1. Registered adult female deaths Source: Statistics South Africa, Mortality and causes of death in South Africa, 1997-2003: Findings from death notification. 2005: Pretoria.

2. Registered adult male deaths Source: Statistics South Africa, Mortality and causes of death in South Africa, 1997-2003: Findings from death notification. 2005: Pretoria.

3. Modelled epidemic: new ASSA2003 AIDS and demographic model: 2005 SOURCE: Nathea Nicolay from ASSA2003

4. EXAMPLE: Cost of HIV under three scenarios No Treatment scenario: No HIV disease management for employees/members of a retirement fund Status Quo scenario: HIV disease management available to employees/members of retirement fund but few employees/members have taken this up Effective Treatment scenario: HIV disease management available to employees/members of retirement fund but most employees/members have taken this up

5. EXAMPLE: Total deaths per mille under different take-up on treatment

6. Total HIV cost of death claims for a Group Life Assurance Scheme

7. Total HIV cost of disability claims for an Income Continuation Scheme