Corporate health COVER. Bringing you corporate Benefits

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1 Corporate health COVER Bringing you corporate Benefits

2 We ll help find a healthier you It s our purpose that makes us different we want our members to live longer, healthier, happier lives. We offer more than health cover. Our expertise extends to health assessments and health coaching, wellness programs, optical care, aged care and international health cover. We offer information and tools to help you manage your health. And as a member, you ll enjoy access to great value travel, home, car and life insurance. A commitment to our members We re part of a global family, who reinvests our profits to provide better services for our members. We proudly offer affordable, high-quality health cover to more than three million Australians.

3 WELCOME TO BUPA We understand health insurance can be confusing and complex. That s why you can rely on us for a clearer, simpler approach. No matter what stage of life you are at, we offer a wide range of carefully tailored plans to help suit your needs. Because we re here to help find a healthier you. Contents Some great reasons to have private health insurance Benefits available on Corporate Health Cover We ll help you find a cover that fits 4 Ultimate Corporate Health Cover 5 Hospital Cover 9 Extras Cover 14 Benefits way beyond health cover 22 Claiming made easy 24 Joining is simple

4 some Great reasons to have Private health insurance It pays to join earlier in life Did you know the cost of your hospital cover depends on the age you first take it out? That s because after you turn 31, the Federal Government s Lifetime Health Cover (LHC) loading means your premium could increase by 2% a year, to a maximum of 70%. This applies for 10 continuous years. Want to avoid the loading? Just take out and maintain hospital cover from 30 June, following your 31st birthday. For couples/families, any loadings are shared across both adults on the membership. Bupa cover could be less than the cost of the Surcharge Did you know the Medicare Levy Surcharge (MLS) kicks in if you don t have private hospital cover and earn over $84,000 (for singles), or $168,000 (for couples/families)?* Your surcharge may even be more than the cost of some Bupa hospital covers. Talk to your tax adviser or visit ato.gov.au Want money back in your pocket? Here s good news. The Australian Government Rebate on private health insurance could help make your private health cover more affordable. The rebate is available to any Australian eligible for Medicare, and applies to all Bupa covers in this brochure. The rebate is quick and easy to claim. You can choose to get it as a reduced premium, claim it directly from Medicare or receive it as a lump sum at tax time. When you join Bupa, we'll help you understand and nominate your most suitable rebate tier. If you have any questions about how the Australian Government rebate and MLS can impact your health cover, we re here to help. Call us today and speak to one of our consultants. Call us on Drop by your local Bupa centre *Note: Thresholds are effective 1 July 2012 and are indexed annually. On a family membership this increases by $1,500 per child after the first child. The family thresholds apply to single parent families, couples including de facto couples. There are specific rules for calculating adjusted taxable income for Medicare Levy Surcharge and income testing purposes. For more information go to ato.gov.au 2

5 BENEFITS AVAILABLE ON corporate health cover Gap free physio and general dental for kids* We ll cover the cost of your kids physio and general dental until they turn 25. That means no out-of-pocket expenses for kids dental check-ups, teeth cleaning, fillings, x-rays and more.* And no out of pocket costs for physio in most instances.* At Bupa, we help take care of your kids' health. No gap optical packages You ll have access to the no gap range of fixed-priced packages on glasses and contact lenses at no additional cost if you visit our Members First optical providers including: BLINK Optical, Kevin Paisley Fashion Eyewear, National Pharmacies Optical, Prevue Eyewear, Stacey and Stacey Optometrists and selected independent retailers. Also, at Specsavers you can choose from a range of fixed priced frames and lens packages with no out of pocket costs. Australia s largest combined provider network^ Take advantage of Australia's largest combined provider network for general dental, optical, physiotherapy and chiropractic services. If you have extras cover with us, and visit a Members First provider, in most instances you will have the certainty of knowing how much you will get back. No excess for kids There is also no excess payable if your child is admitted to hospital on Corporate Hospital Top and Corporate Hospital Intermediate. Accident benefit # If you are involved in an accident after joining and require urgent hospital treatment, the accident benefit provides up to $2,000 per person, $4,000 per policy which can be used: a) to pay for hospital excess(es) and/or b) to boost extras cover in the event that limits have been reached. *Available on Ultimate Corporate Health Cover, Corporate Advantage and Corporate Classic covers when taken with hospital cover on a family membership, when treatment is provided by a Members First dentist or physiotherapist. Fund rules, waiting periods and annual maximums apply. Child dependants only. Includes Major Dental in VIC and SA only. Excludes orthodontics and hospital treatments. Optical benefits are subject to your level of cover, annual maximums and waiting periods. Conditions apply. ^As at 1 January 2013 for dental, optical, physio and chiro providers. # Available on Ultimate Corporate Health Cover, Corporate Advantage and Corporate Classic covers. 3

