CORPORATE HEALTH COVER BRINGING YOU CORPORATE BENEFITS

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1 CORPORATE HEALTH COVER BRINGING YOU CORPORATE BENEFITS A

2 B

3 WELCOME TO BUPA We all want to live longer, healthier, happier lives. Bupa has a range of health covers designed to help find a healthier you. It s about more than just what you can claim. Throughout these pages, you ll discover we re committed to supporting you for the long term, no matter where life takes you. It s all about creating a healthier Australia, and it starts right here. The information in this brochure and the guides in the back pocket are important and should be read carefully and kept in a safe place. CONTENTS Why private health insurance? 2 Why Bupa? 4 We ve made choosing simple 9 Hospital Cover 11 9 Extras Cover 21 X Ultimate Corporate Health Cover 33 X Member exclusives 38 X Join us today 40 X Important information 44 1

4 WHY PRIVATE HEALTH INSURANCE? 1.IT CAN SAVE YOU MONEY IT PAYS TO JOIN EARLIER IN LIFE You could pay more for hospital cover depending on what age you first take it out. After age 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 years straight. To avoid paying any loading you need to have had hospital cover from 30 June following your 31st birthday. You can minimise your loading by taking it out as close to this age as possible. For couples, any loadings are shared across both adults on the membership. 0 % LOADING +20 % LOADING 30% BACK IN YOUR POCKET The Federal Government 30% Rebate on private health insurance makes it more affordable for you. It s available to all Australians who have full Medicare rights and applies to all covers in this brochure. It s quick and easy to claim too you can choose to get it as a reduced premium or as a lump sum at tax time. ADAM FIRST JOINED AT AGE 30 JENNY FIRST JOINED AT AGE 40 GET MORE FOR YOUR MONEY Did you know the Government s 1% Medicare Levy Surcharge kicks in if you don t have private hospital cover but earn over $80,000 (for singles) or $160,000 (for couples)?* This means you ll have to pay an extra 1% tax more than the cost of some of our hospital covers. You should ask your tax adviser for more information or visit the Australian Taxation Office at ato.gov.au * Thresholds are effective 1 July 2011 and are indexed annually. $80K $160K 2

5 2.FOR PEACE OF MIND CHOICE IS A WONDERFUL THING Private health insurance covers most private hospital costs. This means you can generally choose your own doctor and where you are treated without worrying about treatment costs. And, if you choose to be treated in a private hospital, you don t have to worry about public hospital waiting lists. You can also enjoy cover for a wide range of extras services including: dental, optical, physio, chiro and massage, which are not fully covered by Medicare. THINKING ABOUT STARTING A FAMILY? If so, taking out or upgrading your private health insurance can ensure you re covered for important services like pregnancy and childbirth. Then you can rest easy and focus on enjoying life knowing that your health insurance needs are covered. REST EASY KNOWING YOU RE COVERED There are a number of good financial and practical reasons for getting private health insurance. But when it comes down to it, the peace of mind it gives you and your loved ones is just as important. It s a good idea to review your private health insurance from time to time to ensure you still have the most relevant level of cover for you. 3

6 WHY BUPA? WE WANT YOU TO LIVE A LONGER, HEALTHIER, HAPPIER LIFE Bupa is a healthcare leader proudly looking after the needs of more than three million Australians. We have been around for over 60 years and we re part of a global group whose care and expertise now stretches across 190 countries. It is our purpose that makes us different. We exist to help our members live longer, healthier, happier lives. Which is why our global family reinvests its profits to provide better services for members and to ensure quality healthcare remains affordable. We are dedicated to helping find a healthier you. To find out more: Call us on Visit bupa.com.au/corporate Drop by your local Bupa centre 4

7 WE PUT OUR MEMBERS AT THE HEART OF EVERYTHING WE DO We know the health system We know the health system can be confusing. That s why our friendly team are here to help you make sense of it. They can answer important questions like: what you re currently covered for, what to ask your doctor before treatment and how much you ll get back. For your convenience We give you choice so you can manage your cover whenever, wherever. You can contact us by phone or talk to someone face to face at one of 100 retail centres. Or just jump online or use your smart phone to access mybupa. Australia s largest provider network^ We pay benefits at all recognised providers around the country, giving you great coverage and peace of mind. You can also enjoy the advantages of Australia s largest provider network choose from over 10,000 Members First providers for dental, optical, physio and chiro services where you get a certainty of any out-of-pocket expenses. Keeping healthcare affordable We know that when you re sick you need to focus on the most important issue your health and recovery. With us you are fully covered as a private patient in most Members First and Network hospitals, and all public hospitals across Australia. Plus, if you need to be admitted, in most cases you will be covered for all in-hospital medical charges.* 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 and provides you with support and information including: basic advice on simple medical problems provided by doctors and nurses the name, location and contact details for the nearest medical facilities passing telephone messages on to your family assistance with reviewing medical bills medical translation services and help booking medical appointments. Just look for the number on the back of your membership card. ^As at 1 October 2011 for dental, optical, physio and chiro providers. *A small number of Members First and Network hospitals may have a service where a fixed fee applies. An excess may apply depending on your level of cover. 5

