Company subsidy policy - Effective 1 January 2025

• 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.
• 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 2025

• 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.
• 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 20% 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.