ALLIANCE DOUBLE PLUS VITAL ESSENTIAL FIRST CHOICE NETWORK CHOICE

HOSPITAL ACCOMMODATION INCLUDING CONFINEMENTS SUBJECT TO PRE-AUTHORISATION ATTENDING DOCTORS AND SPECIALISTS CONSULTATIONS MEDICAL AND SURGICAL PROCEDURES INCLUDING CONFINEMENTS AUXILIARY HEALTHCARE IN HOSPITAL (EG. PHYSIOTHERAPY AND PSYCHOTHERAPY) BLOOD TRANSFUSIONS (IN AND OUT OF HOSPITAL) RADIOLOGY IN HOSPITAL ADVANCED SCANS SUBJECT TO PRE-AUTHORISATION PATHOLOGY IN HOSPITAL INTERNAL PROSTHESIS SUBJECT TO PRE-AUTHORISATION HOME NURSING UP TO 21 DAYS, SUBJECT TO PRE-AUTHORISATION STEP DOWN APPROVED FACILITIES ONLY, UP TO 90 DAYS SUBJECT TO PRE-AUTHORISATION MEDICATION IN HOSPITAL TTD MEDICATION UP TO ONE WEEK S SUPPLY INFERTILITY TREATMENT ALLIANCE DOUBLE PLUS VITAL ESSENTIAL FIRST CHOICE NETWORK CHOICE All benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in the Regulations listed in the Medical Schemes Act. IN HOSPITAL PRESCRIBED MINIMUM BENEFITS. Private ward for confinements (subject to availability) Up to 300% CBT 100% of Scheme Rate Up to 300% CBT Up to 300% CBT Up to 200% CBT Up to 100% DSP tariff as per protocols Up to Physiotherapy limited to R 8 050 per family 100% of cost 100% of cost 100% of cost 100% of cost 100% of cost 100% of cost limited to R 21 800 per - in or out of hospital limited to R 24 000 per family - in or out of hospital 100% Negotiated Rate 100% Negotiated Rate 100% Negotiated Rate 100% Negotiated Rate 100% of cost 100% of cost 100% of cost 100% of cost 100% of cost 100% of cost limited to R 24 000 per family (in lieu of hospitalisation only) 100% Negotiated Rate 100% Negotiated Rate 100% Negotiated Rate 100% Negotiated Rate 100% Negotiated Rate 100% DSP Tariff 100% SEP plus dispensing fee 100% SEP plus dispensing fee 100% SEP plus dispensing fee 100% SEP plus dispensing fee 100% SEP plus dispensing fee 100% SEP plus dispensing fee 100% SEP plus dispensing fee 100% SEP plus dispensing fee 100% SEP plus dispensing fee 100% SEP plus dispensing fee 100% SEP plus dispensing fee 100% SEP plus dispensing fee Treatment limited to R 54 000 per family Treatment limited to R 37 800 per family No benefit No benefit No benefit No benefit SUBSTANCE ABUSE CHRONIC PMB CDL MEDICATION AND TREATMENT - SUBJECT TO PRE-AUTHORISATION AND PROTOCOLS REFER TO CHRONIC DISEASE LIST PMB DTP TREATMENT OUT OF HOSPITAL TREATMENT SUBJECT TO REGISTRATION OF CONDITION AND PRE-AUTHORISATION rehabilitation treatment per rehabilitation treatment per rehabilitation treatment per rehabilitation treatment per rehabilitation treatment per rehabilitation treatment per Page 1

ALLIANCE DOUBLE PLUS VITAL ESSENTIAL FIRST CHOICE NETWORK CHOICE All benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in the Regulations listed in the Medical Schemes Act. PREVENTATIVE WELLNESS COVER CAMAF LIFESTYLE PROGRAMME PER ADULT BENEFICIARY ONE GP CONSULTATION ONLY ICD 10 CODE SPECIFIC TO GENERAL CHECK UP ONLY ONE SPECIALIST CONSULTATION * ICD 10 CODE SPECIFIC TO GENERAL CHECK UP ONLY. GYNAECOLOGISTS, UROLOGISTS, OR SPECIALIST PHYSICIANS FOR BENEFICIARIES OVER 16 YEARS. PAEDIATRICIAN FOR BENEFICIARIES UNDER INCLUDES: An initial assessment by a nurse within Clicks or Dischem clinics or at a Biokineticist within the network A personalised exercise and eating programme Reporting and goal setting Follow-up measuring and tracking at Clicks, Pick n Pay or Dischem clinics, Lifezone or Healthzones Access to the Web Life Zone Regular ongoing communication Telephonic access to a coach, Biokineticist or Dietician. per per per 80% CBT per Refer to GP, Specialist and Dentist per per per 80% CBT per Refer to GP, Specialist and Dentist PSYCHOTHERAPY SUBJECT TO REGISTRATION ON EMOTIONAL WELLNESS PROGRAMME limited to R 7 550 per limited to R 7 550 per limited to