8 WHY BUPA? FIND A HEALTHIER YOU At Bupa, we know that everyone wants to be healthy, but sometimes life gets in the way. That s why we support you with health programs, tools and apps, and world-class health information to help you take your first step towards a healthier you. Programs and support We have developed a range of programs and guides to support members with chronic conditions like asthma, depression or diabetes. Members can also benefit from other resources like our specialised parent and baby wellbeing program. World-class health information Visit our website to stay in the know on health topics that are important to you. The information is designed by health professionals and ranges from conditions and treatments through to exercise and diet tips. We also recommend other reputable websites because our knowledge is your knowledge. See page 38 for other member exclusives. 6

9 GETTING TO A HEALTHIER YOU mybupa mybupa is a new and improved way to manage your health cover online. It really is your very own little piece of Bupa. Here are just a few things you can now do whenever it suits you: make a claim contact us change payment details make one off payments order a membership card find a provider. And because we re always looking for ways to make your life easier, you ll soon be able to view your remaining annual maximums as well as get an estimate of your extras benefits. Visit bupa.com.au and log into mybupa. It s very easy and will only take a few minutes. You will find new things there all the time. Keep an eye out for mybupa mobile apps for iphones, Android and other smart phones as well as our new mobile site. Online Health Assessment To really take charge of your health, you need to know just how healthy you are in the first place. Our new Online Health Assessment is very easy to use, and will help you take your first step towards a healthier you. What you ll find out Your real health age lifestyle risk scores recommended changes you can make to help improve your health age Bupa programs that may be helpful to you. Take your Online Health Assessment at bupa.com.au/oha We are regularly developing more new tools and apps so keep checking bupa.com.au/apps and our social media sites for updates: Twitter.com/BupaAustralia Facebook.com/BupaAustralia Youtube.com/BupaAustralia Apple, ipad, iphone, ipod touch, and itunes are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. 7

10 WE LL HELP YOU FIND THE PERFECT FIT Corporate health cover gives you peace of mind and more choice when it comes to your health care. We offer a wide range of affordable covers to suit your individual needs. And, you get more value with our special corporate rates and benefits. 8

11 WE VE MADE CHOOSING SIMPLE We know private health insurance can be confusing so we re here to help you find what you re looking for. To tailor your own cover simply choose any of our hospital covers then add one of our extras covers. Alternatively, you can select our Ultimate Corporate packaged cover which combines hospital and extras already. You can even choose to have a hospital or extras cover on its own. The following pages will help you to understand your options so you can choose what s right for you. 1. CHOOSE YOUR HOSPITAL COVER This helps pay for treatment in hospital and generally gives you the peace of mind of choosing your doctor as well as when and where you are treated. See page CHOOSE YOUR EXTRAS COVER Extras covers you for services that Medicare often doesn t cover such as: dental, optical, physio, chiro, massage and much more. See page 21. OR 3. ULTIMATE CORPORATE HEALTH COVER Ultimate Corporate Health Cover gives you our very best level of hospital cover combined with our top extras cover in one premium package. See page 33. 9

12 NO EXCESS FOR KIDS There is no excess payable for dependant children on your membership.* *No excess offer applies to Corporate Hospital Top and Corporate Hospital Intermediate cover. See the Important Information section at the back of this brochure for more details. 10

13 HOSPITAL COVER 1. CHOOSE YOUR HOSPITAL COVER 11

14 HOSPITAL COVER HOW MUCH COVER DO YOU NEED? We want to help you choose the most relevant level of cover for you. So we have laid out our hospital covers for you to explore and make the best decision. To see our detailed comparison table, including services covered, go to page 19. BASIC CORPORATE HOSPITAL SAVER This option covers you for most services while leaving out some treatments that you re unlikely to need for now. Together with excess options, this helps keep your premium down. Note that pregnancy related services (including childbirth) are not covered. CORPORATE HOSPITAL INTERMEDIATE This level of hospital cover gives you cover for services like cardiac and pregnancy, which are not included in Corporate Hospital Saver. You also get a choice of excess options to help lower the cost of your cover. See page 15. See page 14. NIL EXCESS $ 250 EXCESS $ 500 EXCESS NIL EXCESS $ 250 EXCESS $ 500 EXCESS 12

