Benefi t Guide 2008

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Benefi t Guide 2008

  1. 1. ACCESSIBLE AFFORDABLE RELIABLE Benefit Guide 2008
  2. 2. Highlights of your 2008 benefits Dental and optical benefits are now included on the Primary Network option. An additional income category (R0 – R3 000) has been introduced on the Primary Network option, making it even more affordable for low income earners. Formula baby food is now included as an additional benefit for mothers infected with HIV/AIDS, in order to ensure infection-free babies. Stoma bags for colonic cancer patients are now paid for through the oncology benefit. An enhanced renal dialysis benefit will minimise the risk of members running out of funds halfway through the year.
  3. 3. Benefit Guide 2008 Contents Unique value proposition . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 The Sizwe options . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 Which option is right for you?. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 Glossary . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3 Helpful admin and contact details . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 Sizwe branches and offices . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 Important contact numbers. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 Benefit Management Programmes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 Wellness Programmes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 The PMB chronic conditions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11 Benefits for 2008 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 Traditional options . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 Network options . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16 Contributions for 2008 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20 Sizwe Benefit Guide 2008 – 1
  4. 4. Unique value proposition Why is Sizwe right for you? Product range Sizwe Medical Fund was formed in 1978 to provide At Sizwe Medical Fund our products are made to cater affordable medical aid cover to all South Africans. Our for all South Africans. Our options are divided into two unique experience in this area has made us leaders when it easy categories to help you make the right choice. There comes to recognising, and catering for, South Africa’s needs. is the Traditional range of options, which has a good set Sizwe’s slogan – “Caring for the Health of the Nation” – of benefits with generous limits, and the Network options demonstrates our approach: over the years we have come where you choose a specific provider within a network. to understand what our members need and what South Africans want from a medical scheme. This knowledge has IMPORTANT: Benefits and contributions have been submitted helped us to structure our products in the most affordable to the Registrar of Medical Schemes. This brochure is for way to suit different pockets. information purposes only and does not supersede the Rules As a result the Fund has grown into one of the larger of the Fund. A full set of the Rules is available on our website: open schemes in South Africa. The Fund is administered by www.sizwe.co.za. Sechaba Medical Solutions (Pty) Limited (SMS). The Sizwe options Traditional options Network options • Primary • Primary Network • Affordable • Affordable Network • Full Benefit Which option is right for you? TRADITIONAL OPTIONS If you want: Then choose: • Free choice of doctor. • Primary (very affordable, suitable for most people). • A good range of benefits. IMPORTANT: This option is not recommended for those over • Good value. 55 looking for more comprehensive benefits. If you need: Then choose: • More comprehensive benefits (especially medication). • Affordable (middle of the road), or • Full Benefit (offering the most cover). NETWORK OPTIONS If you want to: Then these options are tailor-made for you: • See your doctor as many times as is medically necessary • Primary Network, or during the year. • Affordable Network. • Receive as much medication (acute and chronic) as you need throughout the entire year. And if you are prepared to: • Choose a new doctor or dentist from a list of network providers. • Receive your medicines from a list drawn up by the doctor network. 2 – Sizwe Benefit Guide 2008
  5. 5. Glossary Acute medicines: Medicines for short-term illness and Maxillo-facial: Surgery to the bone structures of the face medical problems and jaw Angiograms: X-rays of the arteries using special colouring National Health Reference Price List (NHRPL): Medical of the blood aid rates recommended by the Council for Medical Schemes Audiology: This measures your hearing and corrects hearing Occupational therapy: Mental or physical activity designed problems to help you recover from an injury or a disease Child dependant: A child remains on child rates until the Oncology: The treatment of cancer age of 25. A disabled registered dependant will remain on Orthodontic: This is when your dentist treats irregularities child rates for life of your teeth or jaw (such as very crooked teeth, or an Chiropractor: This person primarily treats the spine incorrect bite) Chronic benefit entry criteria: Diagnostic tests to confirm Out-of-area (Network options only): Where there is no a chronic illness, eg, blood tests or ECG reports, etc Provider Network facility in the area, members can make Chronic disease list: A list of chronic illnesses for which limited use of a doctor outside of this area Sizwe provides funding from the chronic medicine benefit Pharmacy Advised Therapy (PAT): Medicine Chronic medicines: Medicines used to manage conditions recommended by your pharmacist and which falls within the as listed on the Sizwe chronic disease list self-medication category Clinical management: The rules that apply to treating Pathology: Testing of body fluids, especially tissue and specific conditions as well as medical procedures blood, to correctly diagnose disease Conservative dentistry: Simple dental services, such as Physiotherapy: The physical treatment of disease, injury or fillings, tooth removal (extractions) and teeth cleaning deformity using methods such as heat, massage and exercise Consultation: A visit to your doctor, surgeon or other Prescribed Minimum Benefits (PMBs): The Registrar of provider to get a diagnosis and/or treatment Medical Schemes requires all medical schemes to offer a number of minimum benefits to all its members. PMBs cover CT and MRI scans: