BENEFITS BROCHURE 2016 - CAMAFBENEFITS BROCHURE 2016 Nurture your health ABOUT US The Chartered...

BENEFITS BROCHURE2016

Nurture your health

ABOUT USThe Chartered Accountants Medical Aid Fund (CAMAF), which was established in 1951, was originally designed for accounting professionals and offers superior benefits to qualifying members. As the fund focuses on a niche market, it is able to provide a range of benefits that significantly surpass those offered by most open schemes. Always ahead of the curve, CAMAF strongly values innovation, and covers many procedures performed with the very latest technology. It also has a distinctly holistic focus, combining excellent healthcare benefits with an actively managed wellness programme. This is complemented by its loyalty programme, Multiply, which offers a range of attractive rewards for doing the everyday things that ensure a healthy and happy life. CAMAF is a trusted medical aid that gives its members peace of mind when it comes to the management of the scheme, as its Board of Trustees is made up of professionals who have a high regard for good corporate governance. They ensure that the delivery of excellent products and services is suitably balanced with sound reserves. While CAMAF provides cover mainly for companies, it also accepts individual members subject to certain approved qualifications (see Criteria for Individual Membership).

CAMAF BENEFIT OPTION SUMMARY - STAR RATINGVITAL ESSENTIAL PLUS NETWORK CHOICE FIRST CHOICE DOUBLE PLUS ALLIANCE

Hospital and Chronic

Day to Day - -

Preventative Wellness Benefits

- -

MSA(savings) - - -

MONTHlY CONTRIBUTION RATES

BENEFIT OPTION CHANGE 2016

CONTACT US

CAMAF BENEFIT OPTIONS - QUICK SUMMARY

VITAL ESSENTIAL PLUS NETWORK CHOICE FIRST CHOICE DOUBLE PLUS ALLIANCE

Hospital Facility Fees Any private hospital Any private hospital Netcare hospitals only Any private hospital Any private hospital Any private hospital. Private wards

Attending Doctor's and Specialists in Hospital Up to 300% CBt Up to 200% CBt Up to 100% CBt Up to 100% CBt Up to 300% CBt Up to 300% CBt

Chronic condition cover: medicines and consults 63 Conditions 27 Conditions 27 Conditions 27 Conditions 63 Conditions 64 Conditions

Radiology and Pathology Unlimited In or Out of Hospital

Unlimited In Hospital. Out of Hospital from MSa

Limits apply In and Outof hospital

Limits apply In and Outof hospital

Unlimited In or Outof Hospital

Unlimited In or Out of Hospital

Preventative Wellness Benefits 14 extra benefits 4 extra benefits 10 extra benefits 10 extra benefits 14 extra benefits 14 extra benefits

Day to Day Overall Limit (Principal Member) - -

R2 600 for Medicines. R8 010 for Specialists.

R2 600 for Other.From DSP only

R2 600 for Medicines. R8 010 for Specialists.

R2 600 for Other.Paid at 80%

R10 090 R25 780

Medical Savings Account (Principal Member) - R5 280 - - R4 056 R6 204

VItal

BENEFIT OPTION QUICK SUMMARY - VITAl

aNy PrIVate hoSPItal: No limits

atteNDING DoCtorS aND SPeCIalIStS: Up to 300% of CBt

63 ChroNIC CoNDItIoNS: Medication and consultations. Covers the medication and necessary consultations and procedures. Includes unlimited appropriate biological drugs and specialised technology as well as door to door medication delivery

uNlIMIteD X-rayS aND BlooD teStS IN and OUT of hospital including MRI’s and CT’s

SCreeNING BeNeFItS

3 MoNth post hospitalisation benefit

eXterNal aPPlIaNCeS: Wheelchair, hearing aid, breast pump, baby sleep monitor

CheCK-uPS aND VaCCINeS: GP, Specialist, Dental, Optometry, ECG

IN HOSPITAL AND PRESCRIBED MINIMUM BENEFITSHOSPITAL ACCOMMODATION

INCLUDING CONFINEMENTS, SUBJECT TO PRE-AUTHORISATION 100% of Negotiated Rate in general ward and specialised units

ATTENDING DOCTORS AND SPECIALISTSCONSULTATIONS MEDICAL AND SURGICAL PROCEDURES

INCLUDING CONFINEMENTS

Up to 300% CBT 100% of Scheme Rate

AUXILIARY HEALTHCARE IN HOSPITAL(EG. PHYSIOTHERAPY AND PSYCHOTHERAPY) 100% CBT

BLOOD TRANSFUSIONS(IN AND OUT OF HOSPITAL) 100% of cost

RADIOLOGY IN HOSPITALADVANCED SCANS (MRI/CT/PET)

SUBJECT TO PRE-AUTHORISATION

100% CBT100% CBT

PATHOLOGYIN HOSPITAL 100% Negotiated Rate

INTERNAL PROSTHESIS SUBJECT TO PRE-AUTHORISATION 100% of cost

HOME NURSING UP TO 21 DAYS, SUBJECT TO PRE-AUTHORISATION 100% CBT

STEP DOWN APPROVED FACILITIES (ONLY, UP TO 90 DAYS) SUBJECT TO PRE-AUTHORISATION 100% Negotiated Rate

MEDICATIONIN HOSPITAL 100% SEP plus dispensing fee

TTO MEDICATIONUP TO ONE WEEK’S SUPPLY 100% SEP plus dispensing fee

SUBSTANCE ABUSE PMB applied to hospital based treatment and limited to one rehabilitation treatment per beneficiary per year, subject topre-authorisation and limited to 21 days

CHRONIC PMB CDL MEDICATION AND TREATMENT - SUBJECT TO PRE-AUTHORISATION AND PROTOCOLS

REFER TO CHRONIC DISEASE LIST100% SEP plus a dispensing fee, subject to RP and DSP. Consultations and procedures - at cost

PMB DTP TREATMENTOUT OF HOSPITAL TREATMENT SUBJECT TO REGISTRATION OF

CONDITION AND PRE-AUTHORISATIONMedication - SEP plus dispensing fee, subject to RP and DSP. Consultations and procedures - at cost

ONCOLOGY SUBJECT TO PREAUTHORISATION AND PROTOCOLS Medication - 100% SEP plus a dispensing fee, subject to RP and DSP. Consultations and procedures - at cost

SPECIALISED MEDICINE AND TECHNOLOGY SUBJECT TO PREAUTHORISATION AND PROTOCOLS Medication - 100% SEP plus a dispensing fee, subject to RP and DSP. Consultations and procedures - at cost

VItalAll benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in

the Regulations listed in the Medical Schemes Act.

