Medical Aid Proposal

A Brief Introduction Of FLIMAS

• Established more than 40 years ago

• Operated as a closed Society (in house fund) till 2002

• Became an open Society administered by Fidelity Life Medical Services Company

• Licensed with the Ministry of Health

• Affiliated to AHFoZ (formerly NAMAS)

Our Track Record Have persistently offered competitive rates which are

accompanied by superior benefits . Have been Innovative e.g. look up tool, Life card and

shortfall fund in 2007 Nationwide acceptance of FLIMAS card - “Throughout

the turbulent times the FLIMAS card was well accepted without any co-payments or Shortfalls”

Have maintained good relationships with service providers – A survey put us as number 1 in 2008 & 2009

Have persistently paid hospital deposits to cover cash requirements (reviewed regularly) for the convenience of our members

What separates us from others

We are available 24 hours a day, 365 days of the year

Low claims rebate (cash back)Funeral coverNo blanket increases in subscriptionsRisk management reportsOur products are relevant and ensure

convenience, accountability and flexibility

Claims paid within 7 working days

What separates us from others

We believe in providing choicesAble to offer highly personalized

serviceBacked by a strong and financially

sound shareholderSmart partnerships: with numerous

service providers the key principle being “providing members with choice”

Wide acceptance of the FLIMAS card nationwide

The PackagesDELUXE: Executive private wards in private hospital facilities up to GROUP ONE (1), (Avenues Clinic, Mater Dei, St. Annes, Murambi Gardens, , Montague Clinic), Private practitioners, Emergency rooms, SpecialistsGRAND: Private Hospital facilities in twin-bedded and general wards up to GROUP ONE (1), (Avenues Clinic, Mater Dei, Murambi Gardens, Montague Clinic), Private practitioners, Emergency rooms, Specialists . (Management and other specialized staff), ACCESS: Private hospitals - up to GROUP TWO (2), (West End Hospital, Belvedere Maternity, Baines Maternity, Gallen House). Private practitioners, Emergency rooms, Specialists.EXPRESS: Value oriented Scheme , Private hospital up to GROUP THREE (3), (Suburban Hospital, PSMI Clinics ,Harare East Memorial, Willowvale Medical Centre, Claybank Hospital etc), General Practitioners, Government and or public hospital facilities – No emergency roomsFOUNDATION :Economy Package. Mainly for public hospitals, Mission hospitals, and Municipal clinics

Hospital Groups

Group 1 Group 2 Group 3

Avenues Clinic

Mater Dei Hospital

Avenues ER

Corporate 24 ER

Michael Gelfand

Rock Foundation

Murambi Gardens

St Annes Hospital

West End Hospital

Baines Maternity

Belvedere Maternity

Suburban ER

Gallen House

Southmed Chitungwiza

Hillside Bulawayo

Suburban Hospital

Clay Bank

Borradaile

Willowvale Med Centre

Harare East Memorial Arcadia Medical Centre Marlborough Medical Centre

PSMI Clinics

Schemes Available

• FLIMAS Health Partner – available to those who will be attending the Society’s recommended service providers and those who charge AHFoZ rates. These service providers charge negotiated fees hence the reduced fees. Claims are settled at the AHFoZ tariff.

Schemes Available

• FLIMAS Elite – available for those who do not want to be restricted to our partners or to incur shortfalls if they elect to be attended to by service providers who are on the Flimas Health Partner network - The service provider fees are not controlled

Rates for the Elite Scheme are available on request

Benefits Covered

• Comprehensive cover providing for all requirements for restoring good health.

• Evacuation by road or air, emergency rooms, consultations, hospitalisation, surgical procedures, maternity , dental, optical, scans, radiology, therapy, foreign treatment and prescription drugs.

• Chronic diseases are all covered for.

Benefits Covered continuedCover for:

Hospitalization fees paid for in full

Prescription drugs covered 100% up to the predetermined limits

Optical benefit paid in full up to $250 . Maximum benefit is up to the predetermined limits and once every two years for all appliances

Consultation – covered 100%There is now a new and exciting

option where members can take the dual package that combines Medical Aid and Funeral benefit at a reasonable cost .