Special X-rays taken of the inside of your specific chronic conditions (subject to pre-authorisation) as body to try to find the cause of an illness well as hospital treatment Sizwe Dental Benefit Management Programme: A Podiatry: The treatment of superficial disorders of the toes behind-the-scenes cost and quality programme used by and feet Sizwe Pre-authorisation: Getting permission from Sizwe before Dietetics: This shows you how to manage your diet receiving treatment Designated Service Provider (DSP): Providers of medical Prosthesis: An artificial replacement for a body part, such services with whom Sizwe has negotiated special rates as a leg, arm or breast (non-surgical) and the hip or shoulder Formulary: A list of medicines that will be paid by Sizwe (surgical) according to the specific chronic illness and option chosen Psychology: The study (and treatment) of the human mind GAP cover: The difference between NHRPL rates and higher and how it affects our behaviour rates approved by the Board of Trustees on the Full Budget Rehabilitation: Treatment to help you get back to a normal option, subject to certain conditions life following injury or disease Generic: A medicine that has the same ingredients and Radiology: X-ray diagnosis of injury or disease which works the same as a well-known brand medicine. It is usually a lot cheaper Specialised dentistry: Reconstructive surgery providing, for example, caps, crowns and bridges. This typically requires the Homeopathy: Therapy based on the use of minute doses of services of a dental technician medicine to treat disease Treatment protocols: The rules and processes that are Implantology: When your dentist inserts special metal roots followed for treating a specific condition into your jawbone to replace missing teeth 100% of cost: The full fee charged by a doctor who does Laparoscopic surgery: Special “key-hole” surgery not charge NHRPL rates where instruments are inserted through a small cut in the 100% of tariff: The price of medicine as set by the abdominal wall to reach the organs in the area Government Sizwe Benefit Guide 2008 – 3
  6. 6. Helpful admin and contact details How to submit your claims Late-joiner penalties and waiting periods Be sure to submit your claims correctly in order to avoid any New members who join Sizwe and are over the age of 35 delays in payment. Mail or deliver your account as quickly as years, may have to pay late-joiner contributions. Other possible to your nearest Sizwe branch. See details on page 5. members joining may have a three-month waiting period. 1. Send only the first account you receive. Do not send The Fund also looks at whether the applicant was previously statements or duplicate invoices. on a medical scheme (and if so, for how long), and whether 2. Some doctors offer a discount if you settle the account there was a large gap in membership between the previous immediately. If you have already paid the account, attach medical scheme and the time of joining Sizwe. your receipt and mark the account “Refund Member”. This matter is currently under review, pending changes to 3. All accounts must show full details of your membership. the Medical Schemes Act. Please check that your account shows: • provider’s name and practice number; • principal (main) member’s name and initials; Hospital admission procedure • principal member’s medical aid number; HOSPITAL PRE-AUTHORISATION – 0860 10 11 76 • the treatment date; Before you are admitted to hospital, you must phone for • name of patient (as listed on your membership card) – if pre-authorisation. This telephone call is important because it the patient is not the main member, please list their date helps the administrator confirm the procedure and appoint of birth and ID number as well; a designated case manager who will ensure that the rate • amount charged; charged by the hospital is correct. This will help you avoid • tariff code (the doctor will fill in the ICD-10 code); and having to settle an account or make co-payments when you • diagnosis made by doctor or specialist. are discharged from hospital. As proof that you have received the treatment that is being charged for on the account, please sign the account before submitting it to Sizwe. Our administrator, SMS, pays claims to providers every week and you will receive a monthly statement that shows all claims received and paid for since the previous statement. SMS allows pharmacies to submit claims real time, on-line. This means that when receiving your medication at the pharmacy, you will know almost immediately whether your claim has been accepted by Sizwe. IMPORTANT • Only claims received within four months of date of treatment will be paid. • Why wait for your refund cheque to be sent to you in the mail? Sizwe can transfer any money owing to you electronically so that it appears directly in your cheque or savings account. To benefit from this Electronic Funds Transfer (EFT) service please fill in the special EFT form, available at your nearest Sizwe branch or on the website. 4 – Sizwe Benefit Guide 2008
  7. 7. Sizwe branches and offices Call Customer Services on 0860 10 08 71 from anywhere in South Africa, or contact the branch nearest to you with any scheme-related queries: Physical address Postal address Telephone Fax Cape Town: PO Box 2964, 021 409-5600 021 418-7274 22nd Floor, Golden Acre, Adderley Street Cape Town 8000 Durban: PO Box 999, 031 332-7826 031 332-7824 Shop 4, The Embassy, 199 Smith Street Durban 4000 East London: PO Box 19576, 043 726-4891 043 726-4893 7c Derby Road, Berea Tecoma 5214 Johannesburg: PO Box 260709, 4th Floor, 56 Von Wielligh Street, Cnr Market & Von Wielligh Streets Excom 2028 0860 10 08 71 Port Elizabeth: PO Box 421, Port 041 503-5355 041 363-1723 Ground Floor, Greyville House, Ring Road, Greenacres Elizabeth 6000 Witbank: Walk-in branch only 0860 10 08 71 013 690-3187 6th Floor, Gensec Building, Sanlam Centre, Arras Street EMAIL: queries@sizwe.co.za WEBSITE: www.sizwe.co.za Important contact numbers For all your scheme-related queries phone: 0860 10 08 71 Below are specific contact numbers for our Benefit and Wellness Programmes: HOSPITAL AUTHORISATION – Hospital Benefit Management 0860 10 11 76 Programme 0860 10 34 55 or 011 353-0030 CHAMPS – Chronic Medication Programme Fax: 011 353-0352/0076 chronic@cheironhealth.co.za 0860 10 95 56 Fax: 011 221-5147 DENTAL BENEFIT MANAGEMENT dental.preauthorisations@sizwe.co.za querydas@sizwe.co.za WELLNESS PROGRAMMES – Helpline for asthma, cardiovascular 0860 10 34 55 disease and diabetes Fax: 011 221-5238 FRAUDLINE – National number to report fraud 0800 63 36 33 0860 10 34 54 YEBO LIFE – HIV/AIDS Management Programme Fax: 011 221-5235/56 EUROP ASSISTANCE SA – Medical emergencies, ambulance services 0860 11 77 99 and medical advice 0860 10 54 07 PALS – Mental health programme Fax: 011 221-5164/73 PRIMARY NETWORK – Calabash 0861 11 46 11 Sizwe Benefit Guide 2008 – 5
