Maxima Saver GRID. Ideal for: What s in it for you? Cost. Foundation Benefit

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1 Maxima Saver GRID Ideal for: - Young professionals - Young families What s in it for you? private hospitalisation at Fedhealth Network Hospitals Medical Savings Account consultations at a nominated Network FP (paid from Risk) once Savings is depleted Non-Fedhealth Network providers funded at up to 100% of the Fedhealth Rate Cover for 25 chronic conditions at 100% of the Medicine Price List DAY-TO-DAY BENEFIT CHRONIC DISEASE BENEFIT MAJOR MEDICAL BENEFIT FOUNDATION BENEFIT Cost Member Adult dependant Child dependant Risk R1 590 R1 295 R459 Savings R281 R229 R81 Total R1 871 R1 524 R540 Foundation Benefit BENEFIT CRITERIA ALL LIMITS ARE PER BENEFICIARY Women's Health Breast cancer screening with mammography Cervical cancer screening (Liquid based cytology will be reimbursed up to the rate of a standard Pap smear) Women; ages 50 to 74 Women; ages 21 to 65 1 every 3 years 1 every 3 years Children's Health Immunisation Programme (as per State EPI) Various 3 Screening Benefit Cardiac Health Cholesterol screening (full lipogram) Over 50s Pneumococcal vaccination Bone densitometry Colorectal cancer screening (faecal occult blood test) General Flu vaccination ; aged 20 and older ; older than 65 Women; older than 65 ; 50 to 75 1 every 5 years N/A N/A N/A 1 every year HIV test (by contracted wellness network provider) 1 every year Health risk assessments Wellness screening (BMI, blood pressure, finger prick cholesterol & glucose tests) 1 every year Preventative screening by contracted wellness network provider (waist-to-hip ratio, body fat %, flexibility, posture & fitness) 1 every year BIRTH & BABY Benefit EXTENDED CARE Benefit Fedhealth Baby maternity programme All pregnant members and dependants 3 Doula benefit R1 200 per delivery Postnatal midwifery benefit FP visits All pregnant members and dependants 3 All pregnant members and dependants 4 consultations with a midwife in and outof-hospital per pregnancy consultations at a nominated Fedhealth Network FP once your current year s savings has run out Fedhealth Nurse Line 3 Trauma counselling 3 Emergency transport/ response 3

2 BENEFIT CRITERIA ALL LIMITS ARE PER BENEFICIARY Comprehensive managed care programmes Pharmacy benefit management, Hospital benefit management, Aid for AIDS (AfA), Oncology disease management programme 3 EXTENDED CARE Benefit Active disease risk management Conservative Back & Neck Rehabilitation Programme, Mental health programme, Cardiac rehabilitation programme 3 Post-hospitalisation treatment benefit 3 Take-home medicine 3 Specialised radiology In and out-of-hospital at Fedhealth Rate. First R1 900 for non-pmb MRI/CT Scans for member s account Trauma treatment at a casualty ward R500 co-payment per visit for non-pmbs Female contraception 3 In-hospital dentistry Children up to the age of seven 3 Dentistry (Basic) Subject to Savings. Once Savings is depleted the following benefits will be paid from Risk: 2 annual consultations including scaling & polishing. Subject to a contracted list of dentists & limited to a list of approved procedures, dental tariff codes & protocols. Plastic dentures limited to one set per beneficiary every two years Major Medical Benefit Please note: All reimbursements for treatment by healthcare professionals depend on the type of healthcare professional and the reimbursement rates agreed to by the Scheme. No overall annual limit Use one of the Maxima Saver GRID network hospitals for full cover at the negotiated tariff. A R co-payment applies should you choose to use a non-network hospital If you use Fedhealth Network FPs and Specialists, you will enjoy unlimited cover at cost If you use out-of-network specialists and FPs, we will cover you up to 100% of the Fedhealth Rate and any differences will have to be paid by you directly to the healthcare provider. Prescribed Minimum Benefits (PMB) Treatment for PMB conditions can be funded in two ways: 1) To have treatment for your PMB conditions covered in full, you have to use Fedhealth Network Hospitals, FPs and Specialists. 2) Should you choose not to use network providers, the Scheme will only refund the treatment at 100% of the Fedhealth Rate and you will have a co-payment. Should you not make use of a network hospital, a R co-payment will apply.