Evacuation covered in full up to the agreed limits per package

Foreign Treatment paid for 80% up to the agreed benefit limits.

Separate Travel cover if required shall be arranged in advance if a member does not want to pay cash up front for treatment while on business travel or leisure

All packages except Foundation have foreign treatment cover

FLIMAS POOLED MEDICAL COVER

How it worksMembers Contribute to a pool of resources and it belongs to the SocietyContributions are determined by the SocietyBenefits are determined by the Society.Payments to providers are determined by the Association of Health Funders (AHFOZ). In the case of the Health partner scheme or according to the providers’ tariffs on the Elite schemeContributions are paid monthly in advanceClaims related bonus – there is a low claims bonus OF UP TO 30% payable to the account every 12 months.

FLIMAS Pool - Special Features

• Cover is comprehensive up to the pre-determined limits

• There is cross subsidization amongst pool members

• Monthly reports on claims and risk management are provided

• Subscriptions are standard, however, they are reviewed every 6 months subject to the risk each organization is bringing into the pool

• Global subscriptions review driven by increases in cost of health services

THE FUNERAL ADD-ON

ROSES(FOR DELUXE & GRAND CORPORATE CDC WITH FUNERAL COVER) Supply of dome casket Coffin Supply of lace and flowerGroceries - 40kg mealie meal; - 4litres cooking oil; - 10kg sugar; 2kg salt; 500g tea leaves; 2 dozens bread; 30kg beef; 6*2litres Mazowe; 20pints milkRemoval of deceased (from local hospital/residence up to 30km)Use of mortuary, washing and dressing of the deceasedDocumentation i.e. burial order and internment.Transportation of the deceased to a burial place in ZimbabweTent & chairs for mourners

THE FUNERAL ADD – ON

(Optional) 1 ) LAVENDER(FOR FOUNDATION

PACKAGE)

Supply of grain CasketSupply of lace and flower Groceries - 40kg mealie meal; - 4litres cooking oil; 10kg sugar; 2kg saltRemoval of deceased (from local hospital/residence up to 30km)Use of mortuaryWashing and dressing of the deceasedDocumentation i.e. burial order and internment.Transportation of the deceased to a burial place in Zimbabwe

2 ) CARNATIONS(FOR EXPRESS & ACCESS PACKAGES)

Supply of 2/3 tier casketSupply of lace and flowerGroceries - 40kg mealie meal; - 4litres cooking oil; - 10kg sugar; 2kg salt; 500g tea leaves;2 dozens bread; 15kg beefRemoval of deceased (from local hospital/residence up to 30km)Use of mortuaryWashing and dressing of the deceasedDocumentation i.e. burial order and internment.Transportation of the deceased to a burial place in Zimbabwe

MONTHLY CONTRIBUTION RATES ( USD) HEALTH PARTNER

Packages Child Student Other

0-18yrs 18-25 yrs DependantUS$ US$ US$ US$ US$

FOUNDATIONF.3 Corporate 13 13 8 12 17F.5 Corporate with Funeral cover 14 14 9 12 19EXPRESSE.3 Corporate 25 25 16 23 32F.5 Corporate with Funeral cover 27 27 17 25 34ACCESSA.3 Corporate 42 42 24 37 52F.5 Corporate with Funeral cover 44 44 25 40 55GRANDG.3 Corporate 66 66 42 60 82F.5 Corporate with Funeral cover 69 69 43 64 72DELUXED.3 Corporate 84 84 50 66 106F.5 Corporate with Funeral cover 87 87 51 70 110

Member Spouse

Waiting PeriodsWaiting periods apply to ALL as follows; 3 Months For:

• Admission or treatment at a Hospital • Visits to General Practitioners • Up-grading to a higher package

6 Months For: • Spectacles (including contact lenses) • CT and MRI Scan, nuclear medicines • Specialist treatment

9 Months For: • Maternity benefits

12 Months For: • Foreign Specialist Treatment • Homes providing special care

24 Months For: • Chronic medication (member will have to apply for the benefit) • Haemodialysis (Pre-authorization will have to be sought) • Chemotherapy ( pre-authorization will have to be sought)

There is no waiting period applied for companies coming from other medical aid societies.

Shortfalls (The Society will pay the indicated levels)

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