  8. 8. Benefit Management Programmes Our Benefit Management Programmes are designed to IMPORTANT: Each member of the family who takes chronic benefit everyone: our members get the most appropriate medication needs to complete a separate application form. care for their illness or condition, while the Fund keeps an You only need to complete one application per person. (See eye on the costs of hospitalisation and medicine expenses. page 11 for a list of chronic conditions.) These programmes are managed by Cheiron Health. To enquire more about the chronic medicine benefit call CHAMPS on 0860 10 34 55 or 011 353-0030. Hospital Management Programme Fax: 011 353-0352/0076 HOSPITAL PRE-AUTHORISATION – 0860 10 11 76 Email: chronic@cheironhealth.co.za The Hospital Management Programme is there to ensure that your hospital care fits your specific needs. As soon as the programme receives a request from you, your doctor, or Yebo Life – HIV/AIDS from a hospital to authorise a procedure in hospital, a case Management Programme manager is appointed to represent you. The case manager, TO REGISTER ON YEBO LIFE CALL – 0860 10 34 54 supported by the medical advisor and clinical team, will CONFIDENTIAL FAX – 011 221-5235/56 ensure that you get the best possible level of care and Yebo Life is the HIV/AIDS Management Programme for appropriate treatment, supported by the benefits in your Sizwe members. It is managed by a team of professionals option. For the programme to be effective, either you as the consisting of doctors, nurses, pharmacists and a clinical member, or the doctor, specialist or hospital, must phone to specialist. obtain the necessary authorisation. This should be done in The team at Yebo Life believes that early diagnosis, advance, preferably 72 hours before admission. education, adherence to treatment regimes and ongoing counselling can help keep you healthy. Those registered on IMPORTANT: In the case of an emergency, the programme the programme are taught to manage their health so that must be notified within 24 hours after admission or the first they can remain active and healthy members of their family, working day after a weekend or a public holiday. A family community and workplace. member or friend can phone on your behalf. HIV is a manageable disease which, if properly treated, will enable those infected to live productive lives. Medication is available to improve the quality of your life, but it must be Chronic Medication Programme prescribed and taken in the early stages. The Chronic Medication Programme allows you to obtain If you know that you are infected, or think that you may certain chronic medication through a benefit that is separate be, call Yebo Life’s confidential HIV helpline or make an from your everyday acute benefit. You can join by registering appointment to see your doctor and seek advice. with Cheiron Health Ambulatory Medicine & Pharmaceutical Confidentiality: People infected with HIV may not want Services (CHAMPS), for a special chronic (extended) medicine others in the workplace or family to know their status, thus, benefit. This is over and above your acute (routine) medicine we at Sizwe and Yebo Life guarantee your confidentiality in benefit. this regard. Everyone has a right to privacy. This means that To join the programme, phone your nearest Sizwe branch employees do not have to declare their HIV status to their and ask for an application form. After your doctor has employer. We will therefore not reveal your status to your examined you and completed the application form, you must employer or family without your consent. send it to CHAMPS for processing. It takes three working days to review an application. You will receive a letter by HOW TO GET HELP: post or fax indicating whether your application has been • Call the Yebo Life call centre or your doctor for advice. accepted. Ask your doctor for a prescription that matches • Visit your doctor or clinic for counselling and testing. the authorisation. Use the authorisation letter, together with • Once your test results are available, call the confidential the matching prescription from your doctor, to get your helpline for advice on what to do with your test results. medicines from your usual supplier (such as a pharmacy). 6 – Sizwe Benefit Guide 2008
  9. 9. IMPORTANT: Once you are accepted on the programme, you or not. Sizwe Dental Benefit Management also looks at the will also gain access to additional healthcare benefits. severity of the problem. All fees are paid at an agreed rate which is known to all dental practitioners. Compare your doctor’s fees with these Europ Assistance SA (ambulance services) tariffs to ensure that you know if you are going to have EUROP ASSISTANCE SA – 0860 11 77 99 to pay in any shortfall amount. Use the dentist’s quotation 24 hour emergency response: Through Europ Assistance and the benefit guide at www.sizwe.co.za for an accurate SA, Sizwe Medical Fund provides members with a 24-hour financial guide to benefits. evacuation service, which ensures that professionally staffed, If you require specialised dental treatment, you must get fully equipped emergency vehicles are sent immediately to pre-authorisation from Sizwe Dental Benefit Management the scene of an emergency. Transfer is by road ambulance, at least two days in advance. Additionally, if your dental unless air transport is essential for survival. This service treatment requires that you go to hospital, you must also get includes patient monitoring and the delivery of emergency pre-authorisation from Sizwe Dental Benefit Management. medicines and/or blood to the treating medical facility, as • Fees differ from dentist to dentist and therefore you may well as care for minor or frail companions who, if stranded find a difference between what the scheme pays and in emergency circumstances, will be accompanied to a place what the dentist charges. It is your right to negotiate this of safety. difference with your dentist. • You may visit the dentist of your choice (except where 24-hour medical advice: Through Europ Assistance SA, there is a dental