15 + + HOSPITAL COVER ALL COVERS SUITABLE FOR SINGLES, COUPLES AND FAMILIES CORPORATE HOSPITAL TOP If you want the true peace of mind that comes with our top hospital cover, this may be a good option for you. There are no exclusions and you get a choice of excesses to help lower the cost of your premium. See page 16. COMPREHENSIVE NIL EXCESS $ 250 EXCESS $ 500 EXCESS 13

16 HOSPITAL COVER CORPORATE HOSPITAL SAVER An ideal option if you re young and active this basic cover gives you a safety net for many hospital treatments while keeping it very affordable. WHAT S COVERED? You re covered for all hospital treatments recognised by Medicare, except the excluded services listed opposite. Examples of what you are covered for include: hospital accommodation overnight and same-day theatre and intensive care fees surgically implanted prostheses the fees charged by a doctor, surgeon, anaesthetist or other specialist for your inpatient medical treatment most diagnostic tests you receive in hospital (e.g. pathology, radiology). Waiting periods apply see page 18. EXCLUSIONS (services not covered) Hip/knee joint replacement (including arthroplasty, revision and resurfacing procedures) cataract and eye lens procedures cardiac and cardiac related services (e.g. open heart and bypass surgery) pregnancy related services (including childbirth) and assisted reproductive services. RESTRICTED BENEFITS (public hospital benefits only) Psychiatric and rehabilitation services receive shared-room public hospital benefits, also known as restricted or default benefits. Please note: there are some services that are not fully covered or not covered at all by any of our hospital covers, such as cosmetic surgery that is not clinically required. See page 18 for details. Look after your health and get more value with: a choice of excesses to lower the cost of your cover Excess Waiver Feature for adults on Corporate Saver Level 2 (see page 18 for details) LEVEL 1 NIL EXCESS LEVEL 2 $ 250 EXCESS 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*^ LEVEL 3 $ 500 EXCESS limited emergency and on-the-spot ambulance services included in your cover. ~ See pages and the Important Information section at the back of this brochure to find out more about your hospital cover. *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 and VIC. ~Limits apply see the Important Information section for more details. 14

17 CORPORATE HOSPITAL INTERMEDIATE HOSPITAL COVER This medium-level option gives you coverage for pregnancy and childbirth, as well as cardiac related services. WHAT S COVERED? You re covered for all hospital treatments recognised by Medicare, except the restricted services listed opposite. Examples of what you are covered for include: hospital accommodation overnight and same-day theatre and intensive care fees surgically implanted prostheses the fees charged by a doctor, surgeon, anaesthetist or other specialist for your inpatient medical treatment most diagnostic tests you receive in hospital (e.g. pathology, radiology). RESTRICTED BENEFITS (public hospital benefits only) Hip/knee joint replacement (including arthroplasty, revision and resurfacing procedures) cataract and eye lens procedures. These services receive shared-room public hospital benefits, also known as restricted or default benefits. Please note: there are some services that are not fully covered or not covered at all by any of our hospital covers, such as cosmetic surgery that is not clinically required. See page 18 for details. Waiting periods apply see page 18. Look after your health and get more value with: a choice of excesses to lower the cost of your cover no excess if your child is admitted to hospital LEVEL 1 NIL EXCESS LEVEL 2 $ 250 EXCESS LEVEL 3 $ 500 EXCESS Excess Waiver Feature for adults on Corporate Intermediate Level 2 (see p18 for details) 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*^ limited emergency and on-the-spot ambulance services included in your cover. ~ See pages and the Important Information section at the back of this brochure to find out more about your hospital cover. *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 and VIC. ~Limits apply see the Important Information section for more details. 15

18 HOSPITAL COVER CORPORATE HOSPITAL TOP Our highest level of corporate hospital cover with no exclusions and a range of additional benefits. WHAT S COVERED? You re covered for all hospital treatments recognised by Medicare. Examples of what you are covered for include: hospital accommodation overnight and same-day theatre and intensive care fees surgically implanted prostheses the fees charged by a doctor, surgeon, anaesthetist or other specialist for your inpatient medical treatment most diagnostic tests you receive in hospital (e.g. pathology, radiology). Waiting periods apply see page 18. EXCLUSIONS (services not covered) No exclusions specific to this cover. Please note: there are some services that are not fully covered or not covered at all by any of our hospital covers, such as cosmetic surgery that is not clinically required. See page 18 for details. Look after your health and get more value with: a choice of excesses to lower the cost of your cover no excess if your child is admitted to hospital LEVEL 1 NIL EXCESS Excess Waiver Feature for adults on Corporate Top Level 2 (see p18 for details) LEVEL 2 $ 250 EXCESS our Bupa 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*^ limited emergency and on-the-spot ambulance services included in your cover ~ Special Benefits provisions for a family member to stay with you in hospital baby books (available for expectant parents) health subscription refunds (e.g. Asthma Foundation membership fees) not available on Corporate Hospital Top Level Three. LEVEL 3 $ 500 EXCESS See pages and the Important Information section at the back of this brochure to find out more about your hospital cover. *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 and VIC. ~Limits apply see the Important Information section for more details. 16

