Benefits Guide & Rates. At the heart of health. 1

Beefits Guide & Rates At the heart of health. 1

Cotets 2018 Beefits & Rates Guide Value Add Beefits 5-10 A Health Pla 11-15 A Health Pla Subscriptio Rates 16 At the heart of health. B Health Pla 17-21 B Health Pla Subscriptio Rates 22 Dread Disease Beefit 23 Maaged Care Program 24 HIV/AIDS Assistace Program 25 Additioal Notes 26-27 2 Bomaid Healthpla Guide 2018

Family health matters At the heart of health. 3

Bomaid for healthier, happier lives. Through diverse health plas, Bomaid offers a comprehesive set of solutios that cater for the health ad welless eeds of your life. A A Healthpla AS Healthpla IS IS Healthpla B B Healthpla B Healthpla Health Plas AS AS Healthpla C C Healthpla 4 Bomaid Healthpla Guide 2018

Value Add Beefits SEVERE ILLNESS BENEFIT This beefit provides cash payout to a member diagosed for the first time with ay of the specified severe illesses, regardless of the actual medical expeses icurred. The cash payout ca be used amog other thigs to: a) Assist members with additioal medical costs which might be above the allocated scheme limits. b) Pay for alterative care or rehabilitatio therapies ot covered by the scheme c) Fud lifestyle chages that might be required followig diagosis ad/or treatmet of a severe illess. The followig coditios are covered uder this beefit: Blides Cacer Coma Coroary Artery Disease Heart Failure Kidey Failure (Chroic) Loss of Hearig Major Burs Major Orga Trasplat (Kidey, Lug, Liver, Heart, Pacreas) Stroke Paraplegia Vulvular Heart Disease The beefit has a termiatio age of 65 years. T s & C s Apply uderwritte by At the heart of health. 5

Value Add Beefits WELLNESS BENEFIT This beefit is desiged to help members with prevetio ad early detectio of certai illesses/medical coditios. The beefit covers the followig: 1. Aual Health Check: - For members ages 35 years ad above oce a year. Oly applicable to health plas A, B & C. Icludes cosultatio ad examiatio. 2. Breast Cacer Screeig: - Mammogram for wome aged 40-70 years oce i two years. 3. Cervical Cacer Screeig: - Pap smear test for wome aged 25-55 years oce i two years. 4. Cardiovascular Disease Screeig: - Blood cholesterol test for members aged 35 years ad above oce a year. 5. Diabetes Screeig: - Blood glucose test for members aged 35 years ad above oce a year. FLU VACCINE 6. Flu Vaccie: - Vacciatio oce a year for members aged 10 years ad below, members aged 65 years ad above ad members with certai chroic coditios (e.g. chroic respiratory diseases, chroic pulmoary obstructive diseases, chroic heart diseases, chroic kidey diseases, diabetes, HIV/AIDS etc.) 7. Glaucoma Screeig: - Screeig test oce a year for members aged 40 years ad above, members with family history of glaucoma ad members with diabetes. 8. HIV AIDS Screeig: - HIV rapid test for members aged 16 years ad above oce a year. - HIV Elisa test (cofirmatory test followig a positive rapid test) for members aged 16 years ad above. - Post Exposure Prophylaxis (PEP) for exposures associated with high risk of ifectio. Cover limited to occupatioal exposure. 9. Malaria Prophylaxis: - For members of all ages ( weight must be 20kg or more). Oly applicable to health plas A, B & C. 10. Osteoporosis Screeig: - Boe desitometry sca oce every 2 years for members aged 40 years ad above ad members with family history of oesteoporosis. Oly applicable to health plas A, B & C. 11. Prostate Cacer Screeig: - Prostate Specific Atige (PSA) test for me aged 40 years ad above oce i two years. 12. Rabies Vaccie: - For members of all ages as ad whe eeded. Oly applicable to health plas A, B & C. 13. Tetaus Toxoid: - For members of all ages as ad whe eeded. Oly applicable to health plas A, B & C. 6 Notes: Beefits available oly where service is give by Bomaid approved service providers. Maaged care, cliical protocols ad scheme rules apply. 100% payout by scheme. Bomaid tariffs strictly apply. Bomaid Healthpla Guide 2018 No 10% copaymet No VAT

Value Add Beefits EMERGENCY MEDICAL SERVICES This service is provided by MRI Botswaa. All Bomaid members ca call MRI o 992 for emergecy services throughout Botswaa, Lesotho, Namibia, South Africa, Swazilad ad Zimbabwe. Services offered: Emergecy medical assistace Emergecy respose to scee Pre hospital medical trasportatio Emergecy trasportatio of medical products Liaiso with ext of ki Iter hospital trasfer Upgrade trasfer Remote medical advice & iformatio Dowgrade trasfer Medical repatriatio Repatriatio of mortal remais Escorted returs of miors I hospital medical moitorig Dial OR +(267) 390 3066 for assistace. At the heart of health. 7