network in place on the Network Option). Sizwe members have access to a professional advice line that • Call Sizwe Dental Benefit Management for includes emergency medical advice, an Audio Health Library, pre-authorisation on all specialised dentistry, such as access to vital health knowledge, information on specific crowns, orthodontics and hospitalisation. medicines, a poison hotline and health counselling. The line is open 24 hours a day, 365 days a year, and can handle Dental queries 0860 109 556 queries in nine official languages. Fax: 011 221-5147 Email: dental.preauthorisations@sizwe.co.za or querydas@sizwe.co.za Sizwe Dental Benefit Management Programme A full explanation of rules and protocols is available on DENTAL AUTHORISATIONS – 0860 109 556 www.sizwe.co.za. Sizwe’s Dental Benefit Management Programme, which is now managed in-house as from 1 July 2007, is designed IMPORTANT: to ensure that Sizwe members have access to treatment • Always check to see if the specialised dental treatment that ensures good general oral health all year round. No recommended by your dentist is covered on your option by financial limits apply to dental treatment, which means that phoning 0860 105 566 BEFORE undergoing any treatment. you can’t run out of benefits. However, not all treatment is • Sizwe members may visit any dentist of their choice. fully covered and strict clinical management determines the provision of benefits. The table overleaf outlines your dental benefits. Please refer Your dental benefits are there to provide you with to this table to determine when pre-authorisation is required. treatment that helps you to maintain an acceptable level of dental health. You are encouraged to look after your teeth by going to the dentist for regular check-ups. Your benefits also cover any emergencies that are medically justified. Non-essential treatment includes cosmetic dentistry, elaborate crown and bridge work and gold inlays, which are not covered. The complexity of your treatment and the cost-effectiveness of the proposed treatment are taken into consideration when determining whether it will be approved Sizwe Benefit Guide 2008 – 7
  10. 10. Dental treatment benefits Full Benefit means that the procedure is paid at 100% NHRPL rates with no financial limits. Primary Affordable Full Benefit CONSERVATIVE DENTISTRY Consultations, oral hygiene, Covered at the Sizwe tariff. Covered at the Sizwe tariff. Covered at the Sizwe tariff. extractions, fillings Two general check-ups per Two general check-ups per Two general check-ups per year per beneficiary. Motivation year per beneficiary. Motivation year per beneficiary. Motivation may be requested for extensive may be requested for extensive may be requested for extensive restorative (fillings) treatment restorative (fillings) treatment restorative (fillings) treatment plans. plans. plans. Root canal Covered at the Sizwe tariff. Covered at the Sizwe tariff. Covered at the Sizwe tariff. Plastic dentures Covered at the Sizwe tariff. Covered at the Sizwe tariff. Covered at the Sizwe tariff. One per jaw, in a four-year period One per jaw, in a four-year period One per jaw, in a four-year period per beneficiary. per beneficiary. per beneficiary. SPECIALISED DENTISTRY Crowns & bridges No benefit Covered at the Sizwe tariff. Covered at the Sizwe tariff. One crown per family per year. Three crowns per family per year. Pre-authorisation required. Pre-authorisation required. Metal frame dentures No benefit Covered at the Sizwe tariff. Covered at the Sizwe tariff. One frame in a five-year period Two frames in a five-year period per beneficiary. Pre-authorisation per beneficiary. Pre-authorisation required. required. Orthodontics (braces) No benefit Benefit on pre-authorisation will Benefit on pre-authorisation will be applied to cases assessed as be applied to cases assessed as severe, as per the orthodontic severe, as per the orthodontic index, for beneficiaries younger index, for beneficiaries younger the 18 years of age. A 35% the 18 years of age. co-payment on the Sizwe tariff applies. Implants No benefit No benefit Benefit on pre-authorisation. Two implants per beneficiary, in a five-year period. Covered at the Sizwe tariff. Cost of implant components is not covered. Surgery Covered at the Sizwe tariff. Covered at the Sizwe tariff. Covered at the Sizwe tariff. No pre-authoristion is required No pre-authoristion is required No pre-authoristion is required for treatment performed in the for treatment performed in the for treatment performed in the dental rooms. dental rooms. dental rooms. HOSPITAL AND ANAESTHETICS Hospitalisation Covered at the Sizwe tariff. Covered at the Sizwe tariff. Covered at the Sizwe tariff. Pre-authorisation is required. Pre-authorisation is required. Pre-authorisation is required. Impacted teeth removal only. Admission protocols apply. Admission protocols apply. Admission protocols apply. See exclusion summary. See exclusion summary. Laughing gas in dental rooms Covered at the Sizwe tariff. Covered at the Sizwe tariff. Covered at the Sizwe tariff. Conscious sedation in rooms Covered at the Sizwe tariff. Covered at the Sizwe tariff. Covered at the Sizwe tariff. (intravenous) Pre-authorisation is required. Pre-authorisation is required. Pre-authorisation is required. 8 – Sizwe Benefit Guide 2008
  11. 11. General overview of dental benefits and rules This is a broad outline of how your benefits are structured appropriate in children under 10 years of age and the goal so that you know what is covered and what is not covered of this treatment is to reduce the necessity of comprehensive BEFORE you have treatment. treatment later in life. CONSULTATIONS IMPLANTS There is no limit on the number of times you may visit Benefits are limited to single front tooth replacements where a dentist, but only two check-ups per year are covered. a bridge is not an acceptable treatment option and also for Any other visits must be part of a treatment plan or an lower denture stabilisation. emergency. Please contact Sizwe Dental Benefit Management for full benefit information BEFORE undergoing treatment. SEDATION You do not need authorisation for in-office sedation PERIODONTICS (laughing gas) or oral sedative preparations. You must Benefits for gum disease are restricted to root planing. get pre-authorisation for intravenous conscious sedation requiring a second professional (doctor) to administer HOSPITALISATION sedatives via a drip. Hospitalisation for dentistry is not automatically covered