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Presented by Nkosinathi Siyoko IBM Induction Presentation – Discovery Health.

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1 Presented by Nkosinathi Siyoko IBM Induction Presentation – Discovery Health

2 Agenda AF Health’s commitment to youFAIS requirementsDiscovery Health product rangeVitality

3  We provide:  Assistance in choosing the correct medical scheme option, based on your needs  Clarification of benefits and the escalation of any unresolved medical scheme queries  Liaison with your medical scheme on your behalf to ensure you are treated fairly and correctly, based on your benefit entitlements.  To your employer we provide:  Industry updates that could affect your business and members  Strategic consulting to the employer. AF Health’s commitment to you

4  Alexander Forbes Health is an approved Financial Services Provider – FSP 33471  Alexander Forbes Health is accredited by the Council for Medical Schemes – ORG 3064  All information provided in this presentation is factual and NO advice is provided  General Disclosure and Product Supplier Disclosures are available upon request  Alexander Forbes Health are appointed brokers to administrators and open medical schemes (actuarial and consulting services). FAIS requirements

5 Agenda AF Health’s commitment to youFAIS requirementsDiscovery Health product rangeVitality

6 Discovery Health product range Comprehensive Classic/ Essential 200%/ 100% Chronic: 61 MSA: 0%/15%/ 25% Threshold Priority Classic/ Essential 200%/ 100% Chronic: 26 MSA: 15%/25% Limited Threshold Saver Classic/ Essential/ Coastal 200%/100% Chronic: 26 MSA: 15%/25% Core Classic/ Essential/ Coastal 200%/100% Chronic: 26 No MSA Keycare Plus/ Core/ Access 100% Chronic: 26 Networks Primary care

7  THE DELTA PLAN RANGE Discovery Health product range Comprehensive Saver Core 10% premium reduction 20% premium reduction

8  THE DELTA HOSPITAL NETWORK Discovery Health product range Pretoria Bougainville Legae Little Company of Mary Louis Pasteur Plus 8 day clinics Durban Chatsmed Entabeni Ethekwini Westville Plus 1 day clinic Western Cape Cape Town Medi-Clinic Claremont Kingsbury Mitchells Plain Panorama Vergelegen Plus 13 day clinics Johannesburg Arwyp Bedford Gardens Brenthurst Carstenhof Clinix – Lesedi Clinix - Sebogeng Clinton Emfuleni Fourways Lenmed Morningside Robinson Roseacres The Donald Gordon Wilgeheuwel Plus 10 day clinics Pietermaritzburg Midlands Bloemfontein Life Rosepark Universitas Plus 3 day clinics Vaal Midvaal Suikerbosrand Plus 6 day clinics Eastern Cape Life New Mercantile Deductible of R5 450 if non-Delta hospital used Med XPress must be used for chronic medication, or 20% co-payment

9  THE CORE SERIES Discovery Health product range Hospital Benefit Covers approved hospitalization with no overall limit Full cover when using specialist in one of DH’s Direct Payment Arrangements MRI on Back and neck surgery not covered Chronic Illness Benefit Cover for 26 conditions Subject to formulary or lower Chronic Drug Amount Preventive Screening Benefit VitalityCheck and other screenings

10 Discovery Health product range MemberClassic Core Classic Delta Core Essential Core Essential Delta Core Coastal Core Main Member R1 471R1 177R1 263R1010R1 087 Spouse/ Adult Dependant R1 157R925R947R757R815 Child Dependant R587R471R506R405R434

11  THE SAVER SERIES Discovery Health product range Hospital Benefit Covers approved hospitalisation with no overall limit Full cover when using specialist in one of DH’s direct payment arrangements Chronic Illness Benefit Cover for 26 conditions Subject to formulary or lower Chronic Drug Amount Preventive Screening Benefit VitalityCheck and other screenings Medical Savings Account Pays day-to-day medical costs Full annual deposit available up front Classic: 25% Essential 15% Coastal: 25% NO Above Threshold Benefit Insured Network Benefit GP’sSingleFamily Classic & Coastal3 visits6 visits Essential2 visits4 visits Maternity Benefit Classic Plans8 antenatal consults two 2D scans

12 Discovery Health product range MemberClassic Saver Classic Delta Saver Essential Saver Essential Delta Saver Coastal Saver Main Member R1 976R1 578R1 570R1 254R1 556 Spouse/ Adult Dependant R1 556R1 244R1 175R 942R1 166 Child Dependant R790R633R628R502R625