6 W e ll h e l p y o u f i n d A COVER T H AT f i t s We re here to help you find the health insurance that suits you. For our very best, select our Ultimate Corporate cover which combines hospital and extras. Alternatively tailor your own cover by choosing any of our hospital covers then adding one of our extras covers. The following pages will help you to understand your options so you can choose what s right for you. 1. Ch o o s e yo u r Ult i m at e c o v e r Our set package combines both our top hospital and extras into one cover. See page 5. or 2. Ch o o s e yo u r H o s p i ta l cov e r 3. Ch o o s e yo u r e x t r a s cov e r This helps pay for treatment in hospital and generally gives you the peace of mind of being able to choose your doctor, as well as when and where you are treated. See page 9. Our extras cover you for services that Medicare often doesn t cover including dental, optical, physio, chiro, massage and much more. See page

7 BENEFITS AVAILABLE ON ultimate corporate health cover Freedom to choose your provider We pay the same dollar benefit at all recognised providers. If you choose to be treated at a Members First provider you will also have the added certainty of receiving up to 100% of the cost back for selected services on your Ultimate cover. Accident benefit If you are involved in an accident after joining and require urgent hospital treatment, the accident benefit provides up to $2,000 per person, $4,000 per policy which can be used to boost extras cover in the event that limits have been reached. Fixed fee reimbursement Ultimate Corporate Health Cover members will be reimbursed if charged a fixed daily fee by any of our contracted fixed fee hospitals.^ Gap free physio and general dental for kids* We ll cover the cost of your kid s physio and general dental until they turn 25. That means no out-of-pocket expenses for kids dental check-ups, teeth cleaning, fillings, x-rays and more.* And no out-of-pocket costs for physio in most instances.* At Bupa, we help take care of your kids' health. ultimate CORPORATE HEALTH COVER 100% cover for laser eye surgery For most laser eye corrective surgery (excludes lens implant for eye correction) when performed by a Bupa approved provider. A three year waiting period applies. Gap Bonus Receive a $200 Gap Bonus when you join, and another $200 at the start of each calendar year per membership, to help pay for any medical gaps charged by your doctor or specialist when admitted to hospital. Plus, any unused bonus amounts will accumulate. No gap optical packages You ll have access to the no gap range of fixed-priced packages on glasses and contact lenses at no additional cost if you visit our Members First optical providers including: BLINK Optical, Kevin Paisley Fashion Eyewear, National Pharmacies Optical, Prevue Eyewear, Stacey and Stacey Optometrists and selected independent retailers. Also, at Specsavers you can choose from a range of fixed-priced frames and lens packages with no out of pocket costs. ^To see if your chosen facility has an arrangement with us, view our current Bupa Hospital Listing on our website or call us. *Available when taken with hospital cover on a family membership, when treatment is provided by a Members First dentist or physiotherapist. Fund rules, waiting periods and annual maximums apply. Child dependants only. Includes Major Dental in VIC and SA only. Excludes orthodontics and hospital treatments. Optical benefits are subject to your level of cover, annual maximums and waiting periods. Conditions apply. 5