Hospitalisation and general anaesthetic are only covered and is subject to pre-authorisation. Only under exceptional when clinically necessary. circumstances will hospital procedures for dental treatment be covered, so please phone Sizwe Dental Benefit CROWNS Management BEFORE undergoing treatment. Crowns and bridges are limited per family (see table) regardless of the type of crown being done. Where benefits EX-GRATIA BENEFITS for crown and bridge work are limited to trauma benefit only, Where a service provider is of the opinion that a treatment this trauma is defined as an external traumatic event which plan warrants additional benefit due to case severity, has resulted in tooth fracture. It excludes trauma as a result an application can be made to Sizwe Dental Benefit of chewing or grinding. Management in writing for ex-gratia benefits. Such applications must include full clinical motivations. ORTHODONTICS (BRACES) However, Sizwe only pays ex-gratia at its sole discretion. Orthodontic treatment requires pre-authorisation and is limited to beneficiaries who are younger than 18. For a full list of what is excluded from the dental Only one family member may start treatment in a calendar benefit, please email querydas@sizwe.co.za or call year, except in the case of identically aged siblings. Sizwe Dental Benefit Management on 0860 10 95 56. Preventative orthodontic treatment is usually only Sizwe Benefit Guide 2008 – 9
  12. 12. Wellness Programmes Cheiron Wellness provides full Wellness Programmes for the Diabetes Wellness Programme following major chronic conditions: hyperlipidaemia (high The Diabetes Programme focuses on helping Sizwe members cholesterol), hypertension (high blood pressure), diabetes to improve their understanding of diabetes and how to (high blood sugar) and asthma. manage their condition. Consultants will assist and guide The aim of these Wellness Programmes is to provide Sizwe you regarding the importance of routine medical check- members with cost-effective care, as well as education about ups, daily blood-sugar testing, blood pressure control, foot their disease. care, diet, exercise, and adherence to the treatment plan. Registration on the programme is free for Sizwe members You will also be taught how to manage and administer your and their beneficiaries and offers many benefits. medication. Once you are registered on one of the Wellness Programmes a Wellness consultant will advise you on how IMPORTANT: The above conditions are four of the current to lead a healthy lifestyle best suited to your condition. The 28 conditions that appear on the chronic conditions list of consultant will also keep in contact with your doctor to Prescribed Minimum Benefits (PMBs – the minimum number ensure that you receive the best treatment. of benefits a medical scheme must provide according to You will be given health information, guidance and law). Sizwe will offer full cover for these chronic conditions, assistance to help you make the most of the benefits that in addition to certain existing benefits, to ensure that are available to you. For more information on the different members do not run out of cover. In order to control the programmes or advice on how to go about registering, call costs associated with this, Sizwe has made arrangements for 0860 10 34 55. members to visit DSPs, which are Sizwe-appointed providers, for certain treatments and procedures. You are free to use any service provider you choose, but will then be liable for any Cardiovascular Wellness Programme extra costs over and above the Sizwe-negotiated rates. Please Cardiovascular diseases are illnesses of the heart and check www.sizwe.co.za for any new DSPs. its vessels. People with high blood pressure and/or high cholesterol are at an increased risk for strokes, heart failure, For more information on the Wellness Programmes, heart attacks and kidney damage. call 0860 10 34 55 or fax 011 221-5238 The Cardiovascular Wellness Programme guides you on how to manage your illness through exercise, diet and by following a specific treatment programme. It aims to prevent Home oxygen complications (such as a stroke and heart attack) that can The use of home oxygen will be covered by Sizwe, where have a severe impact on your and your family’s well-being, as it is clinically appropriate, and will be managed by the well as on the Fund’s finances. Respiratory Wellness Programme. Should your chronic condition warrant the use of home oxygen, please fax or For further information please contact email the motivation from your doctor to the Wellness the Wellness Programme line on 0860 10 34 55. Programme on 011 221-5236 or oxygenauth@cheironhealth. co.za. For further enquiries, please contact 0860 10 34 55. Respiratory Wellness Programme The Respiratory Wellness Programme focuses on helping Sizwe members to improve their understanding of asthma, educate them on how to avoid asthma triggers and how to manage their disease. 10 – Sizwe Benefit Guide 2008
  13. 13. The PMB chronic conditions Respective medical formularies and chronic benefit entry criteria for the conditions listed below are available on request from CHAMPS on 0860 10 34 55 1. Addison’s Disease 15. Glaucoma 2. Asthma 16. Haemophilia 3. Bipolar Mood Disorder 17. Hyperlipidaemia 4. Bronchiectasis 18. Hypertension 5. Cardiac failure 19. Hypothyroidism 6. Cardiomyopathy 20. Multiple sclerosis 7. Chronic obstructive pulmonary disease 21. Parkinson’s Disease 8. Chronic renal disease 22. Rheumatoid arthritis 9. Coronary artery disease 23. Schizophrenia 10. Crohn’s Disease 24. Systemic lupus erythematosus 11. Diabetes insipidus 25. Ulcerative colitis 12. Diabetes mellitus type 1 & 2 26. HIV/AIDS (see page 6 for more information) 13. Dysrhythmias 27. Major depression 14. Epilepsy 28. Female hormone replacement therapy Sizwe Benefit Guide 2008 – 11