19 PARENT AND BABY WELLBEING PROGRAM Members with newborn babies, who may be feeling overwhelmed or struggling to cope, can access confidential support and advice through this specialised program.ˆ HOSPITAL COVER ˆAvailable to members who have hospital or packaged cover. 17

20 HOSPITAL COVER HOSPITAL COVER What s Covered Hospital cover helps pay for treatments that are recognised by Medicare when you are admitted to hospital. When a treatment is included in your hospital cover we will help pay for things like: 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. For example, restricted benefits are payable for surgical podiatry procedures and follow-up cosmetic surgery (which is recognised by Medicare). Cosmetic surgery that is not clinically required is not covered by us at all. And no benefits are payable for doctors fees, from Medicare or from us, for medical services which are not recognised by Medicare (such as surgical podiatry procedures). Full details are set out in the Important Information section. 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) 12 months 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 a set amount you agree to pay upfront before your benefit is paid for overnight or same-day admissions at any hospital. The excess is paid when you are admitted into hospital, and is capped at $500 for singles and $1,000 for single parents and families per calendar year. The Excess Waiver Feature, available on Corporate Hospital Top, Corporate Hospital Intermediate and Corporate Hospital and Saver Level 2, means singles and single parents won t have to pay the first excess per calendar year and families won t have to pay the first two excesses per calendar year. There is also no excess payable if your child is admitted to hospital on Corporate Hospital Top and Corporate Hospital Intermediate. 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 42 for more information. You should also see the Important Information section at the back of this brochure for more details. 18

21 CORPORATE HOSPITAL SAVER CORPORATE HOSPITAL INTERMEDIATE CORPORATE HOSPITAL TOP Services See page 14 See page 15 See page 16 For Inpatient Services included on cover: Accommodation for Overnight and Same-day Stays Operating Theatre, Intensive Care, Ward Fees Bupa Medical Gap Scheme available Surgically Implanted Prothesis Inpatient Services included on cover: Accidents After Joining Knee Arthroscopy and Meniscectomy Procedures Appendicitis Removal of Tonsils and Adenoids Dental Surgery Minor Gynaecological Surgery Psychiatric Restricted Rehabilitation Restricted 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 Restricted Hip/Knee Replacement (including arthroplasty, revisions and Restricted resurfacing procedures) All Other Joint Replacement (including arthroplasty, revisions and resurfacing procedures) 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) Excesses Excess Options* Nil, $250, $500 Nil, $250, $500 Nil, $250, $500 No Excess for Kids Excess Waiver* HOSPITAL COVER Indicates the service is not included. ^Limits apply see the Important Information section for details. ^^Health Subscription Refunds applies to Corporate Hospital Top, Levels 1 and 2 only (i.e. nil and $250 excess). *Excess Waiver Feature applies to the $250 excess level on Corporate Hospital Top, Corporate Hospital Intermediate and Corporate Hospital Level 2 cover only. 19

22 FREEDOM TO CHOOSE YOUR PROVIDER Depending on your extras cover, at Members First providers you will receive between 70 90% of the cost back for selected services. If you choose to visit a provider outside of our network, you will still receive the same dollar benefit amount back as at our Members First providers. 20

23 EXTRAS COVER 2. CHOOSE YOUR EXTRAS COVER 21

24 EXTRAS COVER HOW MUCH COVER DO YOU NEED? We want to help you choose the most relevant level of cover for you. So we have laid out our extras covers side by side to help you to compare. To see our detailed comparison table, including services covered and annual maximums for each level of cover, go to pages BASIC CORPORATE ESSENTIALS Enjoy access to a wide range of services with at least 70% back at Members First providers. Plus, you ll receive the same dollar benefit amount at all other providers. See page 24. CORPORATE CLASSIC If you want generous benefits and a high level of cover, this option may suit you. It gives you access to a wide range of services that Medicare doesn t cover with at least 80% back at Members First providers. And you ll receive the same dollar benefit amount at all other providers. See page

25 + + EXTRAS COVER ALL COVERS SUITABLE FOR SINGLES, COUPLES AND FAMILIES CORPORATE ADVANTAGE Get peace of mind 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. And the same dollar benefit amount at all other providers. See page 27. COMPREHENSIVE 23

