BENEFITS
SUMMARY
2016
Subject to approval by The Council for Medical Schemes
PLUS
HOSPITAL BENEFITS
All admissions to hospitals and services must be pre-authorised
PRIVATE AND STATE HOSPITALS
Subject to
pre-authorisation
100% of Scheme Tariff*
SPECIALIST CONSULTATIONS: 200% of Scheme Tariff*
Based on the clinical protocols and formulary
STERILIZATION/VASECTOMY
100% of Scheme Tariff*
Sterilization limited to R13 690 per person per annum
CIRCUMCISION
DIAGNOSTIC INVESTIGATIONS
100% of Scheme Tariff*
e.g. Radiology, Pathology, MRI/PET/CAT scans etc.
100% of Scheme Tariff*
INTERNAL & EXTERNAL PROSTHESIS
ONCOLOGY
100% of DSP Tariff*
Limited to R534 000 per person per annum
Enhanced Protocols and PMB Level of Care
Subject to preauthorisation
100% of Agreed Cost
Limited to R59 200 per family per annum
PSYCHIATRIC TREATMENT
100% of Scheme Tariff*
PMB: 21 days per person per annum.
Non PMB: R19 800 per family per annum
ORGAN TRANSPLANTS
100% of Scheme Tariff*
AIR/ROAD AMBULANCE & EMERGENCY SERVICES
100% of Cost
HOSMED
WE CARE FOR LIFE
WELLNESS BENEFIT
wellness
1 FREE benefit per person per annum as follows:
• Pap Smear for females over 18 years
• Mammogram for females over 40 years
• PSA for males over 40 years
• Cholesterol test over 20 years
• Flu vaccine for all beneficiaries
• Blood sugar test over 15 years
• Colon Cancer Blood Test over 50 years
• Blood Pressure Test
• HIV test
CHRONIC DISEASE
MANAGEMENT
PROGRAMME (CDL) †
100% of Scheme Tariff*
MATERNITY VISIT(S)
Additional 5 visits per pregnancy at GP or Specialist
Designed
around health
screening, risk
appraisal and
personal wellness
programme
ANTENATAL CLASSES
In addition to normal
consultation limit
By registered nurse
Limited to R477 per mother per annum
MATERNITY SONAR(S)
Limited to 3 (2D) sonars per pregnancy for In and Out of hospital
HOME DELIVERY
By registered midwife
Limited to R6 000 per pregnancy
HOSPITAL CONFINEMENT
Pre-authorisation required
NDV: Limited to 2 nights and 3 days. Caesar: Limited to 3 nights and 4 days
chronic
disease management
HIV/AIDS MANAGEMENT PROGRAMME †
100% of Scheme Tariff*
BAMBINO PROGRAMME †
IMMUNISATION BENEFIT
Benefit as per the Immunisation schedule by the Department of Health up to
6 months of age
At 7 months of maternity, the scheme offers a free Maternity bag
†Subject to registration on programme
No overall annual limit
OUT OF HOSPITAL BENEFITS
subject to sub-limits not being exceeded
CONSULTATIONS
CONSERVATIVE DENTISTRY
Including General Practitioners, Specialists and Outpatient
Facilities
100% of Scheme Tariff*
16 visits per person limited to 26 visits per family per annum
Including Dental Therapist
100% of Scheme Tariff*
Unlimited subject to treatment protocols
ADVANCED DENTISTRY
SPECIALIST CONSULTATIONS
Subject to pre-authorisation
Included in consultation benefit. No referral required.
100% of Scheme Tariff*
R5 840 per person, limited to R7 360 per family per annum
ACUTE MEDICINES
APPLIANCES
Including Material and Homeopathic Medicines
100% of Reference Price*
Limited to R4 800 per person and R9 400 per family per annum
100% of Agreed Cost
Limited to R13 344 per family per annum
PHARMACY ADVISED TREATMENT
R4 100 per person, limited to R8 200 per family per annum
Over the Counter Medication
Limited to R975 per family per annum, maximum R191 per script
AUXILIARY BENEFIT
Subject to pre-authorisation
MENTAL HEALTH
100% of Scheme Tariff*
CHRONIC MEDICATION
100% of Reference Price*
PMB’s Unlimited
Non CDL Medication: R12 600 per person,
limited to R24 060 per family per annum
CONTRACEPTIVE BENEFIT
Subject to registration,
treatment protocols and
medicine formulary
Subject to oral and injectable
contraceptives only
Limited to R1 200 per family per annum
PATHOLOGY
100% of Scheme Tariff*
Limited to R4 360 per person per annum
ALTERNATIVE SERVICES
e.g. Homeopathy, Chiropractic etc.