  14. 14. Benefits for 2008 Traditional options PRIMARY AFFORDABLE FULL BENEFIT GAP COVER No No Yes PRESCRIBED MINIMUM BENEFITS PMBs at DSPs are covered where applicable and are subject to pre-authorisation GENERAL PRACTITIONERS Consultations, visits, surgical procedures, non-surgical procedures and confinements Out of hospital % Benefit 100% NHRPL rates 100% NHRPL rates 100% NHRPL rates Main member R980 R1 500 R2 700 Member +1 R1 960 R3 000 R4 350 Member +2 R2 700 R3 500 R5 450 Member +3 R3 050 R4 000 R6 300 Member +4 R3 500 R4 400 R7 300 Member +5 R3 600 R4 800 R7 600 Member +6 or more R3 700 R5 200 R8 000 In hospital % Benefit 100% NHRPL rates 100% NHRPL rates 100% NHRPL rates Limit Within hospital limit No limit No limit SPECIALISTS Consultations, visits, surgical procedures, non-surgical procedures and confinements There is a separate benefit for psychiatrists under the mental health benefit Out of hospital % Benefit 100% NHRPL rates 100% NHRPL rates 100% NHRPL rates Main member R740 R1 050 R1 750 Member +1 R1 500 R1 900 R2 800 Member +2 R1 800 R2 350 R3 500 Member +3 R2 000 R2 550 R3 900 Member +4 R2 350 R2 850 R4 550 Member +5 R2 450 R3 050 R4 900 Member +6 or more R2 550 R3 300 R5 000 In hospital % Benefit 100% NHRPL rates 100% NHRPL rates 100% NHRPL rates Limit Within hospital limit No limit No limit PRESCRIBED MEDICINES Reimbursement is for the generic equivalent, where available Acute medicines % Benefit 100% of tariff 100% of tariff 100% of tariff Main member R1 300 R2 550 R3 500 Member +1 R2 450 R3 850 R6 150 Member +2 R2 700 R4 600 R7 100 Member +3 R3 000 R4 950 R8 100 Member +4 R3 150 R5 700 R8 700 Member +5 R3 350 R5 850 R9 150 Member +6 or more R3 550 R6 000 R9 600 Levy No levy No levy No levy 12 – Sizwe Benefit Guide 2008
  15. 15. PRIMARY AFFORDABLE FULL BENEFIT Chronic medicines Obtain pre-authorisation from CHAMPS – 0860 10 34 55 % Benefit 100% of tariff 100% of tariff 100% of tariff Main member R3 400 R6 750 Member +1 R6 800 R13 500 Member +2 R10 200 R20 250 Member +3 Cover for the R13 600 R27 000 Member +4 PMB chronic conditions R17 000 R33 750 Member +5 R20 400 R40 500 Member +6 or more R23 800 R47 250 Per beneficiary limit R3 400 per beneficiary R6 750 per beneficiary Pharmacy Advised Therapy Included in acute medicines. There is no limit per prescription RADIOLOGY Out of hospital % Benefit 100% NHRPL rates 100% NHRPL rates 100% NHRPL rates General radiology limit R1 275 R2 550 R3 700 In hospital % Benefit 100% NHRPL rates 100% NHRPL rates 100% NHRPL rates General radiology limit Within hospital limit No limit while hospitalised No limit while hospitalised Specialised radiology Combined for in- and out-of-hospital treatment. There is a separate limit for MRI/CT/angiograms Two per family per year Three per family per year Four per family per year Limit R11 500 R17 500 R23 000 PATHOLOGY Out of hospital % Benefit 100% NHRPL rates 100% NHRPL rates 100% NHRPL rates Limit R1 225 R2 450 R3 600 In hospital % Benefit 100% NHRPL rates 100% NHRPL rates 100% NHRPL rates Limit Within hospital limit No limit while hospitalised No limit while hospitalised DENTISTRY (See page 8) Obtain pre-authorisation from Sizwe Dental Benefit Management – 0860 10 95 56 ONCOLOGY Obtain pre-authorisation from CHAMPS – 0860 10 34 55 % Benefit 100% of cost 100% of cost 100% of cost R52 500 R89 000 R131 250 Limit Within hospital limit Subject to treatment protocols Subject to treatment protocols PRIVATE HOSPITALS & NURSING HOMES Obtain pre-authorisation from the Hospital Benefit Management Programme Accommodation No limit for the essential treatment of the PMB chronic conditions at DSPs General ward rates, intensive Subject to pre-authorisation and case management care, high care unit, ward drugs, For all non-PMB conditions, the limits below apply theatre fees % Benefit 100% NHRPL rates 100% NHRPL rates 100% NHRPL rates Limit R600 000 No limit No limit Advanced laparoscopic, reconstructive & cardiac surgery, joint replacements, spinal surgery, Specific clinical exclusions breast reconstructions and augmentations. Only covered as a PMB through a DSP Sizwe Benefit Guide 2008 – 13
  16. 16. PRIMARY AFFORDABLE FULL BENEFIT Dental hospitalisation Obtain pre-authorisation from Sizwe Dental Benefit Management – 0860 10 95 56 21 days per beneficiary including 21 days per beneficiary including 21 days per beneficiary including psychiatrist consultation and psychiatrist consultation and psychiatrist consultation and Psychiatric hospitalisation six in-hospital consultations by a six in-hospital consultations by a six in-hospital consultations by a clinical psychologist clinical psychologist clinical psychologist HOSPITAL ALTERNATIVES Sub-acute hospitals, hospice and rehabilitation Obtain pre-authorisation from the Hospital Benefit Management Programme % Benefit 100% NHRPL rates 100% NHRPL rates 100% NHRPL rates Limit R2 800 R4 200 R5 600 PROVINCIAL HOSPITALS Obtain pre-authorisation from the Hospital Benefit Management Programme % Benefit 100% NHRPL rates 100% NHRPL rates 100% NHRPL rates Limit Within hospital limit No limit No limit PROSTHESIS Obtain pre-authorisation from the Hospital Benefit Management Programme Surgical and non-surgical % Benefit 100% of cost 100% of cost 100% of cost Limit R15 750 per family R26 250 per family R36 750 per family Cardiac stents % Benefit PMBs only through DSPs 100% of cost 100% of cost Within hospital limit Limit Three per family per annum Three per family per annum with a limit of two per family MEDICAL & CLINICAL TECHNOLOGISTS % Benefit 100% NHRPL rates 100% NHRPL rates 100% NHRPL rates Main member R900 R1 650 Included in specialist limit Member +1 or more R1 650 R2 650 PHYSIOTHERAPY In hospital % Benefit 100% NHRPL rates 100% NHRPL rates 100% NHRPL rates Limit Within hospital limit No limit No limit Out of hospital % Benefit Included in auxiliary limit Included in auxiliary limit Included in auxiliary limit OPTICAL Each beneficiary must choose either spectacles and frames, or contact lenses once every two years. Eye test % Benefit 100% SAOPTA rates 100% SAOPTA rates 100% SAOPTA rates One test per beneficiary One test per beneficiary One test per beneficiary Limit every two years every two years every two years Combined frames and lenses % Benefit 100% of cost 100% of cost 100% of cost Main member R1 090 R1 500 R2 300 Member +1 R1 200 R1 675 R2 400 Member +2 R1 275 R1 850 R2 775 Member +3 R1 375 R2 000 R2 900 Member +4 R1 450 R2 050 R3 050 Member +5 R1 500 R2 100 R3 100 Member +6 or more R1 550 R2 150 R3 150 14 – Sizwe Benefit Guide 2008