PREVENTATIVE WELLNESS COVER

CAMAF LIFESTYLE PROGRAMMEPER ADULT BENEFICIARY

INCLUDES: • Free health risk assessment at Clicks, Dischem or Pick n Pay pharmacy • Access to e|Care portal with online wellness solutions to monitor your health and promote balanced, healthy living • Comprehensive wellness report plus personalised health articles in weekly emails when you complete your wellness assessment online.

ONE GP CONSULTATION ONLYICD 10 CODE SPECIFIC TO GENERAL CHECK UP ONLY 100% CBT per beneficiary

ONE SPECIALIST CONSULTATION ICD 10 CODE SPECIFIC TO GENERAL CHECK UP ONLY. GYNAECOLOGISTS,

UROLOGISTS, OR SPECIALIST PHYSICIANS**FOR BENEFICIARIES OVER 16 YEARS. PAEDIATRICIANS FOR

BENEFICIARIES UNDER 16 YEARS

100% CBT per beneficiary

PSYCHOTHERAPY 100% CBT limited to R9 450 per beneficiaryONE DIETICIAN CONSULTATION 100% CBT per beneficiary

ONE DENTISTRY CONSULTATIONGENERAL CHECK UP ONLY - excludes consumables 100% CBT per beneficiary

ECG(PERFORMED BY GP OR SPECIALIST PHYSICIAN**)

ICD 10 CODE SPECIFIC TO GENERAL CHECK UP ONLY - excludes consumables

100% CBT per adult beneficiary

ONE OPTOMETRIST CONSULTATION 100% Optical Assistant RatesMETABOLIC SCREENING FOR NEW BORN BABIES 100% Negotiated Rate per new born baby

IMMUNISATION(COST OF IMMUNISATION AND VACCINE ONLY SEP plus a dispensing fee, limited to R 1 360 per beneficiary

CERVICAL CANCER VACCINE(COST OF VACCINE ONLY)

Females between 9 and 16 years of age(SEP plus dispensing fee)

ONE HIV VCT TEST 100% cost per beneficiaryMELANOMA SCREENING TEST 100% CBT per adult beneficiary

UMBILICAL STEM CELL HARVESTINGNegotiated discount with Cryo-Save. Note: Please note that CAMAF does not cover expenses related to cord blood stem cell harvesting, testing and storage as this is not treatment for a specific medical condition. The cash discount that is offered is passed directly on to you and is not paid from your health plan benefits.



OTHER BENEFITS (per Benef ic iary) NOT SUBJECT TO THE ANNUAL OVERALL BENEFIT LIMITBASIC AND ADVANCED RADIOLOGY

OUT OF HOSPITALMUST BE PERFORMED BY A REGISTERED RADIOLOGIST, ON

REFERRAL FROM MEDICAL PRACTITIONER ONLY. ADVANCED SCANS (MRI/CT/PET) SUBJECT TO PRE-AUTHORISATION

100% CBT

PATHOLOGYOUT OF HOSPITAL

PERFORMED BY A REGISTERED PATHOLOGIST AND REFERRED BY A MEDICAL PRACTITIONER

100% Negotiated Rate or CBT

POST-HOSPITALISATION CONSULTATIONS AND TREATMENT UP TO 90 DAYS

300% CBT for attending practitioners100% CBT for auxiliary services

MEDICATION FOR ADDITIONAL CHRONIC CONDITIONS(SUBJECT TO PRE-AUTHORISATION) REFER TO

ADDITIONAL CHRONIC CONDITIONS LIST

100% SEP plus a dispensing fee, subject to RP and DSP Consultations 100% CBT

EXTERNAL APPLIANCES IN AND OUT OF HOSPITAL - PURCHASE, HIRE AND MAINTENANCE

HEARING AIDS - 1 CLAIM PER 3 YEARCYCLE FOR OVER 16 YEARS OF AGE, YOUNGER THAN 16 YEARS

OF AGE - 18 MONTH CYCLEWHEELCHAIRS - 3 YEAR CYCLE

INSULIN PUMPS, SUBJECT TOPRE-AUTHORISATION - 4 YEAR CYCLE

BREAST PUMPS AND APNOEA MONITORS - THREE MONTHS PRIOR TO EXPECTED DUE DATE AND WITHIN SIX MONTHS AFTER THE

BIRTH OF THE BABY. SUBJECT TO REGISTRATION ON THE MOTHER TO BE PROGRAMME

100% of cost subject to the overall limit of R 31 370 per beneficiary and subject to the following sub-limits:

Hearing Aids: R 27 170Wheelchairs for Quadriplegics: R 27 170Standard Wheelchairs: R 19 130Insulin Pumps: R 31 370Other external appliances: R 6 830• Baby Apnoea monitors: R 2 100• Breast pumps: R 3 500

INTERNATIONAL TRAVEL COVER R10 million per beneficiary per journey for emergency medical costs while you travel outside South Africa. This cover is for a period of 90 days from your departure from South Africa. Pre-existing conditions are excluded.

NETCARE 911 EMERGENCY SERVICES Unlimited - Subject to Netcare 911 authorisation



TOTAL MONTHLY CONTRIBUTIONAdult R 1 718Child R 898

MONTHlY CONTRIBUTION RATES - VITAl

eSSeNtIal PluS

BENEFIT OPTION QUICK SUMMARY - ESSENTIAl PlUS


atteNDING Dr’s aND SPeCIalIStS: Up to 200% CBt

27 ChroNIC CoNDItIoNS medication and consultations

uNlIMIteD X-rayS aND BlooD teStS IN hospital including MRI and CT scans

SCreeNING BeNeFIt

PSyChotheraPy aND IMMuNISatIoN BeNeFItS










100% CBT100% CBT








CHRONIC PMB CDL MEDICATIONAND TREATMENT - SUBJECT TO PRE-AUTHORISATION AND PROTOCOLS






eSSeNtIal PluSAll benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in





ONE GP CONSULTATION ONLYICD 10 CODE SPECIFIC TO GENERAL CHECK UP ONLY Subject to Medical Savings Account