8 ultimate CORPORATE HEALTH COVER Ultimate Corporate Health Cover gives you our very best level of hospital cover with no excess or co-payment to pay. Plus you can enjoy all the benefits of our top extras cover and a range of additional unique benefits. hospital What s covered? For Inpatient Services included on cover: accommodation for overnight and same-day stays operating theatre, intensive care Bupa Medical Gap Scheme available surgically implanted prosthesis all other inpatient treatments receiving a Medicare benefit. Examples of what you are covered for include: accidents after joining knee arthroscopy and meniscectomy procedures appendicitis removal of tonsils and adenoids dental surgery gynaecological surgery psychiatric services rehabilitation services pregnancy related services (including childbirth) and assisted reproductive services cardiac and cardiac related services (e.g. open heart and bypass surgery) renal dialysis for chronic renal failure cataract and eye lens procedures hip/knee replacement (including arthroplasty, revisions and resurfacing procedures) all other joint replacements. You can also enjoy: a single room or $50 back when you book your overnight admission at our Members First hospitals (conditions apply contact us for details)* special benefits to help pay for meals and accommodation for a relative or carer who stays with you in hospital health subscription refunds (e.g. Asthma Foundation membership fees) baby books plus a parent and baby wellbeing program (available for expectant parents) a benefit towards a subscription with your state ambulance provider (where available), and capped emergency and on the spot ambulance services included in your cover. ~ Extras Receive 100% back general dental at any recognised provider up to the first $500 per person per year major dental at any recognised provider up to your annual maximums all orthodontics at any recognised provider until your annual maximum and lifetime limit has been reached physio and chiro at any recognised provider up to the first $350 per person per year a range of fixed-priced packages on spectacles and contact lenses from our Members First providers. Waiting periods apply, see page 7 for full details. See the Important Information Guide at bupa.com.au/corporate-info *To see if your chosen facility has an arrangement with us, view our current Bupa Hospital Listing on our website or call us. ~ Limits apply see page 7 or the Important Information Guide at bupa.com.au/corporate-info. 6

9 Extras Services % back at Members First providers for general dental, physio and chiro General Dental ultimate CORPORATE HEALTH COVER Waiting Periods Annual Maximums Per Person Per Calendar Year Up to 100% Unlimited (No Gap for kids see page 5) Major Dental 1 $1,600 Orthodontics Optical Physiotherapy Chiropractic and Osteopathy 1 $1,400 per person $3,200 Lifetime Limit $420 or $300 (No Gap optical packages see page 5) $1,500 (No Gap for kids see page 5) $1,000 (per person) $1,600 (per family) Antenatal and Postnatal $500 Natural Therapies includes: acupuncture, Alexander Technique, Chinese herbalism, exercise physiology, Feldenkrais, homeopathy, iridology, naturopathy and Western herbalism. Massage includes: aromatherapy, Bowen Technique, kinesiology, reflexology, shiatsu, and remedial massage. $1,000 Includes sub-limits for massage: $250 per person, $500 per membership Living Well (see page 22) 6 months $300 Pharmacy^^ $1,500 Dietary $1,000 Psychology $1,000 Podiatry (excludes orthotics) $1,000 Speech Therapy $1,000 Eye Therapy $1,000 Occupational Therapy $1,000 Home Nursing $400 Health Aids and Appliances (includes orthotics)* Hire Repair and Maintenance of Health Aids and Appliances Travel and Accommodation Accident Benefit # Emergency Ambulance Services = Members First = non-members First 1 $1,000 6 months None None $100 combined limit with Health Aids and Appliances $200 Travel $300 Accommodation $2,000 per person $4,000 per membership 1 service per year (singles) 2 services per year (families) Ultimate CORPORATE HEALTH COVER See the Important Information Guide at bupa.com.au/corporate-info and the Corporate Benefits Guide to find out more about your hospital and extras cover. For most items at our Members First providers covering general dental, physio and chiro services. Includes major dental in VIC and SA only. Excludes orthodontics and hospital treatments. Fund rules, waiting periods and annual maximums apply. ^^Benefits for prescription items that are non-pbs, TGA approved, and not appearing on our exclusions list. Waiting periods apply, see pages for more details. *See page 20. # When an accident requires urgent hospital treatment, can boost annual maximums on extras. Limits apply see the Important Information Guide. 7

