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    Your health. Your life. Your choice!
    2008
“The firt step to getting the things you want out of life
is this: decide what you want.” – Ben Stein
Entry-Level      starting out first salary single income tight budget good health young affordable healthcare   2



Focus            working your way up energy good health reach the top reassurance hospital cover                6



Plus             working hard young family single own home aiming high fast-paced life good healthcare          10



Complete         family and friends kids and teenagers enjoying it all comfortable life excellent healthcare    14



Healthy living                                                                                                  17



Liberty Medical Scheme option summary                                                                           18



2008 Benefits Schedule                                                                                          19
Is this you?
Entry-Level Range
You are finally earning your own salary and loving it! But your budget is
a bit tight. . . Thank goodness you’re in good health and rarely need to visit
a doctor or dentist.

Or perhaps you and your partner are making ends meet on a single income
to provide your young children with a full-time parent. You have already
trimmed your expenses to the max, but you cannot afford to be without
healthcare.




                                                                                 2
Entry-Level Range                                                         Differences between Silver Corporate Network and Silver Focus
Effective and affordable entry-level healthcare with
                                                                                Silver Corporate Network                            Silver Focus
salary-based contributions.
                                                                          Day-to-day Benefit:                          Day-to-day Benefit:
Silver Corporate Network and Silver Focus                                 • Substantial benefits through extensive • CAT Scans only.
                                                                            Primecure network of accredited
                                                                            providers nationwide.
Liberty Medical Scheme's Entry-Level range offers substantial benefits
in a salary-banded framework. The Silver Corporate Network option has
four salary bands for contributions making it the preferred option for    Monthly Contributions                        Monthly Contributions
employers wanting cover for lower paid staff. The Silver Focus range is   Income                                       Income
                                                                          level pm    <R3 8000 <R5 500 <R8 000 >R8 000 level pm     <R5 500    >R5 500
popular with young people who have low day-to-day healthcare needs.
                                                                          Principal                                  Principal
                                                                          member         R476    R512    R923 R1 328 member           R466       R882
                                                                          Spouse or                                  Spouse or
                                                                          adult child    R458    R493    R884 R1 271 adult child      R372       R742
                                                                          Child                                       Child
                                                                          dependant      R164    R172    R266    R406 dependant       R142       R211

                                                                          Please see pg 19 for complete 2008 Benefits Schedule.
The benefits listed below are for the Silver Focus option – the Silver Corporate       Preventative Care Benefit
Network option offers an extensive range of benefits through the Primecure network     You and your family have access to health programmes, certain tests and
nationwide. This option is well suited to employer groups and a separate, detailed     immunisations. It carefully monitors your health to help prevent possible future
schedule of benefits is available on request.                                          illnesses. It also leads to the early detection and treatment of medical conditions
                                                                                       and helps to prevent the progression of chronic illnesses.
Benefit Highlights
The most costly services for which you need to be covered are treatments in hospital   Day-to-day Benefit
and the management of chronic illnesses. However, taking preventative measures         Your routine medical treatments are usually less expensive than going to hospital
can help to keep you healthy.                                                          and generally more manageable. For that reason, medical treatments such as visits
                                                                                       to your GP or specialist, medicine for colds and flu, x-rays, blood tests and contact
Major Medical Benefit                                                                  lenses are self-funded.
Up to 100% of LMS Tariff.
                                                                                       Unique Benefits
Chronic Benefit                                                                        These special benefits take care of your physical and emotional wellbeing:
You are covered for Prescribed Minimum Benefits (PMB) conditions. If you have          • Rehabilitation and counselling treatment following a crime trauma.
a chronic condition and take medicine on a daily basis, the cost of this treatment     • Treatment for HIV/AIDS through Aid for AIDS, an exceptional programme hailed
will be paid for. No co-payment is applicable provided you obtain the formulary          as the industry benchmark.
medicine, which is usually a generic substitute.                                       • Generous cover for diagnostic scans, such as CAT scans.
                                                                                       • Accidental trauma cover from day one, irrespective of waiting periods or
                                                                                         exclusions.




                                                                                                                                                                               4
Is this you?
Focus Range
You are busy working your way up in your chosen profession. Your energy
and good health keep you going as you strive to reach the top of your game.

You can hardly remember when last you needed medical care, but you do
want the reassurance that if you do see the inside of a hospital, you won’t
be stuck with endless medical bills afterwards.




                                                                              6
                                                                         Differences between Platinum Focus and Gold Focus
Focus Range
Excellent in-hospital benefits to safeguard you against                             Platinum Focus                                Gold Focus
major medical expenses.
                                                                         Major Medical Benefit                      Major Medical Benefit

                                                                         • Up to 300% of LMS Tariff.                • Up to 120% of LMS Tariff.
Platinum Focus and Gold Focus

If your key concern is to have financial protection against expensive    Chronic Benefit:                           Chronic Benefit:

and unforeseen major medical expenses, Liberty Medical Scheme's Focus    • Prescribed Minimum Benefits (PMB)        • Prescribed Minimum Benefits (PMB)
                                                                           conditions                                 conditions
range offer you excellent in-hospital benefits. Consider the range’s
                                                                         • Non-PMB conditions                       • N/A
value-for-money benefits and then choose between Platinum Focus and
Gold Focus. Except where otherwise indicated, the benefits below apply
                                                                         Monthly Contributions                      Monthly Contributions
to both options.
                                                                         • Principal member            R927         • Principal member            R720
                                                                         • Spouse or adult child       R834         • Spouse or adult child       R607
                                                                         • Child dependant             R299         • Child dependant             R273


                                                                         Please see pg 19 for complete 2008 Benefits Schedule.
Benefit Highlights                                                                     Preventative Care Benefit
The most costly services for which you need to be covered are treatments in hospital   You and your family have access to health programmes, certain tests and
and the management of chronic illnesses. However, taking preventative measures         immunisations. It carefully monitors your health to help prevent possible future
can help to keep you healthy.                                                          illnesses. It also leads to the early detection and treatment of medical conditions
                                                                                       and helps to prevent the progression of chronic illnesses.
Major Medical Benefit
Platinum Focus: Up to 300% of LMS Tariff.                                              Unique Benefits
Gold Focus: Up to 120% of LMS Tariff.                                                  These special benefits take care of your physical and emotional wellbeing:
                                                                                       • Cover for extreme and professional sports.
Chronic Benefit                                                                        • Rehabilitation and counselling treatment following a crime trauma.
If you have a chronic condition and take medicine on a daily basis, the cost of this   • Treatment for HIV/AIDS through Aid for AIDS, an exceptional programme hailed
treatment will be paid for. No co-payment is applicable provided you obtain the          as the industry benchmark.
formulary medicine, which is usually a generic substitute.                             • Generous cover for diagnostic scans, such as MRI and CAT scans.
                                                                                       • Accidental trauma cover from day one, irrespective of waiting periods or
Platinum Focus: You are covered for Prescribed Minimum Benefits (PMB) as well            exclusions.
as non-PMB conditions.                                                                 • The Oncology Benefit covers supportive treatment for 12 months after the
Gold Focus: You are covered for Prescribed Minimum Benefits (PMB) conditions.            completion of active treatment.
                                                                                       • Cover for an extended list of day procedures.
                                                                                       • Recognition of previous cover for ex-pats and immigrants.




