CompCare Wellness Medical Scheme. Product Summary Administered by

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1 CompCare Wellness Medical Scheme Product Summary 2014 Administered by

2 CompCare Wellness Medical Scheme CompCare Wellness has implemented overall benefit and limit enhancements of 6% across all options for 2014 whilst limiting contribution increases to 7.7% on all options. CompCare is financially stronger than ever this year with a solvency level of 41%, considerably higher than the 25% minimum required by the Council for Medical Schemes. Those who are new to the Scheme will find that CompCare is sensitive to both healthcare and budgetary needs with no less than six benefit options to choose from as well as efficiency discounted options for those that may prefer using designated service providers in return for a more affordable contribution rate. CompCare has also introduced two new very exciting wellness benefits, the one will give you access to a dietician that will help you with a eating plan whilst monitoring your progress. Under the watch full eye of a biokinetist you will be able to follow a workout plan at an exercise facility. I trust that this summary will provide you with relevant information on the benefit options that we offer, that will not only help you to stay well, but also cover your health costs when in need.

3 Product Overview Pinnacle The Pinnacle option offers comprehensive cover for the discerning achiever, with exceptional hospital and superior day-today benefits comprising a combination of savings account, traditional risk cover and very competitive above threshold benefits. Dynamix The Dynamix option is an attractive new generation plan that offers comprehensive private hospital cover, a savings account and traditional risk benefits with above threshold benefits for day-to-day healthcare expenses. Symmetry The Symmetry option provides unlimited cover in a private hospital of your choice and comprehensive day-to-day benefits paid from traditional risk cover, for complete peace of mind. Pinnacle Dynamix Symmetry Mumed The Mumed option is an affordable plan with traditional benefits for young members and families who want the freedom to see a healthcare provider of choice when necessary. Axis The Axis option is a premium comprehensive private hospital benefit plan with post-operative rehabilitation benefits for complete peace of mind. NetworX The NetworX option is an affordable healthcare plan with exceptional value for students and low-income employees in the corporate sector, and offers essential cover within the Universal Healthcare Provider Network. Mumed Axis NetworX

4 2014 Benefits BENEFIT SCHEDULE PINNACLE DYNAMIX SYMMETRY MUMED AXIS NETWORX Hospitalisation Hospitalisation (private hospitals and nursing homes) preauthorisation, case management and preauthorisation, case management and in a Preferred Hospital Network Efficiency Discount selected as their preferred provider for inhospitals treatment and if chronic medicines are obtained from from a Dischem Pharmacy (including Dischem Courier Pharmacy) selected as their preferred provider for inhospitals treatment and if chronic medicines are obtained from a Dischem Pharmacy (including Dischem Courier Pharmacy) selected as their preferred provider for in-hospitals treatment and if chronic medicines are obtained from from a Dischem Pharmacy (including Dischem Courier Pharmacy) selected as their preferred provider for in-hospitals treatment and if chronic medicines are obtained from from a Dischem Pharmacy (including Dischem Courier Pharmacy) selected as their preferred provider for in-hospitals treatment and if chronic medicines are obtained from from a Dischem Pharmacy (including Dischem Courier Pharmacy) contributions if Public Hospitals are selected as their preferred provider for in-hospital treatment Efficiency Discount with Network N/A N/A N/A day-to-day benefits paid from an Annual Flexi Benefit at a provider within the Universal Network of Service Providers N/A N/A Overall Annual Limit (OAL) Unlimited Unlimited Unlimited R p/b R p/f Unlimited R p/b R p/f Specialised Radiology including MRI, CT and PET Scans Unlimited. Pre-authorisation required for all MRI and CT Scans. High Resolution CT Scans/PET Scans