Value Add Beefits PREMIUM WAIVER This beefit pays medical aid cotributios for the registered depedats for a period of 12 moths after the death of the pricipal member. Value to the member: Fiacial freedom for the depedats. Depedats do ot have to make mothly cotributios themselves. BWP No additioal cost to the mai member. Guarateed medical aid cover for the remaiig depedats. 8 Bomaid Healthpla Guide 2018 uderwritte by

Value Add Beefits MATERNITY CARE PROGRAM Through Bombaby, we share with the expectat family the excitemet ad experiece brought about by the ew life we are waitig for. The program offers: Cliical support, educatio & advice from the 12 th week of pregacy. Ate atal classes by a desigated service provider. Ope discussios with a experieced midwife durig the various stages of the baby s developmet. Early idetificatio of high risk pregacy to eable the family to access medical assistace where ecessary. Tailor made iformatio o ay medical coditios i relatio to the pregacy. A hamper with hady supplies for baby & mom i the 3 rd trimester. At the heart of health. 9

Value Add Beefits PERSONAL ACCIDENT DISABILITY COVER Persoal Accidet Disability Cover pays the member a specified cash beefit should the member suffer a accidetal ijury or o-accidetal loss of fuctioality of a specified part of the body. The cash beefit is paid regardless of ay health isurace cover the member may or may ot have i place. The beefit is accessible to all covered Bomaid members ad their registered depedats. The followig Cotietal Scale for Persoal Disability Beefits shows the miimum ad maximum amout payable per each area of disablemet. DESCRIPTION OF DISABLEMENT MINIMUM COVER MAXIMUM COVER Loss of or Loss of Use i Oe Arm, had, leg or foot 2500 10,000 Complete or irrecoverable loss of sight 1250 10,000 Loss of thumb 250 3,000 Loss of idex figer 100 1,200 Loss of middle figer 75 800 Loss of rig figer 75 800 Loss of little figer 75 1,000 Loss of toes 50 2,500 Loss of hearig 500 5,000 Note: Where a coditio is classified or qualifies uder both critical illess ad persoal accidet disability, Botswaa Life will pay the greater of the two beefits. Ejoy quality healthcare whe you eed it. Bomaid, at the heart of health. 10 Bomaid Healthpla Guide 2018 uderwritte by

A Healthpla SINGLE FAMILY A Overall Scheme Beefit Limit 274,145 290,772 1 I-Patiet ad Maaged Care Beefits Overall Limit 236,250 252,000 (withi the above, the followig limits will apply i.e. 1.1, 1.2 ad 1.3) 1.1 Dread Disease Cover * - strictly i accordace with the Bomaid list of approved Up to 236,250 Up to 252,000 dread diseases 1.2 Hospitalisatio Maximum * (daily maximum room rate at agreed tariff **) 89,250 105,000 (withi the above, the followig sub-limits will apply) 1.2.1 Professioals fees 10,500 12,600 1.2.1.1 Doctors ad other Professioals Up to 10,500 Up to 12,600 1.2.1.2 Laboratory fees excludig HIV moitorig Up to 10,500 Up to12,600 1.2.1.3 Radiology fees Up to 10,500 Up to 12,600 1.2.2 Psychiatry ^ (i-patiet cover i a recogised psychiatric facility, icludes professioal fees) 15,750 15,750 1.2.3 Prosthesis ^ (exteral ad iteral) 6,300 6,825 1.2.4 Sub-acute care * (post admissio step dow - maximum 30 days) 14,280 14,280 1.2.5 Cofiemet * (the followig sub-limits will apply) 1.2.5.1 Normal delivery hospitalisatio fees (iclude forceps delivery ad vacuum 3,675 3,675 extractio) 1.2.5.2 Birthig uit delivery global fee (by a registered uit/facility) 788 788 1.2.5.3 Caesaria sectio delivery hospitalisatio fees 6,825 6,825 1.2.5.4 Normal delivery professioal fees (icludes post atal care) 3,660 3,660 1.2.5.5 Caesaria sectio professioal fees (icludes post atal care) 3,462 3,462 1.2.5.6 Aaesthetist fees (for Caesaria Sectio) 2,601 2,601 1.2.6 Neoatal hospitalisatios (from 0 to 28 days of age) Up to 89,250 Up to 105,000 1.2.7 Laser refractive eye surgery * (referrals from approved Ophthalmologist 2,646 3,528 /Optometrist) 1.3 Maaged Care Beefits * 1.3.1 Chemotherapy, radiatio therapy ad brachytherapy * (pre-authorisatio required) 31,500 42,000 1.3.2 Real dialysis for chroic real failure * (pre-authorisatio required) 31,500 42,000 1.3.3 Chroic medicatios * (supplied through the Maaged Care Program i 10,500 12,600 accordace with the Bomaid list of approved chroic coditios) Registratio with At the heart of health. 11