R 7 550 per limited to R 7 550 per 80% CBT limited to R 6 500 per for PMB DTP conditions, in or out of hospital ONE DENTISTRY CONSULTATION GENERAL CHECK UP ONLY per per per 80% CBT per Refer to GP, Specialist and Dentist ECG (GP AND SPECIALIST PHYSICIANS) * ICD 10 CODE SPECIFIC TO GENERAL CHECK UP ONLY * Refer to website for relevant ICD 10 codes per adult per adult per adult 80% CBT per adult Refer to GP, Specialist and Dentist ONE CONSULTATION AT AN OPTOMETRIST 100% Optical Assistant fees 100% Optical Assistant fees 100% Optical Assistant fees Refer to spectacle and lenses benefits Refer to spectacle and lenses benefits METABOLIC SCREENING FOR NEW BORN BABIES IMMUNISATION (COST OF IMMUNISATION ONLY) CERVICAL CANCER VACCINE 100% Negotiated Rate per new born R 3 250 per 100% Negotiated Rate per new born Adults R 1 620 - Child R 2 700 100% Negotiated Rate per new born R 1 080 per R 1 080 per 80% Negotiated Rate per new born R 1 080 per SEP plus a dispensing fee, subject to MMAP, limited to R 1 080 per Females between 9 and 16 years of age Females between 9 and 16 years of age Females between 9 and 16 years of age Females between 9 and 16 years of age Females between 9 and 16 years of age Page 2

ALLIANCE DOUBLE PLUS VITAL ESSENTIAL FIRST CHOICE NETWORK CHOICE OTHER BENEFITS (per Beneficiary) NOT SUBJECT TO THE ANNUAL OVERALL BENEFIT LIMIT BASIC AND ADVANCED RADIOLOGY OUT OF HOSPITAL Must be performed by a registered radiologist, on referral from medical practitioner only. Advanced scans subject to pre-authorisation PATHOLOGY OUT OF HOSPITAL Performed by a registered pathologist and referred by a medical practitioner limited to R 2 800 per 100% Negotiated Rate 100% Negotiated Rate 100% Negotiated Rate limited to R 4 100 per Basic Radiology - as per protocols (including Mammograms for females over 40) Basic Pathology - as per protocols referred by DSP or specialist,, limited to R 4 450 per POST-HOSPITALISATION UP TO 90 DAYS 300% CBT for attending practitioners for auxiliary services 300% CBT for attending practitioners for auxiliary services 300% CBT for attending practitioners for auxiliary services MEDICATION FOR ADDITIONAL CHRONIC CONDITIONS (SUBJECT TO PRE-AUTHORISATION) REFER TO ADDITIONAL CHRONIC CONDITIONS LIST subject to RP and DSP Consultations subject to RP and DSP subject to RP and DSP except for Depression except for Depression EXTERNAL APPLIANCES IN AND OUT OF HOSPITAL PURCHASE, HIRE AND MAINTENANCE HEARING AIDS - 1 CLAIM PER 3 YEAR CYCLE FOR OVER 16 YEARS OF AGE YOUNGER THAN 16 YEARS OF AGE - 18 MONTH CYCLE WHEELCHAIRS - 3 YEAR CYCLE INSULIN PUMPS, SUBJECT TO PRE-AUTHORISATION - 4 YEAR CYCLE 100% of cost subject to the overall limit of R 54 000 per and Hearing Aids: R 54 000 Wheelchairs for Quadriplegics: R 54 000 Standard Wheelchairs: R 32 400 Insulin Pumps: R 32 400 Other external appliances: R 10 800 Baby Apnoea monitors: R 1 600 Breast pumps: R 2 700 100% of cost subject to the overall limit of R 43 200 per and Hearing Aids: R 43 000 Wheelchairs for Quadriplegics: R 43 000 Standard Wheelchairs: R 27 550 Insulin Pumps: R 28 080 Other external appliances: R 9 180 Baby Apnoea monitors: R 1 600 Breast pumps: R 2 700 100% of cost subject to the overall limit of R 24 850 per and Hearing Aids: R 21 600 Wheelchairs for Quadriplegics: R 21 600 Standard Wheelchairs: R 27 550 Insulin Pumps: R 15 120 Other external appliances: R 5 400 Baby Apnoea monitors: R 1 600 Breast pumps: R 2 700 100% of cost in hospital and 80% of cost out of hospital with an overall limit of R 10 900 per and Baby Apnoea monitors: R 1 500 Breast pumps: R 2500 100% of cost limited of R 4 160 per and subject to DSP referral and subject to the following sub-limits: Baby Apnoea monitors: R 1 500 Breast pumps: R 2500 NETCARE 911 EMERGENCY SERVICES Subject to Netcare 911 Page 3