subject to special medical motivation and preauthorisation. for unauthorised scans. for screening purposes. The first R2 120 paid from available MSA. Accumulates to threshold Unlimited. Pre-authorisation required for all MRI and CT Scans. High Resolution CT Scans/PET Scans subject to special medical motivation and preauthorisation. for unauthorised scans. for screening purposes. The first R2 120 paid from available MSA. Accumulates to threshold R p.a. unless otherwise preauthorised. Pre-authorisation required for all MRI and CT Scans. High Resolution CT Scans/PET Scans subject to special medical motivation and pre-authorisation. for unauthorised scans. for screening purposes R p.a. unless otherwise preauthorised. Pre-authorisation required for all MRI and CT Scans. High Resolution CT Scans/PET Scans subject to special medical motivation and pre-authorisation. for unauthorised scans. for screening purposes } R p.a. Pre-authorisation required for all MRI and CT Scans. High Resolution CT Scans/PET Scans subject to special medical motivation and pre-authorisation. for unauthorised scans. for screening purposes 100% AT.. Pre-authorisation required for all MRI and CT Scans. High Resolution CT Scans/PET Scans subject to special medical motivation and pre-authorisation. for unauthorised scans. for screening purposes. Subject to OAL Pathology Unlimited Unlimited R p/f unless otherwise pre-authorised R p/f unless otherwise pre-authorised. Subject to OAL R p/f unless otherwise pre-authorised Subject to OAL, case management and protocols Oncology including Chemotherapy and Radiotherapy and protocols. Limited to OAL and protocols. Limited to OAL Radial Keratotomy & Excimer Laser Annual limit of R5 350 per eye, subject to pre-authorisation and specific degree of myopia, dioptres and astigmatism, or subject to optical limit Annual limit of R4 770 per eye, subject to pre-authorisation and specific degree of myopia, dioptres and astigmatism, or subject to optical limit Annual limit of R3 605 per eye, subject to pre-authorisation and specific degree of myopia, dioptres and astigmatism, or subject to optical limit Subject to optical benefit Day-to-day benefits Day-to-Day Cover (non hospital expenses) Claims are paid initially from the Annual Medical Savings Account - MSA. (20%). Once MSA become exhausted claims are paid from an Annual Flexi Benefit AFB, equal to 5% of contributions where after the member is then liable for the Self Payment (SPG). During this period, claims will accumulate to the Threshold Level at AT. Once the Threshold Level is reached, specific above threshold benefits will be available up to a limit of R7 100 p/b and R p/f with sub-limits Claims are paid initially from the annual Medical Savings Account - MSA (15%). Once MSA become exhausted claims are paid from an Annual Flexi Benefit AFB, equal to 5% of contributions where after the member is then liable for the Self Payment Gap (SPG). During this period, claims will accumulate to the Threshold Level at AT. Once the Threshold Level is reached, specific above threshold benefits will be available up to a limit of R4 770 p/b and R9 540 p/f with sub-limits Benefits are paid from an annual Flexi-benefit (AFB). If AFB is exhausted additional benefits are available. AFB limits: P: R6 550 A: R4 165 C: R1 550 Total AFB = Family limit. No p/b limit Max 3 child dependants Benefits are paid from an Annual Flexi-benefit (AFB). If AFB is exhausted additional benefits are available. AFB limits: P: R4 945 A: R3 090 C: R1 235 Total AFB= Family limit. No p/b limit Max 3 child depenants Post operative rehab physio, occupational therapy, Biokinesis, limited to R2 595 p/f for 14 Days Pre-authorisation required. PMB s only If services are rendered by Universal Network Providers, benefits will be paid at AT up to specified limits. Some benefits subject to an Annual Flexi Benefit (AFB): R2 385 p/b R3 570 p/f General Practitioners 100% AT. Paid from MSA, AFB, SPG, after 100% AT. Paid from MSA, SPG, after 100% AT. first, thereafter consultations (excluding procedures and materials) are unlimited 100% AT. first. Consultations (excluding procedures and materials) limited to M: 6 visits, M+1: 8 visits, M+2: 10 visits, M+3+: 11 visits Once the AFB is depleted, the balance of the visits