                                                                                                                                                                             8
Is this you?
Plus Range
You are working hard to provide for your young family, and reaping the
rewards. You recently moved to your own home; decorating the baby room
is first on the to-do list. The new family car has more than enough room for
your soon-to-be family of four.

Alternatively, you may love your single life and prefer to devote your time
to your career and special group of friends. You enjoy your fast-paced life
. . . as long as you remember to take your daily nutritional supplements to
help maintain your energy levels.




                                                                               10
                                                                                       Differences between Platinum Plus and Gold Plus
Plus Range
A wide range of healthcare services, including hospital                                             Platinum Plus                               Gold Plus

benefits, at cost-efficient prices.                                                     Major Medical Benefit:                     Major Medical Benefit:
                                                                                        • Up to 300% of LMS Tariff.                • Up to 120% of LMS Tariff.

Platinum Plus and Gold Plus                                                             Chronic Benefit:                           Chronic Benefit:
                                                                                        • Prescribed Minimum Benefits (PMB)        • Prescribed Minimum Benefits (PMB)
Liberty Medical Scheme’s Plus option is the cost-effective way to cover                   conditions                                 conditions
                                                                                        • Non-PMB conditions                       • N/A
major medical expenses, with the added flexibility of a modest medical
savings account for day-to-day expenses. Choose between Gold Plus or                    Medical Savings Facility                   Medical Savings Facility
the more comprehensive Platinum Plus.                                                   • Principal member            R1 338       • Principal member            R1 690
                                                                                        • Spouse or adult child       R1 203       • Spouse or adult child       R1 384
Benefit Highlights                                                                      • Child dependant              R432        • Child dependant              R620
                                                                                        • Reimbursement from MSF: 100% of cost     • Reimbursement from MSF: 100% of cost
The most costly services for which you need to be covered are treatments in hospital
and the management of chronic illnesses. However, taking preventative measures can
                                                                                        Monthly Contributions                      Monthly Contributions
help to keep you healthy.
                                                                                        • Principal member            R1 115       • Principal member             R939
                                                                                        • Spouse or adult child       R1 003       • Spouse or adult child        R769
Major Medical Benefit
                                                                                        • Child dependant              R360        • Child dependant              R344
Platinum Plus: Up to 300% of LMS Tariff.
Gold Plus: Up to 120% of LMS Tariff.                                                   Please see pg 19 for complete 2008 Benefits Schedule.
Chronic Benefit                                                                         expenses are refunded at cost from this benefit. Funds you do not use during the
If you have a chronic condition and take medicine on a daily basis, the cost of this    year are carried over to the following year. Upfront credit is granted on the
treatment will be paid for. No co-payment is applicable provided you obtain the         monthly savings portion of your contribution so that a lump sum is available to
formulary medicine, which is usually a generic substitute.                              use immediately. (Please see adjacent table for benefit differences between Platinum
                                                                                        Plus and Gold Plus.)
Platinum Plus: You are covered for Prescribed Minimum Benefits (PMB) as well as
non-PMB conditions.                                                                     Unique Benefits
Gold Plus: You are covered for Prescribed Minimum Benefits (PMB) conditions.            These special benefits take care of your physical and emotional wellbeing:
                                                                                        • Cover for extreme and professional sports.
Preventative Care Benefit                                                               • Rehabilitation and counselling treatment following a crime trauma.
You and your family have access to health programmes, certain tests and                 • Treatment for HIV/AIDS through Aid for AIDS, an exceptional programme hailed
                                                                                          as the industry benchmark.
immunisations. It carefully monitors your health to help prevent possible future
                                                                                        • Generous cover for diagnostic scans, such as MRI and CAT scans.
illnesses. It also leads to the early detection and treatment of medical conditions
                                                                                        • Accidental trauma cover from day one, irrespective of waiting periods or
and helps to prevent the progression of chronic illnesses.
                                                                                          exclusions.
                                                                                        • The Oncology Benefit covers supportive treatment for 12 months after the
Day-to-day Benefit
                                                                                          completion of active treatment.
Your routine medical treatments are usually less expensive than going to hospital
                                                                                        • Cover for an extended list of day procedures.
and generally more manageable. For that reason, medical treatments such as visits
                                                                                        • Recognition of previous cover for ex-pats and immigrants.
to your GP or specialist, medicine for colds and flu, x-rays, blood tests and contact
lenses, are either self-funded or paid for from your day-to-day benefits.               Liberty Baby
                                                                                        Our Liberty Baby maternity programme will provide you with valuable benefits to
Medical Savings Facility                                                                support the birth of your child. Besides the fantastic wellness and risk management
This benefit functions as a separate medical savings account in which funds are         benefits, members also receive free gifts, discounts, invitations to special events and
held for you and your dependants’ exclusive use. Claims for routine medical             access to the Liberty Baby contact centre.




                                                                                                                                                                                  12
Is this you?
Complete Range
You are relishing the joys of family life: expecting another welcome addition
to your family, teaching your five-year old how to ride a bike, appreciating
your teenager’s unique dress sense, looking forward to a relaxed seaside
holiday.

Or perhaps you are happily retired, enjoying a comfortable life in an up-
market retirement village. You take the occasional bout of ill health in your
stride and never forget your blood pressure medication. Next spring, you
are celebrating your wedding anniversary with a visit to the flower fields
of Namakwaland.




                                                                                14
                                                                                             Differences between Platinum Complete and Gold Complete
Complete Range
Fully-inclusive health insurance with a robust mix of in-                                                  Platinum Complete                                         Gold Complete

and out-of hospital benefits                                                                  Major Medical Benefit:                                      Major Medical Benefit:
                                                                                              • Up to 300% of LMS Tariff.                                 • Up to 120% of LMS Tariff.