  17. 17. PRIMARY AFFORDABLE FULL BENEFIT Contact lenses % Benefit 100% SAOPTA rates 100% SAOPTA rates 100% SAOPTA rates Limit Included in above Included in above Included in above Refractive surgery including hospitalisation % Benefit 100% of cost No benefit No benefit Limit R7 500 per family per annum BLOOD TRANSFUSIONS % Benefit 100% of cost 100% of cost 100% of cost Limit R55 000 R55 000 R55 000 PRIVATE NURSING Obtain pre-authorisation from the Hospital Benefit Management Programme % Benefit 100% NHRPL rates 100% NHRPL rates 100% NHRPL rates Main member R660 R875 R1 600 Member +1 or more R1 000 R1 575 R2 675 AMBULANCE Contracted service provider is Europ Assistance SA – 0860 11 77 99 MENTAL HEALTH Psychiatry, psychology and social workers (excludes industrial psychologists) % Benefit 100% NHRPL rates 100% NHRPL rates 100% NHRPL rates Annual Limit R3 150 R5 250 R10 500 APPLIANCES % Benefit 100% of cost 100% of cost 100% of cost Main member R660 R875 R1 600 Member +1 or more R1 000 R1 575 R2 700 HEARING AIDS % Benefit 100% of cost 100% of cost 100% of cost One unit per beneficiary One unit per beneficiary One unit per beneficiary Limit every two years every two years every two years R3 175 R5 000 R6 725 AUXILIARY Audiology, chiropractics, dietetics, homeopathy, occupational therapy, podiatry, speech therapy, orthoptic treatment and physiotherapy (out of hospital), social workers and educational psychologists % Benefit 100% NHRPL rates 100% NHRPL rates 100% NHRPL rates Main member R630 R900 R1 675 Member +1 or more R1 000 R1 625 R2 850 ALCOHOLISM/DRUG ADDICTION/NARCOTISM Obtain pre-authorisation from PALS – 0860 10 54 07 PMBs at DSPs PMBs at DSPs PMBs at DSPs Benefit Three-day withdrawal treatment Three-day withdrawal treatment Three-day withdrawal treatment at an appropriate facility at an appropriate facility at an appropriate facility ORGAN TRANSPLANTS & RENAL DIALYSIS Obtain pre-authorisation from the Hospital Benefit Management Programme % Benefit 100% NHRPL rates 100% NHRPL rates PMBs at DSPs R139 000 R160 000 Limit No limit in public hospitals. Financial limits apply in private hospitals. Subject to treatment protocols HIV/AIDS Register with Yebo Life, the HIV/AIDS programme. See page 6. This includes medication and the cost of blood tests for monitoring the disease. Subject to treatment protocols % Benefit PMBs at DSPs PMBs at DSPs PMBs at DSPs Sizwe Benefit Guide 2008 – 15
  18. 18. Benefits for 2008 Network options IMPORTANT: Network options are only available where there is a doctor network available in your area. To find out if there is a network in your area, or to receive a list of these providers, please visit www.sizwe.co.za or call 0860 10 30 48. Eastern Cape members should refer to local protocols which are available from your local Sizwe branch or your company’s HR department. PRIMARY NETWORK AFFORDABLE NETWORK GAP COVER No No PMBs and DSPs are covered where PMBs and DSPs are covered where PRESCRIBED MINIMUM BENEFITS applicable and are subject to applicable and are subject to pre-authorisation pre-authorisation GENERAL PRACTITIONERS Consultations, visits, surgical procedures, non-surgical procedures and confinements Out of hospital Required benefits for the full year from % Benefit chosen GP. Co-payment of R20 per Required benefits for the full year from Main member consultation per beneficiary after 12 chosen GP. Eight GP out-of-area/network Member +1+ consultations. Four GP out-of-area/network consultations per family per annum Per beneficiary limit consultations per family per annum In hospital Required benefits for the full year from % Benefit Included in GP out-of-hospital benefit chosen GP Limit SPECIALISTS Consultations, visits, surgical procedures, non-surgical procedures and confinements. Psychiatry falls under the auxilliary benefit Out of hospital 100% NHRPL rates. Four specialist visits Required benefits for the full year, subject to % Benefit to the limit of R2 700 per family per year, referral by chosen GP subject to referral by chosen GP In hospital Required benefits for the full year, subject to Required benefits for the full year, subject to % Benefit referral by chosen GP referral by chosen GP Limit RADIOLOGY Out of hospital % Benefit General radiology limit Combined in- and out-of-hospital radiology Combined in- and out-of-hospital radiology Specialised radiology (separate limit for benefit benefit MRI/CT/angiograms combined in and out of hospital) In hospital Combined in- and out-of-hospital radiology Combined in- and out-of-hospital radiology % Benefit benefit. Basic radiology within radiology benefit. Required benefits for the full year General radiology limit network, subject to referral by chosen GP. within radiology network, subject to referral Specialised radiology (separate limit for MRI and CT scans limited to R11 000 and by chosen GP. MRI and CT scans limited to MRI/CT/angiograms combined in and out of two per family per annum R18 000 and three per family per annum hospital) PATHOLOGY Out of hospital Combined in- and out-of-hospital pathology Combined in- and out-of-hospital pathology % Benefit benefit benefit Limit Combined in- and out-of-hospital pathology In hospital Combined in- and out-of-hospital pathology benefit. Required benefits for the full year % Benefit benefit. Basic pathology within pathology within pathology network, subject to referral Limit network, subject to referral by chosen GP by chosen GP 16 – Sizwe Benefit Guide 2008
  19. 19. PRIMARY NETWORK AFFORDABLE NETWORK DENTISTRY Obtain pre-authorisation from Sizwe Dental Benefit Management – 0860 10 95 56 Conservative dentistry % Benefit 100% NHRPL rates Two general check-ups per year per beneficiary. Motivation may be requested Consultations, oral hygiene, fillings No limit but subject to clinical protocols and for extensive restorative (fillings) treatment predefined list of codes plans Root canal treatment No limit Plastic dentures One per jaw per beneficiary every four years Specialised dentistry % Benefit 100% NHRPL rates One crown per family per year. Crowns and bridges Pre-authorisation is required One frame per beneficiary every five years. Metal frame dentures Pre-authorisation is required Benefit on pre-authorisation will be No benefit applied to cases assessed as severe, as per Orthodontics (braces) orthodontic index, for beneficiaries younger than 18 years of age. A 35% co-payment applies Implants No benefit No pre-authorisation required for treatment Surgery performed in the dental rooms Dental hospitalisation % Benefit 100% NHRPL rates Pre-authorisation is required. Admission General anaesthetic in hospital PMBs at DSPs protocols apply. See exclusion summary Laughing gas in dental rooms 100% NHRPL rates Conscious sedation in rooms (intravenous) Pre-authorisation is required PRESCRIBED MEDICINES Required benefits for the full year, subject Required benefits for the full year, subject to formulary and chosen GP. Co-payment Acute medicines to formulary and chosen GP. Out-of-area of R20 per beneficiary after 12 scripts. Out- % Benefit medication covered to the value of R700 per of-area medication covered to the value of family per annum R450 per family per annum. CHRONIC MEDICINES Required benefits for the full year, subject Required benefits for the full year, subject % Benefit to formulary and chosen GP. One month‘s to formulary and chosen GP. One month‘s supply at a time supply at a time ONCOLOGY % Benefit Combined benefit with organ transplants Combined benefit with organ transplants Limit and dialysis and dialysis PRIVATE HOSPITALS & NURSING HOMES Obtain pre-authorisation from the Hospital Benefit Management Programme (Affordable Network) or from Calabash (Primary Network) Accommodation General ward rates, intensive care, high care unit, ward drugs, theatre fees % Benefit 100% NHRPL rates 100% NHRPL rates Limit R400 000 R550 000 PMB PMBs at DSPs PMBs at DSPs Sizwe Benefit Guide 2008 – 17