A Healthpla the Bomaid Maaged Care Programme Required SINGLE FAMILY 1.3.4 Exteded chroic medicatio beefit * ^ (cover o assessmet) 5,250 6,300 1.3.5 ARV medicatios per beeficiary * (supplied through the Maaged 12,600 Care Program) Registratio with the Bomaid Maaged Care Programme Required ** Where fixed fee arragemet has bee etered ito, those fees will apply Guarateed ^ Cover o assessmet *Pre-authorisatio required 2 Medical/Surgical Out-Patiet Overall Limit (Cosultatios, Medicatios, 17,790 24,568 Ivestigatios ad Procedures) (withi the above overall limit, the followig sub-limits will apply i.e. 2.1 to 2.5) 2.1 Cosultatios (GPs ad Specialists. Icludes ate-atal visits, examiatio ad 3,829 5,064 two subsequet follow-up appoitmets of the ewbor baby) 2.2 Ateatal Classes (by a cotracted/approved service provider) 750 750 Registratio with the Bombaby Program Required 2.3 Drugs/Prescribed Medicie Limit 3,491 4,935 At the heart of health. 2.3.1 Self medicatio (prescribed by pharmacist) 105 210 2.3.2 Doctor dispesed medicie (for acute cases oly) 525 788 2.3.3 Pharmacy dispesed medicie (icludes detal ad ophthalmic prescribed 2,625 3,938 medicatios) 2.3.4 Chroic medicatios (refer to item 1.3.3) Up to 10,500 Up to 12,600 2.3.5 ARV medicatios per beeficiary (refer to item 1.3.5) Up to 12,600 Up to 12,600 2.4 Diagostic/Ivestigative Procedure Limit 11,748 14,254 2.4.1 Laboratory ivestigatios/tests excludig HIV moitorig 1,139 1,657 2.4.2 HIV laboratory moitorig per beeficiary (Registratio with the Bomaid 3,500 Maaged Care Programme Required) 2.4.3 X-Ray/Ultrasoud scas (excludes 2 obstetric ultrasoud scas for ormal 1,034 1,447 pregacy) 2.4.4 Obstetric ultrasoud scas (maximum 2 scas i a ormal pregacy, 825 825 motivatio adpre-authorisatio required for high risk cases eedig more tha two scas) 2.4.4 MRI/CT scas * 5,250 6,825 2.4.5 Ifertility diagostic procedures No beefit No beefit 2.5 Medical/Surgical Procedure Limit 4,673 6,825 12 Bomaid Healthpla Guide 2018

A Healthpla SINGLE FAMILY A 2.5.1 Approved specialist major diagostic procedures * 2,888 4,331 2.5.2 Mior medical procedures 893 1,181 2.5.3 Mior surgical procedures 893 1,181 2.5.4 Major procedures (ambulatory) Up to 4,673 Up to 6,825 * Pre-authorisatio required ^ Cover o assessmet 3 Detal ad Oral Beefit Overall Limit 14,343 20,512 3.1 I-patiet Detal Overall Limit * (the followig sub-limits will apply) No beefit No beefit 3.1.1 Hospital fees No beefit No beefit 3.1.2 Detist fees No beefit No beefit 3.1.3 Aaesthetist fees No beefit No beefit 3.2 Specialised Detal Treatmet ad Oral Surgery * 10,500 15,750 3.2.1 Simple maxillo-facial surgery: acute or chroic * Up to 10,500 Up to 15,750 3.2.2 Orthodotic treatmet for members 25 years of age ad below Up to 10,500 Up to 15,750 * (braces, retaiers ad related appliaces) 3.3 Out-patiet Detal Overall Limit 3,843 4,672 3.3.1 Basic detistry (icludes cosultatios, radiology, fillig, extractio, cleaig, Up to 3,843 Up to 4,672 scalig ad polishig, icisio ad draiage, root caal treatmet) 3.3.2 Specialised detistry * (icludes crows, bridges ad detures) ad oral surgery Up to 3,843 Up to 4,672 3.3.3 Orthodotic treatmet for members 26 years of age ad above * (braces, Up to 3,843 Up to 4,672 retaiers ad related appliaces) * Pre-authorisatio required Refers to treatmet every 2 years 4 Optical Beefit (2 year beefit cycle from aiversary of claimig per beeficiary) 4.1 Desigated Service Providers (Maaged Care Protocols Apply) 4.2 No-Desigated Service Providers (Maaged Care Protocols Apply) 4.2.1 Cosultatio 135 4.2.2 Clear aquity sigle visio leses (per les) 200 4.2.3 Clear aquity bifocal leses (per les) 450 4.2.4 Clear aquity multifocal leses (per les) 600 At the heart of health. 13