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11 YOUR HOSPITAL COVER AT A GLANCE ALL COVERS SUITABLE FOR SINGLES, COUPLES AND FAMILIES Hospital cover Choose from our three excellent hospital cover options from basic to comprehensive depending on your needs. Comprehensive CORPORATE HOSPITAL TOP Take out our top hospital cover and have peace of mind knowing that you're covered for almost everything, plus you get a choice of excesses to help lower the cost of your premium. CORPORATE HOSPITAL INTERMEDIATE Level 1 NIL EXCESS Level 1 NIL EXCESS Level 2 $ 250 EXCESS Level 2 $ 250 EXCESS Level 3 $ 500 EXCESS Level 3 $ 500 EXCESS This level of hospital cover gives you cover for all the important services including pregnancy and cardiac. You also get a choice of excess options to help lower the cost of your premium. CORPORATE HOSPITAL SAVER Level 1 NIL EXCESS Level 2 $ 250 EXCESS Level 3 $ 500 EXCESS BASIC This option covers you for many services while restricting some treatments that you think you may not need right now. You also get a choice of excesses to help lower the cost of your premium. Please note that pregnancy related services (including childbirth) are restricted. 9

12 Hospital cover What s covered Hospital cover helps pay for services that are recognised by Medicare when you are admitted to hospital. When a service is included in your hospital or packaged cover we will help pay for things including: your room, theatre fees, surgically implanted prostheses and fees charged by your doctor/s when they treat you in hospital. What s not covered There are situations where you are likely not to be covered under any of our Hospital Covers. The following are not covered by us at all (which means that we do not pay any benefits for hospital costs, prostheses or medical fees): procedures not recognised by Medicare procedures not approved by the Medical Services Advisory Committee experimental treatment respite care cosmetic surgery that is not clinically required. Surgical podiatry will be paid at minimum benefits. If during a surgical podiatry procedure a prosthesis is implanted, the cost of this will be covered up to the approved benefits prescribed in the Government s Prostheses List. Minimum Benefits For services in a private hospital which are recognised by Medicare, we will pay minimum shared room benefits and you will have your choice of doctor. These benefits would not be adequate to cover all hospital costs and are likely to result in large out of pocket expenses. For services in a public hospital which are recognised by Medicare, we will pay minimum shared room benefits and you will have your choice of doctor. If these benefits are less than the public hospital charges, you will have out of pocket expenses to pay. Staying in a Public Hospital? As a private patient in a public hospital you are entitled to choose your doctor, if they are available. For services recognised by Medicare (that is not excluded or restricted on your cover) if you elect to be treated as a private patient in a public hospital, we will pay shared room minimum benefits and benefits for prostheses up to the benefit prescribed in the Government's Prostheses List. If you choose to stay in a private room for an overnight stay, Bupa will pay a fixed benefit in addition to the shared room minimum benefit. It is important to note that in public hospitals, private rooms are generally allocated to people who medically need them. If the hospital charges are greater than the Bupa benefit, you will be required to pay the balance as an out of pocket expense. The hospital should let you know what these expenses will be before you elect to be a private patient. You should always contact us before you go to hospital. 10

13 Hospital cover Waiting periods A waiting period is the time between when you joined us and when you are covered for a service or treatment. If you receive a service or treatment during this time, you are not eligible to receive a benefit payment from us, regardless of when you submit the claim. The following waiting periods apply to hospital cover: pre existing conditions, ailments or illnesses and pregnancy related services (including childbirth) 1 all other treatments covered by your product two months. There is no waiting period for treatment you require as a result of an accident sustained after joining us. There are also no waiting periods for newborn babies provided you are on a family hospital cover and the baby is added to your membership no later than two months after their birth. Excess An excess is the amount you agree to pay upfront before a benefit is paid for overnight or same day hospital admissions. The total excess is payable once per person per calendar year, up to a maximum of twice on the membership. Each person on the membership will never pay the excess more than once per calendar year. If the total excess is not reached in a single hospital admission then the remaining balance of the excess is payable on any subsequent admission that person may have in the same calendar year. Bupa Medical Gap Scheme This is a direct billing arrangement between Bupa and your doctor/s that either eliminates or reduces out of pocket expenses for in hospital doctors fees (the gap ). See page 24 for more information. Get more value with Bupa a choice of excesses to lower the cost of your cover our Members First and Network hospital agreements which help to eliminate or reduce your out of pocket expenses* a single room or $50 back when you book your overnight admission at Members First hospitals (conditions apply contact us for details)* no out of pocket hospital expenses and no gaps on your doctors fees at our Members First day facilities*^ capped emergency and on the spot ambulance services included in your cover. ~ See the Important Information Guide at bupa.com.au/corporate-info to find out more. *To see if your chosen facility has an arrangement with us, view our current Bupa Hospital Listing on our website or call us. ^Available in NSW, QLD, SA, VIC and WA. ~ Limits apply see pages or the Important Information Guide at bupa.com.au/corporate-info. 11

