2016 Benefit Changes

2016 Increases Option% IncreaseR – Value Increase Private Choice5.6%R50 Private6.0%R80 Private Plus6.8%R115 Private Comprehensive 3.6%R75 Average Increase5.5%(*) (*) Based on adult contributions

Specific Benefit Changes In-and-out-of-hospital MRI / CT scans Benefit enhanced to now include previously excluded scans relating to the conservative treatment of back / neck conditions (Private, Private Plus & Private Comprehensive) External medical / surgical appliances Benefit increased by 10%. New benefit is 75% of cost up to R per member family p.a. (All benefit options) Diagnostic scopes Colonoscopy benefit increased by 7% to R3 750 per scope (Private, Private Plus & Private Comprehensive) Maxillo-facial surgery New in-hospital benefit added to provide cover if required as a result of major trauma / accident (Private Choice)

Specific Benefit Changes Basic dental benefits New benefit for dentures & bridges now included. New benefit is R3 000 per beneficiary p.a. for crowns, dentures & bridges. In-hospital age limit for extractions & fillings improved to include beneficiaries < 9 years Fillings capped at 6 fillings per beneficiary p.a. Plain X-rays capped at 6 X-rays per beneficiary p.a. Root canal treatment capped at two root canal treatments per beneficiary p.a. (All options)

Specific Benefit Changes Consultation benefit Consultation benefit increased by 13% to R350 per consultation per adult p.a. Number of consultations reduced from 6 to 4 consultations per adult p.a. (Private Comprehensive) Medication benefitIncreased by 20% to R3 600 per adult p.a. (Private Comprehensive) Medical savings account Increased by 10% to R3 960 per adult p.a. (18% of contribution) (Private Plus) Decreased by 9% to R2 520 per adult p.a. (10% of contribution) (Private Comprehensive)

Unique Benefits Average contribution increase of 5.5% lowest in industry (4th consecutive year) Private Choice rated as best value for money hospital plan in South Africa (Towers Watson & GTC Healthcare) The luxury to choose (no networks) Unique basic dentistry benefit – R per beneficiary p.a. on all benefit options Child dependent rates exceptionally well positioned Out of hospital MRI / CT benefits No upfront deposits prior to hospitalisation Provides excellent financial cover (200% on 3 of the 4 benefit options) Strong financial position “You don’t need to pay more to occupy the same bed in hospital”

Financial sustainability One of the TOP 5 Open Schemes 1st Position 2013 since

Annual contribution Increases Year Average annual contribution increase % % % % % %

2016 contributions Private Choice Additional ChildrenR250 AdultR950 First Child DependentR320 Private Additional ChildrenR275 each AdultR1 420 ChildR350 Private Plus Additional ChildrenR275 each AdultR1 800 ChildR350 Private Comprehensive Additional ChildrenR275 each AdultR2 150 ChildR350