Platinum Complete and Gold Complete                                                           Chronic Benefit:                                            Chronic Benefit:
                                                                                              • Prescribed Minimum Benefits (PMB)                         • Prescribed Minimum Benefits (PMB)
                                                                                                conditions                                                  conditions
Liberty Medical Scheme’s Complete range is the best way to take care                          • Non-PMB conditions                                        • N/A

of your health and medical expenses with its full range of in- and out-                       Medical Savings Facility                                    Medical Savings Facility
of-hospital benefits. You can choose between Platinum Complete and                            • Principal member       R3 394                             • Principal member       R3 026
                                                                                              • Spouse or adult child  R2 521                             • Spouse or adult child  R2 182
Gold Complete membership, with the former option providing the most                           • Child dependant         R973                              • Child dependant         R874
                                                                                              • Reimbursement from MSF: 100% of cost                      • Reimbursement from MSF: 100% of cost
comprehensive cover. Except where otherwise indicated, the benefits
below apply to both options.                                                                  Threshold Benefit                                           Threshold Benefit
                                                                                              • Principal member       R5 150                             • Principal member       R3 985
                                                                                              • Spouse or adult child  R3 830                             • Spouse or adult child  R2 870
Benefit Highlights
                                                                                              • Child dependant        R1 485                             • Child dependant        R1 150
The most costly services for which you need to be covered are treatments in hospital          • Accumulation to Threshold Level:                          • Accumulation to Threshold Level: 100%
and the management of chronic illnesses. However, taking preventative measures can               100% of LMS Rate                                            of LMS Rate
help to keep you healthy.                                                                     • Reimbursement from Threshold Benefit:                     • Reimbursement from Threshold Benefit:
                                                                                                 100% of LMS Rate                                            80% of LMS Rate
Major Medical Benefit
                                                                                              Monthly Contributions                                       Monthly Contributions
Platinum Complete: Up to 300% of LMS Tariff.                                                  • Principal member                    R1 886                • Principal member            R1 681
Gold Complete: Up to 120% of LMS Tariff.                                                      • Spouse or adult child               R1 400 *              • Spouse or adult child       R1 212
                                                                                              • Child dependant                      R541                 • Child dependant              R485
Chronic Benefit                                                                               *   Full-time students <25 years of age qualify for child
If you have a chronic condition and take medicine on a daily basis, the cost of this              dependant rates

treatment will be paid for. No co-payment is applicable provided you obtain the
                                                                                             Please see pg 19 for complete 2008 Benefits Schedule.
formulary medicine, which is usually a generic substitute.

Platinum Complete: You are covered for Prescribed Minimum Benefits (PMB) as well as
non-PMB conditions.
Gold Complete: You are covered for Prescribed Minimum Benefits (PMB) conditions.

Preventative Care Benefit
You and your family have access to health programmes, certain tests and immunisations.
It carefully monitors your health to help prevent possible future illnesses. It also leads
to the early detection and treatment of medical conditions and helps to prevent the
progression of chronic illnesses.
Day-to-day Benefit                                                                      Unique Benefits
Your routine medical treatments are usually less expensive than going to hospital       These special benefits take care of your physical and emotional wellbeing:
and generally more manageable. For that reason, medical treatments such as visits       • Cover for extreme and professional sports.
to your GP or specialist, medicine for colds and flu, x-rays, blood tests and contact   • Rehabilitation and counselling treatment following a crime trauma.
lenses, are either self-funded or paid for from your day-to-day benefits.               • Treatment for HIV/AIDS through Aid for AIDS, an exceptional programme hailed
                                                                                          as the industry benchmark.
Medical Savings Facility                                                                • Generous cover for diagnostic scans, such as MRI and CAT scans.
This benefit functions as a separate medical savings account in which funds are held    • Accidental trauma cover from day one, irrespective of waiting periods or exclusions.
for you and your dependants’ exclusive use. Claims for routine medical expenses         • The Oncology Benefit covers supportive treatment for 12 months after the
are refunded at cost from this benefit. Funds you do not use during the year are          completion of active treatment.
carried over to the following year. Upfront credit is granted on the monthly savings    • Cover for an extended list of day procedures.
portion of your contribution so that a lump sum is available to use immediately.        • Recognition of previous cover for ex-pats and immigrants.
(Please see adjacent table for benefit differences between Platinum Complete and
Gold Complete.)                                                                         Liberty Baby
                                                                                        Our Liberty Baby maternity programme will provide you with valuable benefits to
Threshold Benefit                                                                       support the birth of your child. Besides the fantastic wellness and risk management
This benefit works as a safety net by paying for your routine medical treatments        benefits, members also receive free gifts, discounts, invitations to special events and
once it reaches a predetermined Threshold Level. As claims accumulate to the            access to the Liberty Baby contact centre.
Threshold Level at the LMS tariff, your self-payment gap will grow by claiming at a
higher rate. Certain benefit limits, which accumulate before and after accessing the
Threshold Benefit, apply. (Please see adjacent table for benefit differences between
Platinum Complete and Gold Complete.)




                                                                                                                                                                                  16
Healthy Living
A unique set of benefits – available free of charge to all Liberty Medical Scheme members –
to help you live a happy, healthy life!*
Lifestyle assessment                                                                      Nutrition and diet
The lifestyle management programme helps you target the key lifestyle factors that        Good nutrition and eating habits are vital to maintaining health. With Liberty Medical
put your health at risk, namely stress, obesity, smoking, poor diet and lack of regular   Scheme you have access to e-Dietician, an online consultation service with a qualified
exercise. If initial screening indicates that your health is at risk, you will visit a    dietician. The website also includes a library of nutrition articles that will help you
biokineticist and undergo a full physical exam. After the assessment you will receive     become more health wise.
a personal report describing your health status, with special focus on the action you
must take to decrease your risk factors.
                                                                                          Managing your health
                                                                                          We believe that the most effective way to manage a chronic illness is through proactive
Stress management and mental fitness
A registered nurse, who has specialised in psychiatry, will assess your needs and refer   treatment – identifying ways to improve your treatment today so that you can avoid
you, where necessary, to the appropriate service providers. Once on the programme,        serious illness later. If you suffer from asthma, diabetes, coronary artery disease or
you will receive a regular phone call from us to evaluate your progress in managing       HIV/AIDS, our programmes will help you increase control of your condition, prevent
stress levels. A variety of articles on depression, anxiety, stress management and life   illness progression and improve health. New for 2008 are cardiac and back rehabilitation
skills is also available.                                                                 programmes on Gold and Platinum options.

