YOUR HEALTH

IN YOUR HANDS

Health product changes 2018

Discovery Health Medical Scheme’s (DHMS) benefits and contributions will change on 1 January 2018. Here’s an overview of the most important changes and guidelines should you want to change your plan. As in 2017, employees will in 2018 have the option to participate on either the DHMS or Medihelp and if you would like to review the Medihelp plans, please click on this link http://www.afhealth.co.za/stellenboschuniversity/Pages/default.aspx

Discovery average increase

Discovery average weighted increase

= 7.9%

Comprehensive, Priority and Keycare

plans: 8.3% increase

Executive and Smart plans: 7.3% increase

Saver and Core plans: 7.6% increase

Keycare income bands: 5.6% increase

major benefit changes

1 Young Family Benefit: risk-funded

pre- and postnatal care on all plans

2 Day-to-day Extender Benefit: GPs added to network. Medicine,

pathology and external medical

items discontinued.

3 Digital health technology: quality medical information available

on Discovery app

4 Executive Plan enhancements to

medical treatment outside South Africa

Other

changes Priority & Comprehensive options:

Threshold increase of 8.3%

Executive plan: Threshold increase

of 22.6%

No change to Oncology limits

Over-the-counter medicine benefit

included on Smart plans

Refer to Annexure A for the 2018

contribution table.

Refer to Annexure B for details of these changes.

Refer to Annexure C for details of these

changes.

Deductible and

co-payment

changes

Vitality

Changes

1 MRI/CT scan co-payments: 0% increase

2 Priority plan deductibles: 8.1% to 8.9% increase

3 Delta plan deductibles: 7.7% increase

4 Smart plan deductibles: 7.3% increase

5 Dentistry co-payments: 7.3% to 7.6% increase

- Refer to Annexure D for the 2018

co-payments and deductibles.

Your company information and how to change your plan

Refer to Annexure E for your

presentation dates and processes

Refer to Annexure F for an

option change form

Enhanced Booster Benefits

NEW Surprise Rewards

NEW Vitality Move for all Discovery

Health members

NEW Vitality Active for under 30s

NEW Vitality Purple for Executive

plan member

Refer to Annexure G for the details of

Vitality changes and contributions.

HEALTH

Refer to Annexure F for gap insurance

changes

Annexure A

Annexure B

Major benefit changes

Executive Plan Change

1 Global Treatment Platform

Discovery Health Medical Scheme has enhanced some of the existing benefits under a new umbrella called the

Global Treatment Platform, which offers members access to medical treatment outside South Africa. This platform

includes the following:

International Second Opinion Services: Members and their treating specialist can access a second opinion for

life-threatening and life-changing conditions from world-leading clinical experts at the Cleveland Clinic, funded

in full from risk benefits.

Overseas Treatment Benefit: Members can access advanced medical care outside South Africa. Members

have R750 000 to cover the cost of medical treatment that is unavailable in South Africa. Members also have

R300 000 to cover the cost of voluntary in-hospital medical treatment outside South Africa. Both these benefits

are subject to Scheme guidelines and managed care protocols as well as a 20% co-payment.

International Travel Benefit: In 2018 members will have US$ 1 million per member to cover the cost of medical

emergencies while traveling outside South Africa.

2 Day-to-Day Healthcare Expenses

The cover for day-to-day and in-hospital healthcare expenses has been restructured as follows:

Hospital expenses will now be funded by the hospital benefit and no longer through the medical savings

account.

The Medical Savings Account (MSA) will be used exclusively for out-of-hospital expenses.

The plan now has a self-payment gap and the day-to-day Extender Benefit will cover a defined list of healthcare

services in the self-payment gap.

In-hospital treatment by specialists remains covered at 300% of the Discovery Health Rate, however other

healthcare professionals (such as physiotherapists and GPs) will be increased to 200% of the Discovery Health

Rate.

Discovery DrConnect

Discovery Health Medical Scheme has introduced Discovery DrConnect to all members. This benefit works as

follows:

Members will have access to an extensive library of doctor-created and peer-reviewed healthcare content.

The library provides a credible source of online medical information to members, including doctor-created

personalised tips and checklists to help members meet their health goals.

Members will also have access to doctors worldwide to get medical advice at no additional cost.