Subject to Medical Savings Account

PSYCHOTHERAPY 100% CBT limited to R 9 450 per beneficiaryONE DIETICIAN CONSULTATION Subject to Medical Savings Account

ONE DENTISTRY CONSULTATIONGENERAL CHECK UP ONLY - excludes consumables Subject to Medical Savings Account




ONE OPTOMETRIST CONSULTATION Subject to Medical Savings AccountMETABOLIC SCREENING FOR NEW BORN BABIES Subject to Medical Savings Account

IMMUNISATION(COST OF IMMUNISATION AND VACCINE ONLY) SEP plus a dispensing fee, limited to R 1 360 per beneficiary



ONE HIV VCT TEST Subject to Medical Savings AccountMELANOMA SCREENING TEST Subject to Medical Savings Account






REFERRAL FROM MEDICAL PRACTITIONER ONLY.ADVANCED SCANS (MRI/CT/PET) SUBJECT TO PRE-

AUTHORISATION





POST-HOSPITALISATION CONSULTATIONS AND TREATMENT UP TO 90 DAYS Subject to Medical Savings Account


ADDITIONAL CHRONIC CONDITIONS LISTSubject to Medical Savings Account except for Depression












OTHER BENEFITS (per Benef ic iary) SUBJECT TO THE ANNUAL OVERALL DAY-TO-DAY BENEFIT LIMITDAY TO DAY BENEFITS

BENEFITS BELOW ARE SUBJECT TO THE OVERALL ANNUAL LIMIT Limited to funds available in the beneficiary’s Medical Savings Account

GP’S, SPECIALISTS AND DENTISTSCONSULTATIONS, PROCEDURES AND RADIOLOGY PERFORMED BY

THESE PRACTITIONERS; BASIC DENTISTRYSubject to Medical Savings Account

SPECIALISTSCONSULTATIONS, PROCEDURES AND RADIOLOGY PERFORMED BY

THESE PRACTITIONERSSubject to Medical Savings Account

ACUTE MEDICATIONINCLUDING INJECTIONS AND MATERIALS Subject to Medical Savings Account

CASUALTY AND OUT PATIENT TREATMENT AT A HOSPITAL ALL MEDICATIONS WILL BE PAID OUT OF ACUTE MEDICATION

BENEFITSubject to Medical Savings Account

NURSE VISITS Subject to Medical Savings AccountSUPPLEMENTARY HEALTH

AUDIOLOGY, CHIROPRACTORS, DIETICIANS, HOMOEOPATHS, OCCUPATIONAL THERAPY, PHYSIOTHERAPISTS, BIOKINETICISTS,

PODIATRY AND SPEECH THERAPY


ADVANCED DENTISTRYCROWNS, BRIDGES, ORTHODONTICS, DENTURES Subject to Medical Savings Account

OVER THE COUNTER MEDICATION Subject to Medical Savings AccountLASER K

NO APPROVAL FOR SURGERY WHERE SPECTACLES OBTAINED IN PREVIOUS 12 MONTHS

IF THE LASER K BENEFIT IS UTILISED, NO SPECTACLE AND CONTACT LENSE BENEFIT ALLOWED FOR 2 YEARS


ANTE-NATAL FOETAL SCANSPER PREGNANCY Subject to Medical Savings Account

ANTE-NATAL CLASSES Subject to Medical Savings AccountSPECTACLES AND LENSES

FROM OPTOMETRIST ONLY ANNUAL BENEFIT, UNLESS OTHERWISE STATED




MONTHLY RISK CONTRIBUTIONPrincipal R 1 328Adult R 1 056Child R 618

MONTHLY MSA CONTRIBUTIONPrincipal R 440Adult R 351Child R 206

TOTAL MONTHLY CONTRIBUTIONPrincipal R 1 768Adult R 1 407Child R 824

MONTHlY CONTRIBUTION RATES - ESSENTIAl PlUS

NetWorK ChoICe

BENEFIT OPTION QUICK SUMMARY - NETWORK CHOICE

NetWorK hoSPItal: No limits (DSP hospital group is Netcare)

atteNDING Dr’s aND SPeCIalIStS: Up to 100% CBt only at DSP

27 ChroNIC CoNDItIoNS medication and consultations. Includes unlimited appropriate biological drugs and specialised technology and door to door medication delivery

X-rayS aND BlooD teStS Advanced scans limited to R30,000 per family

SCreeNING BeNeFIt

VaCCINeS


INCLUDING CONFINEMENTS, SUBJECT TO PRE-AUTHORISATION 100% DSP tariff as per protocols. The DSP hospital group is Netcare.



Up to 100% CBT 100% CBT





100% CBT100% CBT limited to R30 000 per family

PATHOLOGYIN HOSPITAL 100% CBT

INTERNAL PROSTHESIS SUBJECT TO PRE-AUTHORISATION 100% of cost limited to R30 000 per family

HOME NURSING UP TO 21 DAYS, SUBJECT TO PRE-AUTHORISATION 100% CBT (in lieu of hospitalisation only)

STEP DOWN APPROVED FACILITIES (ONLY, UP TO 90 DAYS) SUBJECT TO PRE-AUTHORISATION 100% DSP Tariff





REFER TO CHRONIC DISEASE LIST100% SEP plus a dispensing fee, subject to MMAP and DSP. Consultations and procedures - at cost


CONDITION AND PRE-AUTHORISATIONMedication - 100% SEP plus a dispensing fee, subject to MMAP and DSP. Consultations and procedures - at cost

ONCOLOGY SUBJECT TO PREAUTHORISATION AND PROTOCOLS Medication - 100% SEP plus a dispensing fee, subject to MMAP and DSP. Consultations and procedures - at cost

SPECIALISED MEDICINE AND TECHNOLOGY SUBJECT TO PREAUTHORISATION AND PROTOCOLS Medication - 100% SEP plus a dispensing fee, subject to MMAP and DSP. Consultations and procedures - at cost

NetWorK ChoICeAll benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in





ONE GP CONSULTATION ONLYICD 10 CODE SPECIFIC TO GENERAL CHECK UP ONLY 100% CBT per beneficiary (Network Doctor only)





PSYCHOTHERAPY 100% CBT limited to R9 450 per beneficiaryONE DENTISTRY CONSULTATION

