2022 Benefit and Contribution Launch

1 COVER. 2022 Benefit and Contribution Launch 06 October 2021. MORE THAN A MEMBER. MORE WITH BANKMED. Agenda 01 Welcome Opening Address 02 Teddy Mosomothane (Bankmed CEO). COVID-19 Update 03 Teddy Mosomothane (Bankmed CEO). 2022 Benefits and Contributions 04 Dr Niri Naidoo (Operations & Clinical Executive). 05 Q & A and Closing Welcome Your Good Health Top of mind: your Good Health = our Good Health Our collective Good Health: Embracing vaccination in pursuit of population immunity Our Good Health is central to our livelihoods The success of our organisations and economy depend on our Good Health Our families depend on our livelihoods Bankmed - your partner in health and wellness. I have been vaccinated. Have you? Nurturing value is what we do (since 1914). Responding to COVID-19.

2 Has become most relevant and urgent to demonstrate value Partnership in Exclusivity and Responsiveness Better Value Better Quality Health and Wellness (Closed Scheme) in 2021 (NMG) (HQA). Commitment to Best-of-Class Technology and Innovation Financial Stability Member Experience as Enablers (GCR). Bankmed's Response to COVID-19. Bankmed's COVID-19 Benefits are designed to deliver the best care for our members (across all plans). Details of Bankmed's response is available on the Bankmed website / COVID-19 Vaccination Hub In-and-out of hospital Pulse Oximeter and cost of treatment paid from Virtual and additional consultations for insured benefits Telephonic consultations high risk members Tests paid for from Relaxation of Hospital at Home COVID-19. insured benefits networks, specifically COVID-19 Benefit Vaccine for COVID-19.

3 28 048 positive cases with a recovery rate of and a case fatality rate of COVID-19 cases by Province BANKMED CONFIRMED CASES | 28 048| as at 14 September 2021. (cumulative since the start of the pandemic). Tests Positive COVID-19 Repeat Vaccines 819 conducted members admitted Recoveries Deaths Cases Administered members 144 959 28 048 3 885 26 664 808 347 103 884. 694. 632 17 807. 17 098 528 2 860 835 - 2 671 322 85 002 14 922 954. 897 2 338. 336. Proportion Recovery rate Case fatality rate admitted (DH: ) (DH: ). (DH: ). 1 305 National Hospital Proportion Recovery Rate Mortality Rate readmitted National 3 220 50 Members Case fatality rate 19 ICU. 9 Ventilation *We have extended the definition of confirmed positive members to also include admissions coded with but not confirmed through pathology testing yet Since the onset of the pandemic: 3 885 members admitted (4 448 admissions), 787 ICU admissions and 456 ventilator admissions As at 14 September 2021.

4 Distribution by age and chronicity Admissions for COVID-19 positive members Age: 37 years 3 885 members admitted % Chronic: 35%. 4 448 787 ICU 456 ICU. admissions admissions Ventilator admissions Distribution of positive members by age and chronicity 10000. 9000 Admission Costs 8000 1757. 4 341 Completed admissions that were discharged 7000. 6000. and claims received 5000 Completed Total Average Average Death 2249. 4000 7337. Admissions Cost Cost Length of Stay rate 3000 Other Wards 2 997 R 157 174 408 R 52 444 2167. 2000 3477 High Care 3292 534 R 66 668 193 R 124 847 1000 1624 1329. 835 1256 872 ICU 349 R 115 019 708 R 329 569 0. Ventilation 461 R 211 951 457 R 459 765 0 - 10 010 - 20 20 - 30 30 - 40 40 - 50 50 - 60 60 - 70 70 - 80 80+. Total 4 341 R 550 813 767 R 126 886 Non-Chronic Chronic COVID-19 Benefits Uptake The utilisation of TC's & VC's & Pulse Oximeters increases with the peak of each wave Consultation Type 2020 Q1 2021 Q2 2021 July 2021 August 2021.

5 Virtual Consultations 323 15 12 5 3. Telephonic Consultations 11 583 3 955 5 167 3 240 1 720. Isolation Hotel Benefit 2020 Q1 2021 Q2 2021 July 2021 August 2021. Number of Members 38 1 - - - Number of Days 280 6 - - - Pulse Oximeter Uptake 2020 Q1 2021 Q2 2021 July 2021 August 2021. Number of Approved Pulse 802 471 215 352 141. Oximeters Bankmed's COVID-19 Costs since the start of the pandemic: million 2020 YTD Aug 2021 Total Testing Isolation Hotel R490K R17K. Oximeter R300K R452K. Out of Hospital Cost Vaccine N/A GP Cost Medication Cost Other OH Cost In Hospital Cost Total of Bankmed Members have been vaccinated as at 14th September 2021;. 103 884 vaccine doses have been administered as at 14 September 2021. Vaccines by Province Vaccines by Age Group 73,30%. 70000 18,00% 50000 61,40% 80,00%.