                                                                                          * Please note that the Silver Corporate Network option provides all benefits within the framework of the Primecure
                                                                                            network in accordance with a separate benefit schedule available on request.
                                                                                                              Liberty Medical Scheme option summary


                           ENTRY-LEVEL RANGE                                                                                   FOCUS RANGE                                                              PLUS RANGE                                                           COMPLETE RANGE
                                                                                                                                                                                                                                                                                                           Medical Savings Facility
                                                                                       Day-to-day                                                                                                                                                                                                          Self-payment gap if claims
                                                                                                                                                                                                                                                                                                                 exceed savings
                                                                  Preventative




                                                                                                                                         Preventative




                                                                                                                                                                                                                 Preventative




                                                                                                                                                                                                                                                                                            Preventative
                   Major                                                          (Silver Corp. Network)         Major                                                                  Major                                                                      Major
                                                        Chronic




                                                                                                                               Chronic




                                                                                                                                                                                                       Chronic




                                                                                                                                                                                                                                                                                  Chronic
                   medical                                                                                       medical                                                                medical                                 Medical Savings Facility           medical                                  Threshold
                                                                      Care




                                                                                                                                             Care




                                                                                                                                                                                                                     Care




                                                                                                                                                                                                                                                                                                Care
                   (generally                                                                                    (generally                                  Self Payment               (generally                              Individual account where           (generally                                 cover
                                                                                                                                                                                                                                 unused funds rollover to                                                                       20%
                  in-hospital)                                                                                  in-hospital)                                 (No day-to-day            in-hospital)                                                               in-hospital)                                                 co-pay
                                                                                                                                                                                                                                      following year                                                       Pays day-to-day
                                                                                      Self Payment                                                              benefit)                                                                                                                                    once specific        on
                                                                                                                                                                                                                                                                                                             threshold is      GOLD
                                                                                       (Silver Focus)
                                                                                                                                                                                                                                                                                                               reached
                More expensive and generally                                        Less expensive and        More expensive and generally                 Less expensive and        More expensive and generally                  Less expensive and           More expensive and generally                   Less expensive and
                 unforeseeable items with                                             generally more           unforeseeable items with                      generally more           unforeseeable items with                       generally more              unforeseeable items with                        generally more
                        chronic and                                                    manageable                     chronic and                             manageable                     chronic and                              manageable                        chronic and                               manageable
                     preventative care                                               day-to-day items              preventative care                        day-to-day items              preventative care                         day-to-day items                 preventative care                          day-to-day items




                                                                                         SILVER                     PLATINUM                                     GOLD                      PLATINUM                                       GOLD                        PLATINUM                                     GOLD
                                                                                         FOCUS                        FOCUS                                      FOCUS                       PLUS                                         PLUS                        COMPLETE                                   COMPLETE
In-Hospital                                                                      - Claims covered up to       - Claims covered up to                    - Claims covered up to       - Claims covered up to                     - Claims covered up to          - Claims covered up to                     - Claims covered up to
Benefits                                                                           100% LMS rate                300% LMS rate                             120% LMS rate                300% LMS rate                              120% LMS rate                   300% LMS rate                              120% LMS rate
                                                                                 - Subject to annual limit    - Unlimited overall                       - Unlimited overall          - Unlimited overall                        - Unlimited overall             - Unlimited overall                        - Unlimited overall
                             SILVER CORPORATE NETWORK




                                                                                 - Sub-limits apply to some   - Sub-limits apply to some                - Sub-limits apply to some   - Sub-limits apply to some                 - Sub-limits apply to some      - Sub-limits apply to some                 - Sub-limits apply to some
                                                                                   benefits                     benefits                                  benefits                     benefits                                   benefits                        benefits                                   benefits
                                                                                 - Any hospital               - Any hospital                            - Any hospital               - Any hospital                             - Any hospital                  - Any hospital                             - Any hospital

                                                                                 - 33 Prescribed Medicine     - 66 conditions covered                   - 33 PMB's covered           - 66 conditions covered                    - 33 PMB's covered              - 66 conditions covered                    - 33 PMB's covered
Chronic                                                                            Benefits covered           - Subject to comprehensive                - Subject to restricted      - Subject to comprehensive                 - Subject to restricted         - Subject to comprehensive                 - Subject to restricted
Benefits                                                                         - Subject to restricted        formulary                                 cover formulary              formulary                                  cover formulary                 formulary                                  cover formulary
                                                                                   formulary                  - Family limits and sub-                  - Unlimited                  - Family limits and sub-                   - Unlimited                     - Family limits and sub-                   - Unlimited
                                                                                 - Unlimited through            limits per beneficiary                  - Any provider                 limits per beneficiary                   - Any provider                    limits per beneficiary                   - Any provider
                                                                                   Pharmacy Direct            _ PMB's unlimited                                                      - PMB's unlimited                                                          - PMB's unlimited
                                                                                                              - Any provider                                                         - Any provider                                                             - Any provider


Additional
                                                                                     Preventative Care – Pap smear, cholesterol test, blood glucose, immunisations for children under 7, flu vaccination, TB test, HIV test. Covered at 100% cost up to LMS rate
Major Medical
                                                                                                                               Crime-trauma benefit                                                   Crime-trauma benefit                                                       Crime-trauma benefit
Benefits                                                                         Crime-trauma benefit                             Casualty benefit                                                       Casualty benefit                                                           Casualty benefit

Day-to-day                                                                       - Self-funded                - Self-funded                             - Self-funded                - Claims paid from savings,                - Claims paid from savings,     - Funded from savings until                - Funded from savings until
items                                                                                                                                                                                  subject to the availability                subject to the availability     threshold level is reached,                threshold level is reached,
                                                                                                                                                                                       of funds                                   of funds                        then paid from Threshold                   then paid from Threshold
                                                                                                                                                                                                                                                                  Benefit                                    benefit with a 20% co-
                                                                                                                                                                                                                                                                - Claims accumulate at LMS                   payment
                                                                                                                                                                                                                                                                  rate                                     - Claims accumulate at LMS
                                                                                                                                                                                                                                                                                                             rate




