles and co-payment changes for 2018 The Priority plan deductibles range from R3 050 to R Deductibles % increase Conservative back and neck treatment, myringotomy (grommets), tonsillectomy, adenoidectomy Colonoscopy, proctoscopy, sigmoidoscopy, cystoscopy and gastroscopy Arthroscopy, functional nasal procedures, hysterectomy (except for preoperatively diagnosed cancer), endometrial ablation, laparoscopy, hysteroscopy R2 800 R % R3 600 R % R6 750 R % Reflux surgery, spinal (back and neck) surgery and joint replacement R R % The Delta plans deductible increases from R7 100 to R7 650, a 7.7% increase. The Classic Smart Plan deductible increases from R8 200 to R8 800, a 7.3% increase. The deductibles for in-hospital dentistry will increase as follows: Category of members Hospital Day clinic % increase % increase Members younger than 13 R2 050 R % R930 R % Members older than 13 R5 250 R % R3 400 R % MRI and CT scan co-payments remain unchanged for The co-payments for scopes are covered as follows in 2018: In Hospital Out of Hospital/Doctor s Room Executive plan Paid from Hospital Paid from Hospital Comprehensive plan R3 400 Copayment paid from available MSA Paid from Hospital Priority plan R3 900 Deductible paid by member Paid from Hospital Saver R4 200 paid from available MSA Paid from Hospital Smart & Core R4 200 to be paid by member Paid from Hospital KeyCare Cover at Daysurgery network Cover at Daysurgery network

8 Annexure E How can we help you change your plan for 2018? 1. Comparing the DHMS and Medihelp plans Employees can visit the Stellenbosch University Alexander Forbes Health website on the following link to compare the various DHMS and Medihelp plans: By clicking on the Benefit Calculator option on the above mentioned website, any plan comparison can be done and the comparison can be converted into pdf and printed. 2. How to change your plan or scheme for 2018 Members who wish to make a plan change for 2018 will be given the opportunity to make these changes online via the Human Resources link on the University's website. Members will be able to make these changes online from 9 November 2017 until 14h30 on 6 December HOW TO CHANGE YOUR OPTION OR CHANGE YOUR SCHEME FOR 2018 ON THE WEBSITE Visit the SU webpage at Click For Staff Choose My.Sun Choose SUN-e-HR Enter your Username and Password Click on SUN Employee Self Service Click on Remuneration and Banking At External Links choose Medical Aid Choice 2018 Click on Choose Medical Aid for 01 Jan 2018 You will only be allowed to structure your medical scheme option CHOOSE YOUR OPTION FOR 2018 NOW The option to select your option will be under Struktureringsvoordele / Structuring Benefits When clicking on the down arrow v, all the options will appear. Click on your chosen option for 2018 Once you have made your choice, your MSA and Threshold (if applicable) will automatically appear. CONFIRM YOUR CHOICE BY CLICKING ON Save Package Once you have clicked on Save Package you will receive an confirming the option choice that you have made for If you do not receive an it means that your choice has not been stored in your package structuring and we request that you send an urgent to dutoitmar@aforbes.co.za confirming your option choice for The closing date for option choices is 6 December 2017 at 14h30, and not any other date that you may see on any of Discovery Health s communications. Should an employee wish to move to Medihelp, please contact Marie-Louise du Toit or or dutoitmar@aforbes.co.za.

9 3. Do you need help making the choice? Your Alexander Forbes Health consultants, Marie-Louise du Toit and Riaan Oosthuizen, will be available to help you make the right choice so you and your family can enjoy good health. Members can call the Human Resources Client Service Centre on to reserve an appointment with an Alexander Forbes Health consultant regarding their plan choice for All the information regarding medical aid plans for 2018 will be available on the SU website from 9 November 2017 ( Days and times Contact details Address Monday, Tuesday and Thursday 08h00 to 16h00 Wednesday 08h00 to 13h00 Friday 08h00 to 16h00 Tel: (021) or dutoitmar@aforbes.co.za Tel: (021) or dutoitmar@aforbes.co.za Tel: (021) or dutoitmar@aforbes.co.za Stellenbosch Campus, Admin Building Block C Room C1308 Tygerberg Campus Admin Building Room 1061 Alexander Forbes Health Dorp Street Office Stellenbosch ONLINE TOOLS: Please view our Benefits Broadcast ( to access a presentation on the DHMS changes and product information for Your Alexander Forbes Health consultant will also host information sessions on the 2018 schemes. The dates and times of the member information sessions are: Date Time Place 21 Nov Tygerberg (AFR & ENG) 09:00 11:00 Teaching Building, Lecturing Hall Nov General session (AFR & ENG) 09:00 11:00 JSG Library Auditorium 24 Nov General session (AFR & ENG) 09:00 11:00 JSG Library Auditorium 28 Nov Pensioners AFR & ENG 09:00 11:00 JSG Library Auditorium 28 Nov USB-ed (AFR & ENG) 14:00 16:00 Main Building, Room 216 We strongly advise that members attend one of the information sessions, as important aspects of the various DHMS and Medihelp plans will be discussed. 4. Occupational Health: OcsaCare The OcsaCare premium for 2018 increased by 7% from R268 per month in 2017 to R286 per month with effect 1 January The product offers basic day-to-day medical provision for the employee only, with no hospital cover. This product does not cover any dependants. This product is available to personnel on all levels and should you require more information regarding the product, please contacts your Alexander Forbes Health consultant. For more information, please click on the link below:

