Medibank Corporate Health Cover. Presenter Date: 27/03/2012

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1 Medibank Corporate Health Cover Presenter Date: 27/03/2012

2 New Medibank corporate health cover. It works for you. Why choose Medibank corporate health cover? You will have greater control over your health needs with: - More Certainty know what you re covered for and have more certainty about how much you get back on extras - Simplicity products that are easy to understand, so you know exactly what you re covered for - Flexibility you can mix and match hospital and extras covers to suit your needs. - Greater value - through access to our Members Choice network, which is one of Australia s largest networks of hospital and health providers. - Better health support - hospital covers now include Mi Health. Giving members access to Medibank nurses to answer any health question 24/7, personal advice and support when a member goes to a participating Members Choice hospital*. Members can also access a reliable, online health resource to make healthier decisions. * At selected Members Choice hospitals

3 Great value corporate health cover Depending on your needs and priorities, You can choose any level of cover ranging from basic to comprehensive. Choose a hospital cover Corporate Young Hospital # Cover for 5 basic services plus treatment for injuries sustained in an accident. Corporate Basic Hospital^ Cover for most services, including common investigative procedures like colonoscopies and endoscopies. Corporate Mid Hospital Cover for all services under Corporate Basic Hospital plus obstetrics-related and assisted reproductive services. Corporate Top Hospital Comprehensive hospital cover including things like hip and knee joint replacement, major eye surgery and more. Choose an extras cover Corporate Basic Extras Affordable extras cover for everyday health services like general dental, optical and physio. Corporate Top Extras Comprehensive extras cover including major dental, podiatry, orthodontics, physioand more. Or choose our best hospital and extras cover Corporate Ultra Health Cover Simply our best hospital and extras cover, with no excess, Ultrabonus to help reduce out-of-pocket costs in hospital and 100% back at Members Choice extras providers up to applicable limits for eligible services. # Corporate Young Hospital is only available as singles/couples membership. ^ Must be taken with a Corporate Basic Extras or Top Extras. Note: For more information, refer to our Corporate health cover brochure.

4 Benefits for You 8.3% discount compared to our equivalent retail covers Certainty around what you re getting back on extras (at a Members Choice provider) A simple range of hospital and extras covers Flexibility to mix and match hospital and extras cover to suit life stage and lifestyle needs Ambulance services included^ No hospital excess for kids Access to health and lifestyle support with hospital cover through Mi Health ^ Except if they re entitled to cover under third party arrangements (e.g. state ambulance schemes etc).

5 Tax benefits for you If you take up any of our corporate hospital covers or Corporate Ultra Health cover, you can: Avoid paying the 1% Medicare Levy Surcharge Avoid or minimise any Federal Government Lifetime Health Cover loading Take advantage of the Federal Government 30% Rebate on private health insurance, which reduces premiums and makes health insurance more affordable.

6 What will you get as a Medibank member? Ambulance cover included under all hospital and extras covers No hospital excess for kids Access to health and lifestyle support with hospital cover through Mi Health 100% back on optical items (up to annual limit) with extras cover Access to discounts on travel, pet and life insurance Ability to manage your membership online, through Online Member Services NB. Waiting periods may apply, including 12 months for pre-existing ailments.

7 Extra value with Members Choice Our Members Choice network is one of the largest health provider networks in Australia, covering most private hospitals and the widest range of extras services of any health fund, including: - Dental - Physio - Chiro - Naturopathy - Acupuncture - Remedial Massage - Podiatry Members Choice Optical Network Our optical network is the largest in Australia, with great deals at more than 900 retail outlets across the country including:

8 is changing health insurance forever We re more than just health insurance, we provide health support too. Mi Health is a range of health services that provide credible information, expert care and support when our members need it most. Now included as part of all our hospital covers* Mi Health helps members stay on top of their health with access to: - 24/7 Health Advice Line - Hospital Support - Health Hub - Smartphone Health Apps. Mi Health launched on 3 October as a pilot in WA and Qld and in ACT on 4 December. The intention is to roll it out nationally later in May Health Hub and Smartphone Health Apps are available to all members across Australia. * Mi Health is currently available for QLD, WA and ACT Members with hospital cover. Not available with OSHC, Visitors Health Insurance and Working Visa Health Insurance covers.