Discovery Health Medical Scheme has also integrated this technology into the clinical case management

systems, facilitating personalised care pathways to optimise the management of members with specific chronic

conditions, as well as mothers during and after pregnancy.

Members will be able to conduct virtual follow-up consultations through voice, video or text consultations with

their doctors, paid from applicable day-to-day benefits

Members can access DrConnect through the Discovery app and www.discovery.co.za.

Young Family Benefit

All members will have access to this comprehensive maternity and post-birth benefit, which will allow them to enjoy access to 24/7 support, advice and guidelines through the My Pregnancy and My Baby programmes on the Discovery app.

Benefits during pregnancy:

Benefit pre Birth Executive & Comprehensive

plans Priority Plans

Saver, Smart, Core and KeyCare plans

Ultrasound Scans and prenatal screening

2D Ultrasound Scans 2D Ultrasound Scans 2D Ultrasound Scans

Essential Registered Devices

R5 000 for breast pumps and smart thermometers with a

25% co-payment No benefit No benefit

Private Ward Cover R1 880 per day No benefit No benefit

Antenatal Consultations to be used pre and post birth

12 Gynecologists, GP or Midwife visits

8 Gynecologists, GP or Midwife visits

8 Gynecologists, GP or Midwife visits

Blood Tests Defined list of routine tests Defined list of routine tests Defined list of routine tests

Antenatal classes or consultations with a nurse

Up to 5 pre or post natal classes or consultations with a

registered nurse

Up to 5 pre or post natal classes or consultations with

a registered nurse

Up to 5 pre or post natal classes or consultations with

a registered nurse

Benefits from birth of a child to the age of two:

Benefit Executive & Comprehensive plans

Priority Plans Saver, Smart, Core and

KeyCare plans

GP and Specialist visits 2 visits with GP, pediatrician or

ENT. 2 visits with GP, pediatrician or

ENT. 2 visits with GP, pediatrician

or ENT.

Six week consultation 1 post birth consultation with a midwife, GP or gynecologist

1 post birth consultation with a midwife, GP or gynecologist

1 post birth consultation with a midwife, GP or

gynecologist

Nutrition assessment 1 assessment with a dietician 1 assessment with a dietician 1 assessment with a dietician

Mental Health 2 mental health consultations

with a counselor or psychologist

2 mental health consultations with a counselor or

psychologist

2 mental health consultations with a counselor or

psychologist

Lactation consultation 1 lactation consultation with a registered nurse or a lactation

specialist

1 lactation consultation with a registered nurse or a lactation

specialist

1 lactation consultation with a registered nurse or a

lactation specialist

Members can activate the Young Family Benefit and create a pregnancy profile on the Discovery Health app or

website once they have pre-authorised the delivery of the baby with the Discovery Call Centre.

Day-to-Day Extender Benefit

Cover for pathology, acute medicine and external medical items through the Day-to-day Extender Benefit will

be discontinued in 2018.

The GP network for the Day-to-day Extender Benefit has been enhanced to include all HealthID enabled GPs.

The information in this document belongs to Alexander Forbes. You may not copy, distribute or modify any part of this document without the express written perm

Annexure C

Other benefit changes for 2018

Threshold changes Threshold levels have increased by 8.3% on Comprehensive and Priority Plans. Executive Plan threshold will increase by 22.6%.

Plan Principal member Adult Child

Executive R20 350 R20 350 R3 850

Comprehensive R16 790 R16 790 R3 200

Priority R14 240 R 10 670 R4 660

Changes to the Smart Plan Series Members will have access to schedule 0 – 2 over the counter medications from a network pharmacy, subject to an annual limit:

Classic Smart Plan: R600 per family a year

Essential Smart Plan: R400 per family a year. Premier Plus GP Network The Premier Plus GP network has been introduced as the Designated Service Provider for the HIVCare Programme on all plans with the exception of Executive and Comprehensive. This change will be effective for new members registering on the HIVCare Programme from 1 January 2018. For members already registered on the HIVCare programme, however, the change will only be effective from 1 July 2018.

Prior

Other changes 2018

Benefit limits Increased in line with plan contribution increase

Oncology No change

External medical items limit No change

Spinal devices limit No change

Hip and knee prosthesis limit Network provider remains unlimited and non-network limit decreased by 21.5%

Annexure D

Deductibles and co-payment changes for 2018

The Priority plan deductibles range from R3 050 to R15 000.