10 Annexure F Gap insurance changes for 2018 Admed launched their 2018 product offering in October Below is an overview of the most important changes for the year ahead. The main impact of changes in the Short Term Insurance Act (SIA) and Long Term Insurance Act (LIA): 1. The current dental repair and hospital lump sum s have been removed for An overall policy limit of R per person will apply in 2018, but there are certain s that do not accrue to this limit: The cancer lump sum. The personal accident lump sum. 3. The changes in the SIA and LIA allows insurers to have a higher premium for members older than a specific age. Key changes: 1. The limit for internal prosthesis remains unchanged. 2. The lump sum cancer stays at R on diagnosis plus R once the member reaches the medical scheme's oncology limit. The lump sum will not be paid in the following cases: Benign cancers. Localised or stage 1 cancers. Cancers treated with biopsy at the time of diagnosis with no further surgical, medical or radiotherapy. 3. The oncology co-payment (the that covers the co-payment which the scheme applies once the oncology limit is reached) stays unchanged. It covers co-payments up to 20% of the total cost of claims as long as the member is registered on the scheme's oncology programme. It is important to note that the oncology co-payment is subject to the R overall limit even though the cancer lump sum is not. 4. The accidental death/disability has been increased to R This is a 100% increase from Claims must meet Admed's definition of "accidental" death or disability. The is reduced to R for dependants younger than 6 years and to R for dependants between the ages of 6 and 13. Other changes: 1. The casualty has been increased by 100% from R5 000 to R The Admed Primary option now includes cover for PMB claims. 3. All current dependants of policyholders are automatically covered. However, members must notify Admed of new dependants in future by completing and submitting the relevant form. This will not affect the premium - members still pay one premium for the entire family. Exclusions: Admed will apply the following additional exclusion in 2018: 1. Shortfalls for "religious and cultural procedures". Note that this includes circumcisions. 2. Co-payments or penalties for not adhering to scheme rules. Premiums The 2018 premiums for the SU s members on Admed Supreme will increase by 9% from R197 per policy per month to R215 per policy month. The 2018 premiums for the SU s members on Admed Primary will increase by 9% from R156 per policy per month to R170 per policy month.

11 Annexure G Vitality changes for 2018 Vitality Active Rewards Vitality Active Rewards members will be able to spin the wheel and earn a surprise reward on achieving three consecutive goals every three weeks. The current team rewards will fall away. Members will also have the opportunity to track their progress and add an unlimited number of Vitality Active Rewards friends to follow and challenge. Enhanced Booster Benefits Vitality Active Rewards members will be able to choose a bike, device or shoe booster. The rewards are subject to an online activation fee: Booster Online activation fee Rewards Bike booster Device booster Shoe booster Vitality Move R700 R350 R350 Up to 25% of the 1st R of the retail price of the bike over 36 months Up to 50% cash back on the 1st R4 000 of the retail price of the fitness device over 24 months Up to 75% cash back on the first R2000 of the retail price of the running shoes over 12 months Vitality Move is free for all Discovery Health Medical Scheme members. Members can register on the Discovery Health website. Once registered, members: Stand a chance of winning their Pick n Pay HealthyFood shopping spend every time they swipe their Vitality Move cards. Stand a chance of winning back all their shopping expenses at Pick n Pay if they do a Vitality Health Check. To earn the following additional rewards, members must pay an additional monthly fee of R35 for each adult over the age of 18 years: Can get up to R100 off their monthly gym fee at Virgin Active Club or Planet Fitness. Can earn up to R100 in Pick n Pay shopping rewards monthly. Can get up to R100 off movie tickets monthly. To earn the rewards, members must achieve 10 fitness days, their weight must be in range and they must have completed a Vitality Health Check.

12 Vitality Active Vitality Active is designed for young adults who don t belong to Vitality but have DiscoveryInsure. If they achieve a fitness goal and a drive goal, they qualify for weekly Active rewards. If they achieve their weekly goals three times in a row, they qualify for surprise rewards. Members of Vitality Active can get 25% off their gym membership and up to 100% of Discovery SmartLife Plan premiums back. Vitality Active costs R40 per month for members under age 30. Vitality Purple Vitality members with a qualifying Discovery Purple product such as the Executive plan are eligible to upgrade to Vitality Purple. Vitality Purple members have access to the following: Discovery s Executive Wellness Experience, either at Discovery s executive medical centre or in the comfort of their own home or office. 75% off any Virgin Active or Planet Fitness gym membership for the principal member and spouse. Discounted home gym equipment rental. Access to customised training programmes by South Africa s leading sports scientists and professional coaches. Front row seats at iconic local and international sporting and entertainment events. Up to 50% off four premier spa treatments. Up to 50% off high-end fitness devices; up to 25% off premier road or mountain bike brands; or up to 25% off the best golf clubs. Vitality contributions will increase by 9.06% to 11.15%, depending on family size. The contributions for 2018 are as follows: Member only Member +1 Member +2 or more Vitality R239 R289 R329 Vitality Purple R399 R459 R499 KeyFit will be closed to new members from January Existing members can stay on KeyFit and enjoy the existing s or move to an alternative Vitality product. The 2018 premiums are: Member only Member +1 Member +2 or more KeyFit R52 R63 R78 Vitality and KeyFit combination: The combination offer will be closed to new members from January Existing members will however be able to continue to enjoy the s or move to an alternative Vitality product. The 2018 premiums are: Member only Member +1 Member +2 or more Vitality & KeyFit R265 R319 R359 The information in this document belongs to Alexander Forbes. You may not copy, distribute or modify any part of this document without the express written permission of Alexander Forbes. Alexander Forbes Health is a licensed financial services provider (FSP 33471). CMS registration number ORG 3064 Alexander Forbes Communications.