MORE COVER 2021 Benefit and Contribution Launch 06 October 2020 - Bankmed
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MORE COVER
2021 Benefit and
Contribution Launch
06 October 2020
MORE THAN A MEMBER. MORE WITH BANKMED.
Agenda 01 Bankmed Value Proposition 02 Industry Matters 03 Bankmed Financials 04 2021 Contribution Increases 05 Plan Structure 06 2021 Benefit Enhancements 07 2019 Health Quality Assessment Results 08 Communications Overview 09 Client Management 10 Q and A
Value
Proposition
3
Partnership in Exclusivity and Responsiveness 38% Better Value Better Quality
Health and Wellness (Closed Scheme) in 2020 (NMG) (HQA)
Commitment to Best-of-Class Technology and Innovation Financial Stability
Member Experience as Enablers (GCR)
Our partnership spans over
more than 100 years
- and we are
Solvency ratio
still going strong Industry average
Our financial stability 38.7% VS 34.5%
allows us to
maintain value
for our members 2018 Annual Financial Statements
2018 Council for Medical Schemes Annual Report;
The average for restricted schemes in 2018 was 41.9%
2019: 40.5%
Your money is Non-healthcare costs 2018
spent on you
Industry average
Non-healthcare
expenses are the costs 4.9% VS 8.2%
associated with running
the Scheme e.g.
administration and general 2019: 4.8%
administration expenses
Industry Matters
General Industry Update
1 Bankmed continues to stay close to
industry developments
2 Member of the Health Funders Association (HFA)
3 Participating proactively to influence how
the healthcare landscape changes
4 COVID-19 dominating industry deliberations
5 Bankmed has been diligent in its own
response to COVID-19
Bankmed’s Response to COVID-19
Details of Bankmed’s response is available on the
Scheme’s website
The Scheme’s response includes the following:
In-and-out of hospital Virtual and Pulse Oximeter and
cost of treatment paid Telephonic additional consultations for
from insured benefits consultations high risk members
Tests paid for from Relaxation of COVID-19 Isolation
insured benefits networks, specifically Hotel benefit
for COVID-19COVID-19 clinical tracker
COVID-19 cases by Province
BANKMED CONFIRMED CASES | 6 846 | 29 September 2020
131
Tests Positive COVID admitted
Recoveries Deaths
conducted members members
136 Bankmed 43 036 6 846 904 6 548 110
4 342
173
251 610
87
SA 4 152 480 671 669 - 604 478 16 586
419
13.2% 95.6% 1.6%
Proportion Recovery rate Case fatality rate
697 admitted (DH: 94.3%) (DH: 2.2%)
90.0% National 2.5% National
recovery rate case fatality rate
*We have extended the definition of confirmed positive members to also include admissions coded with U07.1 but not confirmed through pathology testing yetBankmed COVID-19 experience
As at 29 September
Distribution by age and chronicity Admissions for COVID-19 positive members
3000
Distribution of positive members by age and chronicity
904
Y N Members admitted
528
2000
2115
1000
1086
526
1 014 150 78
693 399
210 278 227 234 admissions ICU Ventilator
0
0-10 10-20 20-30 30-40 40-50 50-60 60-70 70-80 80+
admissions admissions in ICU
Age Band
Distribution of positive members by current status Admission costs
120% Deceased Active Recovered
100% 3% 8% 14% 15%
6% Completed Average Average Length Death
80% 10% 8% Total cost
Admissions Cost of stay rate
60%
97% 97% 98% 98% 96% 93%
Other Wards 651 R 28 236 682 R 43 374 6.6 4.8%
40% 85% 76% 77% High Care 158 R 17 737 330 R 112 262 9.7 5.9%
20% ICU 71 R 21 199 023 R 298 578 16.6 34.8%
0% Ventilation 79 R 33 867 578 R 428 704 18.8 68.8%
0-10 10-20 20-30 30-40 40-50 50-60 60-70 70-80 80+ Total 959 R 101 040 613 R 105 360 8.9 12.5%
Source: Internal analysisUtilisation of Virtual and Telephonic Consultations
Consultation Type January to July 2020 August 2020 September
June 2020 2020
Virtual Consultations 135 96 45 22
Telephonic Consultations 4 069 2 755 1 271 673
Utilisation of Isolation Hotel Benefit Pulse Oximeter Uptake
June 2020 July 2020 August 2020 September August September
2020 2020 2020
Number of 13 15 5 0
Members Number of Approved 424 59
Pulse Oximeters
Number of Days 105 116 24 0Other Industry Developments
1 Variety of other industry conversations underway, relating to legislation
and regulations in the healthcare industry
2 Bankmed is an active participant in these discussions
3 Final report on the Health Market Inquiry (HMI) released in
September 2019: But focus shifted to COVID-19
COVID-19 also generated many views about the
4 National Health Insurance (NHI):
• Will implementation be accelerated?
