Assistere – Short Term Employee Benefits Personal Accident Insurance – an affordable employee benefit option to employees Road Accident Fund changed wef 1 August 2008 and has substantially restricted the benefits you get from the fund Earnings limited to R per annum Medical costs restricted to state medical facilities No common law right to sue the guilty party Disability benefits in the Life Market generally link disability to your ability to perform your occupation or any other occupation suited by education or training, so if you can work in a wheelchair, you get no benefit…!!!

Assistere – Short Term Employee Benefits Consider the following: You in a car accident on 1 November 2008 You are in a coma, and awake on 1 January 2009 Your medical bill to date is R2,3million Your medical aid is responsible for R2million of that, the balance is for specialists that have charged 300% of the medical aid rate You leave hospital in a wheelchair, (as you are now paralysed) and you realise that you need to modify your house, your car, your entire LIFE Your employer gets in touch with you and tells you that your sick leave has been exhausted and you are now on unpaid leave

Assistere – Short Term Employee Benefits A facility designed to provide you with options to provide employee benefits to all your employees Benefits include Death, Permanent Total Disability, Income Replacement, Hospitalization Premiums are paid by the Company on behalf of employees Premiums quoted are inclusive of VAT Benefits structures can be changed to suit your business requirements The benefits can be changed to a multiple of salary, rather than a fixed amount

Cover is for bodily injury only, which could be a car accident, sports injury, murder & assault, injuries at work, injuries at home etc The income replacement will be payable for bodily injury and serious illness The income replacement benefit can work in favour of the company, as you will be refunded if you continue to pay someone while they are off duty This provides a worst case scenario employee benefit program, but it comes at an affordable price and looks after the financial needs of the individual and the family. Assistere – Short Term Employee Benefits

The Assistere Policy Wording is very competitive in the market Wider definition of permanent disablement Less restrictive exclusion for pre-existing medical conditions No exclusions for extreme sports, unless as a professional R any one life limit R accumulation limit Book is worth R , which makes it the largest in South African Market Ability to offer benefits to employees who leave the company

Product Owner David Honeyman Tel – Cell – –