13  THE PRIORITY SERIES Discovery Health product range Hospital Benefit Covers approved hospitalization with no overall limit Full cover when using specialist in one of DH’s direct payment arrangements Defined procedures attract deductibles Chronic Illness Benefit 26 conditions (CDL) Subject to formulary or lower Chronic Drug Amount Preventive Screening Benefit VitalityCheck and other screenings Above Threshold Benefit (ATB) Limited ‘safety-net’ for day-to-day expenses Paid by Discovery at the DH Rate once day-to-day claims reach certain level Threshold 2014 ATB Limits PM: 9 990 PM: 8 500 Adult: 7 510Adult: 6 050 Child: 3 270 Child: 2 920 Medical Savings Account Classic: 25% Essential 15% Insured Network Benefit GP through network during SPG Pathology at DSP on Classic option Maternity Benefit on Classic option Defined list of External Medical items on Classic & Essential

14  THE PRIORITY SERIES  The Priority Plan has deductibles applicable to the following procedures: Discovery Health product range Deductibles2014 Conservative back and neck treatment, myringotomy (grommets), tonsillectomy, adenoidectomyR2 150 Colonoscopy, Proctoscopy, Sigmoidoscopy, Gastroscopy, Cystoscopy R2 850 Arthroscopy, functional nasal procedures, hysterectomy, endometrial ablation, Laparoscopy R5 150 Reflux surgery, spinal surgery (back and neck) surgery and joint replacements R10 500

15  THE THRESHOLD LEVELFOR 2014 = R11,350 Discovery Health Product Range RATE OF ACCUMULATION AT COST Discovery Health pays for claims from the ATB MSA for the year : R10,080 Based on a single member on the Classic Comprehensive Option Rates are examples ‘Automatic’ SPG = R1,270 GP Consultation (Network) – R320 Non -preferred Medicine List Medication - R852 Non -preferred Medicine List Medication - R852 Premier Rate Specialist Consultation - R498 Premier Rate Specialist Consultation - R498 X-rays – R1,200 Glasses – R5,780 OTC Medication (S 0, 1 or 2) – R630 Non-Premier Rate Specialist Consultation – R800 Non-Premier Rate Specialist Consultation – R800 GP consultation (Network) + R320 Non –preferred Medicine List Medication + R639 Non –preferred Medicine List Medication + R639 Premier Rate Specialist Consultation + R498 Premier Rate Specialist Consultation + R498 X-rays (DH Rate) + R1,200 (Non-network) Glasses + R3,500 OTC medication (S 0,1 or 2) + R0 Non-Premier Rate Specialist Consultation (DH Rate) + R520 Non-Premier Rate Specialist Consultation (DH Rate) + R520 = R 0 Claims accumulated = R6,677 Claims accumulated = R6,677  Increase SPG To R4,673

16 Additional enhancements to www.discovery.co.za 16 The SPG Tracker provides detailed information on what has contributed towards the Self-payment Gap, without the need to request this information through a different channel The Self-payment Gap tracker Available online from January 2014

17 Discovery Health product range MemberClassic PriorityEssential Priority Main memberR2 254R1 937 Spouse/adult dependantR1 774R1 522 Child dependantR902R774

18  THE COMPREHENSIVE SERIES Discovery Health product range Hospital Benefit Covers approved hospitalization with no overall limit Full cover when using specialist in one of DH’s direct payment arrangements Chronic Illness Benefit Cover for 61 conditions (27 CDL & 34 ADL) Preventive Screening Benefit VitalityCheck & other screenings Medical Savings Account Classic: 25% Essential 15% Zero 0% Above Threshold Benefit (ATB) Unlimited ‘safety-net’ for day-to-day expenses subject to certain sub-limits Paid by Discovery at the DH Rate once day-to-day claims reach certain level Threshold 2014 PM: 11 350 Adult: 11 350 Child: 2 150 Insured Network Benefit GP, External medical items – all options except Classic Comp Zero MSA Maternity, Pathology & Generic Meds (Formulary) – On Classic & Classic Delta DSP Applies

19  THE EXECUTIVE PLAN Discovery Health product range Hospital Benefit Covers approved hospitalization with no overall limit Specialists in hospital paid up to 300% of the DH Rate from MSA/ATB Private ward cover R1 400 per day Chronic Illness Benefit Cover for 61 conditions (27 CDL & 34 ADL) Additional Medicines covered Preventive Screening Benefit VitalityCheck & other screenings Medical Savings Account Minimal gap between MSA and ATB Specialists covered up to 300% of Discovery Health rate Insured Network Benefit GP, Pathology, PML, External medical items & Maternity benefit 100% cost through network during SPG Above Threshold Benefit (ATB) Unlimited ‘safety-net’ for day-to-day expenses subject to certain sub-limits Paid by Discovery at the DH Rate once day-to-day claims reach certain level Threshold 2014 PM: 12 300 Adult: 12 300 Child: 2 300