26 EXTRAS COVER CORPORATE ESSENTIALS A basic level of extras cover with good benefits and coverage for the services that may be relevant to your needs. SERVICES AT LEAST 70% BACK AT MEMBERS FIRST PROVIDERS ANNUAL MAXIMUMS Per Person Per Calendar Year WAITING PERIOD General Dental $350 2 months Major Dental Combined with general dental 12 months Optical $200 (No Gap optical packages see p28 for details) 2 months Physiotherapy, Chiropractic, Osteopathy and Natural Therapies $150 Combined 2 months Living Well (see p38) $100 6 months Pharmacy (see p30) $150 2 months Emergency Ambulance~ 1 service per calendar year (singles) 2 services per calendar year (families) None Freedom to choose your provider Depending on your extras cover, at Members First providers you will receive between 70 90% of the cost back for selected services. If you choose to visit a provider outside of our network, you will still receive the same dollar benefit amount back as at our Members First providers. See pages 29 31, the Important Information section and the Corporate Benefits Guide in the back of this brochure to find out more about your extras cover. For most items at our Members First providers covering dental, physio and chiro services. Includes major dental in VIC and SA only. ~Limits apply see the Important Information section for more details. 24

27 EXTRAS COVER GET A PAIR ON US Find out how you can get a pair of spectacles or a supply of contact lenses completely covered by us. Conditions apply. Please refer to the Corporate Benefits Guide for more details. 25

28 EXTRAS COVER CORPORATE CLASSIC Cover for a wide range of services with high benefits and annual maximums. Loyalty maximums AT LEAST 80% BACK AT MEMBERS FIRST PROVIDERS SERVICES ANNUAL MAXIMUMS Per Person Per Calendar Year WAITING PERIOD General Dental Year 1 $400 Year 6+ $800 2 months Major Dental Year 1 $400 Year 6+ $ months Orthodontics $1,600 Lifetime Limit 12 months Optical $225 (No Gap optical packages see p28 for details) 2 months Physiotherapy Year 1 $200 Year 6+ $400 2 months Chiropractic and Osteopathy $500 per person $1,000 per membership 2 months Antenatal and Postnatal $350 2 months Living Well (see p38) $100 6 months Pharmacy (see p30) Year 1 $150 Year 6+ $300 2 months Natural Therapies (see p30 for a full list) Dietary Psychology Podiatry Year 1 $300 Year 6+ $600 2 months Speech Therapy Eye Therapy Occupational Therapy Health Aids and Appliances Combined with Natural Therapies and other (see p30 for the full list) services annual maximum (sub-limits apply) 12 months Hire, Repair and Maintenance $100 sub-limit within Natural Therapies of Health Aids and Appliances and other services annual maximum 6 months Home Nursing $350 2 months Accident Benefit $2,000 per person $4,000 per membership None Travel and Accommodation $100 Travel $150 Accommodation 2 months Emergency Ambulance~ 1 service per calendar year (singles) 2 services per calendar year (families) None See pages 29 31, the Important Information section and the Corporate Benefits Guide to find out more about your extras cover. We increase how much you can claim each year by 20% of the initial amount for most extras services (applies after the first 12 months up to a maximum increase of 100%). For most items at our Members First providers covering dental, physio and chiro services. Includes major dental in VIC and SA only. ~Limits apply see the Important Information section for more details. 26 Freedom to choose your provider Depending on your extras cover, at Members First providers you will receive between 70 90% of the cost back for selected services. If you choose to visit a provider outside of our network, you will still receive the same dollar benefit amount back as at our Members First providers.

29 CORPORATE ADVANTAGE Cover for a wide range of services with higher benefits and annual maximums. SERVICES See pages 29 31, the Important Information section and the Corporate Benefits Guide to find out more about your extras cover. Loyalty maximums AT LEAST 90% BACK AT MEMBERS FIRST PROVIDERS ANNUAL MAXIMUMS Per Person Per Calendar Year We increase how much you can claim each year by 20% of the initial amount for most extras services (applies after the first 12 months up to a maximum increase of 100%). For most items at our Members First providers covering dental, physio and chiro services. Includes major dental in VIC and SA only. ~Limits apply see the Important Information section for more details. 27 WAITING PERIOD General Dental Unlimited 2 months Major Dental $ months Orthodontics $1,200 per person $2,400 Lifetime Limit 12 months Optical $250 (No Gap optical packages see p28 for details) 2 months Physiotherapy Year 1 $300 Year 6+ $600 2 months Chiropractic and Osteopathy $600 per person $1,200 per membership 2 months Antenatal and Postnatal $400 2 months Natural Therapies (see p30 for a full list) Year 1 $175 Year 6+ $350 2 months Living Well (see p38) $100 6 months Pharmacy (see p30) Year 1 $300 Year 6+ $600 2 months Psychology $500 per person $1,000 per membership 2 months Dietary Podiatry Speech Therapy Eye Therapy Occupational Therapy Combined annual maximum Year 1 $300 Year 6+ $600 2 months Home Nursing $350 2 months Health Aids and Appliances (see p30 for a full list) $ months Hire, Repair and Maintenance $100 sub-limit within Health Aids and Appliances of Health Aids and Appliances annual maximum 6 months Travel and Accommodation Travel $100 Accommodation $150 2 months Emergency Ambulance~ 1 service per calendar year for singles 2 services per calendar year for families None Freedom to choose your provider Depending on your extras cover, at Members First providers you will receive between 70 90% of the cost back for selected services. If you choose to visit a provider outside of our network, you will still receive the same dollar benefit amount back as at our Members First providers.