A Healthpla SINGLE FAMILY 4.2.5 Frame ad/or ay les ehacemets 600 4.2.6 Cotact leses (oly claimable as a alterative to frame ad leses) 1,200 5 Appliaces Overall Limit 5,250 6,195 5.1 Geeral appliaces 2,625 3,098 5.1.1 Medical appliaces (icludig glucometers, ebulisers) 1,025 1,235 5.1.2 Surgical appliaces (for o-permaet disability) ( to be recommeded by 1,025 1,235 surgeo/orthopaedic surgeo) (icludes kee/collar/chest/foot braces, crutches ad walkig frames) Pre-authorisatio required 5.2 Wheel chairs, crutches ad walkig frames (for permaet disability) Up to 2,625 Up to 3,098 5.3 Hearig aid (prescriptio required) (maximum 1 pair of appliaces Up to 5,250 Up to 6,195 per 2 year cycle) 5.4 CPAP machies, home oxyge, stoma products (CPAP machies ad home Up to 5,250 Up to 6,195 oxyge cover subject to pre-authorisatio ad scheme protocols) At the heart of health. 6 Allied Health Services Overall Limit 2,909 4,541 6.1 Rehabilitatio Therapy (Medical Referral Needed for Sub-Limits 6.1.1 to 6.1.5) 6.1.1 Physiotherapy (motivatioal report eeded for cases requirig more tha 2,121 3,360 20 treatmet sessios) 6.1.2 Occupatioal therapy 1,061 1,680 6.1.3 Speech therapy 1,061 1,680 6.1.4 Cliical psychology 1,061 1,680 6.1.5 Cliical dietetics (cosultatio oly) - maximum 5 sessios 1,061 1,680 6.2 Alterative Treatmet 6.2.1 Homeopathic treatmet 788 1,181 6.2.2 Chiropractic treatmet 788 1,181 6.2.3 Naturopathic treatmet 788 1,181 6.2.4 Acupucture treatmet 788 1,181 6.2.5 Traditioal healig (cover strictly limited to Ngope, Thobega ad Mototwae) 788 1,181 6.2.6 Podiatry 788 1,181 14 Bomaid Healthpla Guide 2018

A Healthpla SINGLE FAMILY A 7 Safe Male Circumcisio 1,600 Subject to Maaged Care Protocols. Global fee icludes related costs of pre-operative testig ad post-operative care withi oe moth of the procedure. 8 Severe Illess Beefit (100% cash payout to the life assured o 1 st diagosis of ay oe of the pre-defied severe illesses) Refers to mai member ad spouse Refers to child depedat 9 Executive Aual Medical Examiatio No beefit No beefit (Per Beeficiary - Limited to two family members)(tests covered as per scheme pla) 10 Welless Beefit 10.1 Aual health check for members aged 35 years ad above 700 1,000 (icludes iitial GP cosultatio, geeral examiatio ad follow up visit) 10.2 Screeig ad prevetio beefits (Subject to defied scheme rules, maaged care ad cliical protocols. Refer to sectio o The Welless Beefit. RIP 11 Fueral Beefit 11.1 Member/ Spouse/ Paret 10, 000 11.2 Child depedat 14-21 years 10, 000 11.3 Child depedat 6-13 years 5, 000 11.4 Child depedat 1-5 years 2, 500 11.5 Child depedat uder 1 year 1, 500 At the heart of health. 15

2018 Health Pla Subscriptio Rates A Health Pla Subscriptio Rates Co-paymet Subscriptio Rates MEMBER AGE CATEGORY 18-35 36-49 50-55 56+ M 688 694 705 723 M+1 1,058 1,067 1,085 1,112 M+2 1,204 1,215 1,235 1,267 M+3 1,392 1,404 1,427 1,464 M+4 1,516 1,530 1,554 1,594 Paret 688 694 705 723 Both Parets 1,058 1,067 1,085 1,112 For A Health Plas, the Scheme may offer discouted rates to compaies with 10 or more employees. For more iformatio cotact Cliet Services o 3633100. A Plus Health Pla Subscriptio Rates At the heart of health. No Co-paymet Subscriptio Rates MEMBER SALARY CATEGORY 0-1500 1501-2299 Above 2299 M 489 623 748 M+1 770 1,000 1,150 M+2 862 1,123 1,307 M+3 992 1,290 1,511 M+4 1,055 1,370 1,645 Paret 489 623 748 Both Parets 770 1,000 1,150 For A Plus Health Plas, the Scheme may offer discouted rates to compaies with 10 or more employees. For more iformatio cotact Cliet Services o 3633100. Pre-Authorisatio Process To process a pre-authorisatio request, the Scheme requires the followig: Letter of motivatio from the service provider/doctor Detailed quotatio Name of the patiet Medical aid umber Doctor s ame ad practice umber Hospital ame ad practice umber ICD10 codes (diagoses codes) Itemised procedure codes Cost per procedure (add codes) Date of admissio 16 Bomaid Healthpla Guide 2018