  20. 20. PRIMARY NETWORK AFFORDABLE NETWORK DENTAL HOSPITALISATION See dentistry benefit PSYCHIATRIC HOSPITALISATION 21 days per beneficiary including 21 days per beneficiary including psychiatric consultations and six in-hospital psychiatric consultations and six in-hospital consultations by a clinical psychologist consultations by a clinical psychologist HOSPITAL ALTERNATIVES % Benefit 100% NHRPL rates 100% NHRPL rates Limit R2 000 R4 000 PROVINCIAL HOSPITALS % Benefit 100% NHRPL rates 100% NHRPL rates Limit Within hospital limit Within hospital limit PROSTHESIS Surgical and non-surgical % Benefit Limit 100% of cost, subject to referral by chosen 100% of cost, subject to referral by chosen GP. R11 000 for surgically implanted and GP. R16 000 for surgically implanted and Cardiac stents R2 200 for non-surgically implanted R3 300 for non-surgically implanted % Benefit Limit MEDICAL & CLINICAL TECHNOLOGIST % Benefit Included in auxiliary benefit Included in auxiliary benefit PHYSIOTHERAPY In hospital % Benefit 100% NHRPL rates 100% NHRPL rates Limit R800 per family R1 600 per family Out of hospital Combined in- and out-of-hospital Combined in- and out-of-hospital % Benefit physiotherapy benefit physiotherapy benefit OPTICAL Each beneficiary must choose either spectacles and frames, or contact lenses once every two years Eye test % Benefit 100% SAOPTA 100% SAOPTA One test per beneficiary every two years, One test per beneficiary every two years, Limit using a network optometrist using a network optometrist Combined frames and lenses % Benefit 100% SAOPTA Main member R1 500 Member +1 100% SAOPTA R2 100 Member +2 Single vision – R440 R2 100 and one set every two years Member +3 Bifocal – R685 R2 100 Member +4 and one set every two years R2 100 Member +5 R2 100 Member +6 or more R2 100 18 – Sizwe Benefit Guide 2008
  21. 21. PRIMARY NETWORK AFFORDABLE NETWORK OPTICAL Continued Contact lenses % Benefit 100% SAOPTA No benefit Limit Included above Refractive surgery including hospitalisation % Benefit No benefit No benefit Limit BLOOD TRANSFUSIONS % Benefit 100% of cost 100% of cost R15 000, R30 000, Limit within hospital limit within hospital limit PRIVATE NURSING % Benefit Included in auxiliary benefit Included in auxiliary benefit AMBULANCE % Benefit 100% NHRPL Sirates 100% NHRPL rates Limit R750 per case and emergencies only R1 200 per case and emergencies only MENTAL HEALTH Psychiatry, psychology and social workers and educational psychologists % Benefit Included in auxiliary benefit Included in auxiliary benefit APPLIANCES % Benefit Included in auxiliary benefit Included in auxiliary benefit HEARING AIDS % Benefit Included in auxiliary benefit Included in auxiliary benefit AUXILIARY Private nursing, audiology, chiropractics, dietetics, homeopathy, occupational therapy, podiatry, speech therapy, orthoptic treatment, clinical and medical technology, appliances, hearing aids, mental health (psychology, psychiatry, social workers and educational psychologists) % Benefit 100% NHRPL rates 100% NHRPL rates Limit R1 600 per family and R800 per discipline R3 200 per family and R1 600 per discipline ALCOHOLISM/DRUG ADDICTION/NARCOTISM Obtain pre-authorisation from the Hospital Benefit Management Programme PMBs at DSPs – three-day withdrawal PMBs at DSPs – three-day withdrawal % Benefit treatment at an appropriate facility treatment at an appropriate facility ORGAN TRANSPLANTS & RENAL DIALYSIS Obtain pre-authorisation from the Hospital Benefit Management Programme % Benefit 100% NHRPL rates PMBs at DSPs Limit R65 000 HIV/AIDS Register with Yebo Life, the HIV/AIDS programme. See page 6. This includes medication and the cost of blood tests for monitoring the disease. Subject to treatment protocols % Benefit 100% NHRPL rates 100% NHRPL rates Limit No limit but subject to treatment protocols No limit but subject to treatment protocols Sizwe Benefit Guide 2008 – 19
  22. 22. Contributions for 2008 Traditional options PRIMARY Category Income (R per month) Member Adult dependant Child dependant 160 0 – 3 000 R824 R440 R88 170 3 001 – 7 000 R872 R472 R144 180 7 001 – 10 000 R1 064 R600 R160 190 10 001+ R1 208 R720 R176 AFFORDABLE Category Income (R per month) Member Adult dependant Child dependant 270 0 – 4 000 R1 048 R944 R208 280 4 001 – 12 000 R1 152 R1 048 R232 290 12 001+ R1 624 R1 448 R320 FULL BENEFIT Category Income (R per month) Member Adult dependant Child dependant 360 0 – 5 000 R1 504 R1 344 R304 370 5 001 – 8 000 R1 592 R1 432 R320 380 8 001 – 15 000 R1 832 R1 640 R352 390 15 001+ R2 080 R1 888 R408 Network options PRIMARY NETWORK Category Income (R per month) Member Adult dependant Child dependant 660 0 – 3 000 R368 R336 R168 670 3 001 – 5 000 R448 R408 R208 680 5 001 – 10 000 R608 R560 R240 690 10 001+ R776 R720 R280 AFFORDABLE NETWORK Category Income (R per month) Member Adult dependant Child dependant 400 0 – 2 500 R656 R576 R120 410 2 501 – 4 000 R760 R696 R152 420 4 001 – 8 000 R824 R760 R192 430 8 001+ R1 048 R944 R224 NOTE: Sizwe’s benefits are calculated for a full year from 1 January to 31 December. Benefits are pro-rated for those who join during the year. (New members must refer to the Membership Guide.) HOW TO WORK OUT YOUR CONTRIBUTION – AN EXAMPLE If you want to belong to the Primary Option and earn R5 500 a month, and have a wife and two children, your monthly contribution will be: Member (you) Adult dependant (spouse) Child dependant (children) R872 R472 R288 (2 x R144) Full amount due = R1 632 ..................... 50% Employer share = R816 ....................... 50% Your share = R816 20 – Sizwe Benefit Guide 2008
  23. 23. ACCESSIBLE AFFORDABLE RELIABLE 0860 10 08 71 www.sizwe.co.za

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