GENERAL CHECK UP ONLY - excludes consumables 100% CBT per beneficiary (Network Dentist only)




ONE OPTOMETRIST CONSULTATION Refer to spectacle and lenses benefitsMETABOLIC SCREENING FOR NEW BORN BABIES 100% Negotiated Rate per new born baby

IMMUNISATION(COST OF IMMUNISATION AND VACCINE ONLY) SEP plus a dispensing fee, subject to MMAP, limited to R 1 360 per beneficiary



ONE HIV VCT TEST 100% CBT per beneficiary







AUTHORISATION

Basic Radiology: Referrals by DSP or specialist, 100% CBT limited to R3 500 per beneficiaryAdvanced scans: 100% CBT limited to R30 000 per family (referral by DSP or specialist)



Referred by DSP or specialist, 100% CBT, limited to R5 600 per beneficiary


ADDITIONAL CHRONIC CONDITIONS LISTNo Benefit except for Depression







100% of cost limited of R5 400 per beneficiary and subject to DSP referral and subject to the following sub-limits:

• Baby Apnoea monitors: R 1 870 • Breast pumps: R 3 150






the Regulations listed in the Medical Schemes Act.OTHER BENEFITS (per Benef ic iary) SUBJECT TO THE ANNUAL OVERALL DAY-TO-DAY BENEFIT LIMIT

DAY TO DAY BENEFITSBENEFITS BELOW ARE SUBJECT TO THE OVERALL ANNUAL LIMIT

Annual overall limit: Beneficiary specific limits:(a) Medicines R 2 600(b) Advanced Dentistry R 5 440(c) Other R 2 600(d) Specialists R 8 010

GP’S, SPECIALISTS AND DENTISTSCONSULTATIONS, PROCEDURES AND RADIOLOGY PERFORMED BY THESE

PRACTITIONERS; BASIC DENTISTRY100% negotiated rate at a network provider only subject to sublimit (c)


THESE PRACTITIONERS

100% CBTSubject to limit (d)

ACUTE MEDICATIONINCLUDING INJECTIONS AND MATERIALS

100% SEP plus a dispensing fee for basic formulary and 80% SEP plus dispensing fee for extended formulary, both subject to MMAP. Subject to limit (a)

NON-DSP VISITSTO DOCTORS’ ROOMS

One non-network visit per beneficiary or two per family, 20% co-paymentANDOne casualty visit per family (facility fee, consumed meds and materials).Limited to R 1 310Associated claims such as radiology and pathology are not covered unless it is a PMB or DTP.

CASUALTY AND OUT PATIENT TREATMENT AT A HOSPITAL ALL MEDICATIONS WILL BE PAID OUT OF ACUTE MEDICATION BENEFIT

NURSE VISITS 100% CBT subject to limit (c)SUPPLEMENTARY HEALTH



100% CBT limited to R2 180 per beneficiary on referral from DSP only.Subject to limit (c)

BENEFIT SPECIFIC LIMITSADVANCED DENTISTRY

CROWNS, BRIDGES, ORTHODONTICS, DENTURES100% of CBT at network provider only.Subject to limit (b) excluding dental implants

OVER THE COUNTER MEDICATION 80% SEP plus a dispensing fee, subject to MMAP, limited to R1 340 per beneficiary. Subject to limit (a)ANTE-NATAL FOETAL SCANS

PER PREGNANCY 3 scans at 80% CBT. Subject to limit (c)

ANTE-NATAL CLASSES 80% CBT subject to sub-limit R830 Subject to limit (c)

SPECTACLES AND LENSESFROM OPTOMETRIST ONLY ANNUAL BENEFIT, UNLESS OTHERWISE

STATED

The benefit PER BENEFICIARY at a PPN provider would be as follows: For the benefit cycle of 24 months from date of claiming, each beneficiary is entitled to: One Composite Consultation inclusive of a Refraction, Tonometry and Visual Field screening AND EITHER SPECTACLES - A PPN Frame to the value of R150 or R550 off any alternative frame and/or lens enhancements and one pair of lenses: either One pair of Clear Aquity Single Vision; Clear Aquity Bifocal lenses or Clear Aquity Multifocal lenses OR CONTACT LENSES - Contact lenses to the value of R750.The benefit PER BENEFICIARY at a NON PPN provider would be as follows: One consultation per Beneficiary during the Benefit Cycle, limited to a maximum cost of R635 AND EITHER SPECTACLES - A frame benefit of R550 towards the cost of a frame and/or lens enhancements and one pair of lenses: either one pair of clear single vision spectacle lenses limited to R150 per lens or one pair of clear flat top bifocal spectacle lenses limited to R325 per lens or one pair of clear flat top Multifocal lenses limited to R570 per lens OR CONTACT LENSES - Contact Lenses to the value of R750.

R 0 - R 14 910

Principal R 1 146Adult R 9621st Child(rest are free) R 500

R 14 911 - R 20 000

Principal R 1 361Adult R 1 0871st Child(rest are free) R 615

R 20 001 - R 30 000Principal R 1 624Adult R 1 264Child R 815Principal R 2 158

R 30 001 + Adult R 1 751Child R 1 065

MONTHlY CONTRIBUTION RATES - NETWORK CHOICE

FIrSt ChoICe

BENEFIT OPTION QUICK SUMMARY - FIRST CHOICE



27 ChroNIC CoNDItIoNS medication and consultations. Includes unlimited appropriate biological drugs and specialised technology and door to door medication delivery

X-rayS aND BlooD teStS Advanced scans limited to R30,000 per family

SCreeNING BeNeFIt

80% oF GP, Specialists, Dental, Optometry, Check-ups, ECG, Vaccines





Up to 100% CBT 100% CBT





100% CBT100% CBT limited to R30 000 per family

PATHOLOGYIN HOSPITAL 100% CBT

INTERNAL PROSTHESIS SUBJECT TO PRE-AUTHORISATION 100% of cost limited to R30 000 per family

HOME NURSING UP TO 21 DAYS, SUBJECT TO PRE-AUTHORISATION 100% CBT (in lieu of hospitalisation only)








CONDITION AND PRE-AUTHORISATIONMedication - 100% SEP plus a dispensing fee, subject to RP and DSP. Consultations and procedures - at cost



FIrSt ChoICeAll benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in










PSYCHOTHERAPY 100% CBT limited to R9 450 per beneficiaryONE DENTISTRY CONSULTATION

GENERAL CHECK UP ONLY - excludes consumables 100% CBT per beneficiary




ONE OPTOMETRIST CONSULTATION Refer to spectacle and lenses benefitsMETABOLIC SCREENING FOR NEW BORN BABIES 100% Negotiated Rate per new born baby

IMMUNISATION(COST OF IMMUNISATION AND VACCINE ONLY) SEP plus a dispensing fee, subject to MMAP, limited to R 1 360 per beneficiary



ONE HIV VCT TEST 100% CBT per beneficiary


FIrSt ChoICeAll benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in


FIrSt ChoICeAll benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in the Regulations listed in the Medical Schemes Act.