DAY TO DAY BENEFITS BENEFITS BELOW ARE SUBJECT TO THE OVERALL ANNUAL LIMIT GP S, SPECIALISTS AND DENTISTS CONSULTATIONS, PROCEDURES AND RADIOLOGY PERFORMED BY THESE PRACTITIONERS; BASIC DENTISTRY ACUTE MEDICATION INCLUDING INJECTIONS AND MATERIALS NON-DSP VISITS TO DOCTORS ROOMS CASUALTY AND OUT PATIENT TREATMENT AT A HOSPITAL ALL MEDICATIONS WILL BE PAID OUT OF ACUTE MEDICATION BENEFIT HOME NURSING AUXILIARY HEALTH AUDIOLOGY, CHIROPRACTORS, OPTICIANS, HOMEOPATHS, OCCUPATIONAL THERAPY, PHYSIOTHERAPISTS, PODIATRY AND SPEECH THERAPY ADVANCED DENTISTRY CROWNS, BRIDGES AND DENTURES OTC MEDICATION LASER K NO APPROVAL FOR SURGERY WHERE SPECTACLES OBTAINED IN PREVIOUS 12 MONTHS ANTE-NATAL FOETAL SCANS PER PREGNANCY ANTE-NATAL CLASSES SUBJECT TO ENROLMENT ON THE MOTHER-TO-BE PROGRAMME SPECTACLES AND LENSES FROM OPTOMETRIST ONLY ANNUAL BENEFIT, UNLESS OTHERWISE STATED ALLIANCE DOUBLE PLUS VITAL ESSENTIAL FIRST CHOICE NETWORK CHOICE OTHER BENEFITS (per Beneficiary) SUBJECT TO THE ANNUAL OVERALL BENEFIT LIMIT Annual Overall Limits Adult R 20 400 Child R 13 100 Annual Overall Limits Adult R 8 000 Child R 5 590 Annual overall limit: Beneficiary specific limits: (a) Medicines 80% CBT 80% CBT 80% CBT Subject to limit (c) 80% SEP plus a dispensing fee 80% SEP plus a dispensing fee 80% SEP plus a dispensing fee, subject to MMAP. Subject to limit (a) General practitioner consultations 10 per through a DSP Specialist consultations: limited to R 6 350 per family, only on referral from your network GP Basic dentistry: 100% Scheme Tariff at network provider only 100% SEP plus a dispensing fee for basic formulary and 80% SEP plus dispensing fee for extended formulary, both subject to MMAP Not applicable Not applicable Not applicable Not applicable Not applicable One non-network visit per or two per family, 20% co-payment 80% CBT 80% CBT Medication: 80% plus a dispensing fee OR Subject to limit (a) One casualty visit (attending doctor, Treatment: 80% CBT subject to limit (c) facility fee, consumed meds and materials). Limited to R 1 040 80% CBT up to 21 days 80% CBT up to 21 days 80% CBT subject to limit (c) 80% CBT 80% CBT 80% CBT subject to sub-limit R 1 090 Subject to limit (c) 80% CBT limited to: Mo R 10 800 M1 R 16 200 M2+ R 19 440 Subject to Annual Benefits 80% SEP plus a dispensing fee, limited to R 2 700 per 80% CBT limited to: Mo R 8 000 M1 R 11 660 M2+ R 15 660 Subject to Annual Benefits 80% SEP plus a dispensing fee, limited to R 1 190 per 50% CBT Subject to limit (b) excluding dental implants 80% SEP plus a dispensing fee, subject to MMAP, limited to R 1 150 per. Subject to limit (a) 80% CBT limited to R 8 100 per eye 80% CBT limited to R 3 000 per eye 80% CBT limited to R 1 620 per pregnancy 80% CBT limited to R 1 190 per pregnancy 80% CBT subject to sub-limit R 660 Subject to limit (c) Occupational therapy and physiotherapy only limited to R 1 730 per on referral from DSP only 100% of CBT at network privider only, limited to R 2 490 per 6 Scans at 80% CBT 3 Scans at 80% CBT 3 scans at 80% CBT. Subject to limit(c) 3 scans at 80% CBT Consultation: See Preventative Wellness Add ons R 860 Single vision R 1 080 OR Bifocal R 2 160 OR Varifocal R 3 250 OR Frames R 4 300 AND Contact lenses R 5 400 OR Lenses, frames etc 80% Optical Assistant Fees Consultation: See Preventative Wellness Add ons R 700 Single vision R 700 OR Bifocal R 1 900 OR Varifocal R 2 920 OR Frames R 1 950 AND Contact lenses R 2 700 OR Lenses, frames etc 80% Optical Assistant Fees Consultation: Part of Preventative Wellness BENEFIT SPECIFIC LIMITS 80% SEP plus a dispensing fee, subject to MMAP, limited to R700 per The benefit PER BENEFICIARY at a PPN provider would be as follows: For the benefit cycle of 24 months from date of claiming, each is entitled to: One Composite Consultation inclusive of a Refraction, Tonometry and Visual Field screening AND EITHER SPECTACLES - A PPN Frame to the value of R150 or R550 off any alternative frame and/or lens enhancements and one pair of lenses: either One pair of Clear Aquity Single Vision; Clear Aquity Bifocal lenses or Clear Aquity Multifocal lenses OR CONTACT LENSES - Contact lenses to the value of R800. The benefit PER BENEFICIARY at a NON PPN provider would be as follows: One consultation per Beneficiary during the Benefit Cycle, limited to a maximum cost of R270 WITH EITHER SPECTACLES - A frame benefit of R 550 towards the cost of a frame and/or lens enhancements and one pair of lenses: either one pair of clear single vision spectacle lenses limited to R140 per lens or one pair of clear flat top bifocal spectacle lenses limited to R 310 per lens or one pair of clear flat top Multifocal lenses limited to R570 per lens OR CONTACT LENSES - Contact Lenses to the value of R800. Page 4

ALLIANCE DOUBLE PLUS VITAL ESSENTIAL FIRST CHOICE NETWORK CHOICE MONTHLY RISK CONTRIBUTION Adult R 3 085 Child R 1 780 MONTHLY MSA CONTRIBUTION Adult R 400 Child R 195 Adult R 3 485 Child R 1 975 MONTHLY RISK CONTRIBUTION Adult R 2 040 Child R 1 240 MONTHLY MSA CONTRIBUTION Adult R 260 Child R 173 Adult R 2 300 Child R 1 413 MONTHLY CONTRIBUTION RATES Adult R 1 320 Child R 730 Principal R 1 025 Adult R 815 Child R 500 INCOME CATEGORY R 0 - R 3 270 Adult R 295 Child R 165 R 3 271 - R 6 390 Adult R 580 Child R 345 R 6 391 - R 12 340 Adult R 920 Child R 535 R 12 341 - R 17 480 Adult R 1 385 Child R 795 R 17 481 + Adult R 1 725 Child R 1 110 TOTAL MONTHLY CONTRIBUTION INCOME CATEGORY R 0 - R 15 930 Principal R 930 Adult R 785 Child R 430 (the rest are free) R 15 931 - R 26 230 Principal R 1 235 Adult R 965 Child R 660 R 26 231 + Principal R 1 645 Adult R 1 340 Child R 865 TOTAL MONTHLY CONTRIBUTION Page 5

ADULT CBT CDL CML/ Formulary CHILD DISPENSING FEES DSP DTP ICD 10 CODE METABOLIC SCREENING Newborn screening whereby rare disorders are detected by a blood test done 48-72 hours after birth. MMAP Maximum Medical Aid Price - is a reference price model and determines the maximum medical scheme price that medical schemes will reimburse for an interchangeable multi-source pharmaceutical product (generic) on the relevant option. MMAP applies to all options for chronic medication. MSA Medical Savings Account - accrued monthly but the annualised amount of savings is available immediately and can be used for : top up on cost of service charged by a doctor extension when an overall benefit has been exceeded exclusion from benefits NEGOTIATED RATE This is the rate, negotiated by the scheme with the service provider/group of service providers, eg. hospitals and pathologists. PMB Prescribed Minimum Benefits - as set down in the Medical Schemes Act, 1998. Medical schemes have to cover the costs related to the diagnosis, treatment and care of: Any emergency medical condition A limited set of 270 medical conditions (Defined in DTP s) 27 chronic conditions defined in the CDL These costs may not be paid from member s savings benefit and cost saving measures can be used by way of utilising DSP s, Reference Pricing and Formularies. PRE-AUTHORISATION A member must obtain prior approval for an intended admission to hospital. Failure to pre-authorise could result in wholly or partly disallowing the claim or imposing a penalty of 20% of related accounts up to a maximum of R 2 500. Emergency treatment is not subject to Pre-authorisation but members should notify the Scheme as soon as possible after the event. PROTOCOL RISK CONTRIBUTIONS RP SALARY SCHEME RATE SEP