B Healthpla SINGLE FAMILY B Overall Scheme Beefit Limit 866,532 1,009,686 1 I-Patiet ad Maaged Care Beefits Overall Limit 813,225 931,350 (withi the above, the followig limits will apply i.e. 1.1, 1.2 ad 1.3) 1.1 Dread Disease Cover * - strictly i accordace with the Bomaid list of approved Up to 813,225 Up to 931,350 dread diseases 1.2 Hospitalisatio Maximum * (daily maximum room rate at agreed tariff **) 393,225 511,350 (withi the above, the followig sub-limits will apply) 1.2.1 Professioals fees 175,500 168,000 1.2.1.1 Doctors ad other Professioals Up to 175,500 Up to 168,000 1.2.1.2 Laboratory fees excludig HIV moitorig Up to 175,500 Up to 168,000 1.2.1.3 Radiology fees Up to 175,500 Up to 168,000 1.2.2 Psychiatry ^ (i-patiet cover i a recogised psychiatric facility, icludes 42,000 52,500 professioal fees) 1.2.3 Prosthesis ^ (exteral ad iteral) 31,500 42,000 1.2.4 Sub-acute care * (post admissio step dow - maximum 30 days) 14,280 14,280 1.2.5 Cofiemet * (the followig sub-limits will apply) 1.2.5.1 Normal delivery hospitalisatio fees (iclude forceps delivery ad vacuum 9,450 9,450 extractio) 1.2.5.2 Birthig uit delivery global fee (by a registered uit/facility) 2,100 2,100 1.2.5.3 Caesaria sectio delivery hospitalisatio fees 13,650 13,650 1.2.5.4 Normal delivery professioal fees (icludes post atal care) 3,660 3,660 1.2.5.5 Caesaria sectio professioal fees (icludes post atal care) 3,462 3,462 1.2.5.6 Aaesthetist fees (for Caesaria Sectio) 2,601 2,601 1.2.6 Neoatal hospitalisatios (from 0 to 28 days of age) Up to 393,225 Up to 511,350 1.2.7 Laser refractive eye surgery * (referrals from approved Ophthalmologist 4,725 5,775 /Optometrist) 1.3 Maaged Care Beefits * 1.3.1 Chemotherapy, radiatio therapy ad brachytherapy * (pre-authorisatio required) 136,500 157,500 1.3.2 Real dialysis for chroic real failure * (pre-authorisatio required) 136,500 157,500 1.3.3 Chroic medicatios * (supplied through the Maaged Care Program i 37,800 44,100 accordace with the Bomaid list of approved chroic coditios) Registratio with At the heart of health. 17

B Healthpla the Bomaid Maaged Care Programme Required SINGLE FAMILY 1.3.4 Exteded chroic medicatio beefit * ^ (cover o assessmet) 18,900 22,050 1.3.5 ARV medicatios per beeficiary * (supplied through the Maaged 12,600 Care Program) Registratio with the Bomaid Maaged Care Programme Required ** Where fixed fee arragemet has bee etered ito, those fees will apply Guarateed ^ Cover o assessmet *Pre-authorisatio required 2 Medical/Surgical Out-Patiet Overall Limit (Cosultatios, Medicatios, 31,225 44,545 Ivestigatios ad Procedures) (withi the above overall limit, the followig sub-limits will apply i.e. 2.1 to 2.5) 2.1 Cosultatios (GPs ad Specialists. Icludes ate-atal visits, examiatio ad 6,160 9,190 two subsequet follow-up appoitmets of the ewbor baby) 2.2 Ateatal Classes (by a cotracted/approved service provider) 750 750 Registratio with the Bombaby Program Required 2.3 Drugs/Prescribed Medicie Limit 5,460 7,928 At the heart of health. 2.3.1 Self medicatio (prescribed by pharmacist) 210 315 2.3.2 Doctor dispesed medicie (for acute cases oly) 788 1,181 2.3.3 Pharmacy dispesed medicie (icludes detal ad ophthalmic prescribed 3,938 5,906 medicatios) 2.3.4 Chroic medicatios (refer to item 1.3.3) Up to 37,800 Up to 44,100 2.3.5 ARV medicatios per beeficiary (refer to item 1.3.5) Up to 12,600 Up to 12,600 2.4 Diagostic/Ivestigative Procedure Limit 24,328 24,028 2.4.1 Laboratory ivestigatios/tests excludig HIV moitorig 2,100 3,150 2.4.2 HIV laboratory moitorig per beeficiary (Registratio with the Bomaid 3,500 Maaged Care Programme Required) 2.4.3 X-Ray/Ultrasoud scas (excludes 2 obstetric ultrasoud scas for ormal 1,890 2,940 pregacy) 2.4.4 Obstetric ultrasoud scas (maximum 2 scas i a ormal pregacy, 825 825 motivatio adpre-authorisatio required for high risk cases eedig more tha two scas) 2.4.4 MRI/CT scas * 7,350 9,975 2.4.5 Ifertility diagostic procedures 2,625 3,938 2.5 Medical/Surgical Procedure Limit 8,400 12,600 18 Bomaid Healthpla Guide 2018

