Important Information For All Discovery Health Clients

As we approach the end of the year, it's important that you become acquainted with the 2010 features and benefits of your health cover. Particularly should you wish to make any changes to your plan for 2010. Your health is your most important asset and it's important for us that you are on a plan that suits your health needs in 2010.

To help you make the choice that's right for you, we've attached a summary of the key changes made to the 2010 benefits. Please take the time to read this brochure to make sure you have chosen the right Discovery Health plan for your needs.

You can read more about your benefits for 2010 at www.discovery.co.za or in the spring issue of the Discovery magazine, which has been sent to you in the post.

What you need to do now

No need to do anything if you intend to stay on the same Health Plan for 2010. Should you wish to make a change, it is essential that you give us a call or visit www.discovery.co.za where you can initiate changes online directly. Please let us know by 10 December 2009 should you wish to make changes.

The salient points regarding Discovery Health 2009

• Discovery Health today announced a 9.8% overall contribution increase, accompanied by a number of benefit enhancements for 2010 for members of the Discovery Health Medical Scheme, the country's largest open medical scheme
• A value-for-money analysis has shown that Discovery Health's exit price is approximately 10% below the industry average in all market segments
• Total membership is now over 2 million lives
• Members' reserves in the Discovery Health Medical Scheme at over R6 billion, keeping its solvency level at higher than 25%
• The DHMS has an AA+ rating from Global Credit Ratings for claims paying ability
• All benefits have been maintained and enhanced
• During a period characterised by economic uncertainty where financial security and value-for-money are important concerns for medical scheme members
• The Discovery Health Medical Scheme grew by 720 000 families over the past 10 years

Discovery Health also announced a series of enhancements for members which leverage network assets to optimise cover for members, increase the breadth of funding for highly specialised treatments and enhance consumer engagement in managing healthcare. These benefit enhancements will take effect on 1 January 2010.

They include:

• The Insured Network Benefit, which will provide full cover for GP consultations and pathology in the Discovery Health networks, even after members have depleted their Medical Savings Account
• The enhanced Discovery Health Oncology benefit, which will provide access to the latest medical technology with no overall limits
• The Discovery Health Patient Record and Discovery Health MaPS (medical and provider search), which will provide access to state-of-the-art online tools to help members positively engage in their healthcare and maximise their medical scheme benefits. The Discovery Health Patient Record makes members' personal medical records easily and securely accessible to them, while Discovery Health MaPS help members find healthcare providers within Discovery Health's networks

Neville Koopowitz, Discovery Health's Chief Executive said:
"We are committed to offering members' financial security, sustainability and value for money, particularly in these recessionary times, and we are pleased that the key metrics reflect consistent delivery for our members"

Silke Financial Services has the skill and expertise to advise clients on appropriate and up to date plans for your healthcare needs.