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1. Group Scheme Provisions: Additional terms specific to group health insurance schemes, used when the policy covers multiple members through an employer

2. International Coverage: Terms relating to medical treatment outside South Africa, included when international coverage is offered

3. Wellness Program: Details of any additional wellness benefits or programs offered as part of the insurance

4. Chronic Condition Management: Specific provisions for managing and covering chronic conditions, included when offering comprehensive chronic care

5. Network Providers: Terms relating to designated service provider networks, included when the insurer maintains a specific network

6. Medical Savings Account: Terms relating to medical savings accounts, included when this feature is offered

7. Gap Cover Provisions: Additional coverage for shortfalls between medical scheme benefits and actual costs, when offered

1. Schedule A - Benefit Tables: Detailed breakdown of all benefits, sub-limits, and coverage amounts

2. Schedule B - Premium Schedule: Detailed premium structure, including any age-based or risk-based adjustments

3. Schedule C - Prescribed Minimum Benefits: List of conditions covered under prescribed minimum benefits as per Medical Schemes Act

4. Schedule D - Network Providers: List of approved healthcare providers and facilities

5. Schedule E - Excluded Conditions: Detailed list of excluded conditions, treatments, and circumstances

6. Schedule F - Claim Forms and Procedures: Standard forms and detailed procedures for submitting claims

7. Schedule G - Chronic Disease List: List of covered chronic conditions and associated benefits

8. Appendix 1 - Disclosure Documents: Statutory disclosure documents required under FAIS Act and other regulations