B Healthpla SINGLE FAMILY B 2.5.1 Approved specialist major diagostic procedures * 5,775 7,613 2.5.2 Mior medical procedures 1,313 1,969 2.5.3 Mior surgical procedures 1,313 1,969 2.5.4 Major procedures (ambulatory) Up to 8,400 Up to 12,600 * Pre-authorisatio required ^ Cover o assessmet 3 Detal ad Oral Beefit Overall Limit 50,661 74,213 3.1 I-patiet Detal Overall Limit * (the followig sub-limits will apply) 23,100 27,300 3.1.1 Hospital fees 12,600 15,750 3.1.2 Detist fees 5,775 6,300 3.1.3 Aaesthetist fees 4,725 5,250 3.2 Specialised Detal Treatmet ad Oral Surgery * 21,000 36,750 3.2.1 Simple maxillo-facial surgery: acute or chroic * Up to 21,000 Up to 36,750 3.2.2 Orthodotic treatmet for members 25 years of age ad below Up to 21,000 Up to 36,750 * (braces, retaiers ad related appliaces) 3.3 Out-patiet Detal Overall Limit 6,561 10,163 3.3.1 Basic detistry (icludes cosultatios, radiology, fillig, extractio, cleaig, Up to 36,750 Up to 10,163 scalig ad polishig, icisio ad draiage, root caal treatmet) 3.3.2 Specialised detistry * (icludes crows, bridges ad detures) ad oral surgery Up to 36,750 Up to 10,163 3.3.3 Orthodotic treatmet for members 26 years of age ad above * (braces, Up to 36,750 Up to 10,163 retaiers ad related appliaces) * Pre-authorisatio required Refers to treatmet every 2 years 4 Optical Beefit (2 year beefit cycle from aiversary of claimig per beeficiary) 4.1 Desigated Service Providers (Maaged Care Protocols Apply) 4.2 No-Desigated Service Providers (Maaged Care Protocols Apply) 4.2.1 Cosultatio 135 4.2.2 Clear aquity sigle visio leses (per les) 500 4.2.3 Clear aquity bifocal leses (per les) 750 4.2.4 Clear aquity multifocal leses (per les) 1,200 At the heart of health. 19

B Healthpla SINGLE FAMILY 4.2.5 Frame ad/or ay les ehacemets 900 4.2.6 Cotact leses (oly claimable as a alterative to frame ad leses) 2,500 5 Appliaces Overall Limit 9,470 11,340 5.1 Geeral appliaces 4,725 5,670 5.1.1 Medical appliaces (icludig glucometers, ebulisers) 1,235 1,419 5.1.2 Surgical appliaces (for o-permaet disability) ( to be recommeded by 1,235 1,419 surgeo/orthopaedic surgeo) (icludes kee/collar/chest/foot braces, crutches ad walkig frames) Pre-authorisatio required 5.2 Wheel chairs, crutches ad walkig frames (for permaet disability) Up to 4,725 Up to 5,670 5.3 Hearig aid (prescriptio required) (maximum 1 pair of appliaces Up to 9,470 Up to 11,340 per 2 year cycle) 5.4 CPAP machies, home oxyge, stoma products (CPAP machies ad home Up to 9,470 Up to 11,340 oxyge cover subject to pre-authorisatio ad scheme protocols) At the heart of health. 6 Allied Health Services Overall Limit 7,881 11,294 6.1 Rehabilitatio Therapy (Medical Referral Needed for Sub-Limits 6.1.1 to 6.1.5) 6.1.1 Physiotherapy (motivatioal report eeded for cases requirig more tha 6,831 9,194 20 treatmet sessios) 6.1.2 Occupatioal therapy 3,416 5,222 6.1.3 Speech therapy 3,416 5,222 6.1.4 Cliical psychology 3,416 5,222 6.1.5 Cliical dietetics (cosultatio oly) - maximum 5 sessios 3,416 5,222 6.2 Alterative Treatmet 6.2.1 Homeopathic treatmet 1,050 2,100 6.2.2 Chiropractic treatmet 1,050 2,100 6.2.3 Naturopathic treatmet 1,050 2,100 6.2.4 Acupucture treatmet 1,050 2,100 6.2.5 Traditioal healig (cover strictly limited to Ngope, Thobega ad Mototwae) 1,050 2,100 6.2.6 Podiatry 1,050 2,100 20 Bomaid Healthpla Guide 2018

B Healthpla SINGLE FAMILY B 7 Safe Male Circumcisio 1,600 Subject to Maaged Care Protocols. Global fee icludes related costs of pre-operative testig ad post-operative care withi oe moth of the procedure. 8 Severe Illess Beefit 20,000 (100% cash payout to the life assured o 1 st diagosis of ay oe of the 4,000 pre-defied severe illesses) Refers to mai member ad spouse Refers to child depedat 9 Executive Aual Medical Examiatio No beefit No beefit (Per Beeficiary - Limited to two family members) (Tests covered as per scheme pla) 10 Welless Beefit 10.1 Aual health check for members aged 35 years ad above 700 1,000 (icludes iitial GP cosultatio, geeral examiatio ad follow up visit) 10.2 Screeig ad prevetio beefits (Subject to defied scheme rules, maaged care ad cliical protocols. Refer to sectio o The Welless Beefit. RIP 11 Fueral Beefit 11.1 Member/ Spouse/ Paret 10, 000 11.2 Child depedat 14-21 years 10, 000 11.3 Child depedat 6-13 years 5, 000 11.4 Child depedat 1-5 years 2, 500 11.5 Child depedat uder 1 year 1, 500 At the heart of health. 21