20 Discovery Health product range MemberExecutive Plan Classic Comp Classic Delta Comp Essential Comp Essential Delta Comp Classic Zero MSA Main Member R4 100R3 362R3 028R2 825R2 544R2 522 Spouse/ Adult Dependant R4 100R3 180R2 864R2 670R2 403R2 385 Child Dependant R778R670R602R568R509R503

21  CHRONIC ILLNESS BENEFIT (PMBs) Discovery Health product range 1Addison’s disease14Epilepsy 2Asthma15Glaucoma 3Bronchiectasis16Haemophilia 4Bipolar Mood Disorder17HIV/AIDS 5Cardiac Failure18Hyperlipedaemia (High Cholesterol) 6Cardiomyopathy19Hypertension (High Blood Pressure) 7 Chronic Obstructive Pulmonary Disease (Emphysema) 20Hypothyroidism (Inactive Thyroid Gland) 8Chronic Kidney Disease21Multiple Sclerosis 9Coronary Artery Disease22Parkinson’s Disease 10Crohn's disease23Rheumatoid Arthritis 11Diabetes Insipidus24Schizophrenia 12Diabetes Mellitus (Type 1 & 2)25Systemic Lupus Erythomatosis 13Dysrhythmia (Irregular Heartbeat)26Ulcertative Colitis

22  CHRONIC ILLNESS BENEFIT – Comprehensive and Executive plans only Discovery Health product range 1 Ankylosing spondylitis18 Paget’s disease 2 Behçet’s disease19 Panic disorder 3 Connective tissue disorder (mixed)20 Paraplegia 4 Cushing’s disease21 Pemphigus 5 Cystic fibrosis22 Peripheral arteriosclerotic disease 6 Delusional disorder23 Pituitary microadenomas 7 Dermatopolymyositis24 Polyarteritis Nodosa 8 Generalised anxiety disorder25 Post traumatic stress disorder 9 Huntington’s disease26 Psoriatic arthritis 10 Hypoparathyroidism27 Pulmonary interstitial fibrosis 11 Major depression28 Quadriplegia 12 Motor neurone disease29 Sjögren’s syndrome 13 Muscular dystrophy and other inherited myopathies*30 Stroke 14 Myasthenia gravis31 Systemic sclerosis 15 Obsessive compulsive disorder32 Thrombocytopaenia purpura 16 Organ transplantation33 Valvular heart disease 17 Osteoporosis34 Wegener’s granulomatosis

23 MedXpress delivers your medication to your door What does it cover? Why should members use it? How does a member use it? MedXpress delivers medicine directly to members at no extra cost Acute Major Metropolitan areas* 6 hours** Locations delivered Time to delivery Chronic Countrywide 72 hours Note: *Johannesburg, Cape Town, Pretoria, Durban, Port Elizabeth Note: **For medicine ordered before 15:00 Convenience for members Delivery to your door, Simple process with no forms, Delivery tracking, Regular updates on changes Helps members to better manage costs Low dispensing fees, No administration or delivery fees, Advice on generic substitution to ensure lower or no co- payments Access to more information about their treatment/condition To order or re-order medicine, members can use any of the following: SMS re-order service

24 MedXpress as designated service provider for Delta options 24 Effective from 1 January 2014 for all new members and 1 July 2014 for all existing Delta plan members Chronic medication of Delta members registered for CIB will be covered in full if: Ordered through MedXpress Chronic medicine is on the formulary Chronic medicine is off the formulary, but under the CDA In other cases, member will face a co-payment Ordered through MedXpress Not ordered through MedXpress On formularyFull Cover 20% co-payment + Any additional dispensing fees Off formularyCo-payment above CDA 20% co-payment + Any additional dispensing fees + Co-payment above CDA Funding 1 2

25 The KeyCare Series in summary KeyCare Hospital Network Critical hospital care Planned hospital care Chronic Illness Benefits Day-to-day medical care Screening and prevention KeyFIT KeyCare Hospital Network for emergencies and trauma; KeyCare Access Hospital Network* for child birth and care of newborns KeyCare Hospital Network Contracted state hospitalsKeyCare Hospital Network KeyCare Plus KeyCare Access KeyCare Core Cover for antenatal services and specialist consultations *A network of 32 private hospitals