                                                                                                                                                                                                                                                                                                                                           18
                                                                                                    2008 Benefits Schedule
                                                                                                    Major Medical Benefit
 Benefit                               Entry-Level Options                                     Focus Options                                       Plus Options                                  Complete Options
                           Silver Corp. Network          Silver Focus            Platinum Focus           Gold Focus               Platinum Plus            Gold Plus                Platinum Complete        Gold Complete
 Overall annual limit  All benefits in the Silver        Unlimited for PMS’s     Unlimited                Unlimited                Unlimited                Unlimited                Unlimited                Unlimited
                       Corporate Network                 Private hospitals:
                       option are provided               R150 000 per
                       within the framework              beneficiary
                       of the national                   R250 000 per family
                       Primecure network.
 International travel  A separate, detailed              No benefit              R10 million per          R2.5 million per         R10 million per          R2.5 million per         R10 million per          R2.5 million per
 cover*                benefit guide and                                         beneficiary per trip     beneficiary per trip     beneficiary per trip     beneficiary per trip     beneficiary per trip     beneficiary per trip
                       schedule are available                                    through Netcare 911      through Netcare 911      through Netcare 911      through Netcare 911      through Netcare 911      through Netcare 911
                       and are usually                                           (90 days per trip/180    (90 days per trip/180    (90 days per trip/180    (90 days per trip/180    (90 days per trip/180    (90 days per trip/180
                       provided in                                               days cumulative)         days cumulative)         days cumulative)         days cumulative)         days cumulative)         days cumulative)
                       consultation with a
 Local medical rescue* Liberty Health product            Unlimited (Netcare 911) Unlimited (Netcare 911) Unlimited (Netcare 911) Unlimited (Netcare 911) Unlimited (Netcare 911) Unlimited (Netcare 911) Unlimited (Netcare 911)
                       specialist who will assist
 Casualty benefit*     with salary-banding               No benefit              100% LMS Rate            100% LMS Rate            100% LMS Rate            100% LMS Rate            100% LMS Rate            100% LMS Rate
                       requirements within                                       R1 000 per beneficiary   R1 000 per beneficiary   R1 000 per beneficiary   R1 000 per beneficiary   R1 000 per beneficiary   R1 000 per beneficiary
                       a corporate                                               Unlimited for physical   Unlimited for physical   Unlimited for physical   Unlimited for physical   Unlimited for physical   Unlimited for physical
                       environment.                                              injury                   injury                   injury                   injury                   injury                   injury
 Day procedures*                                         100% LMS Rate           300% LMS Rate            120% LMS Rate            300% LMS Rate            120% LMS Rate            300% LMS Rate            120% LMS Rate
 - Diagnostic                                            R7 400 per family       Unlimited                Unlimited                Unlimited                Unlimited                Unlimited                Unlimited
   cystoscopy
 - Laser tonsillectomy
 - Lumbar puncture
 - Needle aspiration of
   joint, bursa or
   ganglion
 - Proctoscopy
 - Sigmoidoscopy
 - Upper GI endoscopy
 - Vasectomy

 Deductibles                                             Not applicable                                                                                                              Not applicable           Not applicable
 - Cataract surgery                                                              R1 050 per event         R1 050 per event         R1 050 per event         R1 050 per event
 - Colonoscopy,
   sigmoidoscopy
   proctoscopy
 - Conservative back
   treatment
 - Extraction of
   wisdom teeth
   (in hospital)
 - Gastroscopy

 - Arthroscopy                                                                   R2 550 per event         R2 550 per event         R2 550 per event         R2 550 per event
 - Functional nasal
   procedures
 - Hysterectomy
   (non-cancer related)
 - Laparoscopy,
   hysteroscopy,
   endometrial
   ablation

 - Joint replacements                                                            R5 100 per event         R5 100 per event         R5 100 per event         R5 100 per event
 - Nissen
   fundoplication
   (reflux surgery)
 - Spinal surgery
* Subject to pre-authorisation and/or case management.
                                                                                                   Preventative Care Benefits
Benefit                                 Entry-Level Options                                     Focus Options                                       Plus Options                                  Complete Options
                            Silver Corp. Network         Silver Focus             Platinum Focus           Gold Focus               Platinum Plus            Gold Plus                Platinum Complete        Gold Complete
Pap smear                   All benefits in the Silver   1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary
                            Corporate Network
Cholesterol and             option are provided          1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary
lipogram
                            within the framework
Blood Glucose               of the national              1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary
                            Primecure network.
Childhood                   A separate, detailed         1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary
immunisations               benefit guide and
                            schedule are available
Flu vaccination             and are usually              1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary
TB Test                     provided in                  1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary
                            consultation with a
HIV Test                    Liberty Health product       1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary
                            specialist who will assist
Prostate Test               with salary-banding          Not applicable           men >50 every 2 years    men >50 every 2 years    men >50 every 2 years    men >50 every 2 years    men >50 every 2 years    men >50 every 2 years
                            requirements within
Bone Density Test           a corporate                  Not applicable           women >50 every 3 years women >50 every 3 years women >50 every 3 years women >50 every 3 years women >50 every 3 years women >50 every 3 years
HIV/Aids Prevention         environment.
                                                         100% MPL                 100% MPL                 100% MPL                 100% MPL                 100% MPL                 100% MPL                 100% MPL
Needle stick and                                         R3 400 per beneficiary   R8 900 per beneficiary   R6 700 per beneficiary   R8 900 per beneficiary   R6 700 per beneficiary   R8 900 per beneficiary   R6 700 per beneficiary
mother-to-child                                          then unlimited through   then unlimited through   then unlimited through   then unlimited through   then unlimited through   then unlimited through   then unlimited through
transmission                                             State                    State                    State                    State                    State                    State                    State




                                                                                                           table
Rehabilitation and                                       100% MPL                 100% MPL                 100% MPL                 100% MPL                 100% MPL                 100% MPL                 100% MPL
Private Nursing                                          R3 800 per family        R14 500 per family       R11 000 per family       R15 600 per family       R11 000 per family       R15 600 per family       R11 700 per family
Crime Trauma Benefit
HIV - Prophylaxis (Rape)                                 R2 600 per beneficiary R9 600 per beneficiary R8 300 per beneficiary R10 300 per beneficiary R8 300 per beneficiary R10 300 per beneficiary R8 600 per beneficiary
Rehabilitation                                           100% LMS Rate            300% LMS Rate            120% LMS Rate            300% LMS Rate            120% LMS Rate            300% LMS Rate            120% LMS Rate
                                                         R2 700 per family        R19 300 per family       R15 600 per family       R20 400 per family       R15 600 per family       R20 400 per family       R17 300 per family
Psychologists,                                           100% LMS Rate          120% LMS Rate          120% LMS Rate          300% LMS Rate          120% LMS Rate          300% LMS Rate          120% LMS Rate
Psychiatrists and                                        R1 150 per beneficiary R2 800 per beneficiary R2 200 per beneficiary R2 800 per beneficiary R2 200 per beneficiary R2 800 per beneficiary R2 200 per beneficiary
Social Workers

Liberty Baby                                             Not applicable           Not applicable           Not applicable           Yes                      Yes                      Yes                      Yes
maternity programme
Telephonic advice and
support
Education and gift pack

Disease management                                       Yes                      Yes                      Yes                      Yes                      Yes                      Yes                      Yes
programme
Asthma, Backache,
Cancer, Diabetes,
HIV/AIDS

Health Advice                                            Unlimited                Unlimited                Unlimited                Unlimited                Unlimited                Unlimited                Unlimited
Telephonic, e-Library,
e-Dietician