30 Save with our Members First network Our extensive Members First provider network offers nation-wide access to dental, optical, physiotherapy and chiropractic services. If you have extras cover with us, you will have the certainty of knowing how much you ll get back when you visit these providers. Visit our website to find a Members First provider near you. Also, keep an eye out for the following logo at your providers: 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). EXTRAS COVER Set benefits If you visit a non-members First provider you will receive a set amount back known as a set benefit. This benefit amount is the same as what you would receive at a Members First provider. For a services where we do not have a Members First Network, you will receive a set benefit as well. See the Corporate Benefits Guide in the back of this brochure 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. See the table on pages for more details. Gap Free Dental for Kids On Corporate Advantage and Corporate Classic, we cover the cost of your kids general dental until they turn 25. This means you ll benefit from no out-of-pocket costs on dental services like check-ups, teeth cleaning, fillings, x-rays and more.* *When taken out with hospital cover on a family membership. When treatment is provided by a Members First dentist. Includes major dental in VIC and SA only. Excludes orthodontics and hospital treatments. Dental Fund rules, waiting periods and annual maximums apply. Child dependants only. See pages and the Important Information section at the back of this brochure to find out more. MEMBERS FIRST OPTICAL Our Members First optical providers include BLINK Optical, Kevin Paisley Fashion Eyewear, National Pharmacies Optical, Prevue Eyewear, Stacey and Stacey Optometrists and selected independent retailers. 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 if you visit one of these provider. # OTHER OPTICAL BENEFITS At Specsavers you can choose from a range of fixed-priced frames and lens packages with no out of pocket costs. Optical benefits are subject to your level of cover, annual maximums and waiting periods. #Not in conjunction with any other offers. 28

31 EXTRAS COVER HOW MUCH CAN YOU CLAIM UP TO? CORPORATE ESSENTIALS CORPORATE CLASSIC CORPORATE ADVANTAGE 70% back 80% back 90% back Services General Dental Major Dental Waiting Periods 2 months 12 months Annual Maximums* Per Person $350 Combined annual maximum Annual Maximums* Per Person Year Year Amount $400 $480 $560 $640 $720 $800 Amount $400 $480 $560 $640 $720 $800 Annual Maximums* Per Person Unlimited $800 Orthodontics 12 months $1,600 Lifetime Limit for orthodontics $1,200 per person $2,400 Lifetime Limit Optical Physiotherapy 2 months $200 $225 $250 Year Amount Year Amount 2 months $150 Combined annual maximum $200 $240 $280 $320 $360 $ $300 $360 $420 $480 $540 $600 Chiropractic and Osteopathy Antenatal and postnatal 2 months $500 per person $1,000 per membership $600 per person $1,200 per membership 2 months $350 $400 For most items at our Members First providers covering dental, physio and chiro services. Includes major dental and orthodontics in VIC and SA only. Annual maximums and waiting periods apply. add before loyalty maximums: *Per calendar year Loyalty Maximums (see page 26) other dollar amounts relate to annual maximums. 29

32 CORPORATE ESSENTIALS Set Benefits Services Waiting Periods Annual Maximums* Per Person Living Well (see p38) 6 months $100 Pharmacy^^ 2 months $150 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. 2 months Combined with Physiotherapy annual maximum Psychology 2 months Dietary 2 months Podiatry 2 months Speech Therapy Eye Therapy 2 months Occupational Therapy Home Nursing 2 months Health Aids and Appliances+ Sub-Limits Asthma Pumps Blood Glucose Monitors or INR Blood Testing Devices (Coagucheck) Defined Appliances^ Surgical Stockings CPAP Devices # Hearing Aids TENS Machine Blood Pressure Monitors Hire, Repair and Maintenance of Health Aids and Appliances 12 months Travel and Accommodation No waiting period Accident Benefit ~ No waiting period Emergency Ambulance Services ~ No waiting period 1 service per calendar year (singles) 2 service per calendar year (families) *Per calendar year ^^Benefits for prescription items that are non-pbs, TGA approved for the use of that condition and not appearing on our exclusions list. + A combined annual maximum applies to this service category. ^Defined Appliances includes insoles, orthopaedic and corrective footwear, pressure garments, braces and artificial limbs. Limits apply per item. 30