AUTHORISATION

Basic Radiology: 100% CBT limited to R3 500 per beneficiaryAdvanced scans: 100% CBT limited to R30 000 per family



100% CBT limited to R5 600 per beneficiary


ADDITIONAL CHRONIC CONDITIONS LISTNo Benefit except for Depression







100% of cost in hospital and 80% of cost out of hospital with an overall limit of R5 400 per beneficiary and subject to the following sub-limits:

• Baby Apnoea monitors: R 1 870 • Breast pumps: R 3 150



OTHER BENEFITS (per Benef ic iary) SUBJECT TO THE ANNUAL OVERALL DAY-TO-DAY BENEFIT LIMIT


Annual overall limit: Beneficiary specific limits:(a) Medicines R 2 600(b) Advanced Dentistry R 5 440(c) Other R 2 600(d) Specialists R 8 010


PRACTITIONERS; BASIC DENTISTRY

80% CBTSubject to limit (c)


THESE PRACTITIONERS

80% CBTSubject to limit (d)

ACUTE MEDICATIONINCLUDING INJECTIONS AND MATERIALS 80% SEP plus a dispensing fee, subject to MMAP. Subject to limit (a)

CASUALTY AND OUT PATIENT TREATMENT AT A HOSPITAL ALL MEDICATIONS WILL BE PAID OUT OF ACUTE MEDICATION BENEFIT

Medication: 80% SEP plus a dispensing fee subject to limit (a)Treatment: 80% CBT subject to limit (c)

NURSE VISITS 80% CBT subject to limit (c)SUPPLEMENTARY HEALTH



80% CBT subject to sub-limit R2 180Subject to limit (c)

BENEFIT SPECIFIC LIMITSADVANCED DENTISTRY

CROWNS, BRIDGES, ORTHODONTICS, DENTURES50% CBTSubject to limit (b) excluding dental implants

OVER THE COUNTER MEDICATION 80% SEP plus a dispensing fee, subject to MMAP, limited to R 1 340 per beneficiary. Subject to limit (a)ANTE-NATAL FOETAL SCANS

PER PREGNANCY 3 scans at 80% CBT. Subject to limit(c)

ANTE-NATAL CLASSESSUBJECT TO ENROLMENT ON THE MOTHER-TO-BE PROGRAMME

80% CBT subject to sub-limit R830Subject to limit (c)


STATED

The benefit PER BENEFICIARY at a PPN provider would be as follows: For the benefit cycle of 24 months from date of claiming, each beneficiary is entitled to: One Composite Consultation inclusive of a Refraction, Tonometry and Visual Field screening AND EITHER SPECTACLES - A PPN Frame to the value of R150 or R550 off any alternative frame and/or lens enhancements and one pair of lenses: either One pair of Clear Aquity Single Vision; Clear Aquity Bifocal lenses or Clear Aquity Multifocal lenses OR CONTACT LENSES - Contact lenses to the value of R750.The benefit PER BENEFICIARY at a NON PPN provider would be as follows: One consultation per Beneficiary during the Benefit Cycle, limited to a maximum cost of R635 AND EITHER SPECTACLES - A frame benefit of R550 towards the cost of a frame and/or lens enhancements and one pair of lenses: either one pair of clear single vision spectacle lenses limited to R150 per lens or one pair of clear flat top bifocal spectacle lenses limited to R325 per lens or one pair of clear flat top Multifocal lenses limited to R570 per lens OR CONTACT LENSES - Contact Lenses to the value of R750.

FIrSt ChoICeAll benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in the Regulations listed in the Medical Schemes Act.

Income Category Total Monthly Contribution

R 0 - R 7 720Adult R 763Child R 462

R 7 721 - R 14 910Adult R 1 211Child R 716

R 14 911 - R 20 000Adult R 1 811Child R 1 056

R 20 001 - R 30 000Adult R 2 250Child R 1 475

R 30 001 +Adult R 2 455Child R 1 600

MONTHlY CONTRIBUTION RATES - FIRST CHOICE

DouBle PluS

BENEFIT OPTION QUICK SUMMARY - DOUBlE PlUS



63 ChroNIC CoNDItIoNS medication and consultations. Includes unlimited appropriate biological drugs and specialised technology

uNlIMIteD X-rayS aND BlooD teStS IN and OUT of hospital including MRI and CT scans

SCreeNING BeNeFIt



CheCK-uPS aND VaCCINeS: GP, Specialist, Dental, Optometry, ECG

INFertIlIty R47 700 per family










100% CBT100% CBT







INFERTILITY TREATMENT Treatment limited to R47 700 per family








DouBle PluSAll benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in
















IMMUNISATION(COST OF IMMUNISATION AND VACCINE ONLY) SEP plus a dispensing fee, limited to: Adults R2 040 - Child R3 400



ONE HIV VCT TEST 100% CBT per beneficiaryMELANOMA SCREENING TEST 100% CBT per adult beneficiary







AUTHORISATION

100% CBT

PATHOLOGYOUT OF HOSPITAL - PERFORMED BY A REGISTERED PATHOLOGIST AND

REFERRED BY A MEDICAL PRACTITIONER100% Negotiated Rate or CBT












100% of cost subject to the overall limit of R 54 480 per beneficiary and subject to the following sub-limits:Hearing Aids: R 54 480Wheelchairs for Quadriplegics: R 54 480Standard Wheelchairs: R 34 750Insulin Pumps: R 35 460Other external appliances: R 11 610 • Baby Apnoea monitors: R 2 100 • Breast pumps: R 3 500







