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 The Australian Government Rebate on private health insurance 4 Why Bupa? 6 We ve made choosing simple 11 Hospital Cover 13 Extras Cover 23 Ultimate Corporate Health Cover 35 Member exclusives 40 Join us today 42 Important information 44 1

4 WHY PRIVATE HEALTH INSURANCE? 1.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. 2

5 2.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 simply take out and maintain hospital cover by 30 June following your 31st birthday. For couples, any loadings are shared across both adults on the membership. MONEY BACK IN YOUR POCKET The Australian Government Rebate on private health insurance makes private health cover more affordable for most customers. The rebate is income tested and reduced on a tiered basis (see full details on page 4). It is available to all Australians who are eligible for Medicare and applies to all 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 as a lump sum at tax time. 0 % LOADING ADAM FIRST JOINED AT AGE % LOADING JENNY FIRST JOINED AT AGE 40 GET MORE FOR YOUR MONEY Did you know the Government s Medicare Levy Surcharge kicks in if you don t have private hospital cover but earn over $84,000 (for singles) or $168,000 (for couples)?* This means you may have to pay extra tax more than the cost of some of our hospital covers. You should ask your tax adviser for more information or visit ato.gov.au $84K $168K *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 3

6 THE AUSTRALIAN GOVERNMENT REBATE ON PRIVATE HEALTH INSURANCE The Australian Government Rebate on private health insurance is income tested and the Medicare Levy Surcharge (MLS) increased for high income earners. When you join Bupa we will make it easy for you to choose the option that best suits your needs, including nominating a rebate tier. See the table below for details on the rebate you are entitled to based on your income, along with the corresponding MLS. WHAT AM I ENTITLED TO AND HOW MUCH MLS WILL I HAVE TO PAY? Australian Government Rebate and Medicare Levy Surcharge income thresholds 2012/2013 Singles Income Up to $84,000 $84,001 $97,000* $97,001 $130,000* More than $130,000* Rebate Tiers Base Tier Tier 1 Tier 2 Tier 3 PHI Rebate up to 65 years 30% 20% 10% 0% years 35% 25% 15% 0% 70 years and over 40% 30% 20% 0% Medicare Levy Surcharge 0% 1% 1.25% 1.50% Couples/Families Income Up to $168,000 $168,001 $194,000* $194,001 $260,000* More than $260,000* Rebate Tiers Base Tier Tier 1 Tier 2 Tier 3 PHI Rebate up to 65 years 30% 20% 10% 0% years 35% 25% 15% 0% 70 years and over 40% 30% 20% 0% Medicare Levy Surcharge 0% 1% 1.25% 1.50% Indicates changes for higher income earners that take effect from 1 July *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 4

7 REBATE CLAIMING OPTIONS There are three ways that you can claim the Australian Government Rebate on private health insurance: upfront as a premium reduction directly from Medicare it can be taken into account when you lodge your next tax return. If you are concerned about a tax liability you can nominate a rebate tier to apply to your policy using the relevant section in the application form. If you nominate to receive a rebate but don't specify a tier we will proceed with nominating you under the base tier (i.e. 30% if under 65, 35% if and 40% if 70 and over). If at any time after joining your circumstances change and you need to update your rebate tier, there are a number of ways to do this. Contact us for more details. Natalie is 28 years old and earns $68k per year as an accountant. Natalie will receive a 30% rebate and won't pay the Medicare Levy Surcharge. Tristan and Geniveve together earn $217k per year. Their rebate will be 10% and their Medicare Levy Surcharge will be 1.25% if they don't maintain/hold an appropriate level of private hospital cover. 5