33 CORPORATE CLASSIC CORPORATE ADVANTAGE Set Benefits Set Benefits Annual Maximums* Annual Maximums* Per Person Per Person $100 $100 Year Amount Year Amount EXTRAS COVER Year $150 $180 $210 $240 $270 $300 Amount $300 $360 $420 $480 $540 $ Year $300 $360 $420 $480 $540 $600 Amount $175 $210 $245 $280 $315 $350 $500 per person, $1,000 per membership Year Amount $350 $350 $300 $360 $420 $480 $540 $600 Combined with Natural Therapies annual maximum (sub-limits apply) $850 1 claim every 3 years 1 claim every 3 years up to $300 1 claim per calendar year 1 claim per calendar year up to $500 $500 per calender year $500 per calendar year $100 per calendar year $100 per calendar year 1 claim every 2 years 1 claim every 2 years up to $750 1 claim every 3 years 1 claim every 3 years up to $850 $175 per calendar year $175 per calendar year $175 per calendar year $175 per calendar year $100 per calendar year combined annual maximum with Natural Therapies $100 Travel $150 Accommodation $100 per calendar year combined annual maximum with Health Aids and Appliances $100 Travel $150 Accommodation $2000 per person $4000 per membership $2000 per person $4000 per membership 1 service per calendar year (singles) 2 service per calendar year (families) 1 service per calendar year (singles) 2 service per calendar year (families) #Subject to eligibility. Call us for details. ~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 section for more details. 31

34 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. 32

35 ULTIMATE CORPORATE HEALTH COVER 3. CHOOSE ULTIMATE CORPORATE HEALTH COVER 33

36 ULTIMATE CORPORATE HEALTH COVER 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 combined with our top extras cover. With a range of additional benefits, some unique to this cover, you can relax knowing that this premium package gives you genuine peace of mind. HOSPITAL WHAT S COVERED? You're covered for all hospital treatments recognised by Medicare. Examples of what we pay benefits for include: hospital accommodation overnight and same-day theatre and intensive care fees surgically implanted prostheses the fees charged by a doctor, surgeon, anaesthetist or other specialist for your inpatient medical treatment most diagnostic tests you receive in hospital (e.g. pathology, radiology). Waiting periods apply. EXCLUSIONS (services not covered) No exclusions specific to this cover. Please note: there are some services that are not fully covered or not covered at all by any of our hospital covers, such as cosmetic surgery that is not clinically required. See page 18 for details. 34

37 EXTRAS SERVICES UP TO 100% BACK AT MEMBERS FIRST PROVIDERS ANNUAL MAXIMUMS Per Person Per Calendar Year WAITING PERIODS General Dental Unlimited 2 months Major Dental Year 1 $800 Year 6+ $1, months Orthodontics $1,400 per person $3,200 Lifetime Limit 12 months Optical $420 or $300 2 months Physiotherapy Year 1 $750 Year 6+ $1,500 2 months Chiropractic and Osteopathy Year 1 $500 Year 6+ $1,000 (per person) Year 1 $800 $1,600 (per family) 2 months Antenatal and Postnatal $500 2 months 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. Year 1 $500 Year 6+ $1,000 Includes sub-limits for massage: $250 per person, $500 per membership 2 months Living Well (see p38) $100 6 months Pharmacy^^ Year 1 $750 Year 6+ $1,500 2 months Dietary Year 1 $500 Year 6+ $1,000 2 months Psychology Year 1 $500 Year 6+ $1,000 2 months Podiatry Year 1 $500 Year 6+ $1,000 2 months Speech Therapy Year 1 $500 Year 6+ $1,000 2 months Eye Therapy Year 1 $500 Year 6+ $1,000 2 months Occupational Therapy Year 1 $500 Year 6+ $1,000 2 months Home Nursing $400 2 months Health Aids and Appliances $1, months Hire Repair and Maintenance of Health Aids and Appliances $100 combined limit with Health Aids and Appliances 6 months Travel and Accommodation $200 Travel, $300 Accommodation 2 months Emergency Ambulance Services~ 1 service per calendar year (singles) None 2 services per calendar year (families) ULTIMATE CORPORATE HEALTH COVER = Members First = non-members First See pages 18 and 34, the Important Information section and the Corporate Benefits Guide in the back of this brochure to find out more about your hospital and extras cover. For most items at our Members First providers covering dental, physio and chiro services. Includes major dental in VIC and SA only. Loyalty Maximums (see page 36). ^^Benefits for prescription items that are non-pbs, TGA approved for the use of that condition and not appearing on our exclusions list. ~Limits apply see the Important Information section for details. 35