14 Compare your hospital cover Services corporate hospital Top corporate hospital intermediate corporate hospital saver For Inpatient Services included on cover: Accommodation for Overnight and Same-day Stays Operating Theatre, Intensive Care Bupa Medical Gap Scheme available Surgically Implanted Prothesis Accidents After Joining Knee Arthroscopy and Meniscectomy Procedures Appendicitis Removal of Tonsils and Adenoids Dental Surgery Gynaecological Surgery Psychiatric Services Rehabilitation Services Pregnancy Related Services (including childbirth) and Assisted Reproductive Services Cardiac and Cardiac Related Services (e.g. open heart and bypass surgery) Renal Dialysis for Chronic Renal Failure Cataract and Eye Lens Procedures Hip/Knee Replacement (including arthroplasty, revisions and resurfacing procedures) All Other Joint Replacements All other Inpatient Treatments Receiving a Medicare benefit Additional Items: Baby Books (contact us for details) Emergency Ambulance Services^ Health Subscription Refunds^^ Special Benefits (contact us for details) Excess Options Nil $250 $500 Nil $250 $500 No Excess for Kids = Minimum Benefits. = Service is included. = Service is not included. Waiting periods apply, see page 11. Nil $250 $500 ^Limits apply see page or see the Important Information Guide at bupa.com.au/corporate-info. ^^Health Subscription Refunds applies to Corporate Hospital Top, Levels 1 and 2 only (i.e. nil and $250 excess). 12

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16 YOUR EXTRAS COVER AT A GLANCE ALL COVERS SUITABLE FOR SINGLES, COUPLES AND FAMILIES Extras cover is a great way to help you proactively manage your health. We have laid out our extras covers side by side to help you to compare what works for you. Extras are only available when combined with a level of corporate hospital cover. CORPORATE ADVANTAGE Comprehensive With Corporate Advantage you can relax knowing that you re covered to our highest level of extras cover. The real advantage here is access to a wide range of services that Medicare doesn t cover with at least 90% back at Members First providers. CORPORATE CLASSIC If you want access to a complete range of extra services and generous benefits and at least 80% back at Members First Providers then this option may be for you. BASIC CORPORATE ESSENTIALS With Corporate Essentials, you ll enjoy access to a range of key services with at least 70% back at Members First providers. 14

17 Extras cover Extras cover Save with Australia's largest combined Members First network* Our extensive Members First provider network offers nation-wide access to general dental, optical, physiotherapy and chiropractic services. If you have extras cover with us, you can save money by choosing these providers. You will also have the certainty of knowing how much you'll get back in most instances. Visit our website to find a Members First provider near you. Also, keep an eye out for the following logo at your providers: Members First Optical You'll receive higher benefits at Members First providers including: BLINK Optical, Kevin Paisley Fashion Eyewear, National Pharmacies Optical, Prevue Eyewear, Stacey and Stacey Optometrists and selected independent retailers. Plus you'll have access to the 'no gap' range of fixed priced packages on glasses and contact lenses at no additional cost, ~ and up to $100 off all fashion frames. # Other optical benefits At Specsavers you can choose from a range of fixed-priced frames and lens packages with no out-of-pocket costs. ~ Loyalty Maximums We increase how much you can claim each year by 20% of the initial amount for most extras services on most covers (applies after the first 1 up to a maximum increase of 100%). Set benefits When a Members First benefit does not apply, or when you receive treatment for an extras service from non-members First providers, you will receive a set amount back known as a set benefit. See the Corporate Benefits Guide or call us if you want to know how much you will get back before you visit your extras provider. Annual maximums and service limits There are limits to the amount you can claim back and/or the number of times you can claim on most services. Are all extras services covered? There are instances when extras benefits are not payable including: for different services within the same service type from the same provider on the same day. For example, if you went to see an acupuncturist and then received a massage from the same provider on the same day, you cannot claim for both services when a provider is not recognised by us for benefit purposes when a third party provides a benefit (e.g. when you hold a state ambulance subscription). See the Important Information Guide at bupa.com.au/corporate-info to find out more. *As at 1 January 2013 for dental, optical, physio and chiro providers. ~ Optical benefits are subject to your level of cover, annual maximums and waiting periods. Conditions apply. # Not in conjunction with any other offers. 15