will be available Unlimited at Universal Network GP Specialists 200% AT. an above threshold benefit of R3 570 is available, subject to overall above threshold limit 100% AT. an above threshold benefit of R3 090 is available subject to overall above threshold limit 100% AT 100% AT 100% AT. 2 visits p/b max 3 p/f per annum. Two additional anti-natal visits per pregnancy. Subject to referral by a Universal Network GP and pre-authorisation of each specialist visit. Referrals limited to specialists located at DSP Network Hospitals only. Subject to AFB Chronic Medicine 72 Conditions (27 CDL conditions + 45 Chronic) Unlimited for registered CDL conditions. Paid from risk. Non-CDL Chronic medication is paid from MSA, AFB and SPG first, limited to R9 520 p/b, Max R p/f Above threshold benefits limited to R3 570 and subject to overall above threshold limit 63 Conditions (27 CDL conditions + 36 Chronic) Unlimited for registered CDL conditions. Paid from risk. Non-CDL Chronic medication is paid from MSA, and SPG first limited to R7 145 p/b, Max R p/f Above threshold benefits limited to R2 380 and subject to overall above threshold limit 46 Conditions ( non-cdl Chronic) Limited to R3 570 p/b, R5 350 p/f. Once benefit, depleted CDL medicines are unlimited Unlimited for the 27 Conditions. Not subject to AFB Unlimited for the 27 CDL Conditions. Not subject to AFB Subject to formulary. FRP applies. 27 CDL conditions - unlimited only if prescribed by Universal Network Provider and dispensed within Universal Network pharmacy or dispensing Universal Network doctor. Any voluntary use of chronic medicine prescribed by out-of-network provider and any nonformulary medicines are for member s own account, unless pre-authorised by the medical advisor. PMB rules apply

5 BENEFIT SCHEDULE PINNACLE DYNAMIX SYMMETRY MUMED AXIS NETWORX Acute medicines (Schedule 3 and higher) Initially paid from MSA, AFB, SPG, thereafter an above threshold benefit of R2 970 p/f is available, subject to overall above threshold limit an above threshold benefit of R2 375 p/f is available, subject to overall above threshold limit s Unlimited if prescribed by a Universal Network GP, or by a specialist, provided member was referred by a Universal Network GP. Subject to formulary. No cover for non-formulary medicines unless otherwise pre-authorised. No cover in cases of voluntary use of non-dsps, or voluntary use of specialist without referral by a Universal Network GP Specialised Radiology including MRI, CT and PET Scans 100% AT. PMBs only. Subject to pre-authorisation and case management Pathology an above threshold benefit of R3 570 p/f is available, subject to overall above threshold limit. Combined limit with radiology an above threshold benefit of R2 385 p/f is available, subject to overall above threshold limit. Combined limit with radiology subject to scheme protocols subject to scheme protocols 100% AT. Unlimited when clinically appropriate within a Universal Network and subject to referral by a Universal Network GP. Limited to list of codes. Subject to case management. if not referred by a Network provider, or by a specialist following referral by a Universal Network GP (except when involuntary) Conservative dentistry including consultations, preventative care, fillings, extractions and infection control 100% AT. Paid from MSA, AFB, SPG, after 100% AT. Paid from MSA, AFB, SPG, after 100% AT. Unlimited., thereafter unlimited 100% AT. Unlimited.. thereafter unlimited s unless PMB.. Specialised Dentistry, including Maxillo- Facial and Oral surgery (In-and-out of hospital combined limit) 100% AT. Paid from MSA and AFB, subject to a sub-limit of R p/b, including hospital & related costs. 