Company subsidy policy - Effective 1 January 2026

• For active employees in job grades E to G, the company pays 50% of the total contribution for immediate family dependants. No subsidy is paid by the company for financial dependants.
• A financial dependant is a dependant who is 21 years of age or older, not studying, but financially dependent on the main member. No company subsidy applies and the member will need to pay the full adult dependant contribution.
• For active employees in job grades A to D, the company's contribution has been taken into account in the cost-to-company package. No additional subsidy will be applied.
• Pensioner members are responsible for the full contribution.
• The member is responsible for the full adult dependant contribution for dependants over the age of 25 who are full-time students, financially dependent or who are mentally or physically disabled.

Company subsidy policy - Effective 1 January 2026

• For active employees in job grades E to G, the company pays 50% of the total contribution for immediate family dependants. No subsidy is paid by the company for financial dependants.
• A financial dependant is a dependant who is 21 years of age or older, not studying, but financially dependent on the main member. No company subsidy applies and the member will need to pay the full adult dependant contribution.
• For active employees in job grades A to D, the company's contribution has been taken into account in the cost-to-company package. No additional subsidy will be applied.
• Pensioner members are responsible for the full contribution.
• The member is responsible for the full adult dependant contribution for dependants over the age of 25 who are full-time students, financially dependent or who are mentally or physically disabled.
• The annual allocation to the Medical Spending Account (MSA) will be 15% of the total monthly contribution multiplied by 12 months (MSA contributions are included in the above contribution table).
• Members who join during the year will receive an allocation on a pro rata basis.
• Members who resign during the year will only be entitled to an MSA allocation equal to the number of months they contributed.
• Amounts overspent will be collected from the member.