1. 2010 Benefit Presentation

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

3. 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 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 Chronic Benefit Preventative Care Benefit Emergency Benefit Crime Trauma Benefit THB SPG OHEB MSF

4. 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 Preventative Care Benefit Emergency Benefit Crime Trauma Benefit THB SPG OHEB MSF

5. Major Medical Benefit Chronic Benefit Preventative Care Benefit Emergency Benefit Crime Trauma Benefit BenefitAge First GP visit pbAll First dental visit pbAll Pap smear (pathology)16+ Mammogram (radiology)40+ Bone Density (radiology)50+ Cholesterol (lipogram)15+ Blood Glucose (pathology)All Prostate (pathology)50+ Adult vaccination: FluAll Immunisations0 – 5yrs Pneumonia Vaccination65+ 2D Pregnancy Scans (3 & 6 months)All THB SPG OHEB MSF

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

7. Major Medical Benefit Chronic Benefit Preventative Care 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 hours and a valid pre-authorisation number obtained. Crime Trauma Benefit THB SPG OHEB MSF

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

10. Medical Savings Facility Out-of-Hospital Expenses Benefit Threshold Level How to calculate the SPG if a person earns R 7500: MSF 3360 + OHEB1400 = 4760 THL 5808 – 4760 = SPG 1048

11. Contributions

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

14. Questions?