Annual Overall LimitsAdult R 10 090Child R 7 050


PRACTITIONERS; BASIC DENTISTRY80% CBT


THESE PRACTITIONERS80% CBT

ACUTE MEDICATIONINCLUDING INJECTIONS AND MATERIALS 80% SEP plus a dispensing fee

CASUALTY AND OUT PATIENT TREATMENT AT A HOSPITAL ALL MEDICATIONS WILL BE PAID OUT OF ACUTE MEDICATION BENEFIT 80% CBT

NURSE VISITS 80% CBT up to 21 daysSUPPLEMENTARY HEALTH



80% CBT

ADVANCED DENTISTRYCROWNS, BRIDGES, ORTHODONTICS, DENTURES

80% CBT limited to:Mo R 10 090M1 R 14 450M2+ R 19 530

OVER THE COUNTER MEDICATION 80% SEP plus a dispensing fee, limited to R 1 500 per beneficiaryLASER K



80% CBT limited to R3 790 per eye

ANTE-NATAL FOETAL SCANSPER PREGNANCY 4 Scans at 80% CBT

ANTE-NATAL CLASSES 80% CBT limited to R1 500 per pregnancy


STATED

Consultation: See Preventative WellnessAdd ons R 890Single vision R 890 - ORBifocal R 2 400 - ORVarifocal R 3 680 - ANDFrames R 2 460 - ORContact lenses R 3 400 Lenses & Add ons 80% Optical Assistant Rates and Frame 80% of Cost



MONTHLY RISK CONTRIBUTIONAdult R 2 659Child R 1 528

MONTHLY MSA CONTRIBUTIONAdult R 338Child R 214

TOTAL MONTHLY CONTRIBUTIONAdult R 2 997Child R 1 742

MONTHlY CONTRIBUTION RATES - DOUBlE PlUS

allIaNCe

BENEFIT OPTION QUICK SUMMARY - AllIANCE

aNy PrIVate hoSPItal: No limits, private wards


64 ChroNIC CoNDItIoNS medication and consultations. Includes unlimited appropriate biological drugs and specialised technology

uNlIMIteD X-rayS aND BlooD teStS IN and OUT of hospital including MRI and CT scans

SCreeNING BeNeFIt



CheCK-uPS aND VaCCINeS: GP, Specialist, Dental, Optometry, Dermatologist, ECG, Dietician

INFertIlIty R68 120 per family


INCLUDING CONFINEMENTS, SUBJECT TO PRE-AUTHORISATION 100% of Negotiated Rate in general ward and specialised units. Private ward for confinements (subject to availability)








100% CBT100% CBT







INFERTILITY TREATMENT Treatment limited to R68 120 per family








allIaNCeAll benefits listed below are annual, unless otherwise stated. Where a condition qualifies as a PMB and is registered with the Scheme, payment will be governed by the legislation set out in
















IMMUNISATION(COST OF IMMUNISATION AND VACCINE ONLY) SEP plus a dispensing fee, limited to R4 100 per beneficiary



ONE HIV VCT TEST 100% CBT per beneficiaryMELANOMA SCREENING TEST 100% CBT per adult beneficiary







AUTHORISATION

100% CBT

PATHOLOGYOUT OF HOSPITAL - PERFORMED BY A REGISTERED PATHOLOGIST AND

REFERRED BY A MEDICAL PRACTITIONER100% Negotiated Rate or CBT












100% of cost subject to the overall limit of R 68 120 per beneficiary and subject to the following sub-limits:Hearing Aids: R 68 120Wheelchairs for Quadriplegics: R 68 120Standard Wheelchairs: R 40 820Insulin Pumps: R 40 820Other external appliances: R 13 650 • Baby Apnoea monitors: R 2 100 • Breast pumps: R 3 500







Annual Overall LimitsAdult R 25 780Child R 16 200


PRACTITIONERS; BASIC DENTISTRY80% CBT


THESE PRACTITIONERS80% CBT

ACUTE MEDICATIONINCLUDING INJECTIONS AND MATERIALS 80% SEP plus a dispensing fee

CASUALTY AND OUT PATIENT TREATMENT AT A HOSPITAL ALL MEDICATIONS WILL BE PAID OUT OF ACUTE MEDICATION BENEFIT 80% CBT

NURSE VISITS 80% CBT up to 21 daysSUPPLEMENTARY HEALTH



80% CBT

ADVANCED DENTISTRYCROWNS, BRIDGES, ORTHODONTICS, DENTURES

80% CBT limited to:Mo R 13 520M1 R 20 230M2+ R 24 270

OVER THE COUNTER MEDICATION 80% SEP plus a dispensing fee, limited to R 3 400 per beneficiaryLASER K



80% CBT limited to R10 205 per eye

ANTE-NATAL FOETAL SCANSPER PREGNANCY 6 Scans at 80% CBT

ANTE-NATAL CLASSES 80% CBT limited to R2 040 per pregnancy


STATED

Consultation: See Preventative WellnessAdd ons R 1 080Single vision R 1 360 - ORBifocal R 2 730 - ORVarifocal R 4 100 - ANDFrames R 5 420 - ORContact lenses R 6 830Lenses & Add ons 80% Optical Assistant Rates and Frame 80% of Cost



MONTHLY RISK CONTRIBUTIONAdult R 4 015Child R 2 189

MONTHLY MSA CONTRIBUTIONAdult R 517Child R 240

TOTAL MONTHLY CONTRIBUTIONAdult R 4 532Child R 2 429

MONTHlY CONTRIBUTION RATES - AllIANCE

DOUBLE PLUSVITAL FIRST CHOICE

Totalmonthly contribution

Total Monthly Contribution

Adult R 1 718Child R 898

Monthly Risk Contribution

Principal R 1 328Adult R 1 056Child R 618

Monthly MSA Contribution

Principal R 440Adult R 351Child R 206


Principal R 1 768Adult R 1 407Child R 824

Income Category

R 0 - R 14 910Principal R 1 146Adult R 9621st Child R 500(rest are free)

R 14 911 - R 20 000Principal R 1 361Adult R 1 0871st Child R 615(rest are free)