• Has COVID-19 made it impossible to prioritise NHI?
Bankmed’s view: COVID-19 has imposed many lessons that are useful for
5 solutions that we really need in the future, and we intend to stay engaged
and contribute to the desired solution, in the best interest of our membersBankmed Financials
Financials 1 Bankmed’s Invested Reserves 2 Members Savings Accounts 3 The Financial Mechanics of Bankmed 4 The Two Key Financial Ratios 5 Reserve Management 6 Summary
Bankmed’s Investments
1 YTD July: R3.65bn reserves invested
2 Two additional multi-asset managers introduced in March
2019, in order to further diversify investment manager skill
Four multi-asset managers: INVESTEC,
3 PRUDENTIAL, ALLAN GRAY and ABAX, and
one Money Market manager: TAQUANTA
4 Overall benchmark, related to medical inflation,
amounts to CPI + 3.5% over a rolling 3-year period
5 Due to ongoing economic conditions, the benchmark
has not been attained over the last 5 years
Bankmed’s Investment Committee closely monitors the
6 performance of the individual investment managers, and
the overall investment strategy of the Scheme
17Members Savings Accounts
Applies to the Core Saver, Comprehensive and Plus Plans only
Consists of contributions paid by members which are allocated to a members savings account and held
there to settle certain healthcare costs that aren’t paid from Insured Benefits
Although the member pays monthly contributions in this the regard, Bankmed offers the total annual benefit
for utilisation as at 1 January
Bankmed’s practice in this regard creates a risk of creating member debt to the Scheme, in the form of
savings claw-backs
50% Bankmed allocates 50% of the interest rate earned on the Scheme’s money market portfolio to the members,
although there is no obligation to pay members any interest
The interest is calculated on a monthly basis , but credited to the members savings accounts once annuallyThe Financial Mechanics of Bankmed
GROSS CONTRIBUTIONS RECEIVED
(including savings)
What comes in
to the Scheme? LESS: SAVINGS CONTRIBUTIONS
NET CONTRIBUTIONS INCOME
RELEVANT HEALTHCARE CLAIMS EXPENDITURE
INSURED HEALTHCARE CLAIMS RISK TRANSFER ARRANGMENT
MANAGED CARE EXPENDITURE
(Non Savings) PREMIUMS
What is paid from the
Scheme on
Medical Costs? Hospital Costs Premiums to provider who then Fees paid to service providers who
Doctors commits to cover certain healthcare conduct managed care initiatives in
Medication etc. expenditure for the year order to contain healthcare costsThe Financial Mechanics of Bankmed (cont.)
GROSS HEALTHCARE RESULT
NON-HEALTHCARE EXPENDITURE
What is paid by • Administration Fees
the Scheme on • Scheme Management Costs
Administration
Costs
(Delivery Costs)?
Value to OPERATING DEFICIT
members
Reserves INVESTMENT INCOME
at work
NET RESULT
20The Two Key Financial Ratios
Accumulated Reserves / Annual Contributions
Reserve • Key indicator of financial health, with statutory
minimum of 25%
Ratio • Balance between sufficient reserves and using
excess reserves to the benefit of members
Operating Deficit / Annual Contributions
Operating
• Incur operating losses to the benefit of
Ratio members which investment income must coverReserve Management Strategy
The actuarially
forecasted reserve
To maintain the ratio as at the end The budgets for the
The upper end of
required level of of 2020 is 46.6%, years thereafter will
Bankmed’s required required reserve
reserves to ensure due to the unusually be aimed at
reserve ratio is ratio was maintained
long term financial low claims stabilising the
between 35%-40% in 2019, at 40.5%
sustainability of experience resulting reserve ratio at
(38.7%: 2018)
the Scheme from the COVID-19 approximately 38%
lock-down
measures.Reserve Management Strategy (cont.)