18 Compare your EXTRAS cover Services Corporate advantage corporate classic corporate essentials Extras % back with Members First providers for general dental, physio and chiro At least 90% At least 80% At least 70% General Dental Major Dental Gap free general dental for kids* Orthodontics Optical Gap free optical packages # Physiotherapy Gap free physio for kids* Chiropractic and Osteopathy Antenatal and Postnatal Natural Therapies (see page 20 for the full list) Living Well (see page 22) Pharmacy Dietary Psychology Podiatry Speech Therapy Eye Therapy Occupational Therapy Home Nursing Health Aids and Appliances (see page 20 for examples) Hire, Repair and Maintenance of Health Aids and Appliances Travel and Accommodation Emergency Ambulance ~ Loyalty Maximums = Service is included. = Service is not included. Loyalty Maximums We increase how much you can claim each year by 20% of the initial amount for most extras services on most covers (applies after the first 1 up to a maximum increase of 100%). Waiting periods apply, see pages For most items at our Members First providers covering general dental, physio and chiro services. Includes major dental in VIC and SA only. Excludes orthodontics and hospital treatments. Fund rules, waiting periods and annual maximums apply. *See page 17. # Optical benefits are subject to your level of cover, annual maximums and waiting periods. Conditions apply. ~ Limits apply see pages or see the Important Information Guide at bupa.com.au/corporate-info. 16

19 Extras cover Gap free physio and general dental for kids* We ll cover the cost of your kids physio and general dental until they turn 25. That means no out of pocket expenses for kids dental check ups, teeth cleaning, fillings, x rays and more.* And no out of pocket costs for physio in most instances.* At Bupa, we help take care of your kids' health. *Available on Ultimate Corporate Health Cover, Corporate Advantage and Corporate Classic covers when taken with hospital cover on a family membership, when treatment is provided by a Members First dentist or physiotherapist. Fund rules, waiting periods and annual maximums apply. Child dependants only. Includes Major Dental in VIC and SA only. Excludes orthodontics and hospital treatments. 17

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21 How much can you claim? Corporate Advantage 90% back* Corporate classic 80% back* Corporate Essentials 70% back* Extras cover Services General Dental Major Dental Orthodontics Waiting Periods Annual Maximums Per Person Per Calendar Year Unlimited 1 $1,100 1 $1,200 per person $2,600 Lifetime Limit Annual Maximums Per Person Per Calendar Year Year Year Amount Annual Maximums Per Person Per Calendar Year $400 $480 $560 $640 $720 $800 $400 Combined Amount $0 $500 $600 $700 $800 $900 $1,000 $1,600 Lifetime Limit for orthodontics annual maximum Optical $300 $250 $240 $200 Chiropractic and Osteopathy Physiotherapy Antenatal and postnatal $600 per person $1,200 per membership Year Amount $500 $600 $700 $800 $900 $1,000 $500 per person $1,000 per membership $300 Combined Year Amount $400 $480 $560 $640 $720 $800 annual maximum = Members First. = non-members First. = Service is included. = Service is not included. *For most items at our Members First providers covering general dental, physio and chiro services. Includes major dental in VIC and SA only. Excludes orthodontics and hospital treatments. Fund rules, waiting periods and annual maximums apply. Loyalty Maximums (see page 15) other dollar amounts relate to annual maximums. New members. 19

