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2006 MEMBER GUIDE
1.   Introduction to Pathfinder
1.1   What is our Mission?
2.   Explanation of Medical Scheme terms
3.   Helpful Contact Details
4.   Membership information
4.1   Who can be a Pathfinder member?
4.2   Who qualifies as a dependant?
4.3   When do I register new dependants?
5.   Membership – Frequently asked questions
5.1   How do I cancel my membership?
5.2   What must I do if my personal details change?
5.3   When can I change options?
6.   Terms and Conditions applicable to membership
6.1   Membership Card and Certificate of membership
7.   Contributions
7.1   When do I have to pay my contributions?
7.2   Suspension of membership
8.   Your guide to problem free claims Administration
8.1   Address for sumbission of claims
8.2   Abuse of benefits
8.3   Services for which you must have authorisation
9.   Exclusions
10.   Pathfinder Product Design
10.1   Major Medical expenses benefit
10.1.1   Your hospitalisation benefit
10.1.2   Pre-authorisation procedure
10.1.3   Emergency assistance and ambulance benefits
10.1.4   Pathfinder Medicine Benefit
10.1.5   HIV Benefit
10.1.6   Procedure to register on HIV programme
10.2   Day – to – Day benefit
10.3   PHSA (Personal Healthcare savings account)
10.3.1   What the Personal Healthcare Savings Account (PHSA) covers
10.3.2   The Personal Healthcare Savings Account (PHSA) does not cover
10.3.3   Hints on Managing your Personal Healthcare Savings Account
10.4   Dental Benefit Trail Option – Out of Hospital
10.5   Dental Benefit Trail Option – In Hospital
10.6   Pathfinder Optometry Benefit
10.7   Special benefits for Lane and Terrace Options
10.7.1   Health on Call
10.7.2   Free Healthwise Handbook
11.   Prescribed minimum benefits
12.   2006 Benefits and Contributions

 
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