Year Reserve Ratio
Ratio
2016 40.1 %
2017 38.8 %
2018 38.7 %
2019 39.2 %
2020 (forecast) 46.6 %
2021 (budgeted) 38.2%Summary
To keep contribution increases low while
1 maintaining rich benefits, the Scheme needs
to run sustainable operating deficits
To run sustainable deficits the Scheme’s reserve
2 levels need to be adequate in order to produce
the required investment returns
The required investment returns must be
3 sufficient to cover the planned operating
deficits and grow reserves adequately to keep
the Reserve Ratio stable
During times when investments are
4 performing poorly, a Scheme has to generate
savings elsewhere by utilising effective
managed care initiatives and other cost cutting
techniques.Summary (cont.)
Regardless of low investment returns, Bankmed
1 has performed well enough over the past few
years, to maintain stable contribution increases
This has been achieved by savings generated on
2 claims expenditure via effective managed care
initiatives and favourable provider tariff negotiations
3 Overall, Bankmed is well managed and financially
sound, which is confirmed by its AA+ credit rating2021 Contribution Increases
Average Contribution Increases 2021
Other Medical Schemes
Momentum Health
DHMS Medical Scheme Bonitas BestMed
0% (6/12) 3.9% 4.6% 4.0%
0% increase for
the first 6
months of the
year after which
a 5,9% increase
will be
implemented
Fedhealth CAMAF KeyHealth MedShield
8.8% 3.5% 5.0% 5.9%Annual Increase Comparisons
2016 2017 2018 2019 2020 2021
14
11,9
12
11
10,6 10,7 10,7
10,2
9,9
10 9,5
9,2
8,9 8,7 8,9
8,6
8,3 8,2 8,2 8,1 7,9
7,9 8 7,8 7,9
8 7,7
7,3 7,3
6
4,6
3,9
4 3,5 3,6
2
0*
0
DHMS Momentum Bonitas CAMAF Bankmed
* 0% increase for the first 6 months of
the year after which a 5,9% increase will
be implemented 282021 Bankmed Contribution Increases
Plan 2015 2016 2017 2018 2019 2020 2021
Increase Increase Increase Increase Increase Increase Increase
Essential 3% 5% 6.5% 6% 5.5% 5% 2.5%
Basic 6% 5% 6.5% 6.5% 6.5% 6% 2.5%
Core Saver 6% 6% 7.5% 7.5% 7.4% 7% 3.5%
Traditional 7.5% 7.8% 8% 8.25% 7.4% 7% 3.5%
Comprehensive 8.5% 8.5% 8% 8.5% 8.5% 7.8% 3.9%
Plus 9% 9.5% 9% 8.75% 9% 8% 3.9%
Average 7.9% 7.8% 7.9% 8.1% 7.9% 7.3% 3.6%
Annual limits of many medical categories were increased generally by 4.5%Plan structure
A Plan to suit everyone
Top of range Plan with savings and an ATB
Plus (safety net) for when savings are exhausted
Comprehensive range of benefits paid from both insured
Comprehensive and savings out-of-hospital
Wide range of benefits with annual sub-limits for day-to-day expenses.