3 Also included in the Major Medical Benefit are: Benefit Healthcare Professionals in hospital - Fedhealth Network FPs and Specialists - Non-Fedhealth Network FPs - Non-Fedhealth Network Specialists - Other Healthcare Professionals Additional medical services (dietetics, occupational therapy and speech therapy) Alternatives to hospitalisation - Nursing services, private nurse practitioners & nursing agencies - Sub-acute facilities, physical rehabilitation facilities Ambulance Services Appliances, external accessories, orthotics Blood, blood equivalents and blood products Balloon sinuplasty Immune deficiency related to HIV infection Joint replacements Maternity - Fedhealth Network FPs and Specialists (eg. gynaecologists and - paediatricians) - Non-Fedhealth Network FPs - Non-Fedhealth Network Specialists - Other Healthcare Professionals ALL LIMITS PER FAMILY PER YEAR UNLESS OTHERWISE SPECIFIED Covered at cost In and out-of-hospital: subject to Savings Covered up to PMB level of care with Europ Assistance In and out-of-hospital: subject to Savings No benefit Covered up to PMB level of care Covered at cost Postnatal midwifery benefit Maxillo-facial surgery - Surgical extraction of impacted wisdom teeth Oncology: Oncologist consultations, visits, treatment and materials for chemotherapy and radiotherapy, approved medication, radiology and pathology at designated service provider* and subject to level 1 treatment protocols. 40% co-payment for non-use of DSP Specialised Medication for oncology (also see below) Organ transplant including immunosuppression medication - Corneal graft Pathology, radiology (general) Physical therapy (physiotherapy and biokinetics) Prostheses - Internal - External Psychiatric services: Accommodation in a general ward, procedures, ECT, materials and hospital equipment, consultations and visits, medicines and injection material Renal dialysis (chronic): Consultations, visits, all services, materials and medicines associated with the cost of renal dialysis Rhizotomies & facet pain block Specialised Medication (eg. biologicals) Benefit (oncology & non-oncology) Spinal surgery Take-out medicines Terminal care benefit *Designated service provider is ICON - Independent Clinical Oncology Network 4 consultations with a midwife in and out-of-hospital per pregnancy You pay a co-payment of R3 700 on the hospital bill R No benefit on this option R No benefit at 100% of the Fedhealth Rate Subject to referral by a medical practitioner, preauthorisation and treatment protocols Covered up to PMB level of care R9 940 R R at 100% of the Fedhealth Rate No benefit No benefit You pay a co-payment of R No benefit unless Conservative Back and Neck Rehabilitation Programme has been completed 7 days medication for each hospital event R at 100% of the Fedhealth Rate

4 Procedures with a co-payment on the hospital/facility bill: All open hernia repairs R3 700 Back & neck pain procedures R5 300 Spinal surgery R5 300 Bunion procedures R5 300 Cataract surgery R5 300 Elective caesarean sections R5 300 Gastritis/ dyspepsia/ heartburn R5 300 Hysterectomy (unless for cancer) R5 300 Nasal procedures R5 300 Colonoscopy, Upper GI endoscopy R3 700 Cystoscopy R5 300 Skin biopsy/ excision R5 300 Tonsil/ adenoid procedures R5 300 Varicose vein procedures R5 300 Dental admissions R5 800 Surgical extraction of impacted wisdom teeth R3 700 Arthroscopic procedures: hip & wrist R6 900 Other arthroscopic procedures R6 900 Laparoscopic procedures R5 800 Laparoscopic hernia repairs (bilateral inguinal, repeated inguinal hernias & nissen/toupey hernia repairs only) R5 800 Chronic Disease Benefit Maxima Saver GRID offers unlimited cover for medication for all 25 PMB chronic conditions as well as HIV/Aids. Cover is subject to a basic formulary of approved medications which must be obtained from a Medi-Rite, Dis-Chem or Pharmacy Direct, our Designated Service Providers (DSP). A 40% co-payment will apply when using medication not on the list or for using any other pharmacy except Medi-Rite, Dis-Chem or Pharmacy Direct for the dispensing of your