Deductibles 2017 2018 % increase

Conservative back and neck treatment, myringotomy

(grommets), tonsillectomy, adenoidectomy

R2 800

R3 050

8.9%

Colonoscopy, proctoscopy, sigmoidoscopy, cystoscopy and

gastroscopy

R3 600

R3 900

8.3%

Arthroscopy, functional nasal procedures, hysterectomy

(except for preoperatively diagnosed cancer), endometrial

ablation, laparoscopy, hysteroscopy

R6 750

R7 300

8.1%

Reflux surgery, spinal (back and neck) surgery and joint replacement

R13 850

R15 000

8.3%

The Delta plans deductible increases from R7 100 to R7 650, a 7.7% increase.

The Classic Smart Plan deductible increases from R8 200 to R8 800, a 7.3% increase.

The deductibles for in-hospital dentistry will increase as follows:

Category of members

Hospital % increase

Day clinic % increase

2017 2018 2017 2018 Members younger than 13

R2 050

R2 200

7.3%

R930

R1 000

7.5%

Members older than 13

R5 250

R5 650

7.6%

R3 400

R3 650

7.4%

MRI and CT scan co-payments remain unchanged for 2018.

The co-payments for scopes are covered as follows in 2018:

Executive plan

Comprehensive plan

Priority plan

Saver Smart & Core

KeyCare

In Hospital Paid from Hospital benefit

R3 400 Co-payment paid from

available MSA

R3 900 Deductible

paid by member

R4 200 paid from available

MSA

R4 200 to be paid by member

Cover at Day-

surgery network

Out of Hospital/Doctor’s Room

Paid from Hospital benefit

Paid from Hospital benefit

Paid from Hospital benefit

Paid from Hospital benefit

Paid from Hospital benefit

Cover at Day-

surgery network

Annexure E

How can we help you change your plan for 2018?

1. Comparing the DHMS and Medihelp plans

Employees can visit the Stellenbosch University Alexander Forbes Health website on the following link to compare the various DHMS and Medihelp plans: http://www.afhealth.co.za/stellenboschuniversity/Pages/default.aspx By clicking on the Benefit Calculator option on the above mentioned website, any plan comparison can be done and the comparison can be converted into pdf and printed. 2. How to change your plan or scheme for 2018 Members who wish to make a plan change for 2018 will be given the opportunity to make these changes online via the Human Resources link on the University's website. Members will be able to make these changes online from 9 November 2017 until 14h30 on 6 December 2017. HOW TO CHANGE YOUR OPTION OR CHANGE YOUR SCHEME FOR 2018 ON THE WEBSITE Visit the SU webpage at http://www.sun.ac.za Click ‘For Staff’ Choose ‘My.Sun’ Choose ‘SUN-e-HR’ Enter your Username and Password Click on ‘SUN Employee Self Service’ Click on ‘Remuneration and Banking’ At ‘External Links’ choose ‘Medical Aid Choice 2018’ Click on ‘Choose Medical Aid for 01 Jan 2018’ You will only be allowed to structure your medical scheme option

CHOOSE YOUR OPTION FOR 2018 NOW The option to select your option will be under Struktureringsvoordele / Structuring Benefits

When clicking on the down arrow v, all the options will appear. Click on your chosen option for 2018

Once you have made your choice, your MSA and Threshold (if applicable) will automatically appear.

CONFIRM YOUR CHOICE BY CLICKING ON Save Package

Once you have clicked on Save Package you will receive an e-mail confirming the option choice that you have made

for 2018. If you do not receive an e-mail it means that your choice has not been stored in your package structuring and we request that you send an urgent e-mail to dutoitmar@aforbes.co.za confirming your option choice for 2018. The closing date for option choices is 6 December 2017 at 14h30, and not any other date that you may see on any of Discovery Health’s communications. Should an employee wish to move to Medihelp, please contact Marie-Louise du Toit or 021 808 4827 or dutoitmar@aforbes.co.za.