Traditional Network Plan
Contributions
Core Saver Hospital plan with a savings component for day-to-day expenses
Wide range of primary care benefits (including non PMBs) available via
Basic GP Entry Plan Network
Essential Lean, low cost Plan. Benefits limited to PMBs only available via GP Entry Plan Network
Managed Care Programmes Wellness-Based Incentive Programme
Bankmed Balance available to all members
Wellness and Preventive Care
Benefit range and specific networksEssential and Basic Plan Overview
Plan Benefits Essential Plan Basic Plan
Entry level Plan, suited for low healthcare needs. Low contribution Plan with IH and OH benefits
Positioned for
PMB cover only and chronic disease benefits
Wellness and Preventative Care Benefits Rich spectrum, expect for contraception Rich spectrum
Restricted GP Network Yes Yes
Specialist Network Yes Yes
GP Specialist Referral Yes Yes
Hospital Network
Yes Yes
Pathology, Radiology and Medication Restricted formularies
Managed Care Programmes HIV Programme and Oncology Programme: PMB level of cover only
Optometry Benefit No Isoleso Optometry Network
Basic Dentistry No YesCore Saver, Traditional, Comprehensive and Plus Plan Overview
Plan Benefits Core Saver Plan Traditional Plan Comprehensive Plan Plus Plan
Young, healthy members with Plan provides comprehensive Designed for moderate to
Plan suitable for moderate to high
relatively low healthcare needs. medical cover to meet moderate high healthcare needs for
Positioned for healthcare needs for members
Limited MSA for to high healthcare needs. members who want a savings
who want a savings component
day-to-day expenses Network Plan. component and ATB
Wellness and Preventative Care
Rich spectrum Rich spectrum Rich spectrum Rich spectrum
Benefits
Medical Savings Account Yes No Yes MSA + ATB
GP Network Yes Yes Yes Yes
Specialist Network Yes Yes Yes Yes
GP Specialist Referral Yes Yes No No
Hospital Network
No Yes No No
Managed Care Programmes PMB level of cover Cover for both PMBs and Non-PMBs subject to pre-authorisation
Optometry Benefit Subject to MSA Insured Insured / MSA MSA / ATB
Basic Dentistry Subject to MSA Insured Insured MSA / ATB
Dental Admissions Emergency/PMB cover only R1 950 deductible
332021 Benefit Enhancements
The principles behind the annual
review include the following:
To enhance benefits/innovation - these do come at a cost but are
1 necessary to remain competitive and be the medical scheme of
choice for the banking industry
2 To optimise Risk Management in order to keep contribution
increases as low as possible
To consider a tiered differentiation in benefits between Plans
3 especially for the “discretionary benefits” where members perceive
value and would therefore consider higher premiums justifiable
4 To lower out of pocket payments
5 To improve member experience2021 Enhancements informed by
Minimal
enhancements in
favour of lower COVID-19: Mental Health Member-centric
Employer Group
contribution Lockdown/Job issues on an philosophy of
requests
increases due to insecurity/Isolation incline Bankmed
the state of the
economyMental Health Disorders • Mental health disorders are emerging as the number one cost driver in the healthcare sector • The impact of mental illness is not only felt in the healthcare sector. It is also the largest contributor to global disability and accounts for 10 billion days of work lost on an annual basis • The most common condition within the mental illness cluster is depression, typically accounting for greater than 50% of all members registered with a mental illness and more than 50% of total spend on mental health disorders
Mental Health Disorders
• “As many as one in six South Africans suffer from anxiety, depression or substance-use problems (and this does not include more serious
conditions such as bipolar mood disorder or schizophrenia), according to statistics released by the South African Depression and
Anxiety Group (SADAG)”
• Previously the focus was on four chronic diseases (cardiovascular, diabetes, respiratory and cancer) that contributes to 60% of deaths.
The focus currently is on five chronic diseases that contributes to 75% of deaths, the fifth one being Mental Health
• The very concerning incline in Mental Health conditions is certainly
• Impacting productivity of the employee base due to absenteeism and presenteeism
• Impacting the claiming patterns
• Impacting scheme sustainabilityThe Social Impact of Mental Illness on South African patients • 17% cannot take care of dependents • 26% are separated or divorced • 47% lose friends (a key part of their support network) • 49% experience negative family relationships • Only 27% of South Africans reporting severe mental illness ever receive treatment. This means that nearly three-quarters of these sufferers are not accessing any form of mental health care at all • South Africa has one of the highest rates of gender-based violence (GBV) • 23 South Africans commit suicide every day
The Social Impact of Mental Illness
The lifetime prevalence of Depression in SA is 9.7% or 4.5 million.
About 20% of South Africans will experience a depressive
disorder at least once in a lifetime. Depression is a treatable
condition and between 80% and 90% of people have a good
response to treatment.
Depression has a serious impact on the South African economy.
