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GENERAL INFORMATION
Pharos Medical Plan™, the guiding light in Healthcare and often referred to as the "Next Generation in Healthcare", offers our members, unsurpassed personal attention and health benefits. Our unique approach to healthcare, both the management and funding thereof, has ensured that our members have consistently received annual benefit increases for a cost effective contribution.

The unique Pharos approach combines:

• The practice of Demand Management®
• Appropriate benefit options and
• Strategic healthcare innovations

DEMAND MANAGEMENT®
Demand Management® sets Pharos further apart from other medical aid schemes by recognising you, the member, as an important participant in the management of your health. Everything we do is focused on putting you in control, through assisting you to make informed choices about your healthcare services.

DEDICATED PROFESSIONAL NURSES
A key factor in our Demand Management® practice is your Dedicated Professional Nurse. This Registered Professional Nurse will assist you in the management of your unique health and healthcare spending and provide you with the personalised care and attention you deserve.

COMPREHENSIVE RANGE OF BENEFIT OPTIONS

Pharos provides a number of benefit options to cater for differing healthcare needs.

These options include:

• Rainbow Comprehensive - the industry benchmark solution
• Paladin Comprehensive - the comprehensive mid-range solution
• Footprint Comprehensive - more benefit for less than you would expect to pay
• Rainbow Plus - with savings
• Rainbow Primary - the benchmark hospital plan.
• Footprint Primary - the economical hospital plan.
• Methcare - a tradional 80% option with incident limits and co-payments.