Lifestyle risk                                           Yes                      Yes                      Yes                      Yes                      Yes                      Yes                      Yes
identification,
benchmarking and
intervention
If at risk, full physical                                1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary        1 per beneficiary
check-up by
Biokineticist

Smoking cessation                                        Yes                      Yes                      Yes                      Yes                      Yes                      Yes                      Yes
support programme

                                                                                                                                                                                                                                        20
                                                                                                       In-hospital Benefits
 Benefit                               Entry-Level Options                                      Focus Options                                     Plus Options                                Complete Options
                           Silver Corp. Network          Silver Focus            Platinum Focus          Gold Focus               Platinum Plus          Gold Plus               Platinum Complete       Gold Complete
 Blood transfusions,       All benefits in the Silver    100% LMS Rate           100% LMS Rate           100% LMS Rate            100% LMS Rate          100% LMS Rate           100% LMS Rate           100% LMS Rate
 blood products &          Corporate Network             R61 500 per beneficiary Unlimited               R163 200 per             Unlimited              R163 200 per            Unlimited               R218 300 per
 blood substitutes         option are provided                                                           beneficiary                                     beneficiary                                     beneficiary
                           within the framework
 Dialysis*                 of the national               100% LMS Rate           300% LMS Rate &         120% LMS Rate &          300% LMS Rate &        120% LMS Rate &         300% LMS Rate &         120% LMS Rate &
                           Primecure network.                                    100% MPL                100% MPL                 100% MPL               100% MPL                100% MPL                100% MPL
                           A separate, detailed
 Haemodialysis and         benefit guide and             Subject to PMB          R191 700 per            R89 400 per              Unlimited              R159 700 per            Unlimited               Unlimited
 Peritoneal                schedule are available        treatment protocols     beneficiary             beneficiary                                     beneficiary
                           and are usually
                           provided in
 Hospice Services          consultation with a           No benefit              100% LMS Rate           100% LMS Rate          100% LMS Rate           100% LMS Rate          100% LMS Rate           100% LMS Rate
 (accommodation,           Liberty Health product                                R10 100 per beneficiary R6 800 per beneficiary R10 500 per beneficiary R6 800 per beneficiary R10 500 per beneficiary R7 200 per beneficiary
 medicine,                 specialist who will assist
 consultations)            with salary-banding
                           requirements within
 Hospitalisation*          a corporate                   100% of negotiated       100% of negotiated     100% of negotiated       100% of negotiated     100% of negotiated      100% of negotiated      100% of negotiated
 (including childbirth)    environment.                  tariff                   tariff                 tariff                   tariff                 tariff                  tariff                  tariff
                                                         Subject to overall limit Unlimited              Unlimited                Unlimited              Unlimited               Unlimited               Unlimited
 Take out medication                                     100% LMS Rate          100% LMS Rate            100% LMS Rate            100% LMS Rate          100% LMS Rate            100% LMS Rate          100% LMS Rate
                                                         Limited to a lesser of Limited to a lesser of   Limited to lesser a of   Limited to 7 days’     Limited to a lesser of   Limited to 7 days’     Limited to a lesser of
                                                         7 days’ supply or R320 7 days’ supply or R1 170 7 days’ supply or R1 170 supply                 7 days’ supply or R1 170 supply                 7 days’ supply or R1 170
 General                                                 100% LMS Rate            300% LMS Rate          120% LMS Rate            300% LMS Rate          120% LMS Rate           300% LMS Rate           120% LMS Rate
 Practitioners &                                         Subject to overall limit Unlimited              Unlimited                Unlimited              Unlimited               Unlimited               Unlimited
 Specialists
 (in hospital)

 Physiotherapy,                                          100% LMS Rate            100% LMS Rate          100% LMS Rate            100% LMS Rate          100% LMS Rate           100% LMS Rate           100% LMS Rate
 Pathology, Clinical                                     Subject to overall limit Unlimited              Unlimited                Unlimited              Unlimited               Unlimited               Unlimited
 Technologist,
 Occupational
 Therapy*


 Radiology*                                              100% LMS Rate           100% LMS Rate           100% LMS Rate            100% LMS Rate          100% LMS Rate           100% LMS Rate           100% LMS Rate
 General                                                 R8 200 per family       Unlimited               Unlimited                Unlimited              Unlimited               Unlimited               Unlimited
                                                         (No MRI)
 Special                                                 (Combined limit)        R23 500 per family      R15 800 per family       R24 600 per family     R15 800 per family      R24 600 per family      R17 000 per family
 Dentistry                                               100% LMS Rate           300% LMS Rate           120% LMS Rate            300% LMS Rate          120% LMS Rate           300% LMS Rate           120% LMS Rate
 Elective                                                No benefit              R7 500 per beneficiary R5 900 per beneficiary R8 000 per beneficiary R5 900 per beneficiary R8 000 per beneficiary R6 300 per beneficiary
                                                                                 R10 700 per family     R9 000 per family      R11 300 per family     R9 000 per family      R11 300 per family     R9 400 per family
 Trauma                                                  Subject to overall limit Unlimited              Unlimited                Unlimited              Unlimited               Unlimited               Unlimited
 Psychiatric                                             100% LMS Rate           300% LMS Rate           120% LMS Rate            300% LMS Rate          120% LMS Rate           300% LMS Rate           120% LMS Rate
 admissions*                                             R3 600 per family       R13 700 per family      R10 500 per family       R14 700 per family     R10 500 per family      R14 700 per family      R2 000 per family
 Oncology*                                               100% LMS Rate           100% LMS Rate           100% LMS Rate            100% LMS Rate          100% LMS Rate           100% LMS Rate           100% LMS Rate
                                                         Subject to PMB          Unlimited               R118 000 per             Unlimited              R191 000 per            Unlimited               R266 000 per
                                                         treatment protocols                             beneficiary                                     beneficiary                                     beneficiary
                                                         (through State)
 Associated diagnostics                                                          R29 300 per beneficiary R11 800 per beneficiary R31 300 per beneficiary R19 100 per beneficiary R31 300 per beneficiary R26 600 per beneficiary
 PET Scans                                               No benefit              1 per beneficiary       1 per beneficiary        1 per beneficiary      1 per beneficiary       1 per beneficiary       1 per beneficiary
* Subject to pre-authorisation and/or case management.
                                                                                            In-hospital Benefits (continued)
 Benefit                                Entry-Level Options                                    Focus Options                                         Plus Options                                  Complete Options
                            Silver Corp. Network         Silver Focus          Platinum Focus           Gold Focus                Platinum Plus            Gold Plus                 Platinum Complete        Gold Complete
 Oncology                   All benefits in the Silver   No benefit            R120 000                 R120 000                  R120 000                 R120 000                  R120 000                 R120 000
 Biologicals                Corporate Network                                  per family               per family                per family               per family                per family               per family
                            option are provided
 Prosthesis                 within the framework         100% LMS Rate         100% LMS Rate            100% LMS Rate             100% LMS Rate            100% LMS Rate             100% LMS Rate            100% LMS Rate
 (internal surgical         of the national              Subject to PMB        Unlimited                R88 200 per beneficiary   Unlimited                R88 200 per beneficiary   Unlimited                R124 000 per
 appliances)                Primecure network.           treatment protocols   Sub-limits apply per     Sub-limits apply per      Sub-limits apply per     Sub-limits apply per      Sub-limits apply per     beneficiary
                            A separate, detailed         (through State)       prosthetic type          prosthetic type           prosthetic type          prosthetic type           prosthetic type          Sub-limits apply per
                            benefit guide and                                                                                                                                                                 prosthetic type
                            schedule are available
 Organ transplants*         and are usually              100% LMS Rate         300% LMS Rate            120% LMS Rate             300% LMS Rate            120% LMS Rate             300% LMS Rate            120% LMS Rate
                            provided in                  Subject to PMB        Unlimited                Unlimited                 Unlimited                Unlimited                 Unlimited                Unlimited
                            consultation with a          treatment protocols
                            Liberty Health product       (through State)
                            specialist who will assist
                            with salary-banding
                            requirements within                                                     Chronic Illness Benefits
                            a corporate
 Chronic Medication*        environment.                 100% of Negotiated    100% of Negotiated       100% of Negotiated        100% of Negotiated       100% of Negotiated        100% of Negotiated       100% of Negotiated
                                                         Tariff                Tariff                   Tariff                    Tariff                   Tariff                    Tariff                   Tariff