100% AT - Paid from MSA and AFB, subject to a sub-limit of R8 988 p/b or R p/f, including hospital & related costs.. Subject to scheme protocols. Limited to R6 000 p/b Implants: for member s account. Subject to scheme protocols. Limited tor1 605 p/b Implants: for member s account unless PMB.. Optical 100% SAOA Rates 100% SAOA Rates 100% SAOA Rates 100% SAOA Rates 100% SAOA Rates DSP Network only Optometry visits 2 visits p/b per annum 2 visits p/b per annum 1 visit p/b per annum 1 visit p/b per annum 1 visit p/b every second year. Lenses, Frames and Contact Lenses 100% AT. Paid from MSA and AFB, subject to a sub-limit of R3 570 p/b. 100% AT. Paid from MSA and AFB, subject to a sub-limit of R2 860 p/b., subject to a sub-limit of R1 605 p/b per annum, subject to a sub-limit of R1 240 p/b and R3 580 p/f per annum Clear plastic single vision (limited to R678) or bi-focal lenses (limited to R848) every second year. for contact lenses. Frames Max of R1 800 per frame - 1 frame p/b per Max of R1 195 per frame - 1 frame p/b per Max of R850 per frame - 1 frame p/b per Max of R620 per frame - 1 frame p/b per Limited range of frames within DSP Network. Speech Therapists, Social Workers, Podiatrists, Occupational Therapists, Homeopaths & Naturopaths, Dieticians, Chiropractors(x-rays excluded), Audiologist, Physiotherapy and Biokinetics () Initially paid from MSA, AFB and SPG up to a collective limit of R5 940 p/f, thereafter an above threshold benefit for physiotherapy and bio kinetics of R2 390 is available. Subject to overall above threshold limit Initially paid from MSA, AFB and SPG up to a collective limit of R4 135 p/f, thereafter an above threshold benefit for physiotherapy and bio kinetics of R1 545 is available. Subject to overall above threshold limit Collective limit of R p/b. 100% AT - Collective limit of R1 550 p/b and R2 470 p/f. unless PMB. PMB rules apply Wellness Benefits Wellness, Lifestyle and Preventative Care ( benefits are paid from risk, except where indicated differently) Blood Pressure, Blood sugar, Cholesterol, BMI R145 p/b over the age of 18 only at DSP pharmacy Rapid HIV tests 1 test p/b per annum Prophylaxis Malaria as required Flu Vaccine, once per year p/b, limited to R74 Tetanus vaccine, one injection when required PSA (Prostate specific antigen) one test per male beneficiary over age 40. Quite smoking programme limited to R2 650 once a lifetime. Cost of programme will be refunded after the cotanine test to prove non-smoking Glaucoma test one p/b per annum Pap Smear one test per female over age of 18 per annum Mammogram one test per female beneficiary over the age of 35 every second year Baby wellness, 2 visits per annum for children between 4 weeks and 18 months at a DSP Vaccinations Childhood Immunisations as recommended by the Department of Health up to 6 years HPC (Cervical Cancer) vaccine One course (3 doses per registered schedule) per female beneficiary between 12 and 18 years of age per life Adult Pneumococcal Vaccine, PB over 60 and high risk members subject to pre-auth. Fitness Assessment and exercise prescription: Access to Universal Network Biokineticists for: Annual fitness assessment Exercise prescription Regular monitoring Strict Protocols apply Nutritional assessment and healthy eating plan: NEW Access to the Universal Network of dieticians for: Annual assessment Healthy eating plan prescription Regular monitoring Strict protocols apply

6 2014 Contributions Contributions Income Principal Adult Child Pinnacle Risk Savings Total , Annual Savings Annual Flexi Benefit Total Day to Day Threshold (incl AFB) Self Payment GAP Pinnacle ED Risk Savings Total Annual Savings , Annual Flexi Benefit Total Day to Day Threshold (incl AFB) 13, Self Payment GAP Dynamix Risk Savings Total Annual savings Annual Flex benefit Total Day to Day Annual threshold Annual Self-payment GAP Dynamix ED Risk Savings Total Annual Savings Annual Flexi Benefit Total Day to Day Threshold (incl AFB) Self Payment GAP Income Principal Adult Child Mumed Mumed ED Mumed ED Network Axis Axis ED NetworX NetworX ED Symmetry Total Annual Flexi benefit Symmetry ED Total Annual Flexi benefit information relating to the 2014 CompCare Wellness Medical Scheme benefits and contributions are subject to formal approval by the Council for Medical Schemes. On joining the Scheme, all members will receive a detailed member brochure, as approved. The final registered Rules of the Scheme will apply. *This brochure is a summary of the CompCare Wellness Medical Scheme. Glossary PMB - Prescribed Minimum Benefit AFB - Annual Flexi Benefit MSA - Medical Savings Account SPG - Self Payment Gap CDL - Chronic Disease List GWR - General Ward Rate P/F - Per family AT - Agreed Tariff P/B - Per beneficiary DSP - Designated Service Provider TTO - To Take Out i.e. medicines taken out of hospital MRP - Mediscor Reference Pricing