3. Do you need help making the choice? Your Alexander Forbes Health consultants, Marie-Louise du Toit and Riaan Oosthuizen, will be available to help you make the right choice so you and your family can enjoy good health. Members can call the Human Resources Client Service Centre on 021 808 2753 to reserve an appointment with an Alexander Forbes Health consultant regarding their plan choice for 2018. All the information regarding medical aid plans for 2018 will be available on the SU website from 9 November 2017 (http://www.sun.ac.za/english/human-resources/hr-documents/policies-procedures)

Days and times Contact details Address

Monday, Tuesday and Thursday 08h00 to 16h00

Tel: (021) 808 4827 or dutoitmar@aforbes.co.za

Stellenbosch Campus, Admin Building Block C Room C1308

Wednesday 08h00 to 13h00

Tel: (021) 938 9013 or dutoitmar@aforbes.co.za

Tygerberg Campus Admin Building Room 1061

Friday 08h00 to 16h00

Tel: (021) 809 3607 or dutoitmar@aforbes.co.za

Alexander Forbes Health Dorp Street Office Stellenbosch

ONLINE TOOLS: Please view our Benefits Broadcast (http://www.corpcam.com/AFHDiscoveryUpdate2018S) to access a presentation on the DHMS changes and product information for 2018.

Your Alexander Forbes Health consultant will also host information sessions on the 2018 schemes. The dates and times of the member information sessions are:

Date Time Place

21 Nov. 2017 Tygerberg (AFR & ENG) 09:00 – 11:00 Teaching Building, Lecturing Hall 04

23 Nov. 2017 General session (AFR & ENG) 09:00 – 11:00 JSG Library Auditorium

24 Nov. 2017 General session (AFR & ENG) 09:00 – 11:00 JSG Library Auditorium

28 Nov. 2017 Pensioners – AFR & ENG 09:00 – 11:00 JSG Library Auditorium

28 Nov. 2017 USB-ed (AFR & ENG) 14:00 – 16:00 Main Building, Room 216

We strongly advise that members attend one of the information sessions, as important aspects of the various DHMS and Medihelp plans will be discussed. 4. Occupational Health: OcsaCare

The OcsaCare premium for 2018 increased by 7% from R268 per month in 2017 to R286 per month with effect 1 January 2018. The product offers basic day-to-day medical provision for the employee only, with no hospital cover. This product does not cover any dependants. This product is available to personnel on all levels and should you require more information regarding the product, please contacts your Alexander Forbes Health consultant. For more information, please click on the link below:

http://www.sun.ac.za/english/human-resources/hr-documents/policies-procedures

Annexure F

Gap insurance changes for 2018

Admed launched their 2018 product offering in October 2017. Below is an overview of the most important changes for the year ahead.

The main impact of changes in the Short Term Insurance Act (SIA) and Long Term Insurance Act (LIA): 1. The current dental repair benefit and hospital lump sum benefits have been removed for 2018. 2. An overall policy limit of R150 000 per person will apply in 2018, but there are certain benefits that do not

accrue to this limit:

The cancer lump sum benefit.

The personal accident lump sum benefit. 3. The changes in the SIA and LIA allows insurers to have a higher premium for members older than a specific

age. Key benefit changes: 1. The limit for internal prosthesis remains unchanged. 2. The lump sum cancer benefit stays at R15 000 on diagnosis plus R10 000 once the member reaches the

medical scheme's oncology benefit limit. The lump sum will not be paid in the following cases:

Benign cancers.

Localised or stage 1 cancers.

Cancers treated with biopsy at the time of diagnosis with no further surgical, medical or radiotherapy. 3. The oncology co-payment benefit (the benefit that covers the co-payment which the scheme applies once the

oncology limit is reached) stays unchanged. It covers co-payments up to 20% of the total cost of claims as long as the member is registered on the scheme's oncology programme. It is important to note that the oncology co-payment benefit is subject to the R150 000 overall limit even though the cancer lump sum benefit is not.

4. The accidental death/disability benefit has been increased to R50 000. This is a 100% increase from 2017. Claims must meet Admed's definition of "accidental" death or” disability”. The benefit is reduced to R10 000 for dependants younger than 6 years and to R30 000 for dependants between the ages of 6 and 13.

