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1 administered by swaziland Product Structure January 2011

2 Welcome to Imphilo Imphilo was established in 2008 to provide essential affordable healthcare to more people in Swaziland. It is a truly Swaziland registered company and the accumulated funds are maintained in Swaziland and reinvested here. Imphilo is administered by Momentum in Swaziland, which is a subsidiary of Momentum Africa. Momentum Africa is a subsidiary of Momentum (Pty) Ltd with the latter being wholly owned by the FirstRand Group, a listed Company on the Johannesburg Securities Exchange with a market capitalisation of over US$7.5 billion. FirstRand has in excess of US$100 billion assets under management. Momentum Africa currently administers over lives across Africa, with operations in South Africa, Lesotho, Botswana, Mozambique, Zambia, Tanzania, Kenya, Ghana, Mauritius, Namibia, Malawi and Swaziland. You will get all the details on our Imphilo product in this brochure which will help you to understand the different benefit options. If you have any questions, please call (+268) Providing essential, affordable healthcare and insurance products to more people in Africa Momentum in Swaziland is a trusted financial services provider focusing on meeting the healthcare and life insurance needs of the Swazi people. While Momentum Swaziland s initial focus has largely been on health solutions, we are now proud to offer a broad spectrum of group and retail life insurance products in selected markets as well. These include savings and risk products to employers, retirement funds and individuals. 2

3 Why choose Imphilo? You are assured of a financially sound and secure health product The Imphilo product, underwritten by Momentum, offers both financial stability and sustainability to ensure continued access to healthcare cover at a reasonable rate. You have access to a comprehensive and flexible product range Imphilo offers members a range of five (5) benefit options, to provide for you and your family s anticipated and unexpected healthcare needs. All products are rich in benefits and high in value to ensure affordability without compromising quality. Your service satisfaction is our priority At Imphilo we are committed to a culture of caring and strive to understand the healthcare needs of our members. Product Composition Disease Management Hospital Benefits Emergency Evacuation Primary Care Benefits Medicine Management Disclaimer To make the products and benefits easier to understand we have simplified the language and left out some of the details. The complete rules of the product apply. A complete set of the rules is available in electronic format or a hard-copy at a nominal charge. Health Advice Line Disease Primary Care Management Benefits Programme Chronic Medication Programme Maternity Programme 3

4 Bronze option OUTPATIENT General Practitioner (GP) Consultations Acute medicine Chronic benefit Minor procedures Dentistry (conservative) Optometry Radiology Pathology Outpatient care Out-of-network benefits Unlimited in Swaziland Unlimited at DSP Unlimited at DSP Available at DSP E700 per beneficiary Optical test, 1 pair of clear mono- or bi-focal lenses, E650 per beneficiary every 2 years Basic radiology at selected providers Basic pathology as required at selected providers Unlimited in Swaziland Combined limit of 5 visits to a GP or Specialists per family Max. 2 GP visits per family (RSA treatment available pre-authorisation required) INPATIENT Inpatient care Annual limit of E per family. Available in Swaziland or MediClinic (pre-authorisation required) HOSPITAL BENEFIT E per family per annum Pre-notification required. RSA treatment options should service not be available in Swaziland. Benefits payable at 100% of agreed tariff. Hospital benefit covers medical expenses incurred when hospitalised, including doctors, specialists, operations, anaesthesia, etc High Care, Intensive Care Treatment 10 days per admission Internal Prosthesis E per prosthesis per beneficiary Procedures Subject to OLA and Event Limit Dental Surgery subject to conditions E5 590 per beneficiary Radiology and Pathology E per beneficiary Physiotherapy E7 750 per beneficiary Private Nursing / Hospice / Step Down Facilities / Psychiatric Treatment E5 500 per beneficiary Oncology, Organ Transplant and Dialysis Treatment (In/Out of Hospital) / Blood Transfusion E pbpa Subject to registration on program Motor Vehicle Accidents (MVA) E pbpa External Appliance (In/Out of Hospital) E2 800 per beneficiary Ambulance (In Country Only) E5 550 per event Air/Cross Borders Evacuation E per event subject to approval Maternity E per family Neo-natal Ward Fees (including all services and treatment for 1 month) E per family TTO 7 days per hospital event MONTHLY PREMIUMS (INCL. ) MAIN MEMBER (PRINCIPAL MEMBER) E486 AD (Adult Dependant) E370 CD (Child Dependant) E247 Wellness Program Must register on programme GENERAL Family Funeral Cover All products offer Family Funeral Cover of E

5 Gold option OUTPATIENT General Practitioner (GP) Consultations Acute medicine Chronic benefit Minor procedures Dentistry (conservative) Optometry Radiology Pathology Via Medical Savings Account. Included in premium. RSA treatment available) Outpatient care Main Member E600 per annum. Adult Dependant E480 per annum Child Dependant E360 per annum INPATIENT HOSPITAL BENEFIT E per family per annum Pre-notification required. RSA treatment options should service not be available in Swaziland. Benefits payable at 100% of agreed tariff. Hospital benefit covers medical expenses incurred when hospitalised, including doctors, specialists, operations, anaesthesia, etc High Care, Intensive Care Treatment 10 days per admission Internal Prosthesis E per prosthesis per beneficiary Procedures Subject to OLA and Event Limit Dental Surgery subject to conditions E5 590 per beneficiary Radiology and Pathology E per beneficiary Physiotherapy E7 750 per beneficiary Private Nursing / Hospice / Step Down Facilities / Psychiatric Treatment E5 500 per beneficiary Oncology, Organ Transplant and Dialysis Treatment (In/Out of Hospital) / Blood Transfusion E pbpa Subject to registration on program Motor Vehicle Accidents (MVA) E pbpa External Appliance (In/Out of Hospital) E2 800 per beneficiary Ambulance (In Country Only) E5 550 per event Air/Cross Borders Evacuation E per event subject to approval Maternity E per family Neo-natal Ward Fees (including all services and treatment for 1 month) E per family TTO 7 days per hospital event Wellness Program Must register on programme GENERAL Family Funeral Cover All products offer Family Funeral Cover of E MONTHLY PREMIUMS (Incl. ) Salary < E3 501 Salary > E3 500 MM (Principal Member) AD (Adult Dependant) CD (Child Dependant)

6 administered by swaziland Momentum House, Lot 219, Somhlolo Road, Mbabane, Swaziland PO Box 142, Eveni, H103, Swaziland Telephone: (+268) Facsimile: (+268)

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