Limited to R3 495 per family per annum
REMEDIAL AND OTHER THERAPIES
e.g. Dieticians, Audiology, Speech Therapy etc.
Limited to R4 430 per family per annum
PHYSIOTHERAPY & BIOKINETICS
R2 340 per person, limited to R3 750 per family per annum
RADIOLOGY
100% of Scheme Tariff*
Limited to R3 210 per person per annum
MRI/PET/CAT SCANS: Limited to 2 scans per person per annum,
subject to pre-authorisation
OPTOMETRY
Benefit available every 24 months
100% of DSP Tariff*
Eye test: R675 per person, Frames: R870 per person
R160 per lens (single vision) R345 per lens (bifocal)
R636 per lens (multifocal vision)
Contact Lenses: R2 915 per person
*Refer to back page for tariff descriptions
OVERALL ANNUAL LIMIT
ON OUT OF HOSPITAL
BENEFITS FOR:
Acute medicines, Advanced
Dentistry, Alternative Services,
Biokinetics & Physiotherapy,
Remedial and Other
Therapies, Mental Health
M
= R10 960
M +1 = R23 090
M +2 = R25 200
M +3 = R27 750
VALUE
HOSPITAL BENEFITS
All admissions to hospitals and services must be pre-authorised
PRIVATE AND STATE HOSPITALS
Subject to
pre-authorisation
100% of Scheme Tariff*
Based on the clinical protocols and formulary
STERILIZATION/VASECTOMY
100% of Scheme Tariff*
Sterilization limited to R13 000 per person per annum
DIAGNOSTIC INVESTIGATIONS
CIRCUMCISION
e.g. Radiology, Pathology, MRI/PET/CAT scans etc.
100% of Scheme Tariff*
100% of Scheme Tariff*
ONCOLOGY
100% of Agreed Cost
Limited to R41 181 per family per annum
100% of DSP Tariff*
Limited to R247 000 per person per annum
Standard Protocols and PMB Level of Care
Subject to preauthorisation
INTERNAL & EXTERNAL PROSTHESIS
PSYCHIATRIC TREATMENT
100% of Scheme Tariff*
PMB: 21 days per person per annum.
Non PMB: R17 600 per family per annum
ORGAN TRANSPLANTS
100% of Scheme Tariff*
AIR/ROAD AMBULANCE & EMERGENCY SERVICES
100% of Cost
HOSMED
WE CARE FOR LIFE
WELLNESS BENEFIT
wellness
1 FREE benefit per person per annum as follows:
• Pap Smear for females over 18 years
• Mammogram for females over 40 years
• PSA for males over 40 years
• Cholesterol test over 20 years
• Flu vaccine for all beneficiaries
• Blood sugar test over 15 years
• Colon Cancer Blood Test over 50 years
• Blood Pressure Test
• HIV test
CHRONIC DISEASE
MANAGEMENT
PROGRAMME (CDL) †
100% of Scheme Tariff*
BAMBINO PROGRAMME †
MATERNITY VISIT(S)
Additional 2 visits per pregnancy at GP or Specialist
Designed
around health
screening, risk
appraisal and
personal wellness
programme
In addition to normal
consultation limit
MATERNITY SONAR(S)
Limited to 2 (2D) sonars per pregnancy for In and Out of hospital
HOME DELIVERY
By registered midwife
Limited to R5 000 per pregnancy
HOSPITAL CONFINEMENT
Pre-authorisation required
NDV: Limited to 1 night and 2 days. Caesar: Limited to 2 nights and 3 days
IMMUNISATION BENEFIT
chronic
disease management
Benefit as per the Immunisation schedule by the Department of Health up to
6 months of age
At 7 months of maternity, the scheme offers a free Maternity bag
HIV/AIDS MANAGEMENT PROGRAMME †
