On your tax certificate, we give you the necessary information to complete your tax return:

• The line showing the amount for your contributions shows Remedi contributions for this tax period only. Any backdated changes that apply to this tax period, but that were made after this certificate was created, will be shown on the tax certificate for the next tax period. If you get an IRP5 from your employer, you should rather refer to the contribution amount on the IRP5 when filling in your tax return. If you are a pensioner receiving post-retirement benefits, the IT3 (b) will show this.
• "Claims not recovered from Remedi" refers to claims your Option did not cover, for example, where claims were more than the benefit limit. If you are on the Comprehensive Option, claims paid from your Personal Medical Savings Account (PMSA) will form part of "Claims paid by Remedi". We have included claims processed up to 29 February 2024.
• * A breakdown showing the total number of active members - main member and active dependents - each month (you have to list these on your tax return).

The tax certificate shows only the portion of your monthly contributions for which you can get a tax deduction. We consider only the portion of your monthly contribution paid to Remedi (including your Personal Medical Savings Account, if applicable). Your monthly Vitality or KeyFIT contribution, for example, is not tax deductible.

"Claims not recovered from Remedi" shows claims Remedi did not pay, including any part of a claim not paid. These would be the sum of all processed in-hospital and out-of-hospital claims we did not pay, due to, for example, your funds being used up or your claims being more than your benefit limits.

Amounts you paid upfront (for example, deductibles) are included in this amount. We also include:

• A sum of all received money (for example, a payment of what you owe when the claimed amount is greater than the amount you contributed. This can happen when leaving Remedi).

The portion of your Remedi contributions you can get a tax benefit on is calculated on a monthly maximum rand amount (a "capped amount") that is based on the number of people on your membership.

Visit the SARS website, www.sars.gov.za or contact your tax adviser for more information.

As we administer money within a savings component, we are required to tell you how much interest you have earned.

The amount on this certificate shows the total interest earned on the money left (if any) in your Personal Medical Savings Account.

The IT3 (b) shows the interest you've earned on your Personal Medical Savings Account (if you have one) during the tax year. Interest is calculated in arrears. So, the interest calculated at the end of the month is based on the opening balance for that month.

Remedi accrues contributions to the Personal Medical Savings Account monthly. Whatever you do not use for the current month, earns interest.

If applicable, the closing balances for the Personal Medical Savings Account (if you have one) that are printed on the respective certificates show the total contributions paid into these accounts, minus the claims paid, plus interest earned until 29 February 2024

We consider claims processed (or changes to how the claim was processed) after 29 February 2024 for the next year's tax certificate. Remedi reports the tax data at 29 February 2024 to SARS and cannot issue manual tax certificates.

Your tax certificate should be printed with an 'authorised copy' watermark. If it doesn't, change your printer settings to print background colours and graphics.