8 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 6

9 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 over 100 retail centres. Or just jump online or use your smart phone to access mybupa. 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 between % of the cost back for selected services depending on your level of your extras cover. 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 across Australia. Plus, if you need to be admitted, in most cases you will be covered for all in-hospital charges.* By your side wherever you are If the unexpected happens during your stay or while you re travelling overseas, we re always here to provide phone-based support and guidance. Our 24-hour advice line is exclusive to Bupa and provides you with helpful information, including: basic advice on simple medical problems provided by doctors and nurses contact details and location of the nearest medical facilities medical translation services, including reviewing bills and help booking medical appointments passing telephone messages on to your family. And if you re planning a trip overseas, you can get pre-departure medical information on the countries you are visiting. We ll advise you on the health risks of that country and give you tips on how to stay healthy while you re travelling. Just look for the number on the back of your membership card. *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. 7

10 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 40 for other member exclusives. 8

11 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 on most extras change payment details make one off payments order a membership card find a provider contact us. 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. You can now do all this from your mobile by visiting bupa.com.au on your smartphone or by downloading the Bupa mobile app from the itunes Store* or Google Play.^ 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. ^Android and Google Play are trademarks of Google Inc. 9

12 BENEFITS AVAILABLE ON CORPORATE HEALTH COVER Higher benefits Corporate health cover offers higher benefits on extras when compared to both Bupa s similar product offered to retail customers and those of our main competitors. Gap free physio and 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 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. 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 between % of the cost back for selected services depending on your level of your extras cover. Excess waiver Available on Corporate Hospital Top, Corporate Hospital Intermediate and Corporate Hospital Saver Level 2, which 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. 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 and require urgent hospital treatment, the accident benefit provides up to $2,000 per person, $4,000 per policy which can be used to pay for: a) 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. 10

13 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 23. 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

14 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. 12

15 HOSPITAL COVER 1. CHOOSE YOUR HOSPITAL COVER 13

16 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 21. BASIC CORPORATE HOSPITAL SAVER This option covers you for most services while restricting 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 restricted. CORPORATE HOSPITAL INTERMEDIATE This level of hospital cover gives you cover for services including pregnancy, which is restricted on Corporate Hospital Saver. You also get a choice of excess options to help lower the cost of your cover. See page 17. See page 16. LEVEL 1 NIL EXCESS LEVEL 2 $ 250 EXCESS LEVEL 3 $ 500 EXCESS LEVEL 1 NIL EXCESS LEVEL 2 $ 250 EXCESS LEVEL 3 $ 500 EXCESS 14

17 + + 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 18. COMPREHENSIVE LEVEL 1 NIL EXCESS LEVEL 2 $ 250 EXCESS LEVEL 3 $ 500 EXCESS 15

18 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 services that pay minimum benefits listed below. Examples of what you are covered for include: hospital accommodation overnight and same-day theatre and intensive care fees surgically implanted prostheses up to the approved benefits in the Government s Prostheses List schedule fees charged by a doctor, surgeon, anaesthetist or other specialist for your inpatient medical treatment, plus additional coverage if your doctor uses the Bupa Medical Gap Scheme pathology and radiology diagnostic tests performed in hospital by Bupa contracted providers. Waiting periods apply see page 20. WHAT S NOT FULLY COVERED? The following services only receive public hospital shared room benefits (minimum benefits): hip and knee joint replacement (including arthroplasty, revision and resurfacing procedures) cataract and eye lens procedures pregnancy related services (including childbirth) and assisted reproductive services psychiatric services. 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 20 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 20 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, VIC and WA. ~Limits apply. 16 LEVEL 1 NIL EXCESS LEVEL 2 $ 250 EXCESS LEVEL 3 $ 500 EXCESS

19 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 services that pay minimum benefits listed below. Examples of what you are covered for include: hospital accommodation overnight and same-day theatre and intensive care fees surgically implanted prostheses up to the approved benefits in the Government s Prostheses List schedule fees charged by a doctor, surgeon, anaesthetist or other specialist for your inpatient medical treatment, plus additional coverage if your doctor uses the Bupa Medical Gap Scheme pathology and radiology diagnostic tests performed in hospital by Bupa contracted providers. Waiting periods apply see page 20. WHAT S NOT FULLY COVERED? The following services only receive public hospital shared room benefits (minimum benefits): hip and knee joint replacement (including arthroplasty, revision and resurfacing procedures) cataract and eye lens procedures. 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 20 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 LEVEL 2 $ 250 EXCESS Excess Waiver Feature for adults on Corporate Intermediate Level 2 (see page 20 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*^ 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, VIC and WA. ~Limits apply. 17