9 24/7 Health Advice Line Medibank nurses are there to assist members and their families 24/7 with any health question. Our nurses can help with any health issue from: - an attack of food poisoning - to a question about a pregnancy, - child s health - an enquiry about medication - or a diagnosed health condition. If a member rings us with a health problem that the nurse believes should be seen by a doctor promptly we ll offer to ring their regular GP and help them make an appointment. Our nurses can help find services like medical centres, dentists, mental health services, child health services, pharmacies and more. Members can access the 24/7 Health Advice Line by calling 1800 Mi Health ( ).

10 Hospital Support Hospital Support helps smooth the way so our members can focus on getting better sooner#. Before hospital Hospital Support will grow to include, for most members, a call from one of our customer service team to answer any questions about their cover^. During hospital Our Hospital Liaison Representatives will help members get the most out of their cover during the hospital stay. They ll answer questions about entitlements as a private patient, medical benefits covered, claiming procedures, out-of-pocket expenses and more. And, if a member is in hospital to have a baby, they ll help with any questions about providing cover for their new baby, adding them to their membership or reviewing the membership to make sure it s still right for their needs. After hospital Hospital Support will grow to include a call from a Medibank nurse for most members after returning home to help with accessing resources & assist with managing the recovery process^. #Hospital Support is available for overnight stays in participating Members Choice Hospitals. Hospital Support is not available in all areas. ^Before and after hospital calls are an evolving service, so may not be available in their area initially.

11 Advice & support with online Health Hub Reliable health advice and support all in one place. Overseen and maintained by Doctors. It includes: Wellness Record, an easy assessment to give members a health age, personalised goals & program recommendations. Health Conditions Explained are informative videos about medical procedures or a medical conditions which can help members make informed health care choices. Health Action Programs are coaching and health support programs to help members manage their health online, ranging from weight loss, managing stress to diabetes, mental health. Risk Assessment Tools can calculate a member s health age, risk factors and set personalised health goals. Meal Planner can generate a 7-day personalised meal plan to meet member s goals and dietary requirements. Extensive library of articles, exercises, recipes and more. Available to all members across Australia and can be accessed through Online Member Services (OMS)

12 Health Apps help members make healthier decisions. Symptom Checker App Symptom Checker is easy to use, it can help members identify symptoms and decide what to do about them. It provides information about: Caring for minor injuries and illnesses Treatment options or when to seek help Stores emergency numbers to call. Energy Balancer App Energy Balancer will help members balance their diet with the energy their body uses. They can see how long they need to spend doing different activities to balance a wide range of foods and drinks. For example, did you know if you weigh around 60 kgs, one banana = 15 minutes of walking or 5 minutes of running Available to all members and non members across Australia to download for free Online claims now available You can submit claims 24/7. update details, view claim history and etc

13 A healthy employee is a happy employee Medibank s corporate health covers have been designed to make everyone healthy and happy, starting with an 8.3% discount compared to our equivalent retail covers. By taking up Medibank corporate health cover, you can : Positively impact on the health and well-being of you and your family Increase productivity and profitability Provide significant value-added benefits to you Reduce absenteeism Have a say in choosing your own doctor or specialist Avoid public waiting lists for elective procedures in a private hospital Have a gap certainty if any

14 Working Visa Health Insurance We have a range of specially designed health cover options that will suit overseas sponsored workers circumstances and lifestyle needs. All Medibank Working Visa Health Insurance covers meet the Australian Government s 457 working visa requirements for health insurance, so you can feel confident that we will look after your needs. Our Working Visa Covers provide: Choice with Working Visa Hospital, Working Visa Hospital & Medical, and Top 85 Working Visa Health Insurance product options 24 hour emergency advice and assistance Extras cover for services such as dental, physiotherapy and optical items No hospital excess for children Continuity of cover with Medibank if you become eligible for full Medicare entitlements Access to our Members Choice network.

15 Corporate preferential treatment Medibank Private is committed to providing an exceptionally high level of service to all our members All our corporate members will have access to: - Our corporate hotline on Online management of your membership including claiming for extras online - On-site information sessions/one on Ones appointment - Access to Medibank Corporate info via your company intranet site - Face-to-face service at Medibank stores across Australia.

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