4th Floor Fidelity House 66 Julius Nyerere Way, Harare Tel: 750927-34, 781141-48 Fax: 751723

INDIVIDUALS WELLNESS PLAN

Packages Member

Spouse Child under 18

Child above 18

Other dependants

Facilities

Deluxe

119 119 67 88 139

Executive private hospital facilities - GROUP 1 (Avenues, Rock foundation, Trauma centre, West end ER, Mater dei)

Private Practitioners, Private Wards, Emergency rooms, Specialist treatment

Grand

92 92 58 79 108

Private hospital facilities - GROUP 1 (Avenues, Rock foundation, Trauma centre, West end ER, Mater de)

Private Practitioners, General Wards, Emergency rooms, Specialist treatment

Access

59 59 32 49 67

Private hospital facilities - GROUP 2 (West end, Baines, Belvedere maternity, St Annes, Claybank, Dandaro, Murambi)

Private practitioners, Emergency rooms, Specialist treatment

Express

36 36 18 30 43

Private hospitals - GROUP 3 (PSMI clinincs, saburban hospital, Borodaile, Harare east memorial, Malborough)

General Practitioners No emergency rooms

Foundation

18 18 13 16 22 Government Hospitals, Mission Hospitals, Municipal Clinics No emergency rooms, No Specialist Treatment

Benefits Structure

BENEFIT DELUXE GRAND ACCESS EXPRESS FOUNDATIONGlobal limit 15,000 10,000 8,000 5,000 3,000 Institutions Treatment at Group 1

Private institutionsTreatment at Group 1 Private institutions

Treatment at Group 2 Private institutions

Treatment at Group 3 Private institutions

Treatment and public institutions only

Consultation 100% of AHFoZ 100% of AHFoZ 100% of AHFoZ 100% of AHFoZ 100% of AHFoZ

Specialist Treatment

100% of AHFoZ 80% of AHFoZ 75% of AHFoZ 65% of AHFoZ

Hospitalisation 5,000 4,000 3,000 2,000 1,500Maternity From Hosp (once in 2

years)From Hosp (once in 2 years)

From Hosp (once in 2 years)

From Hosp (once in 2 years)

From Hosp (once in 2 years)

Drugs 1,000 800 600 500 300Optical 500 300 250 200 150Dental 1,500 1,000 600 450 150Maternity 90% of Ahfoz 80% of Ahfoz 75% of Ahfoz 65% of Ahfoz 100% Govt feesMaternity Antenatal visits – 9

Post natal visits – 5Ultra sound scans - 2

Antenatal visits – 9Post natal visits – 5Ultra sound scans - 2

Antenatal visits – 9Post natal visits – 5Ultra sound scans - 2

Antenatal visits – 9Post natal visits – 5Ultra sound scans - 2

Antenatal visits – 9Post natal visits – 5Ultra sound scans - 2

Waiting periods Standard to apply Standard to apply Standard to apply Standard to apply Standard to apply

Waiting periods

3 months Admission and treatment at a hospital, general consultation, upgrading to a higher package

6 months Spectacles, CT & MRI scans, special treatment9 months Maternity benefit12 months Foreign specialist treatment, homes providing care24 months Chronic medication for cancer drugs, haemodialysis, chemotherapy

Shortfall Table

Benefit Deluxe Grand Access ExpressSurgery & Anesthetist 100% 80% 75% 70%Maternity–Normal Delivery 100% 80% 75% 65%Maternity – C-Section 90% 80% 75% 65%Dental 90% 80% 75% 65%Optical 90% 80% 75% 75%Scans 90% 90% 90% 90%

* NB- Cut of age for new registrations is 55 years