100% of Scheme Tariff*
†Subject to registration on programme
No overall annual limit
OUT OF HOSPITAL BENEFITS
subject to sub-limits not being exceeded
CONSULTATIONS
CONSERVATIVE DENTISTRY
Including General Practitioners and Outpatient Facilities
100% of Scheme Tariff*
8 GP visits per person limited to 18 GP visits per family per annum
Including Dental Therapist
100% of Scheme Tariff*
Unlimited subject to treatment protocols
SPECIALIST CONSULTATIONS
ADVANCED DENTISTRY
NB: All specialist consultations require GP referral or payment will be
made at GP rates, except for Gynaecologists & Paediatricians
Member: 3 visits, Member +1: 5 visits, Member +2+: 7 visits
100% of Scheme Tariff*
R3 820 per person, limited to R5 460 per family per annum
ACUTE MEDICINES
100% of Agreed Cost
Limited to R12 020 per family per annum
Including Material and Homeopathic Medicines
100% of Reference Price*
Limited to R3 040 per person and R6 170 per family per annum
APPLIANCES
Subject to pre-authorisation
Subject to pre-authorisation
MENTAL HEALTH
R2 530 per person, limited to R6 360 per family per annum
PHARMACY ADVISED TREATMENT
Over the Counter Medication
Limited to R600 per family per annum, maximum R135 per script
CHRONIC MEDICATION
Subject to registration, treatment
protocols and medicine formulary
100% of Reference Price*
PMB’s Unlimited
Non CDL Medication: R5 936 per person, limited to R11 980 per
family per annum
CONTRACEPTIVE BENEFIT
Subject to oral and injectable
contraceptives only
AUXILIARY BENEFIT
100% of Scheme Tariff*
ALTERNATIVE SERVICES
e.g. Homeopathy, Chiropractic etc.
Limited to R3 220 per family per annum
REMEDIAL AND OTHER THERAPIES
e.g. Dieticians, Audiology, Speech Therapy etc.
Limited to R3 110 per family per annum
Limited to R1 200 per family per annum
PHYSIOTHERAPY & BIOKINETICS
PATHOLOGY
100% of Scheme Tariff*
Limited to R2 385 per person per annum
R1 460 per person, limited to R2 420 per family per annum
RADIOLOGY
100% of Scheme Tariff*
Limited to R1 855 per person per annum
MRI/PET/CAT SCANS: Limited to 2 scans per person per annum,
subject to pre-authorisation
OPTOMETRY
Benefit available every 24 months
100% of DSP Tariff*
Eye test: R675 per person, Frames: R580 per person
R160 per lens (single vision) R345 per lens (bifocal/multifocal vision)
Contact Lenses: R1 810 per person
*Refer to back page for tariff descriptions
OVERALL ANNUAL LIMIT
ON OUT OF HOSPITAL
BENEFITS FOR:
Acute medicines, Advanced
Dentistry, Alternative Services,
Biokinetics & Physiotherapy,
Remedial and Other
Therapies, Mental Health
M
= R8 500
M +1 = R17 950
M +2 = R19 525
M +3 = R21 625
ACCESS
HOSPITAL BENEFITS
All admissions to hospitals and services must be pre-authorised
PRIVATE AND STATE HOSPITALS
100% of Scheme Tariff* at DSP*
UNLIMITED for PMB conditions
Subject to treatment
protocols and formulary
ORGAN TRANSPLANTS
100% of Scheme Tariff*
Subject to preauthorisation
INTERNAL & EXTERNAL PROSTHESIS
DIAGNOSTIC INVESTIGATIONS
e.g. Radiology, Pathology, MRI/PET/CAT scans etc.