medication. The following 25 chronic conditions are covered: Addison s Disease Asthma Bipolar Mood Disorder Bronchiectasis Cardiac Failure Cardiomyopathy COPD/Emphysema/Chronic Bronchitis Chronic Renal Disease Coronary Artery Disease Day-to-Day Benefits Crohn s Disease Diabetes Insipidus Diabetes Mellitus type 1 & 2 Dysrhythmias Epilepsy Glaucoma Haemophilia Hyperlipidaemia Hypertension Hypothyroidism Multiple Sclerosis Parkinson s Disease Rheumatoid Arthritis Schizophrenia Systemic Lupus Erythematosus Ulcerative Colitis Your day-to-day expenses like visits to doctors and specialists, short-term courses of medicine, optometry and dentistry will be paid directly out of your Savings. You have the following funds available for the year: Member: R3 372 Adult dependant: R2 748 Child dependant: R972 Once your Savings has been depleted, you will have to pay for your day-to-day expenses from your own pocket. Call the doctor Even if your current year s Savings has run out, you will enjoy unlimited cover for FP consultations, as long as you use a nominated FP on the Fedhealth network. Let s talk about contraception If you re not ready for the pajama drill quite just yet, there s no need to worry. The Scheme will pay for certain female contraceptives such as the Pill, contraceptive rings, IUD (including the Mirena) and certain injectables, from the Major Medical Benefit, giving you the freedom to plan your family. Looking after those pearly whites Even if your current year s Savings is depleted, the Scheme will pay for two annual dentist consultations per beneficiary including scaling and polishing provided you use one of our contracted dentists and the treatment falls within our list of approved dental procedures. Oh baby! Welcoming a teeny tiny baby into your family must be one of life s happiest moments! We like to make this special event even more joyful by not only ensuring that your day-to-day benefits cover all your pregnancy costs, but also offering you the value-adding Fedhealth Baby Programme. We pay pregnancy costs from Savings if you have funds available. Consultations with a gynaecologist will be covered at cost from your Savings, and if you use a Fedhealth Network gynaecologist, the costs will covered in full at the agreed rate. Just remember, non-network gynaecologists may charge more for consultations, which will result in your day-to-day funds being depleted sooner. We ll be with you every step of the way nine months and beyond! UNIQUE BENEFITS Plus, for more value-added support benefits paid from Risk to make your day-to-day medical spending go further, like specialised radiology, please see the Foundation Benefit.

5 Maxima Saver GRID - Network Hospitals Fedhealth has an agreement with a list of facilities for this option. It s always best to use a facility in the network, as it means your hospital account is covered in full. If you use any other hospital, you will need to pay R of the cost of the hospital account. Hospital Name Province Town Life Beacon Bay Hospital Eastern Cape East London Life St James Hospital Eastern Cape East London Greenacres Hospital Eastern Cape Greenacres Port Alfred Hospital Eastern Cape Port Alfred Settlers Hospital Eastern Cape Grahamstown East London Eye Hospital Eastern Cape East London Matatiele Private Hospital Eastern Cape Matatiele Cuyler Clinic Eastern Cape Uitenhage Mthatha Private Hospital Eastern Cape Mthatha Pelonomi Private Hospital Free State Bloemfontein Universitas Private Hospital Free State Bloemfontein Vaalpark Hospital Free State Sasolburg Busamed Harrismith Free State Harrismith Riemland Clinic Free State Frankfort Cairnhall Hospital Free State Bloemfontein Kroon Hospital Free State Kroonstad St Helena Hospital Free State Welkom Clinix Botshelong - Empilweni Private Hospital Gauteng Vosloorus Clinix Dr SK Matseke Memorial Hospital Gauteng Soweto Clinix Solomon Stix Morewa Memorial Hospital Gauteng Johannesburg Clinix Tshepo - Themba Private Hospital Gauteng Dobsonville Akasia Hospital Gauteng Akasia Bougainville Hospital Gauteng Daspoort Clinton Hospital Gauteng