2018 Health Pla Subscriptio Rates B Health Pla Subscriptio Rates Co-paymet Subscriptio Rate MEMBER AGE CATEGORY 18-35 36-49 50-55 Above 55 M 1,153 1,163 1,181 1,211 M+1 1,847 1,862 1,892 1,939 M+2 2,069 2,086 2,120 2,173 M+3 2,334 2,353 2,391 2,450 M+4 2,585 2,606 2,648 2,714 Paret 1,153 1,163 1,181 1,211 Both Parets 1,847 1,862 1,892 1,939 For B Health Plas, the Scheme may offer discouted rates to compaies with 10 or more employees. For more iformatio cotact Cliet Services o 3633100. B Plus Health Pla Subscriptio Rates At the heart of health. No Co-paymet Subscriptio Rates MEMBER AGE CATEGORY 0-2299 2300-3199 3200-6199 Above 6199 M 833 907 1,114 1,253 M+1 1,337 1,456 1,851 2,008 M+2 1,498 1,623 2,062 2,250 M+3 1,694 1,823 2,276 2,537 M+4 1,874 2,030 2,508 2,812 Paret 833 907 1,114 1253 Both Parets 1,337 1,456 1,851 2,008 For B Plus Health Plas, the Scheme may offer discouted rates to compaies with 10 or more employees. For more iformatio cotact Cliet Services o 3633100. Pre-Authorisatio Process To process a pre-authorisatio request, the Scheme requires the followig: Letter of motivatio from the service provider/doctor Detailed quotatio Name of the patiet Medical aid umber Doctor s ame ad practice umber Hospital ame ad practice umber ICD10 codes (diagoses codes) Itemised procedure codes Cost per procedure (add codes) Date of admissio 22 Bomaid Healthpla Guide 2018

Dread Disease Beefit This ONCE OFF IN A LIFETIME COVER is offered i terms of rule 15 (1) of the Society rules ad i accordace with the levels defied below. Dread diseases covered uder this beefit are as outlied below: 1 Coroary Artery Disease Dread disease beefit will ONLY be cosidered where the coroary arteries are severely arrowed resultig i a eed for coroary artery bypass surgery or ope heart surgery. 2 Valvular Heart Disease Dread disease beefit will ONLY be cosidered where there is medical proof of severe cardiac vulvular dysfuctio eedig a surgical itervetio such as valve repair or replacemet. 3 Heart Failure Dread disease beefit will ONLY be cosidered where there is medical proof that the member requires major surgical itervetio. 4 Cerebro Vascular Accidet / Stroke Dread disease beefit will ONLY be cosidered where there is medical proof that the member requires major surgical itervetio such as craiotomy. This cover also icludes rehabilitatio therapy at a agreed daily or global tariff for a period ot exceedig 36 days. 5 Ed Stage Real Failure Dread disease beefit will ONLY be cosidered where there is medical proof that the member requires kidey trasplat. The beefit covers oly the recipiet Bomaid member. 6 Leukaemia Dread disease beefit will ONLY be cosidered where there is medical proof that the member requires boe marrow trasplat. The beefit covers oly the recipiet Bomaid member. Ay other related treatmets fall withi the Dread Disease Cover. 7 Cacer/Maligat Neoplasm Dread disease beefit will ONLY be cosidered where there is medical proof that the member has a maligat type of cacer ad requires a major surgical itervetio. 8 Cerebral Aeurysm (Grade iii to v) Dread disease beefit will ONLY be cosidered where there is medical proof that the aeurysm is of grade III or above ad that the member requires a major surgical itervetio such as craiotomy or ligatio of blood vessels. The beefit also covers rehabilitatio therapy at a agreed daily or global tariff for a period ot exceedig 36 days. 9 Orga Trasplat The beefit covers trasplatatio of the followig coditios oly: Heart, Boe Marrow ad Kidey. Cover is oly for the recipiet Bomaid member. At the heart of health. 23

Maaged Care Program The program assists members with maagemet of chroic coditios ad icludes both beefit maagemet ad cliical advice. The followig coditios are covered uder the program: 1 Allergic Rhiitis (oly if associated with asthma) 16 Gout 2 Arthritis 17 HIV/AIDS 3 Akylosig Spodylitis 18 Hypercholesterolaemia 4 Asthma 19 Hypertesio 5 Beig prostate Hypertrophy 20 Iflammatory Bowel Disease 6 Bipolar Disorder 21 Migraie (excludes acute attacks) 7 Chroic Axiety 22 Multiple Sclerosis At the heart of health. 8 Chroic Depressio 23 Osteopoeia 9 Chroic Brochitis 24 Osteoporosis 10 Chroic Heart Diseases 25 Parkiso s Disease 11 Chroic Real Failure 26 Peptic Ulcer Disease 12 Chroic Obstructive Pulmoary Disease 27 Psoriasis 13 Diabetes 28 Schizophreia 14 Epilepsy 29 Systemic Lupus Erythematosus 15 Glaucoma 30 Thyroid Dysfuctio 24 Bomaid Healthpla Guide 2018