22 Services Waiting Periods Corporate Advantage Set Benefits Annual Maximums Per Person Per Calendar Year Living Well (see page 22) 6 months $100 Pharmacy^ $450 Natural Therapies Includes: acupuncture, Alexander Technique, Chinese herbalism, exercise physiology, Feldenkrais, homeopathy, iridology, naturopathy, Western herbalism and massage. Massage includes: aromatherapy, Bowen Technique, kinesiology, reflexology, shiatsu, and remedial massage. $400 Psychology $500 per person, $1,000 per membership Dietary Podiatry (excludes orthotics) Speech Therapy Eye Therapy Occupational Therapy $500 Home Nursing $350 Health Aids and Appliances $850 Asthma Pumps Blood Glucose Monitors or INR Blood Testing Devices (Coagucheck) Defined Appliances (includes orthotics)* Hearing Aids Hire, Repair and Maintenance of Health Aids and Appliances Travel and Accommodation Accident Benefit^^ Emergency Ambulance Services ~ = Service is not included. 1 6 months No waiting period No waiting period 90% of the cost to annual maximum. Sub limits and other conditions apply. # $100 Travel $150 Accommodation $2,000 per person, $4,000 per membership 1 service per year (singles) 2 services per year (families) ^Benefits for prescription items that are non-pbs, TGA approved, and not appearing on our exclusions list. A combined annual maximum applies to this service category. *Defined Appliances includes orthotics, orthopaedic and corrective footwear, pressure garments, braces and artificial limbs. Limits apply per item. ^^When an accident requires urgent hospital treatment, can boost annual maximums on extras or pay for your hospital excess. ~ Limits apply see the Important Information Guide at bupa.com.au/corporate-info for more details. # Subject to eligibility. Call us for details. 20

23 Corporate CLASSIC Set Benefits Annual Maximums Per Person Per Calendar Year Corporate Essentials Set Benefits Annual Maximums Per Person Per Calendar Year $100 $100 Extras cover $300 $150 Combined with Physiotherapy annual maximum Combined annual maximum $600 $350 Combined with Natural Therapies annual maximum (sub limits apply) 80% of the cost to annual maximum. Sub limits and other conditions apply. # $100 Travel $150 Accommodation $2,000 per person, $4,000 per membership 1 service per year (singles) 2 services per year (families) 1 service per year (singles) 2 services per year (families) 21

24 BENEFITS WAY BEYOND HEALTH COVER Ever noticed how life s ups and downs can distract you from your health needs? We re here to help make it easy. We ll do our best to support you with health programs, tools and apps. Not to mention world-class health information. It s all part of helping you find a healthier you. Travel, home and car We re more than a health insurance provider. Through our partnership with CGU, we re able to offer you a full range of quality insurance products for travel, home and car insurance. As a Bupa health member, you ll also receive a 10% discount on your home, contents and motor vehicle insurance premiums, as well as 15% discount on travel insurance. Bupa Life Insurance As a Bupa member you'll get a 10% discount on your Life Insurance premium.* To find out more go to bupa.com.au/ insurance, call or drop by your local Bupa centre. By your side wherever you are If the unexpected happens while you re travelling overseas, we re always here to provide phone-based support and advice. Our 24-hour overseas health advice line is exclusive to Bupa members just look for the number on the back of your membership card. Health tools and apps Managing your health can be simple and easy with our range of support tools and apps. You can set a personal running goal, switch to healthier foods and find out your real health age with our running and foodswitch apps and online health assessment. For our user-friendly tools and apps, visit bupa.com.au/toolsandapps Plenty of ways to keep Living Well Our Living Well benefit helps you reach your goals by covering some of the costs for health related programs including gym memberships, yoga, Pilates, nicotine replacement therapy and weight management programs. However, please remember gym memberships, yoga and Pilates require your doctor or recognised provider to complete a Living Well form to confirm the program is medically necessary. Insurance issued by CGU Insurance Limited (CGU) ABN AFSL Any advice is general advice only and does not take into account your individual circumstances. A Product Disclosure Statement is available at bupa.com.au and should be considered before making any decision on these products. Bupa Australia Pty Ltd ABN is an authorised representative of CGU. *Life Insurance products issued by ClearView Life Assurance Limited. Before making a decision about one of these products consider the relevant Product Disclosure Statement available by calling