20 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 up to the approved benefits in the Government s Prostheses List schedule fees charged by a doctor, surgeon, anaesthetist or other specialist for your inpatient medical treatment, plus additional coverage if your doctor uses the Bupa Medical Gap Scheme pathology and radiology diagnostic tests performed in hospital by Bupa contracted providers. Waiting periods apply see page 20. EXCLUSIONS (services not covered) No exclusions specific to this cover. 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 20 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 Excess Waiver Feature for adults on Corporate Top Level 2 (see page 20 for details) our Bupa Members First and Network hospital agreements which help to eliminate or reduce your out-of-pocket expenses* LEVEL 1 NIL EXCESS LEVEL 2 $ 250 EXCESS 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 ~ 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. 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, VIC and WA. ~Limits apply. 18

21 HOSPITAL COVER 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 ˆAvailable to members who have hospital or packaged cover. 19

22 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. The following are not covered by us at all (nil hospital, prosthesis or medical benefits): 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 receives minimum benefits (if a prosthesis is surgically implanted during a procedure, the cost of this will be covered). 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 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 43 for more information. You should also see the Important Information section at the back of this brochure for more details. 20

23 CORPORATE HOSPITAL SAVER CORPORATE HOSPITAL INTERMEDIATE CORPORATE HOSPITAL TOP Services See page 16 See page 17 See page 18 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 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) Excesses Excess Options* Nil, $250, $500 Nil, $250, $500 Nil, $250, $500 No Excess for Kids Excess Waiver* HOSPITAL COVER See the Important Information section for more details about Minimum Benefits. 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 Saver Level 2 cover only. 21

24 FREEDOM TO CHOOSE YOUR PROVIDER Depending on your extras cover, at Members First providers you will receive between % 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. 22

25 EXTRAS COVER 2. CHOOSE YOUR EXTRAS COVER 23

26 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 26. 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

27 + + 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 29. COMPREHENSIVE 25

28 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 PERIODS General Dental $350 2 months Major Dental Combined with general dental 12 months Optical $200 No Gap optical packages see p30 2 months Physiotherapy, Chiropractic, Osteopathy and Natural Therapies $150 Combined 2 months Living Well (see p40) $100 6 months Pharmacy (see p32) $150 2 months Emergency Ambulance~ 1 service per calendar year (singles) 2 services per calendar year (families) None 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 between % of the cost back for selected services depending on your level of your extras cover. See pages 31 33, 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. 26

29 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. 27

30 EXTRAS COVER CORPORATE CLASSIC Cover for a wide range of services with high benefits and annual maximums. AT LEAST 80% BACK AT MEMBERS FIRST PROVIDERS SERVICES ANNUAL MAXIMUMS WAITING Per Person Per Calendar Year PERIODS General Dental Year 1 $400 Year 6+ $800 No Gap for kids see p30 2 months Major Dental Year 1 $400 Year 6+ $ months Orthodontics $1,600 Lifetime Limit 12 months Optical $225 No Gap optical packages see p30 2 months Chiropractic and Osteopathy $500 per person $1,000 per membership 2 months Physiotherapy Year 1 $350 Year 6 $700 2 months Antenatal and Postnatal No Gap physio for kids see p30 2 months Living Well (see p40) $100 6 months Pharmacy (see p32) $300 2 months Natural Therapies (see p32 for a full list) Dietary Psychology Podiatry (excludes orthotics) $600 2 months Speech Therapy Eye Therapy Occupational Therapy Health Aids and Appliances Combined with Natural Therapies and other (see p32 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 31 33, the Important Information section and the Corporate Benefits Guide to find out more about your extras cover. 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%). For most items at our Members First providers covering dental, physio and chiro services. Includes major dental in VIC and SA only. ~Limits apply. 28 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 between % of the cost back for selected services depending on your level of your extras cover.