Other changes: 1. The casualty benefit has been increased by 100% from R5 000 to R10 000. 2. The Admed Primary option now includes cover for PMB claims. 3. All current dependants of policyholders are automatically covered. However, members must notify Admed of

new dependants in future by completing and submitting the relevant form. This will not affect the premium - members still pay one premium for the entire family.

Exclusions: Admed will apply the following additional exclusion in 2018: 1. Shortfalls for "religious and cultural procedures". Note that this includes circumcisions. 2. Co-payments or penalties for not adhering to scheme rules. Premiums The 2018 premiums for the SU’s members on Admed Supreme will increase by 9% from R197 per policy per month to R215 per policy month. The 2018 premiums for the SU’s members on Admed Primary will increase by 9% from R156 per policy per

month to R170 per policy month.

Annexure G

Vitality changes for 2018

Vitality Active Rewards Vitality Active Rewards members will be able to spin the wheel and earn a surprise reward on achieving three consecutive goals every three weeks. The current team rewards will fall away. Members will also have the opportunity to track their progress and add an unlimited number of Vitality Active Rewards friends to follow and challenge.

Enhanced Booster Benefits Vitality Active Rewards members will be able to choose a bike, device or shoe booster benefit. The rewards are subject to an online activation fee:

Booster benefit Online activation fee Rewards

Bike booster R700 Up to 25% of the 1st R20 000 of the retail price of the bike over 36 months

Device booster R350 Up to 50% cash back on the 1st R4 000 of the retail price of the fitness device over 24 months

Shoe booster R350 Up to 75% cash back on the first R2000 of the retail price of the running shoes over 12 months

Vitality Move Vitality Move is free for all Discovery Health Medical Scheme members. Members can register on the Discovery Health website. Once registered, members:

Stand a chance of winning their Pick n Pay HealthyFood shopping spend every time they swipe their Vitality Move cards.

Stand a chance of winning back all their shopping expenses at Pick n Pay if they do a Vitality Health Check. To earn the following additional rewards, members must pay an additional monthly fee of R35 for each adult over the age of 18 years:

Can get up to R100 off their monthly gym fee at Virgin Active Club or Planet Fitness.

Can earn up to R100 in Pick n Pay shopping rewards monthly.

Can get up to R100 off movie tickets monthly. To earn the rewards, members must achieve 10 fitness days, their weight must be in range and they must have completed a Vitality Health Check.

The information in this document belongs to Alexander Forbes. You may not copy, distribute or modify any part of this document without the express written permission of Alexander Forbes.

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Vitality Active Vitality Active is designed for young adults who don’t belong to Vitality but have DiscoveryInsure.

If they achieve a fitness goal and a drive goal, they qualify for weekly Active rewards.

If they achieve their weekly goals three times in a row, they qualify for surprise rewards.

Members of Vitality Active can get 25% off their gym membership and up to 100% of Discovery SmartLife Plan premiums back.

Vitality Active costs R40 per month for members under age 30. Vitality Purple Vitality members with a qualifying Discovery Purple product such as the Executive plan are eligible to upgrade to Vitality Purple. Vitality Purple members have access to the following:

Discovery’s Executive Wellness Experience, either at Discovery’s executive medical centre or in the comfort of their own home or office.

75% off any Virgin Active or Planet Fitness gym membership for the principal member and spouse.

Discounted home gym equipment rental.

Access to customised training programmes by South Africa’s leading sports scientists and professional coaches.

Front row seats at iconic local and international sporting and entertainment events.

Up to 50% off four premier spa treatments.

Up to 50% off high-end fitness devices; up to 25% off premier road or mountain bike brands; or up to 25% off the best golf clubs.

Vitality contributions will increase by 9.06% to 11.15%, depending on family size. The contributions for 2018 are as follows:

Member only Member +1 Member +2 or more

Vitality R239 R289 R329

Vitality Purple R399 R459 R499

KeyFit will be closed to new members from January 2018. Existing members can stay on KeyFit and enjoy the existing benefits or move to an alternative Vitality product. The 2018 premiums are:

Member only Member +1 Member +2 or more

KeyFit R52 R63 R78

Vitality and KeyFit combination: The combination offer will be closed to new members from January 2018. Existing members will however be able to continue to enjoy the benefits or move to an alternative Vitality product. The 2018 premiums are:

Member only Member +1 Member +2 or more

Vitality & KeyFit R265 R319 R359