Alberton Femina Hospital Gauteng Arcadia Garden City Hospital Gauteng Mayfair West Jakaranda Hospital Gauteng Muckleneuk Krugersdorp Hospital Gauteng Krugersdorp Linksfield Hospital Gauteng Linksfield West Linkwood Hospital Gauteng Linksfield West Linmed Hospital Gauteng Benoni Milpark Hospital Gauteng Parktown West Montana Hospital Gauteng Montana Park Moot Algemene Hospital Gauteng Rietfontein Mulbarton Hospital Gauteng Mulbarton N17 Hospital Gauteng Springs Olivedale Hospital Gauteng Olivedale Optiklin Hospital Gauteng Benoni Park Lane Hospital Gauteng Parktown Pinehaven Hospital Gauteng Krugersdorp Pretoria East Hospital Gauteng Moreleta Park Rosebank Hospital Gauteng Rosebank Sunward Park Hospital Gauteng Boksburg Union Hospital Gauteng Alberton Unitas Hospital Gauteng Centurion Waterfall City Hospital Gauteng Midrand Arwyp Medical Centre Gauteng Kempton Park Botshilu Private Hospital Gauteng Soshanguve Lakeview Hospital Gauteng Benoni Lenmed Health Ahmed Kathrada Private Hospital Gauteng Lenasia Lenmed Health Daxina Private Hospital Gauteng Lenasia Lenmed Health Randfontein Private Hospital Gauteng Randfontein Lenmed Health Zamokuhle Private Hospital Gauteng Tembisa Louis Pasteur Private Hospital Gauteng Pretoria Medfem Clinic Gauteng Bryanston Urolocare Hospital Gauteng Hatfield Zuid-Afrikaanse Hospitaal Gauteng Pretoria Naledi-Nkanyezi Private Hospital Gauteng Sebokeng Cormed Clinic Gauteng Vanderbijlpark

6 Maxima Saver GRID - Network Hospitals Hospital Name Province Town Midvaal Private Hospital Gauteng Vereeniging Kingsway Hospital KwaZulu-Natal Amanzimtoti Parklands Hospital KwaZulu-Natal Overport St Augustine s Hospital KwaZulu-Natal Durban Umhlanga Hospital KwaZulu-Natal umhlanga Rocks Ethekwini Hospital And Heart Centre KwaZulu-Natal Durban Gateway Private Hospital KwaZulu-Natal Umhlanga Rocks Hillcrest Private Hospital KwaZulu-Natal Hillcrest Lenmed Health Shifa Private Hospital KwaZulu-Natal Mayville Alberlito Hospital KwaZulu-Natal Ballito Hibiscus Hospital KwaZulu-Natal Port Shepstone La Verna Private Hospital KwaZulu-Natal Ladysmith Margate Private Hospital KwaZulu-Natal Margate St Anne s Hospital KwaZulu-Natal Pietermaritzburg The Bay Hospital KwaZulu-Natal Richards Bay Kokstad private Hospital KwaZulu-Natal Kokstad Pholoso Hospital Limpopo Polokwane Clinix Phalaborwa Private Hospital Limpopo Phalaborwa Quality Care Private Hospital Limpopo Louis Trichardt Zoutpansberg Private Hospital Limpopo Louis Trichardt St Vincents Hospital Limpopo Bela-Bela Emalahleni Private Hospital Mpumalanga Witbank Kiaat Private Hospital Mpumalanga Nelspruit Lowveld Hospital Mpumalanga Nelspruit Nelspruit Surgiclinic Private Hospital Mpumalanga Nelspruit Ferncrest Hospital North West Rustenburg Fochville Hospital North West Fochville Leslie Williams Hospital North West Carletonville Mooimed Private Hospital North West Potchefstroom Rustenburg Medi Care Hospital North West Rustenburg Sunningdale Hospital North West Klerksdorp Vryburg Private Hospital North West Vryburg Wilmed Park Private Hospital North West Klerksdorp Clinix Victoria Private Hospital North West Mafikeng Jane Keyser Clinic Northern Cape Hartswater Lenmed Health Kathu Private Hospital Northern Cape Kathu Life Bay View Hospital Western Cape Mossel Bay Life West Coast Private Hospital Western Cape Vredenburg Blaauwberg Hospital Western Cape Sunningdale Ceres Hospital Western Cape Ceres Christiaan Barnard Memorial Hospital Western Cape Cape Town Kuils River Hospital Western Cape Kuils River N1 City Hospital Western Cape Goodwood Bellville Medical Centre Western Cape Bellville Busamed Paardevlei Private Hospital Western Cape Somerset West Cape Eye Institute Western Cape Bellville Gatesville Medical Centre Western Cape Gatesville Mitchells Plain Medical Centre Western Cape Mitchells Plain Tokai Medical Centre Western Cape Tokai Rondebosch Medical Centre Western Cape Lansdowne Please note: this list may be updated during the year, so please contact the Fedhealth Customer Contact Centre on or refer to for the latest Maxima Saver GRID Network Hospital list.