Depression costs SA more than R218bn in lost productivity:
• R28bn is attributable to absenteeism
(unscheduled absence from work)
• R190bn is attributable to presenteeism
attending work while unwell)Mental Health Disease Management Programme Comprehensive programme that includes both out-of-hospital and in-hospital support. The following are some components of the programme: • Members on all six plans have access to the mental health programme, however plan benefits will apply with respect to condition cover • The programme looks at strategies across the spectrum from the healthy to those members requiring comprehensive inpatient care • The healthy and at risk segments are promoted through regular screening at wellness days and online • Access to a mental wellbeing module on the website which includes information that promotes mental well-being e.g. advice on mindfulness, meditation exercises • Access to counselling should someone at risk wishes to speak to a counsellor • A primary care programme which is GP level of care. This is a crucial component and the mainstay of treatment
Mental Health Disease Management Programme • The Premier Plus GP Network will play a pivotal role in this programme. This network is already managing Diabetes, Cardiovascular Disease and HIV for Bankmed. Mental Health will be an extension to the Premier Plus Programme • The GP will enrol member onto programme e.g. Major Depression monitor compliance to medication, ensure follow up visits, script renewal etc. • Coaching and educational material will be provided • The programme includes a hospital DSP/Network which Bankmed is already participating in, case management and discharge planning by a care coordinator • Enrolment on a relapse prevention programme to provide the necessary support on discharge to prevent unnecessary readmissions • The implementation will be phased in. The employers EAP is included as part of this model
Frail Care
1 Frail care is an existing benefit
2 Members on the top 3 plans have
access to this benefit
3 The benefit is, however, complex.
4 2020 benefit: 50% of cost limited to
R470 per day
5 2021 benefit: Flat daily rateHealth Quality Assessment (HQA)
Health Quality Assessment
• Benchmarking exercise in the funding industry
• Highlights key quality issues in the SA medical scheme industry
• Drives improvement in the delivery of evidence-based medicine
• 18 schemes participated in 2019 HQA from 9 different Administrators
• Comprised of 115 benefit options
• Represented 7,29 million beneficiaries
(81,63% of the medical scheme population)
• 206 Indicators in four categories are evaluated, namely:
1. Prevention and Screening
2. Hospitalisation
3. Maternity and New-born
4. Chronic Disease ManagementDefinition of Quality
Agency for “the degree to which healthcare services for
Healthcare Research individuals and populations increase the
and Quality (AHRQ) likelihood of desired health outcomes and are
consistent with current professional
defines quality as
knowledge”.Bankmed compared to Industry | 2019
Primary Care (Including Screening)
Indicator Bankmed Industry Benchmark CMS
Flu vaccine coverage > = 65years (%) 28.38% 20% 61% 3.85%
Prevention
Pneumococcal vaccine coverage ≥ 65 years old (%) 9.60% 3.49% 72.7-77% N/A
Cervical Cytology coverage (previous 3 years) (%) 41.96% 32.67% 59.3-75.2% 15.99%
Mammogram coverage (ages 50-74 years in previous 2
37.90% 24.07% 72% 32.68%
years) (%)
Bone densitometry coverage for all females aged
Screening 9.25% 7.25% N/A N/A
65 years or older (%)
Colorectal cancer screening ≥ 50 years in previous year
14.91% 10.79% N/A N/A
(FOBT, %)
Percentage of beneficiaries ≥ 2 years old visiting dentists 32.45% 21.61% NA N/ABankmed compared to Industry | 2019
Chronic Disease Management
Indicator Bankmed Industry
HbA1c coverage for Diabetic patients (%) 65.56% 60.31%
Cholesterol related tests coverage for Diabetic patients (%) 60.33% 55.00%
Monitoring Nephropathy for Diabetic patients (%) 71.56% 67.23%
Diabetes Podiatrist cover (%) 6.65% 3.52%
Statin coverage (%) 62.08% 56.42%
% of Hypoglycaemia related hospital events 0.56% 4.59%
Lower Limb amputations per 1 000 diabetics 2.23 3.16Bankmed compared to Industry | 2019
Chronic Disease Management
Indicator Bankmed Industry
Aspirin coverage for IHD beneficiaries (%) 83.04% 69.78%
Cholesterol test coverage for IHD beneficiaries (%) 61.63% 53.25%
Ischaemic Heart
Statin Coverage for IHD beneficiaries (%) 82.05% 75.38%
Disease
Beta blocker coverage 52.48% 49.96%
Flu coverage of IHD registered beneficiaries 25.09% 18.66%
Lung function test coverage 15.63% 11.47%
Asthma
Flu vaccine coverage 16.01% 12.27%Bankmed compared to Industry | 2019
Chronic Disease Management
Indicator Bankmed Industry
Flu vaccine coverage (%) 25.17% 18.47%