TTO GLOSSARY * More details available on the website www.camaf.co.za - for full explanations, consult the Registered Rules Refers to the member and dependants who are 22 or older at any time in the year of cover. CAMAF Base Tariff - the maximum rate paid by the Scheme to providers of healthcare services, based on 2009 RPL (Medical Aid) rates, increased annually by CPI. Tariff differs per type of service provider and % paid on different options. Chronic Disease List - the list of PMB s includes 27 common chronic conditions called CDL s. Schemes must provide cover for the diagnosis, treatment and care of these conditions. Members must register their conditions to qualify for benefits. Schemes can provide protocols in terms of the range (RP and Formularies) and delivery of medication (DSP s). Condition Medicine List - once a patient s chronic condition has been registered, a patient will have access to the CML. This is a list of drugs, appropriate for the condition, that do not require authorisation. This is maintained by the Scheme and differs per Option. Reference pricing may still apply. Refers to a dependant who is younger than an adult, as defined above. Fee negotiated by the Scheme with Network pharmacies and added to SEP. The network of service providers contracted to provide healthcare services to members, eg. Diabetes programme (CDE), HIV programme (LifeSense) PPN for optical benefits on First Choice and Network Choice, Pharmacy networks for all chronic medications and Netcare hospital group for Network Choice hospital admissions. The regulations to the Medical Schemes Act in Annexure A provide a list of conditions identified as Prescribed Minimum Benefits. The List is in the form of Diagnosis Treatment Pairs (DTP s). A DTP links a specific diagnosis to a treatment/procedure and therefore broadly indicates how each of the 270 PMB conditions should be treated. These treatment pairs cover serious and acute medical problems that include the cost of diagnosis, treatment and care of these conditions. Stands for International Classification of Diseases and Related Health Problems (10th revision). It is a coding system developed by the World Health Organisation (WHO) that translates the written description of medical and health information into standard codes, e.g. Jo3.9 is a ICD-10 code for acute tonsillitis (unspecified) and G40.9 denotes epilepsy (unspecified). These codes are used to inform medical schemes about what conditions their members were treated for so that claims can be paid from the correct benefit. Means a set of guidelines in relation to diagnostic testing and treatments for specific conditions and includes, but is not limited to, clinical practice guidelines, standard treatment guidelines and disease management guidelines. Those funds allocated to the overall pool of funds for the payment of all claims other than those paid from the MSA. Reference pricing is the maximum price for which the Scheme will be liable for specific medicine or classes of medicine, listed on the Scheme s Condition Medicine List (CML). The reference price varies per option and where a drug is above the reference price it is indicated that a co-payment will apply. This includes MMAP. Total cost to company prior to deductions. The maximum rate paid by the scheme to providers of healthcare services, based on SAMA (Private) rates, increased annually by CPI. Tariff differs per type of service provider and % paid on different options. Single Exit Price - nationally applied pricing for medication as determined by the Department of Health and the pharmaceutical manufacturers. To Take Out - medication supplied by the hospital for use after the date of discharge from hospital - limited to a 7 day supply. Page 6