7 Maxima Saver GRID - Network Day Clinics Hospital Name Province Town Med Forum Theatre Eastern Cape Port Elizabeth Bethlehem Medical Centre Day Theatre Free State Bethlehem Citymed Day Theatre Free State Bloemfontein Cure Day Clinics - Bloemfontein Free State Bloemfontein Welkom Medical Centre Free State Welkom Boksburg Medical and Dental Centre Gauteng Boksburg Constantia Clinic Gauteng Florida Constantia Park Medical and Dental Centre Gauteng Garsfontein Germiston Medical and Dental Centre Gauteng Germiston Silverton Medical and Dental Theatre Gauteng Pretoria The Berg Day Theatre Gauteng Bergbron Protea Clinic Gauteng Krugersdorp Advanced Groenkloof Day Hospital Gauteng Groenkloof Medgate Day Hospital Gauteng Roodepoort Advanced Soweto Eye Hospital Gauteng Soweto Birchmed Surgical Centre Gauteng Kempton Park Centre For Gynaecological Endoscopy Gauteng Morningside Centre Of Advanced Medicine Gauteng Waverly Centurion Eye Hospital Gauteng Centurion Cure Day Clinics - Erasmuskloof Gauteng Erasmuskloof Cure Day Clinics - Fourways Gauteng Fourways Medkin Clinic Gauteng Pretoria Cure Day Clinics - Midstream Gauteng Midstream Edenvale Day Clinic Gauteng Edenvale Ekurhuleni Surgiklin Day Clinic Gauteng Kempton Park Fordsburg Day Clinic Gauteng Fordsburg Intercare Day Hospital - Hazeldean Gauteng Silverlakes Intercare Day Hospital - Irene Gauteng Irene Sandton Day Clinic Gauteng Sandton Johannesburg Eye Hospital Gauteng Randburg Kilnerpark Narkokliniek Gauteng Pretoria Mayo Clinic Gauteng Roodepoort Ocumed Eye And Laser Institute Gauteng Vanderbijlpark Optimed Clinic Gauteng Johannesburg Sandhurst Eye Centre Gauteng Sandton The Healthy Eye Theatre Gauteng Benoni Twenty Twenty Eye Surgery Centre Gauteng Mulbarton Visiclin Eye Clinic Gauteng Three Rivers Visiomed Eye And Laser Centre Gauteng Randburg Bluff Medical and Dental Centre KwaZulu-Natal Bluff Malvern Medical and Dental Centre KwaZulu-Natal Malvern Pinetown Medical and Dental Centre KwaZulu-Natal Pinetown Westridge Surgical KwaZulu-Natal West Ridge Howick Day Clinic KwaZulu-Natal Howick KZN Day Clinic KwaZulu-Natal Umhlanga Lorne Street Anaesthetic Clinic KwaZulu-Natal Durban Shelly Beach Day Clinic KwaZulu-Natal Shelly Beach Emalahleni Day Hospital Mpumalanga Witbank Highveld Eye Hospital Mpumalanga Witbank Potchefstroom Medical and Dental Centre North West Potchefstroom Rustenburg Private Eye Clinic North West Rustenburg Medi-Harts Day Clinic Northern Cape Hartswater Kraaifontein Medical and Dental Centre Western Cape Kraaifontein Monte Vista Clinic Western Cape Monte Vista Parow Medical and Dental Centre Western Cape Parow Tokai Medical and Dental Centre Western Cape Tokai Advanced Knysna Surgical Centre Western Cape Knysna Advanced Panorama Surgical Centre Western Cape Panorama

8 Maxima Saver GRID - Network Day Clinics Hospital Name Province Town Advanced Vergelegen Surgical Centre Western Cape Somerset West Advanced Worcester Surgical Clinic Western Cape Worcester Cape Dental Theatres Western Cape Wynberg Cure Day Clinics - Bellville Western Cape Parow Cure Day Clinics - Somerset West Western Cape Somerset West Cure Day Clinics - St Stephens Paarl Western Cape Paarl Driftwood Clinic Western Cape Constantia George Surgical Centre Western Cape George Intercare Day Hospital - Century City Western Cape Century City Kango Clinic (Kannaland Medical Clinic) Western Cape Oudtshoorn The Surgical Institute Western Cape Durbanville Thembani Theatres Western Cape Khayelitsha Vidamed Day Hospital Western Cape Mossel Bay Wesfleur Private Clinic Western Cape Atlantis