100% of Scheme Tariff* at DSP*
Pathology: R10 600
Radiology: R10 600
MRI/PET/CAT scans: Limited to 2 scans per person per annum
In & Out of hospital
ONCOLOGY
Limited to PMB conditions only
100% of DSP Tariff*
Standard protocol and PMB Level of Care
PSYCHIATRIC TREATMENT
100% of Scheme Tariff*
PMB conditions only
AIR/ROAD AMBULANCE & EMERGENCY SERVICES
100% of Cost
Co-Payment applicable to certain procedures in Hospital
Please refer to full brochure / website
Day Hospital Procedures
Please refer to full brochure / website
onee at DSP
o
S hospital
osp
p ta network
et o
The Scheme can channel procedures to be done
HOSMED
WE CARE FOR LIFE
WELLNESS BENEFIT
100% of Agreed Cost
Limited to R26 500 per family per annum
wellness
1 FREE benefit per person per annum as follows:
• Pap Smear for females over 18 years
• Mammogram for females over 40 years
• PSA for males over 40 years
• Cholesterol test over 20 years
• Flu vaccine for all beneficiaries
• Blood sugar test over 15 years
• Blood Pressure Test
• HIV test
BAMBINO PROGRAMME †
MATERNITY VISIT(S)
Designed
around health
screening, risk
appraisal and
personal wellness
programme
Additional 3 visits at GP and 2 visits at Gynaecologist
per pregnancy
In addition to normal
consultation limit
MATERNITY SONAR(S)
Limited to 2 (2D) sonars per pregnancy for In and Out of hospital
HOSPITAL CONFINEMENT
Pre-authorisation required
NDV: Limited to 1 night and 2 days. Caesar: Limited to 2 nights and 3 days
at DSP Hospital Network
IMMUNISATION BENEFIT
CHRONIC DISEASE
MANAGEMENT
PROGRAMME (CDL) †
100% of Scheme Tariff*
Benefit as per the Immunisation schedule by the Department of Health up to
6 months of age
chronic
At 7 months of maternity, the scheme offers a free Maternity bag
disease management
HIV/AIDS MANAGEMENT PROGRAMME †
100% of Scheme Tariff*
†Subject to registration on programme
Overall limit
OUT OF HOSPITAL BENEFITS
R1 000 000 per family per annum
Benefit available every 24 months
CONSULTATIONS AND ACUTE MEDICATION
OPTOMETRY
Collective Benefit
Main Member R3 710
Adult: R2 650
Child: R1 590
Subject to utilization of any GP within the DSP at 100% DSP* Tariff
100% of DSP Tariff*
Eye test: R675 per person, Frames: R315 per person
R160 per lens (single vision) R345 per lens (bifocal/multifocal vision)
Contact Lenses: R820 per person
If Non-DSP* GP is utilized voluntarily:
25% Co-payment payable by member per visit
at 100% Scheme Tariff
CONSERVATIVE DENTISTRY
Including Dental Therapist
100% of Scheme Tariff* at DSP*
Dental protocols apply and pre-authorisation required
PHARMACY ADVISED TREATMENT
Over the counter Medication
Limited to R475 per family per annum, maximum R85 per script
SPECIALIST CONSULTATIONS
NB: All Specialist Consultations require General Practitioner referral
or payment will be made at GP rates, except for Gynaecologist &
Paediatricians
100% of Scheme Tariff*
Limited to 3 visits per dependant and 5 visits per family
Subject to registration,
treatment protocols and
medicine formulary
PMB CHRONIC DISEASE LIST
MEDICINES (CDL)
100% of Reference Price at DSP*
PMB’s Unlimited
Chronic Disease list Medicines only
Subject to PMB’s only
ADVANCED DENTISTRY
Subject to pre-authorisation
APPLIANCES
100% of Agreed Cost
Limited to R5 600 per family per annum
In & Out of hospital – PMB’s only
MENTAL HEALTH
Subject to PMB’s only
AUXILIARY BENEFIT
Collective Benefit
100% of Scheme Tariff*
Limited to R1 590 per person and R5 300 per family
ALTERNATIVE SERVICES
CONTRACEPTIVE BENEFIT
Subject to oral and injectable
contraceptives only
Limited to R800 per family per annum
PATHOLOGY AND RADIOLOGY
Collective Benefit
100% of Scheme Tariff*
Limited to R1 800 per person per annum
e.g. Homeopathy, Chiropractic etc.
REMEDIAL AND OTHER THERAPIES
**Limited to Network
Provider only
MRI/PET/CAT SCANS: Limited to 2 scans per person per annum,
subject to pre-authorisation. In and Out of hospital
e.g. Dieticians, Audiology, Speech Therapy etc.