25 eventcinemas.com.au Member discount partners Keep your mind and body active with some great member discounts including gym memberships, movie vouchers and theme park entry. With a wide range on offer there is something for everyone. Visit bupa.com.au/memberexclusives for full details and how to redeem. Movies Theme Parks and Attractions member exclusives Get up to 25% off movie vouchers when you purchase online. Optical Get a 15% discount when you purchase tickets online for Dreamworld, WhiteWater World and Skypoint Climb. Get 20% off the usual retail price on a range of sunglasses displayed at any BLINK Optical store. Purchase online and get 10% off day admission at Movie World, SeaWorld, and Wet n Wild. Receive up to 20% off the usual retail price on selected frames, lenses and contact lenses, and up to 10% off the usual retail price of sunglasses. Get a 20% discount on the admission price to Sydney SEA LIFE Aquarium, Melbourne Aquarium and Manly SEA LIFE Sanctuary. Get 20% off the usual retail price on a range of sunglasses displayed at any National Pharmacies Optical store. Gyms and Weight Loss Resorts Get 15% off the monthly membership fee at EFM Health Clubs. Receive up to 15% off best available rates at Rydges Hotels and Resorts when you book online. Save 5% on the standard 12 month or flexible month to month membership fee. Vitamins and supplements Receive up to 70% off when you purchase online from Australian NaturalCare. Get a 20% discount on a 12 month membership. Get 30% off any Blackmores product when you purchase online. Get 3 free cookbooks when you join Weight Watchers Online or Unlimited programs. 23

26 Claiming made easy Claim on your hospital Bupa Medical Gap Scheme Here s another example of how we keep things simple. Our Medical Gap Scheme is a direct billing arrangement between Bupa and your doctor/s. In most instances this scheme eliminates your out of pocket expenses for in hospital doctors fees (the gap ). If there happens to be any out of pocket expenses, these will be payable by you. Claim on your extras On the spot Simply swipe your membership card after your treatment at over 40,000 providers around Australia, and we ll automatically process your claim. Then you just need to pay the balance of the bill (if there is one). mybupa You can easily claim online on most extras with mybupa. If you have a smartphone simply download our mybupa app or claim through our mobile friendly website. Payment will then be made directly into your account. Head to bupa.com.au MORE WAYS TO CLAIM By mail Simply print a claim form off our website, fill it in and attach any original accounts or receipts from your health care provider/s. Then mail it to us at: Bupa, Reply Paid 9809, BRISBANE QLD In person You can submit your claims at your local Bupa centre. Most centres are able to process claims on the spot and provide you with benefits, either by cash (limits apply), cheque or bank transfer. Claim queries Remember that claims can only be paid within two years of the date that the service was provided and are subject to standard conditions including waiting periods and annual maximums. Call our friendly Bupa team on , visit bupa.com.au or drop by your local Bupa centre if you have any questions about: the status of your claim how to fill in a claim form what documents you need to attach to your claim form. 24

27 JOINING IS SIMPLE Join US TODAY Only one form to fill in Simply fill in our application form and mail it back to us using our reply paid address, or drop it into your local Bupa centre. Or just call us on or visit bupa.com.au/corporate to join online. Easy ways to pay You can choose to pay via Direct Debit or payroll deduction. If you are choosing payroll deduction, check with your employer first that this option is available to you. Switching to Bupa is simple Enjoy a hassle-free experience when you transfer to us from your existing health insurer. Simply fill in our application form and cancel any direct debit arrangements you have previously made. If you already have a clearance certificate, please send it to us or complete the relevant section on your application form. 30-day cooling off period We're confident you'll be happy with your cover; however, if you decide to cancel, we'll refund any premiums you have paid within the first 30 days of your membership commencing provided you haven't made a claim. Private Health Insurance Code of Conduct The Private Health Insurance Code of Conduct (the Code) was developed by the private health insurance industry and it aims to enhance the standards of practice and service throughout the industry. As a signatory to the Code, we undertake to do a number of things that will benefit you as a member. These include: working to enhance our service standards providing information to you in plain language helping you make better informed decisions about our products letting you know how to resolve any concerns that you may have protecting the privacy of your information in line with the privacy legislation and our Information Handling policy. We re proud to be a signatory to the Code and we are committed to continually reviewing our operations to ensure compliance. A copy of the Code is available online at bupa.com.au/code-of-conduct 25

28 For more information Call us on Visit bupa.com.au/corporate Drop by your local Bupa centre Mailing details: Bupa PO Box MELBOURNE VIC 8001 Bupa Australia Pty Ltd ABN Effective 1 April S The World of Bupa Health Cover Health Coaching & Programs International Health Cover Corporate Health Solutions Aged Care Travel, Home & Car Insurance Life Insurance BLINK Optical 26

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