Cardiac Failure
ACE & ARB inhibitor coverage (%) 56.56% 61.73%
10 day post discharge follow up (%) 13.2% 39.69%
Depression 30 day post discharge follow up (%) 30.54% 47.47%
Multiple admissions for Depression 1.81% 0.78%
Flu coverage for COPD beneficiaries (%) 34.29% 28.77%
Lung Function test coverage for COPD beneficiaries (%) 37.53% 33.52%
COPD
COPD beneficiaries admitted once for respiratory condition (%) 31.40% 27.32%
COPD beneficiaries admitted more than once for respiratory condition (%) 10.82% 9.54%Bankmed compared to Industry | 2019
Hospitalisation
Indicator Bankmed Industry
Stents 1.36 1.48
Cardiac
Average length of stay for all cases (days) 5.93 5.45
Procedures
Readmission for any reason within 30 days 8.04% 10.83%Bankmed compared to Industry | 2019
Maternal and New-born
Indicator Bankmed Industry
Number of Teenage Pregnancy (10-19 years inclusive) cases per 1 000
2.55 2.52
teenage beneficiaries
TSH Coverage in New Borns (≤ 6 weeks old) (%) 90.31% 83.52%
Maternal and Hepatitis B serology coverage during pregnancy 65.97% 42.70%
New-born
HIV Screening during pregnancy 72.31% 46.02%
Haemoglobin (Hb) test coverage during pregnancy 80.38% 77.42%
Caesarean Section rate 73.19% 76.04%Bankmed compared to Industry | 2019
2021 Integrated Communications Overview
Our message to our client's and members
Educate Delight Add value
Enhance the
Your partner in health,
Educate and member journey
wellness and
inform members and experience
lifestyle design
across all channelsKey message 1 Educate We help create a Smart member through educational and informative campaigns: A ‘Smart’ member: • Better understands their benefits and Plan options to make more informed Plan choices • Knows how to optimise their managed and preventative care programmes to stay healthy • Is digitally savvy and can access Bankmed platforms i.e. App, website and social media platforms etc. • Engages on multiple communication channels for convenience and ease of use • Enhances their wellness and healthy habits through regular engagement in wellness initiative’s, PHAs, etc. • Understands their health status and derives insights about their health to make informed decisions (data-driven insights)
Key message 2
Delight
We delight our members by enhancing the member journey
and experience across all channels:
App Website Social Email SMS Print
Re-Launch Re-Launch Launched Segmented SMS optimised to Print is on hold
October 2020 October 2020 LinkedIn communication replace postal unless specifically
March 2020 via email to during COVID-19 required at
specific audiences Employer Group
i.e. members with Clients but
co-morbidities online copies are
etc. always availableEnhancing the member journey and experience
App | Phase 1: new features
New Benefit and Medicine Brand and screen Phase 2 coming
login screen Limit tracker Tracker enhancements soon….
Provides members with New design presents the Keeps track of all the
key messages. member with a detailed medicine a member needs
description of the benefit, to take by adding it to their
the limits associated with Pillbox. Reminds the
the benefit, member of when to take
how much has been used, their medicine and when to
and which claims have renew their script.
accumulated to the benefit. Set the appearance of your
medicine so it’s easily
recognisable. Each medicine
reminder can be set up
precisely according to the
instructions set.Enhancing the member journey and experience Website | new features Enhancing the member journey and experience across all channels:
Enhancing the member journey and experience Linkedin Get the latest information at your fingertips: • Health and wellness information • Industry news • Topical information such as the COVID-19 pandemic • Opinion pieces from our Healthcare and Clinical experts • Member stories • Participation in medical and health forums • Benefit and Plan information
Key message 3 Add value We add value to our members and clients through rich, engaging and relevant content: • Thought Leadership • News blog on our website • Collaboration with Employer Group Clients (Campaign toolkits) • Access to information around the Global Pandemic and what Bankmed is offering members – COVID-19 webpage
Client Management
Employer Clients
63Client Management
• Custodian Support
• Roadshow Project Planning
• Marketing the Project
• Preferred channels
• Communications Content and Distribution
• Encouraging employees to view digital presentations
and schedule a virtual consultation if further clarity is required
• Project roll-out timelines
(Including festive season closure and re-opening dates)Contact Us
www.bankmed.co.za
0800 BANKMED (0800 226 5633)
http://www.facebook.com/BankmedSA/
http://twitter.com/Bankmed_SA
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