PHYSIOTHERAPY & BIOKINETICS
*Out of hospital only
CIRCUMCISION
100% of DSP Tariff* at DSP GP or
100% of Scheme Tariff*/at Specialist
*Refer to back page for tariff descriptions
ESSENTIAL
HOSPITAL BENEFITS
All admissions to hospitals and services must be pre-authorised
PRIVATE AND STATE HOSPITALS
100% of Scheme Tariff* at DSP*
UNLIMITED for PMB conditions
Subject to treatment
protocols and formulary
ORGAN TRANSPLANTS
100% of Scheme Tariff*
Subject to preauthorisation
INTERNAL & EXTERNAL PROSTHESIS
DIAGNOSTIC INVESTIGATIONS
e.g. Radiology, Pathology, MRI/PET/CAT scans etc.
100% of Scheme Tariff* at DSP*
Combined limited of R5 300 per person per annum
MRI/PET/CAT scans: Limited to 2 scans per person per annum
In & Out of hospital
ONCOLOGY
Limited to PMB conditions only.
100% of DSP Tariff*
Standard protocol and PMB Level of Care
PSYCHIATRIC TREATMENT
100% of Scheme Tariff*
PMB conditions only
AIR/ROAD AMBULANCE & EMERGENCY SERVICES
100% of Cost
Co-Payment applicable to certain procedures in Hospital
Please refer to full brochure / website
Day Hospital Procedures
Please refer to full brochure / website
p network
The Scheme can channel procedures to be done at DSP hospital
HOSMED
WE CARE FOR LIFE
WELLNESS BENEFIT
100% of Agreed Cost
Limited to R16 854 per family per annum
wellness
1 FREE benefit per person per annum as follows:
• Pap Smear for females over 18 years
• Mammogram for females over 40 years
• PSA for males over 40 years
• Cholesterol test over 20 years
• Flu vaccine for all beneficiaries
• Blood sugar test over 15 years
• Blood Pressure Test
• HIV test
BAMBINO PROGRAMME †
MATERNITY VISIT(S)
Unlimited GP visits at DSP*
Designed
around health
screening, risk
appraisal and
personal wellness
programme
In addition to normal
consultation limit
MATERNITY SONAR(S)
Limited to 2 (2D) sonars per pregnancy for In and Out of hospital
HOSPITAL CONFINEMENT
Pre-authorisation required
NDV: Limited to 1 night and 2 days.
Caesar: Limited to 2 nights and 3 days
at DSP Hospital Network
IMMUNISATION BENEFIT
CHRONIC DISEASE
MANAGEMENT
PROGRAMME (CDL) †
100% of Scheme Tariff*
Benefit as per the Immunisation schedule by the Department of Health up to
6 months of age
chronic
At 7 months of maternity, the scheme offers a free Maternity bag
disease management
HIV/AIDS MANAGEMENT PROGRAMME †
100% of Scheme Tariff*
†Subject to registration on programme
Overall limit
R740 000 per family per annum
OUT OF HOSPITAL BENEFITS
Referral by Network
Provider only
CONSULTATIONS AND ACUTE MEDICATION
RADIOLOGY
100% of Scheme Tariff*
Limited to R740 per person per annum
NOMINATED DSP GP:
Unlimited visits & acute medication from selected 3 Nominated DSP*
from Network
MRI/PET/CAT SCANS: Limited to 2 scans per person per annum,
subject to pre-authorisation. In and Out of hospital
NON-NOMINATED DSP GP:
Non-nominated GP’s limited to 1 visit per person and 2 visits per
family per annum to a maximum of R740 including acute
medication with a 20% co-payment
OPTOMETRY
Benefit available every 24 months
100% of DSP Tariff*
Eye test: R620 per person, Frames: R160 per person
R160 per lens (single vision) R345 per lens (bifocal/multifocal vision)
Contact Lenses: R445 per person
ACUTE MEDICATION OBTAINED FROM PHARMACY
R950 per person limited to R2 650 per family per annum
CONSERVATIVE DENTISTRY
Including Dental Therapist
PHARMACY ADVISED TREATMENT
Over the counter Medication
Limited to R210 per family per annum, maximum R80 per script
Subject to pre-authorisation
SPECIALIST CONSULTATIONS
NB: All Specialist Consultations require General Practitioner referral
or payment will be made at GP rates, except for Gynaecologist &
Paediatricians
100% of Scheme Tariff*
Limited to 3 visits per family per annum
only on referral from nominated DSP GP
100% of Reference Price at DSP*
PMB’s Unlimited
Chronic disease list Medicines only
CONTRACEPTIVE BENEFIT
Limited to R740 per person per annum
Subject to pre-authorisation
APPLIANCES
100% of Agreed Cost
Limited to R2 500 per family per annum
In & Out of hospital – PMB’s only
PMB only
Subject to PMB’s only
AUXILIARY BENEFIT
REMEDIAL AND OTHER THERAPIES
e.g. Dieticians, Audiology, Speech Therapy etc.