R 20 001 - R 30 000Principal R 1 624Adult R 1 264Child R 815

R 30 001 +Principal R 2 158Adult R 1 751Child R 1 065

Income Category

R 0 - R 7 720Adult R 763Child R 462

R 7 721 - R 14 910Adult R 1 211Child R 716

R 14 911 - R 20 000Adult R 1 811Child R 1 056

R 20 001 - R 30 000Adult R 2 250Child R 1 475

R 30 001 +Adult R 2 455Child R 1 600


Adult R 2 659Child R 1 528


Adult R 338Child R 214






Adult R 517Child R 240



ESSENTIAL PLUS NETWORK CHOICE ALLIANCE

http://www.camaf.co.za/products/products_calculator.htmlclick here

to link to our online calculator

MONTHlY CONTRIBUTION RATES

http://www.camaf.co.za/products/products_calculator.html

CHRONIC DISEASE lIST - PMB CDl Conditions - All OptionsCoNDItIoN CoNSultatIoNS leVel oF CoNSultatIoN CoVer

ADDISON’S DISEASE General Practitioner (GP), Physician, Paediatrician, Endocrinologist 100% COST

ASTHMA* GP, Physician, Pulmonologist, Paediatrician, Physiotherapist 100% COST

BIPOlAR MOOD DISORDER* Psychiatrist, Clinical Psychologist, Social Worker 100% COST

BRONCHIECTASIS* GP, Physician, Pulmonologist, Physiotherapist 100% COST

CARDIAC FAIlURE GP, Physician, Cardiologist, Dietician 100% COST

CARDIOMYOPATHY GP, Physician, Cardiologist, Dietician 100% COST

CHRONIC OBSTRUCTIVE PUlMONARY DISORDER (COPD)* GP, Physician, Pulmonologist, Physiotherapist 100% COST

CHRONIC RENAl DISEASE GP, Physician, Urologist, Dietician 100% COST

CORONARY ARTERY DISEASE GP, Physician, Cardiologist, Dietician 100% COST

CROHN’S DISEASE GP, Gastroenterologist, Dietician, Physician 100% COST

DIABETES INSIPIDUS GP, Physician, Urologist, Paediatrician, Endocrinologist 100% COST

DIABETES MEllITUS (TYPE 1 AND TYPE 2)*** GP, Physician, Paediatrician, Ophthalmologist, Dietician, Podiatrist, Endocrinologist 100% COST

DYSRHYTHMIA GP, Physician, Cardiologist, Paediatrician 100% COST

EPIlEPSY GP, Physician, Neurologist, Occupational Therapist, Speech Therapist, Physiotherapist, Paediatrician 100% COST

GlAUCOMA GP, Physician, Ophthalmologist 100% COST

HAEMOPHIlIA A & B GP, Physician, Paediatrician, Haematologist 100% COST

HIV/AIDS** GP, Physician, Paediatrician 100% COST

HYPERlIPIDAEMIA* GP, Physician, Cardiologist, Paediatrician, Dietician 100% COST

HYPERTENSION* GP, Physician, Cardiologist, Dietician 100% COST

HYPOTHYROIDISM GP, Physician, Paediatrician 100% COST

MUlTIPlE SClEROSIS GP, Physician, Neurologist, Ophthalmologist, Urologist, Occupational Therapist, Physiotherapist 100% COST

PARKINSON’S DISEASE GP, Physician, Neurologist 100% COST

RHEUMATOID ARTHRITIS GP, Physician, Ophthalmologist, Orthopaedics, Rheumatologist, Paediatrician 100% COST

SCHIZOPHRENIA* Psychiatrist, Clinical Psychologist, Social Worker, Occupational Therapist 100% COST

SYSTEMIC lUPUS ERYTHEMATOSIS GP, Physician, Dermatologist, Paediatrician, Rheumotologist 100% COST

UlCERATIVE COlITIS Gastroenterologist, Dietician, GP, Physician, Rheumotologist 100% COST

In terms of the Medical Schemes Act Regulations that came into effect on 1 January 2004, Medical Schemes are required to fund the cost of the diagnosis, medical management (consultations and procedures) and medication of the specified list of chronic conditions. All of these conditions are covered by CAMAF

CHRONIC DISEASE lIST - Additional Chronic Conditions- Alliance, Double Plus and Vital options

CoNDItIoN CoNSultatIoNS leVel oF CoNSultatIoN CoVerADHD (Alliance only) Paediatrician, Neurologist, Psychiatrist 100% CBTAGRANUlOCYTOSIS Physician 100% CBTAllERGIC RHINITIS GP, Ear Nose and Throat Specialist (ENT), Paediatrician 100% CBTAlZHEIMER’S DISEASE Neurologist, Psychiatrist 100% CBTANAEMIAS: APlASTIC, HAEMOlYTIC, SICKlE CEll Physician 100% CBTANKYlOSING SPONDYlITIS Physician, Rheumatologist 100% CBTBENIGN PROSTATIC HYPERTROPHY Urologist 100% CBTCHRONIC GRANUlOMATOUS DISEASE Physician 100% CBTCOAGUlATION DISORDERS Cardiologist, Physician, Clinical Haemotologist 100% CBTCONGENITAl HEART MAlFORMATIONS Physician, Cardiologist, Paediatrician 100% CBTCYSTIC FIBROSIS Physician, Physiotherapist, Pulmonologist, Paediatrician, GP 100% CBTDEEP VEIN THROMBOSIS Physician 100% CBTDEPRESSION (includes First Choice and Essential Plus) GP, Psychiatrist, Clinical Psychologist, Social Worker 100% CBTECZEMA Dermatologist, GP 100% CBTENDOMETRIOSIS Gynaecologist 100% CBTGASTRO-OESOPHAGEAl REFlUX DISEASE (GORD) GP, Gastroenterologist, Physician, Paediatrician 100% CBTGAUCHERS DISEASE Physician, Paediatrician 100% CBTGOUT PROPHYlAXIS GP 100% CBTHORMONE REPlACEMENT GP 100% CBTHYPERPARATHYROIDISM Physician 100% CBTHYPERTHYROIDISM GP, Paediatrician 100% CBTMENIERE’S DISEASE GP, Ear Nose and Throat Specialist (ENT) 100% CBTMIGRAINE PROPHYlAXIS GP, Neurologist 100% CBTMUSCUlAR DYSTROPHY Neurologist, Physician, Paediatrician 100% CBTMYASTHENIA GRAVIS Physician 100% CBTNARCOlEPSY Neurologist 100% CBTORGAN TRANSPlANT Appropriate multi disciplinary team 100% CBTOSTEOARTHRITIS Physician, Rheumatologist, GP 100% CBTOSTEOPOROSIS Physician, Gynaecologist, GP 100% CBTPlEGIA; HEMI, PARA & QUAD Physician, Orthopaedic Surgeon, Physiotherapist, Urologist, Neurologist, Occupational Therapist, Paediatrician, Speech Therapist, GP 100% CBTPOlYCYSTIC OVARIAN SYNDROME Gynaecologist 100% CBTPSORIASIS Dermatologist 100% CBTRESTRICTIVE lUNG DISEASE Pulmonologist, Physician 100% CBTTHAlASSAEMIA Physician 100% CBTTRANSIENT ISCHAEMIC ATTACK / STROKE Physician, Neurologist 100% CBTTUBERCUlOSIS GP 100% CBTVAlVUlAR HEART DISEASE Physician, Cardiologist, Paediatrician 100% CBT