HIV/AIDS Assistace Program HIV/AIDS is a chroic coditio maaged uder the HIV/AIDS Assistace Program. ASSISTANCE PROVIDED BY BOMAID IS AS FOLLOWS: Cover for atiretroviral drugs Cover for laboratory moitorig tests Psychosocial support (cousellig) icludig adherece cousellig Cover for hospitalisatio related to HIV/AIDS ad/or opportuistic coditios Regular moitorig, evaluatio ad reportig Each idividual erolled o the program will be assisted with up to P12,600.00 per aum for ARV Medicatios ad up to P3,500 per aum for laboratory tests. ARV Medicatios are provided through the Bomaid Maaged Care Program oly. Hospitalisatio cover for HIV/AIDS related coditios is oly available to members erolled o the program. At the heart of health. 25

Additioal Notes: 1. I-patiet ad Maaged Care Beefits: Pre-authorisatio is required for all cases. Scheme ad/or maaged care protocols will be applied. Post-admissio step dow cover icludes sub-acute care, hospice, private ursig ad physical rehabilitatio for approved cliical coditios. Excludes old age homes ad frail care. Chroic medicies will be covered uder the chroic medicatio beefit oly if supplied through the Bomaid desigated pharmacies. Ay chroic medicies supplied outside the desigated pharmacies will be covered uder the pharmacy beefit. No cover for ARVs supplied outside the Bomaid desigated pharmacies. 2. Medical/Surgical Out-patiet Beefit: No cover for ifertility treatmet procedures. 3. Pharmaceutical Beefit Maagemet Geeric referece pricig (GRP) will apply to all schemes except Scheme C. Uder the GRP, a brad-ame medicie that has a geeric equivalet registered i Botswaa ad available at the poit of service will be reimbursed up to the tariff of the geeric equivalet. Members will ot pay the 10% co-paymet should they opt to take the available geeric medicies. Members will pay the differece betwee the tariff of the brad-ame medicie ad the geeric equivalet should they opt to take the brad-ame medicie while there is a available geeric equivalet. At the heart of health. 4. Detal Beefit: Maximum 2 prevetative treatmets per beeficiary per aum (e.g. cleaig, scalig ad polishig). Re-treatmet (e.g. fillig) of a tooth withi oe year will be subjected to maaged care ad cliical protocols. Cover excludes: orthogatic (jaw correctio) surgery, professioally applied fluoride, detal bleachig ad implats. Pre-authorisatio is required for all i-hospital detal procedures as well as specialised detistry (icludig orthodotic treatmet, crows, bridges ad detures). Pre-authorisatio is ot required for surgical procedures doe uder local aaesthesia i out-patiet rooms. A two-year beefit cycle applies for specialised detistry (icludig orthodotic treatmet, crows, bridges ad detures). 5. Optical Beefit: Reduced levels of member co-paymets for services obtaied from desigated service providers. A two year beefit cycle applies (excludes cosultatios). 6. Appliaces Beefit: Oe wheel chair per beeficiary over a 3 year cycle. Oe pair of hearig aids per beeficiary over a 2 year cycle. 7. Allied Health Services Beefit: Occupatioal therapy, speech therapy ad cliical psychology beefits exclude therapy for social, educatioal ad developmetal problems. Alterative treatmet claim paymets will oly be made to members ad ot service providers. 26 Bomaid Healthpla Guide 2018

8. Safe Male Circumcisio: Cover icludes pre-operative cosultatio/cousellig, physical examiatio, HIV test ad postoperative care withi 1 moth of operatio. 9. Welless Beefit: Aual health check applicable to members aged 35 years ad above i health plas A, C ad C oly. Boe desitometry sca, tetaus toxoid, rabies vaccie ad malaria prophylaxis applicable to health plas A, B ad C oly. No pre-authorisatio required for screeig ad prevetio beefits. 100% payout of the scheme tariffs. No copaymet. No VAT. 10. Executive Aual Medical Examiatio: Covers pricipal member plus oe (1) adult depedat per year. Cover icludes physicia cosultatio, physical examiatio icludig cacer screeig, blood work up, ECG, ad o-ivasive radiology. Excludes blood tumor markers ad mammograms. IN ALL BENEFIT CATEGORIES, ANY ONE FAMILY MEMBER CANNOT CLAIM IN EXCESS OF THE SINGLE MEMBER S LIMIT. At the heart of health. 27

Cotacts Head Office Gaboroe Fracistow Brach Botswaa Medical Aid Plot 50638 Fairgrouds +267 363 3100/101 Botswaa Medical Aid Plot 21931/21932, Tebo House Groud Floor +267 241 0316 +267 318 4230/152 +267 241 0341 P. O. Box 632 Gaboroe, Botswaa P. O. Box 3328 Fracistow, Botswaa Mau Brach Botswaa Medical Aid Plot 270/271 Tsheko Tsheko Road (Old Delta Medical) Prime Health Medical Cetre +267 686 4577 +267 686 4455 Healthier, Happier Lives. www.bomaid.co.bw bomaid@bomaid.co.bw bomaid