Subject to oral and injectable
contraceptives only
Limited to R600 per family per annum
PATHOLOGY
Subject to PMB’s only
ADVANCED DENTISTRY
MENTAL HEALTH
Subject to registration,
treatment protocols and
medicine formulary
PMB CHRONIC DISEASE LIST
MEDICINES (CDL)
100% of Scheme Tariff* at DSP
Dental protocols apply and pre-authorisation required
**Limited to Network
Provider only
PHYSIOTHERAPY & BIOKINETICS
CIRCUMCISION
*Out of hospital only
100% of DSP Tariff* at DSP GP or
100% of Scheme Tariff*/at Specialist
*Refer to back page for tariff descriptions
2016 CONTRIBUTIONS
MONTHLY INCOME
MEMBER
ADULT
CHILD*
PLUS
R0+
R3 736
R2 492
R560
VALUE
R0 – R7 000
R2 345
R1 622
R367
R7 001 +
R2 695
R1 865
R419
R0 – R7 000
R1 635
R1 405
R359
R7 001 +
R2 022
R1 742
R393
R0 – R7 000
R942
R860
R323
R7 001 – R12 000
R1 404
R1 281
R354
R12 001+
R1 755
R1 602
R679
ACCESS
ESSENTIAL
Pictures for illustration purposes only
*Maximum 3 children per family charged
SERVICE PROVIDERS
GENERAL ADMINISTRATION
THEBE YA BOPHELO ADMINISTRATORS
HOSPITAL BENEFIT MANAGEMENT
AND DISEASE BENEFIT MANAGEMENT
PRIVATE HEALTHCARE ADMINISTRATORS (PHA)
PHARMACEUTICAL BENEFIT
MANAGEMENT
0860 00 00 48
[email protected]
[email protected]
[email protected]
[email protected] (HIV)
[email protected]
Mediscor Contact Centre
claims queries
Tel: 0860 117 705 / 0860 113 238
E-mail: [email protected]
MEDISCOR
Mediscor ChroniLine
chronic applications and queries
Tel: 0860 119 553
E-mail: [email protected]
OPTICAL BENEFIT MANAGEMENT
PREFERRED PROVIDER NETWORKS (PPN)
Claims submissions
[email protected] or [email protected]
Claims queries
[email protected]
DENTAL BENEFIT MANAGEMENT
DENTAL RISK COMPANY (DRC)
[email protected]
[email protected]
[email protected]
PREMIUM PENALTIES FOR PERSONS JOINING LATE IN LIFE:
Premium penalties for persons joining late in life. Premium penalties will be
applied in respect of persons over the age of 35 years, who were without medical
scheme cover for the period indicated hereunder after the age of 35 years as follows:
1–4
5 – 14
15 – 24
25 + years
@
@
@
@
0.05 multiplied by the relevant contribution above
0.25 multiplied by the relevant contribution above
0.50 multiplied by the relevant contribution above
0.75 multiplied by the relevant contribution above
“creditable coverage” means any period of verifiable medical scheme membership of
the applicant or his or her dependant, but excluding membership as a child dependant,
terminating two years or more before the date of the latest application for membership.
Any years of creditable coverage which can be demonstrated by the applicant or his
or her dependant shall be subtracted from his or her current age in determining the
applicable penalty.
* Scheme Tariff:
The tariff determined or adopted by the Board in respect of the payment for healthcare services
* DSP Tariff:
The fee determined in terms of an agreement between the Scheme and a Service Provider or a
group of service providers in respect of the payment for the relevant health services
Terms and conditions
- 3 month general waiting period
(subject to the rights of interchangeability)
- 12 months condition specific waiting period for pre-existing conditions
(subject to the rights of interchangeability)
Disclaimer:
Every effort has been made to ensure that this leaflet is an accurate
explanation of the benefits offered by Hosmed Medical Scheme.
Please note that this document does not replace the Rules of the Fund,
which take precedence over any wording in this guide.
CALL CENTRE
0860 00 00 48
www.hosmed.co.za