BENEFIT OPTION CHANGE 2016

What makes CAMAF truly unique is the combinationof excellent cover, unmatched service and support and our real

commitment to ensuring that in both good times and bad,we’re here for our members.

Nurture your health2016

BeNeFIt oPtIoN ChaNGe

What makes CAMAF truly unique is the combination

of excellent cover, unmatched service and support and our real

commitment to ensuring that in both good times and bad,

we’re here for our members.

Nurture your health2016BeNeFIt oPtIoN ChaNGe

click here

to change your Benefit Option for 2016

ICD10 CODES 2016BeNeFIt PraCtICe tyPe ICD 10 CODES ICD 10 DESCRIPTIONGP Consultation GP (14) Z00.0 General Medical Examination

Z00.1 Routine Child Health ExaminationZ00.8 Other General ExaminationsZ01.3 Examination Of Blood PressureZ01.4 Gynaecological Examination (General)(Routine)Z10.8 Routine General Health Check-Up Of Other Defined SubpopulationsZ12.4 Special Screening Examination For Neoplasm Of CervixZ12.5 Special Screening Examination For Neoplasm Of ProstateZ13.1 Special Screening Examination For Diabetes MellitusZ13.6 Special Screening Examination For Cardiovascular Disorders

Specialist Consultation Paediatrician (32) Z00.0 General Medical ExaminationZ00.1 Routine Child Health ExaminationZ00.8 Other General ExaminationsZ10.8 Routine General Health Check-Up Of Other Defined Subpopulations

Specialist Consultation Gynaecologist (16) Z00.0 General Medical ExaminationSpecialist Physician (18) Z00.8 Other General ExaminationsUrologist (46) Z01.3 Examination Of Blood Pressure

Z01.4 Gynaecological Examination (General)(Routine)Z10.8 Routine General Health Check-Up Of Other Defined SubpopulationsZ12.4 Special Screening Examination For Neoplasm Of CervixZ12.5 Special Screening Examination For Neoplasm Of ProstateZ13.1 Special Screening Examination For Diabetes MellitusZ13.6 Special Screening Examination For Cardiovascular Disorders

Melanoma Screening Dermatologist (12) Z12.8 Special Screening Examination for Neoplasm of other sitesZ12.9 Special Screening Examination for Neoplasm, unspecifiedD22.0 Melanocytic naevi of lipD22.1 Melanocytic naevi of eyelid, including canthusD22.2 Melanocytic naevi of ear and external auricular canalD22.3 Melanocytic naevi of other and unspecified parts of faceD22.4 Melanocytic naevi of scalp and neckD22.5 Melanocytic naevi of trunkD22.6 Melanocytic naevi of upper limb, including shoulderD22.7 Melanocytic naevi of lower limb, including hipD22.9 Melanocytic naevi, unspecified

CONTACT USLIFESENSE (HIV DISEASE MANAGEMENT PROGRAMME)24 Hour Call Centre 0860 506 080E-mail [email protected] PROGRAMMETelephone 0860 100 544E-mail [email protected] 911Emergency Number 082 911Telephone 011 254 1911Fax 011 254 1950Namibia 09264 61 230 612PMB DTP AUTHORISATIONFax 011 707 8866E-mail [email protected] PROGRAMMETelephone 0861 700 600 (Option 3)Fax 011 707 8622E-mail [email protected] 0861 700 600 (Option 4)Fax 011 707 8747E-mail [email protected] (LOYALTY PROGRAMME)General Enquires 0861 886 600E-mail [email protected] www.momentum.co.za/multiplyINTERNATIONAL TRAVEL INSURANCE DESKTelephone 0860 100 484 (RSA) or +27 (0)11 521 4000 (International)FOR FIRST CHOICE AND NETWORK CHOICE MEMBERS ONLYPPN CALL CENTRETelephone 0860 103 529Post Claims To PO Box 12450, Centrahil, 6006Website www.ppn.co.za

CAMAFClient Relations 0860 100 545E-mail [email protected] 0861 113 676Reception 0861 700 600Hospital Pre-authorisations 0860 100 544Hospital Pre-authorisations Fax 011 706 9946Hospital Pre-authorisations E-mail [email protected] Pre-authorisations Online www.camaf.co.zaWebsite www.camaf.co.zaMembership Fax 011 707 8735Post Claims to: PO Box 2964, Randburg, 2125CAMAF LIFESTYLE PROGRAMMETelephone 0860 200 911E-mail [email protected]/ONCOLOGY DISEASE MANAGEMENT PROGRAMMETelephone 011 707 8461Fax 011 707 8466E-mail [email protected] SUPPORT LINETelephone 0860 100 544CENTRE FOR DIABETES AND ENDOCRINOLOGY (CDE) DISEASE MANAGEMENT PROGRAMMEEmergency Contact Number 082 456 7844General Enquires 011 712 6000Website www.cdecentre.co.zaCHRONIC CONDITION AUTHORISATIONTelephone for:Doctors and Pharmacists only 0800 200 300Members 0861 700 600 (Option 3)Fax 011 707 8622E-mail [email protected] WELLNESS PROGRAMMETelephone 0860 100 544Fax 011 707 8747E-mail [email protected] AND HYPERLIPIDEMIA PROGRAMMETelephone 0861 700 600 (Option 3)Fax 011 707 8622E-mail [email protected]

BENEFITS BROCHURE 2016 - CAMAFBENEFITS BROCHURE 2016 Nurture your health ABOUT US The Chartered...

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