26  THE KEYCARE PLANS Discovery Health product range Through Discovery Health provider network GP consultations and minor procedures Medication subj. to formulary Basic blood tests and x-rays Basic dentistry Basic optometry, frames and lenses Members may elect a secondary GP per beneficiary. One out of network visit pbpa Specialist Benefit- R2 750 pp (2013:R2550) Antenatal benefit- 4 consults; 2 scan, selected blood tests Mobility device benefit – R4450 per family Casualty Benefit The casualty fee for ALL Keycare casualty units is R225 Formularies apply in casualty Screening benefit Unlimited planned hospitalization at a Network hospital only, otherwise there is no benefit Unlimited emergency hospitalisation - Any hospital, transfer to network hospital once stable Covers 26 Chronic conditions subject to formulary and approved network supplier or their dispensing doctor. A 20% co-pay applies outside of the network. Critical hospital care Planned hospital care Chronic Illness Benefits Day-to-day medical care Screening and prevention Vitality & KeyFIT

27 This list applies to KeyCare Access, only for childbirth and care for the newborn Applies to the KeyCare Core and Plus plans; Applies to KeyCare Access but only for life threatening emergencies and defined trauma events

28 Discovery Health product range Plan optionIncome bracketMain member Spouse/ adult dependant Child dependant Keycare Plus (R0 – R6 650)R695 R251 (R6 651 – R8 800)R973 R272 (R8 801+)R1 448 R388 Keycare Core (R0 – R6 650)R556 R143 (R6 651 – R8 800)R693 R171 (R8 801+)R1 070 R241 Keycare Access (R0 - R3900)R490 R212

29 Agenda AF Health’s commitment to youFAIS requirementsDiscovery Health product rangeVitality

30 Vitality’s model of making members healthier 30 KNOW YOUR HEALTH Complete the Vitality assessments IMPROVE YOUR HEALTH Engage in activities and earn points ENJOY THE REWARDS Achieve a Vitality Status and enjoy the rewards

31 HealthyFood benefit structure revised to incentivise screening 31 Activate the benefit on discovery.co.za Determine your Vitality Age* Complete a Vitality Health Check* 2014 cash back at both partners Members without a DiscoveryCard cash back at both partners Members with a DiscoveryCard *Principal, spouse and adult dependant (where applicable) need to complete a VHR and Vitality Check

32 Over 100 international destinations are now available 32 8 Qantas International destinations 31 British Airways International destinations 13 Emirates International destinations 101 New Emirates International destinations Blue Bronze SilverGoldDiamond 15%20%25%30%35%

33 Enhanced rewards: Introducing the Vitality Hotel Collection 33 and more… Over 500 top hotels, lodges and resorts L’ermitage Franschhoek 15 on Orange Cape Town The Beverly Hills Umhlanga Pumba Private Game Reserve Port Elizabeth Simbambili Game Lodge Kruger National Park The Melrose Arch Hotel Johannesburg Blue Bronze SilverGoldDiamond 15%20%25%30%35% 50%45%40%35%30% Fully integrated booking on kulula.com

34  Admed Add+ is a voluntary top-up benefit to cover shortfalls in hospitals Gap Cover Insurance - Admed Gap Admed Add+ Shortfall CoverThe shortfall, or gap, is defined as the amount by which the actual cost charged by the medical practitioner exceeds the medical scheme payment subject to a maximum limit of five times the Admed tariff, less the medical scheme payment Additional BenefitsPersonal Accident Cover Road Cover A once off lump sum of R10 000 on diagnosis of Breast and Prostate cancer A stated benefit of R20 000 with no sub limits for co-payments and deductibles (in hospital treatment)

35  Guardrisk contact details:  www.guardrisk.co.za www.guardrisk.co.za  Tel: 0860 102 936  Email: admed@guardrisk.co.za Gap Cover Insurance - Admed Gap Admed Add+ Additional BenefitsShortfalls resulting from MRI/CT/PET Scans done on an outpatient basis will be covered from 2014. Covered by the stated benefit amount of R20,000 Oncology benefit – 20% co-payment that members are subjected to once they reach their oncology benefit limit, will be covered up to a max of the benefit limit of R250,000 per beneficiary per annum Rate from 1 January 2014 Active members: R101 Retirees: R154

36  Our dedicated Service Team: 011 269 2690  Email: hcclientservices@aforbes.co.za  SMS the word ‘medical aid’ to 31768 and one of our consultants will call you back (SMS charged at standard rates)  Discovery Health 0860 99 88 77 (24hrs) or access the website at www.discovery.co.za.www.discovery.co.za For assistance contact us

37 Thank You


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