2010 Benefit Presentation

1. 2010 Benefit Presentation

2. Major Medical Benefit Preventative Care Benefit Emergency Benefit Crime Trauma Benefit Chronic Benefit Benefit Design 2010 Day-to-day Benefits Risk Benefits Medical Savings Facility (MSF) Out of Hospital Expenses Benefit (OHEB) Self-Payment Gap (SPG) Threshold Level (THL) MSF + OHEB + SPG Threshold Benefits

3. Preventative Care Benefit Emergency Benefit MSF Crime Trauma Benefit Chronic Benefit OHEB SPG THB • RISK BENEFITS • In-Hospital Costs • Practitioners paid @ Libcare Rate + 100% • GP & Specialist consultations • Elective Dentistry (Incl basic den <8 & implants) • Paramedical Services • TTO’s (R 700 / +MSF) • Mental Health • HIV Prevention, Treatment & Medication • Oncology & Associated Diagnostics • Renal Failure • Hospice Services • Private Nursing & Rehabilitation • External Appliances • Internal Prosthesis • MRI / CT scans (OOH) 2 per family • MRI / CT Scans in hospital – R 21 200 pf • Emergency Transport • CDE

4. Preventative Care Benefit Emergency Benefit MSF Crime Trauma Benefit OHEB SPG THB • Major Medical Benefit • Chronic Benefit • R 20 100 per beneficiary • Prescribed Minimum Benefits (PMB) is: • a set of defined benefits to ensure that all medical scheme members have access to certain minimum health services • Schemes cover the costs related to the diagnosis, treatment and care of:   • any emergency medical condition; • a limited set of medical conditions • 25 chronic conditions (Chronic Disease List). • 25 stipulated chronic conditions will enjoy unlimited cover • 36 stipulated chronic conditions enjoy limited cover • Each beneficiary MUST register

5. Emergency Benefit MSF Crime Trauma Benefit OHEB SPG THB • Major Medical Benefit Preventative Care Benefit Chronic Benefit

6. Emergency Benefit MSF OHEB SPG THB • Major Medical Benefit • Crime Trauma Benefit • Trauma – Police Case Number: • Hi-jacking • Attempted murder & assault • Rape victims • HIV Prophylaxis • Rehabilitation eg physiotherapy or speech therapy • Psychology Chronic Benefit Preventative Care Benefit

7. MSF OHEB SPG THB • Major Medical Benefit Emergency Benefit & Physical Injuries R1 200 per beneficiary The benefit is intended to cover events after hours and where the member is away from their normal residence. Covers the facility fee for defined events Member utilises a hospital casualty ward No admission Libcare must be notified within 48 hoursand a valid pre-authorisation numberobtained. Chronic Benefit Crime Trauma Benefit Preventative Care Benefit

8. Day-to-day Benefits Practitioners paid @ Libcare Rate + 100%: Alternative Healthcare GP’s & Specialists (incl ante-natal classes) Dentists Psychologists Optometrists Paramedical Services Routine Medication Pathology & General Radiology • Major Medical Benefit Chronic Benefit Crime Trauma Benefit Preventative Care Benefit • Medical Savings Facility • 20% of contribution & Depends on income band • Credit is granted upfront • Refunded 4 months after termination • Interest Emergency Benefit • Out-of-Hospital Expenses Benefit • Principal: R 1400, Adult: R 600, Child: R 500 Self-Payment Gap Threshold Level – (MSF + OHEB) Threshold Level: not adjusted during the year should a member’s income band change or dependants be added, change status, or be withdrawn. • Threshold Benefits • Limited per category • Pro-rated when joining later than 1 January

10. Medical Savings Facility Out-of-Hospital Expenses Benefit Threshold Level How to calculate the SPG if a person earns R 7500: MSF 3360 + OHEB 1400 = 4760 THL 5808 – 4760 = SPG 1048

11. Contributions

12. Communication • SMS: sent when a claim refund is paid • Mini-Statement: an electronic statement is sent each time a claim is processed • Monthly Statement: is e-mailed or posted each month if you have submitted claims • Internet Registration:www.libcare.co.za • Webmail: Send a blanke-mail to webmail@libcare.co.za

13. Contact DetailsHelpdesk at Liberty Life CentreCall Centre:0800 12 CARE (2273)enquiries@libcare.co.zaClaims: Claims Boxes claims@libcare.co.za+27 (21) 673 9582

14. Questions?