6 61428 38908. 16,00% 40000 32571 60,00%. 60000 15,65% 36,50%. 30000. 14,00% 24,50% 19379 40,00%. 50000 20000 12992. 12,00% 20,00%. 10000 26,04%. 9,56% 9,57% 34 21,79%. 40000 9,43% 10,00% 12,97%. 0 8,69% 0,00%. 8,17% 8,29%. <18 18 - 34 34 - 49 50 - 59 60+. 30000 8,00%. 6,54%. 5,36% 3,20%. 3,28% 4,92% 6,00%. 20000 16132 3,81% 3,61%. 4,10% Vaccines Administered 13182 2,78% 4,00% 60000 48853. 2,09%. 10000 1,64% 1,39%. 4969 2,00% 40000 31951. 2797 1548 1517 1431 20590. 853. 0 0,00% 20000. 2490. 0. Pfizer Single Dose Pfizer Double Unknown Single J&J Single Dose Dose Dose (Public Sector). Selected Financial Indicators Your money is Non-healthcare costs 2019. spent on you Industry average Non-healthcare expenses are the costs VS associated with running the Scheme administration and general 2020: administration expenses Our partnership spans over more than 100 years - and we are Solvency ratio still going strong Industry average Our financial stability VS allows us to maintain value for our members 2019 Annual Financial Statements 2019 Council for Medical Schemes Annual Report.

7 The average for restricted schemes in 2019 was 2020: Post Pandemic: The Unknown The Unknown Costs associated with so-called long-COVID' syndrome continuing illness after recovery from COVID-19. infection;. A potential for the catch-up' of the elective procedures postponed during the higher levels of lockdown;. The possibility of pent-up demand' resulting from members not seeking care during the pandemic and needing more intensive and costly care from the system once the pandemic passes; and The potential need for ongoing vaccination drives on an annual basis if the virus becomes part of life in the so- called new normal'. Long COVID. Top Symptoms: Long COVID Definition: Headache Long COVID is present when the symptoms that Attention Disorder 21% of COVID patients appear continue or develop after acute COVID-19 Fatigue to develop long COVID infection and which cannot be explained by a Dyspnea between 30 to 120 days alternative diagnosis.

8 This term includes ongoing Hair Loss after first testing positive symptomatic COVID-19, from 4 to 12 weeks Joint Pains post-infection, and post-COVID-19 syndrome, Cough beyond 12 weeks post-infection Chest Pain & Discomfort Anosmia Concern around Potential Future Claiming Patterns 20. 15. 10. 5. 0. Hypertension Diabetes Anxiety & Mood Disorder Severe - Actual Severe - Expected Mild - Actual Mild - Expected Long COVID | In Summary Limited evidence on optimal management Rapidly evolving clinical problem Important public health considerations as the pandemic continues An approach to management must be developed Must accommodate the needs of this group of patients Further research is clearly needed into all aspects of this condition Must understand local context with our high burden of comorbid infectious and non-communicable diseases, potentially complicating both the manifestations of long-COVID and our approach to its holistic management.

9 Conclusion Bankmed employer group clients and members are the lifeblood of this leading medical scheme Engaged members, providing robust input and feedback Enjoying leadership from trustees that come from institutions that are the pillars of our economy Responsive to COVID-19, and delivering on the core value proposition Bankmed, partly because of experience, partnerships, and collaboration, is readier than most to navigate our way through the challenging times Please get vaccinated 2022. Contribution Increases Average Contribution Increases: 2011 2021. Bankmed vs the Top 3 Open Schemes Bankmed Average Open Schemes 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 The Open Schemes included in this analysis is DHMS, Bonitas and Momentum Average Contribution Increases 2022: Industry Momentum Health DHMS Medical Scheme * **6% Bonitas BestMed January April 2022: 0%.

10 May - December 2022: January August 2022: 0%. September - December 2022: 6%. CAMAF KeyHealth MEDSHIELD. Annual Increase Comparisons 2016 2017 2018 2019 2020 2021 2022. 14. 11,9. 12. 11. 10,6 10,7 10,7. 10,2. 9,9. 10 9,5. 9,2. 8,9 8,7 8,9. 8,6. 8,3 8,2 8,2. 7,9 7,9 * 8. 7,7 7,8 7,9. 8,1 7,9. 8. 7,3 7,3. 5,9 6 **. 6. 4,6 4,8. 3,9 4,0. 4 3,5 3,6. 3,2. 2. 0. DHMS Momentum Bonitas CAMAF Bankmed *January April 2022: 0% **January August 2022: 0%. May - December 2022: September - December 2022: 6%. 25. 2022 Bankmed Contribution Increases Plan 2017 Increase 2018 Increase 2019 Increase 2020 Increase 2021 Increase 2022 Increase Essential 6% 5% Basic 6% Core Saver 7% Traditional 8% 7% Comprehensive 8% Plus 9% 9% 8% Average Annual limits of many medical categories were increased generally by Plan structure A Plan to suit everyone Top of the range Plan with savings and an ATB.