                                                         Unlimited for PMB     M      :   R6 400        Unlimited for PMB         M    :   R6 900          Unlimited for PMB         M      :   R8 600        Unlimited for PMB
                                                         conditions through    M +1   :   R8 300        conditions through        M +1 :   R8 500          conditions through        M +1   :   R10 600       conditions through




                                                                                                        table
                                                         Pharmacy Direct       M+2    :   R10 600       provider of choice        M+2:     R11 100         provider of choice        M+2    :   R12 600       provider of choice
                                                                               M+3    :   R12 300                                 M+3:     R12 700                                   M+3    :   R14 600

                                                                               Sub-limit of                                       Sub-limit of                                       Sub-limit of
                                                                               R6 400 per beneficiary                             R6 900 per beneficiary                             R8 600 per beneficiary

                                                                               PMB conditions are                                 PMB conditions are                                 PMB conditions are
                                                                               payable above the                                  payable above the                                  payable above the
                                                                               limits                                             limits                                             limits

 HIV Chronic*                                            100% MPL              100% MPL                 100% MPL                  100% MPL                 100% MPL                  100% MPL                 100% MPL
                                                         Subject to PMB        Subject to PMB           Subject to PMB            Subject to PMB           Subject to PMB            Subject to PMB           Subject to PMB
                                                         protocols             protocols                protocols                 protocols                protocols                 protocols                protocols


 Chronic conditions          -   Addison’s Disease                              -   Crohn’s Disease                                -   Hypercholesterolaemia                          -   Parkinson’s Disease
                             -   Alzheimer’s Disease                            -   Cushing Disease                                -   Hyperlipidaemia                                -   Pemphigus
                             -   Angina                                         -   Deep Vein Thrombosis                           -   Hypertension                                   -   Peripheral Vascular Disease
                             -   Ankylosing Spondylitis                         -   Delusional Disorders                           -   Hypoparathyroidism                             -   Thromboangitis Obliterans
                             -   Anorexia Nervosa                               -   Depression                                     -   Hypothyroidism                                 -   Pituitary Adenomas
                             -   Asthma                                         -   Dermatomyositis                                -   Ischaemic Heart Disease                        -   Polyarteritis Nodosa
                             -   Bipolar Mood Disorder                          -   Diabetes Insipidus                             -   Motor Neuron Disease                           -   Post Traumatic Stress Disorder
                             -   Bronchiectasis                                 -   Diabetes Mellitus (Type 1 and Type 2)          -   Multiple Sclerosis                             -   Pulmonary Interstitial fibrosis
                             -   Bulimia Nervosa                                -   Discoid Lupus Erythematosis                    -   Muscular Dystrophy                             -   Rheumatoid Arthritis
                             -   Cardiac Arrythmias                             -   Dysrythmias                                    -   Myasthenia Gravis                              -   Schizophrenia
                             -   Cardiac Failure                                -   Emphysema                                      -   Narcolepsy                                     -   Systemic Lupus Erythematosis
                             -   Cardiomyopathy                                 -   Epilepsy                                       -   Obsessive Compulsive Disorder                  -   Systemic Sclerosis
                             -   Cerebrovascular Accident - Stroke              -   Generalised Anxiety Disorder                   -   Obstructive/Reflux Nephropathy                 -   Thrombocytopaenic Purpura
                             -   Chronic Obstructive Airways Disease            -   Glaucoma                                       -   Pagets Disease                                 -   Tourette's Syndrome
                             -   Chronic Renal Failure                          -   Haemophilia                                    -   Pancreatic Disease                             -   Ulcerative Colitis
 Conditions depicted in      -   Conn's Syndrome                                -   HIV/AIDS                                       -   Panic Disorder                                 -   Valvular Heart Disease
 blue type are covered on
 Platinum options only.      -   Coronary Artery Disease                        -   Huntington's Disease                           -   Paraplegia/Quadriplegia                        -   Zollinger-Ellison Syndrome

* Subject to pre-authorisation and/or case management.
                                                                                                                                                                                                                                     22
                                                                                     Day-to-day Benefits
Benefit                             Entry-Level Options                         Focus Options                         Plus Options                              Complete Options
                        Silver Corp. Network         Silver Focus   Platinum Focus     Gold Focus     Platinum Plus          Gold Plus              Platinum Complete      Gold Complete
Threshold Level         All benefits in the Silver                                                                                                  Member : R5 150        Member : R3 985
                        Corporate Network                                                                                                           Adult : R3 830         Adult : R2 870
                        option are provided                                                                                                         Child   : R1 485       Child   : R1 150
Accumulation to         within the framework                                                                                                        100% of LMS Rate       100% of LMS Rate
Threshold Level         of the national
Reimbursement from      Primecure network.                                                                                                          100% of LMS Rate       80% of LMS Rate
Threshold Benefit       A separate, detailed
                        benefit guide and
Medical Savings         schedule are available                                                        Member : R1 338        Member : R1 690        Member : R3 394        Member : R3 026
Facility                and are usually                                                               Adult : R1 203         Adult : R1 384         Adult : R2 521         Adult : R2 182
                        provided in                                                                   Child  : R0 432        Child  : R0 620        Child  : R0 973        Child  : R0 874
                        consultation with a
Reimbursement           Liberty Health product                                                        100% of Cost           100% of Cost           100% of Cost           100% of Cost
from MSF                specialist who will assist
                        with salary-banding
Day-to-day Benefit      requirements within
                        a corporate
                        environment.
General Practitioners                                                                                 Subject to available   Subject to available   Unlimited              R2 700 per beneficiary
                                                                                                      savings                savings                                       R4 400 per family




