BENEFITS BROCHURE

1 BENEFITS BROCHUREFeel confident that someone is always on your wants to lead their best life. We want tomorrow to be better than yesterday and we want to know that when things get tough, we have all the support we need; whether it s from family, friends or even a scheme like Bonitas. That s why at Bonitas, we re not just in the business of healthcare. Yes, we offer quality, affordable healthcare plans and BENEFITS and yes, when you have a health issue, we re there for you, but that s just the beginning. Our business is about supporting your life. We start by making it simple to get the help you need, when you need it. This means that we have a wide network of top doctors, hospitals and pharmacies, waiting to attend to you.

2 We also have a range of products that are simple to understand so that you know exactly what you are insured for. They re also simple to use, with up to 90% of your bills being paid directly by us so you don t have to worry about paying out of your pocket. Most of all, our products are affordable and flexible, adapting to all needs and budgets. At Bonitas, we believe everyone has the right to live their perfect life, and you can only do that when you know you have the support of people who care. We want tomorrow to be better than yesterday and we want to know that when things get tough, we have all the support we TO LIVE THE LIFE YOU DESERVE?

3 BENEFITS 2014 Page 03 INDEX Bonitas? Summary Option Option Option Option 18 Primary Option

4 Option Details 559 .BonCap - Network Option BENEFITS BENEFITS a Glance 45295 211 PRINCIPAL MEMBERS651 518 BENEFICIARIESIn the medical scheme indust y, there is safety in numbers. The larger the scheme's membership base, the better its ability to spread the risk of high claims.

5 With over 295 211 principal members and651 518 beneficiaries covered, Bonitas iswell-equipped to ensure that size reallydoes OF THE MEDICAL SCHEMEWHY BONITAS?At Bonitas we don t promise, we do. From the moment we opened our doors over 31 years ago, we have worked hard at bringing affordable healthcare to eve yone, and adding value to their lives. We know that pa t of getting better means you need to be able to focus on the things that matter and not wor y about whether you re covered or if your medical bills will be paid in full. Bonitas Medical Fund is registered as a Medical Scheme in terms of the Medical Schemes Act. The Scheme complies with all aspects of the Medical Schemes Act.

6 Trustees are elected by members. Trustees act in the best interest of the Scheme and its members. BENEFITS are approved by the Council for Medical a medical scheme with a relatively young beneficia y age and low pensioner atio ensures you get value for money. This is because as people age, their medical costs rise and this tends to increase contributions. DRASTICALLY LOWER THAN THE VAST MAJORITY OF OPEN SCHEMES IN THE INDUSTRY, BONITAS AVERAGE BENEFICIARY AGE IS YEARS AND OUR PENSIONER RATIO IS BENEFICIARY AGE RATIO SUPPORT YOU BY OFFERING REAL BENEFITS THAT MATTER:Prescribed Minimum Benefit (PMBs)covered at private Direct provides courier delive y ofchronic medication aditional options cover dentist y and optomet y from sound and reliable, Bonitas has an A A-Global Credit Rating rese ve of over billion, a solvency margin of and administ ation costs of only of gross contribution income.

7 Making your life easier, our advanced suppo t network t anslates our philosophy of designed to suppo t your life into reality for you. Intelligently innovative, lucidly simple and easy to understand, our1 ADMINISTRATION COST OF GROSS CONTRIBUTION INCOMEAA- GLOBAL CREDIT RATING35 .5%SOLVENCY RATIORESERVES OF OVER R 2 .7 BILLIONFINANCIALLY SOUND AND RELIABLE fo ward-thinking product options and exceptional se vice match what you look for in a scheme. Key indicators such as solvency atio, ave age beneficia y age, pensioner atio and claims atio are known to provide a dependable indication of a medical scheme's long-term viability, financial stability and value for KEY INDICATORS KEY INDICATORS Solvency Ratio Ave age Beneficia y AgePensioner Ratio Non-Healthcare Expenses per Beneficia y Per Month Non-Healthcare Expenses as a % of Risk Contribution IncomeNon-Healthcare Expenses as a % of Gross Contribution Income Principal Member Beneficiaries BONITAS 5.

8 1% R 144 14% 211 651 518 OPEN SCHEME AVERAGE R 164 - -The table sets out the key indicators for Bonitas compared to the open scheme ave age based on the latest annual repo t (updated) from the Council for Medical Schemes Bonitas solvency ate is one of the highest in the count y ove taking the prescribed minimum solvency atio of 25 % which not only ensures the scheme has the ability to meetits financial commitments; it is also the most reliable indication of its financial dependability and ability to pay RATIOE xpense atios are an impo tant indicator of whether a scheme offers value for money or not. Inevitably medical schemes have expenses (such as administ ation fees and broker commission)and the higher these non-healthcare costs, the less there is available to pay claims.

9 Schemes with higher than ave age expense atios gene ally don t offer good value for money. NON-HEALTHCARE EXPENSE RATIOSHIV tests and lu vaccines on all of supplementa y BENEFITS paid from unlimited number of trips on international medical GP is the financial side of our business. Simply put, it gives you the information you need to reassure yourself that we re in good shapetoday and into the Class Managed Care prog ammesand Clinically Approved (VCT) Prog 211 PRINCIPAL MEMBERS651 518 BENEFICIARIESIn the medical scheme indust y, there is safety in numbers. The larger the scheme's membership base, the better its ability to spread the risk of high claims.

10 With over 295 211 principal members and651 518 beneficiaries covered, Bonitas iswell-equipped to ensure that size reallydoes OF THE MEDICAL SCHEMEWHY BONITAS?At Bonitas we don t promise, we do. From the moment we opened our doors over 31 years ago, we have worked hard at bringing affordable healthcare to eve yone, and adding value to their lives. We know that pa t of getting better means you need to be able to focus on the things that matter and not wor y about whether you re covered or if your medical bills will be paid in full. Bonitas Medical Fund is registered as a Medical Scheme in terms of the Medical Schemes Act. The Scheme complies with all aspects of the Medical Schemes Act.