38 ULTIMATE CORPORATE HEALTH COVER FOR ULTIMATE PEACE OF MIND AND VALUE Receive 100% back for: 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 your hospital costs (in most instances) at our Members First, Network and public hospitals your hospital expenses and doctors' fees at our Members First day facilities*^ a subscription with your state ambulance provider (where available), and limited emergency and on-the-spot ambulance services included in your cover.~ Also 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) a bowel cancer screening kit benefit baby books plus a parent and baby wellbeing program (available for expectant parents). Loyalty Maximums We increase how much you can claim each year by 20% of the initial amount for most extras services (applies after the first 12 months up to a maximum increase of 100%). See page 35 for more details. See the Important Information section and the Corporate Benefits Guide in the back of this brochure for more information. *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 and VIC. ~Limits apply to ambulance cover included in your cover. See the Important Information section. 36

39 BENEFITS EXCLUSIVE TO ULTIMATE 100% cover for laser eye surgery 100% cover for most laser eye corrective surgery when performed by a Bupa approved provider. A three year waiting period applies and excludes lens implant. 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. ULTIMATE CORPORATE HEALTH COVER 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.* 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. Gap Free Dental for Kids We cover the cost of your kids general dental until they turn 25. This means you ll benefit from no out-of-pocket costs on dental services like check-ups, teeth cleaning, fillings, x-rays and more. ## Members First Optical 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.##when taken out on a family membership. When treatment is provided by a Members First dentist. Includes major dental in VIC and SA only. Excludes orthodontics and hospital treatments. Fund rules, waiting periods and annual maximums apply. Child dependants only. Optical benefits are subject to your level of cover, annual maximums and waiting periods. 37

40 MEMBER EXCLUSIVES MORE VALUE FOR MEMBERS We believe good health includes both physical and mental wellbeing. So if you need time-out, you re keen on fitness and sports or you re interested in travel you can enjoy activities without it costing an arm and a leg. Choose what suits your needs from our range of additional benefits and selected discount partners. Shine magazine Twice a year, we send out Shine a free health and wellness magazine packed full of topical articles from travel, nutrition and exercise to profiles and giveaways. Simply login to mybupa online and select your mailing preference. Living Well Living Well provides practical support to help you reach your goals by covering some of the costs for health-related programs. These include: first aid courses, nicotine replacement therapy, weight management programs, gym membership fees, Pilates and yoga courses. Eligibility criteria and conditions apply, so please contact us to find out more. 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 insurance products from travel insurance, home and contents insurance, to motor vehicle and caravan insurance. What s more, just for being a Bupa member, you ll also get a 10% discount on your home and contents insurance or motor vehicle insurance premiums, plus a 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. Insurance is issued by CGU Insurance Limited (CGU) ABN AFSL This is general advice only and does not take into account your individual circumstances. Product Disclosure Statements are available at bupa.com.au and should be considered before making any decision on these products. Bupa Australia Pty Ltd ABN and Bupa Australia Health Pty Ltd ABN (together Bupa) are authorised representatives 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

41 MEMBER DISCOUNT PARTNERS For details on how to receive these offers, full terms and conditions and a complete list of all our member discount partners, please visit bupa.com.au/memberexclusives Get up to 20% off most services at Australia s largest optical retail group. MEMBER EXCLUSIVES Get up to 25% discount on movie tickets when purchased online. eventcinemas.com.au Get a 15% discount when you purchase tickets online for Dreamworld, WhiteWater World and Skypoint. Get up to 25% discount on movie tickets when purchased online. Get a 15% discount on selected fares when you book online and fly with British Airways. Get 25% off two full priced games and shoe hire at any AMF Bowling Centre. Get a 10% discount at Warner Village Theme Parks on day admission for adults, children and pensioner passes. Delight your senses with 25% off all full priced online purchases. Get 20% off the usual retail price on a range of sunglasses displayed at any BLINK Optical store. Choose between one of the following four offers available at Goodlife: 10% discount on a 12-month membership, a free seven-day trial, a free health assessment and personal training session, or a three-month membership for $199. Get 20% off the usual retail price on a range of sunglasses displayed at any National Pharmacies Optical store. Receive $30 off any RedBalloon experience when you spend $129 or more. 39

42 JOIN US TODAY JOINING IS SIMPLE 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 fund. 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. 40

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