                                                                                      table
Specialists                                                                                           Subject to available   Subject to available   Unlimited              15 visits per family
                                                                                                      savings                savings
Basic Dentistry                                                                                       Subject to available   Subject to available   Unlimited              R6 400 per beneficiary
                                                                                                      savings                savings                                       R9 800 per family
Specialised Dentistry                                                                                 Subject to available   Subject to available   R6 800 per beneficiary R10 000 per family
                                                                                                      savings                savings                R10 400 per family
Social Workers                                                                                        Subject to available   Subject to available   R4 400 per family      R4 200 per family
                                                                                                      savings                savings
Mental Health                                                                                         Subject to available   Subject to available   R5 800 per family      R5 600 per family
                                                                                                      savings                savings
Acute Medication                                                                                      Subject to available   Subject to available   R4 900 per beneficiary R3 500 per beneficiary
                                                                                                      savings                savings                R9 900 per family      R7 000 per family

                                                                                                                                                    Pharmacy-              Pharmacy-
                                                                                                                                                    advised/over-the-      advised/over-the-
                                                                                                                                                    counter will not       counter will not
                                                                                                                                                    accumulate to the      accumulate to the
                                                                                                                                                    Threshold Level.       Threshold Level.
Optical                                                                                               Subject to available   Subject to available   R2 300 per beneficiary R2 300 per beneficiary
                                                                                                      savings                savings                R5 800 per family      R5 800 per family
                                                                                                                                                    Frames sub-limit: R890 Frames sub-limit: R890
Pathology                                                                                             Subject to available   Subject to available   Unlimited              R3 400 per beneficiary
                                                                                                      savings                savings                                       R5 000 per family
                                                                                     Day-to-day Benefits (continued)
 Benefit                               Entry-Level Options                              Focus Options                                Plus Options                              Complete Options
                           Silver Corp. Network          Silver Focus      Platinum Focus       Gold Focus           Platinum Plus          Gold Plus              Platinum Complete       Gold Complete
 Auxiliary Services      All benefits in the Silver                                                                  Subject to available   Subject to available   R11 800                 R7 800
 (Physiotherapy,         Corporate Network                                                                           savings                savings
 Occupational Therapy,   option are provided                                                                                                                       R7 000 per family per   R4 400 per family per
 Speech Therapy,         within the framework                                                                                                                      discipline              discipline
 Audiology, Dietician,   of the national
 Clinical Technologist,  Primecure network.
 Private Nursing)        A separate, detailed
                         benefit guide and
                         schedule are available
 Alternate Therapies     and are usually                                                                             Subject to available   Subject to available   R1 450 per beneficiary R1 350 per beneficiary
 (Homeopath,             provided in                                                                                 savings                savings                R3 000 per family      R2 200 per family
 Chiropractor,           consultation with a
 Naturopath,             Liberty Health product
 Herbalist, Chiropodist, specialist who will assist
 Biokineticist)          with salary-banding
                         requirements within
 Sick Bay at Frail Care a corporate                                                                                  Subject to available   Subject to available
 Centre                  environment.                                                                                savings                savings
 Accommodation                                                                                                                                                     R135 per day            R135 per day
                                                                                                                                                                   R2 300 per family       R2 200 per family
 Dressings and                                                                                                                                                     R2 350 per family       R2 200 per family
 ointments




                                                                                                table
 External Appliances                                                                                                 Subject to available   Subject to available   R11 800 per family      R5 500 per family
                                                                                                                     savings                savings
 Basic Radiology                                                                                                     Subject to available   Subject to available   Unlimited               R3 400 per beneficiary
                                                                                                                     savings                savings                                        R4 400 per family
 MRI & CAT Scans*                                        100% LMS Rate     100% LMS Rate        100% LMS Rate        100% LMS Rate          100% LMS Rate          2 MRI or CAT scans      2 MRI or CAT scans
 (Out-of-hospital)                                       2 CAT scans per   2 MRI or CAT scans   2 MRI or CAT scans   2 MRI or CAT scans     2 MRI or CAT scans     per beneficiary         per beneficiary
                                                         beneficiary       per beneficiary      per beneficiary      per beneficiary        per beneficiary        (Paid from MMB)         (Paid from MMB)
                                                         (Paid from MMB)   (Paid from MMB)      (Paid from MMB)      (Paid from MMB)        (Paid from MMB)
                                                                                                                                                                   1 MRI or CAT scans      1 MRI or CAT scans
                                                                                                                                                                   per beneficiary         per beneficiary
                                                                                                                                                                   (Paid from THB)         (Paid from THB)
* Subject to pre-authorisation and/or case management.




                                                                                            Monthly Contributions
 Benefit                               Entry-Level Options                              Focus Options                                Plus Options                              Complete Options
                           Silver Corp. Network          Silver Focus      Platinum Focus       Gold Focus           Platinum Plus          Gold Plus              Platinum Complete       Gold Complete
 Principal Member           See details of salary-banded contribution      R927                 R720                 R1 115                 R939                   R1 886                  R1 681
                            tables on page 3.
 Adult Dependant                                                           R834                 R607                 R1 003                 R769                   R1 400                  R1 212
 Child*                                                                    R299                 R273                 R360                   R344                   R541                    R485




                                                                                                                                                                                                                    24
       Thank you for taking the time to familiarise yourself with Liberty Medical Scheme’s
        healthcare options. For further information or to become a member, please call
                            0860 002 163 or visit www.libmed.co.za




       This is a marketing overview and summary of the Liberty Medical Scheme, services and complementary products.
       Every attempt has been made to ensure complete accuracy of this launch edition brochure. However, in the event
       of a conflict between this brochure and the registered Rules of the Scheme, the rules will prevail. E &OE.


       Please note:
       • Benefits are subject to medical necessity.
       • The LMS Rate is determined by the Liberty Medical Scheme.
       • Monthly contributions are rounded up to the nearest Rand and exclude any late joiner penalty, which may apply
          after age 35.
       • Monthly contributions for Platinum Complete, Gold Complete, Platinum Plus and Gold Plus include the contribution
          to the Medical Savings Facility.
8956

				
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