31 CORPORATE ADVANTAGE Cover for a wide range of services with higher benefits and annual maximums. SERVICES AT LEAST 90% BACK AT MEMBERS FIRST PROVIDERS ANNUAL MAXIMUMS Per Person Per Calendar Year WAITING PERIODS General Dental Unlimited No Gap for kids see p30 2 months Major Dental $ months Orthodontics $1,200 per person $2,400 Lifetime Limit 12 months Optical $250 No Gap optical packages see p30 2 months Chiropractic and Osteopathy $600 per person $1,200 per membership 2 months Physiotherapy Year 1 $400 Year 6 $800 2 months Antenatal and Postnatal No Gap physio for kids see p30 2 months Natural Therapies (see p30 for a full list) $400 2 months Living Well (see p40) $100 6 months Pharmacy (see p32) $450 2 months Psychology $500 per person $1,000 per membership 2 months Dietary Podiatry (excludes orthotics) Speech Therapy $500 2 months Eye Therapy Occupational Therapy Home Nursing $350 2 months Health Aids and Appliances (see p32 for a full list) $ months Hire, Repair and Maintenance of Health Aids and Appliances $100 sub-limit within Health Aids and Appliances annual maximum 6 months Accident Benefit $2,000 per person $4,000 per membership None 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 See pages 31 33, the Important Information section and the Corporate Benefits Guide to find out more about your extras cover. 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%). For most items at our Members First providers covering dental, physio and chiro services. Includes major dental in VIC and SA only. ~Limits apply. 29 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 between % of the cost back for selected services depending on your level of your extras cover.

32 Save with our 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 will have the certainty of knowing how much you ll get back in most instances 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: 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. 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). Gap free physio and 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, your kids health is taken care of. *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. See pages and the Important Information section at the back of this brochure to find out more. EXTRAS COVER 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 providers. # 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. Conditions apply. #Not in conjunction with any other offers. 30

33 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 Orthodontics Waiting Periods 2 months 12 months Annual Maximums Per Person Per Calendar Year $350 Combined annual maximum 12 months Annual Maximums Per Person Per Calendar Year Year Year Amount $400 $480 $560 $640 $720 $800 Amount $0 $400 $480 $560 $640 $720 $800 $1,600 Lifetime Limit for orthodontics Annual Maximums Per Person Per Calendar Year Unlimited $800 $1,200 per person $2,400 Lifetime Limit Optical 2 months $200 $225 $250 Chiropractic and Osteopathy 2 months $500 per person $1,000 per membership $600 per person $1,200 per membership Physiotherapy Antenatal and postnatal 2 months $150 Combined annual maximum Year Amount $350 $420 $490 $560 $630 $700 Year Amount $400 $480 $560 $640 $720 $800 *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. Loyalty Maximums (see page 29) other dollar amounts relate to annual maximums. New members. 31

34 CORPORATE ESSENTIALS Set Benefits Services Waiting Periods Annual Maximums Per Person Per Calendar Year Living Well (see p40) 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. Psychology Dietary Podiatry (excludes orthotics) Speech Therapy Eye Therapy 2 months 2 months 2 months 2 months 2 months 2 months Combined with Physiotherapy annual maximum Occupational Therapy 2 months Home Nursing 2 months Health Aids and Appliances + Sub-Limits Asthma Pumps Blood Glucose Monitors or INR Blood Testing Devices (Coagucheck) Defined Appliances (includes orthotics)^ 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 2 months Accident Benefit ~ No waiting period Emergency Ambulance Services ~ No waiting period 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. 32

35 CORPORATE CLASSIC CORPORATE ADVANTAGE Set Benefits Set Benefits Annual Maximums Annual Maximums Per Person Per Calendar Year Per Person Per Calendar Year $100 $100 EXTRAS COVER $300 $450 $400 Combined annual maximum $600 $500 per person, $1,000 per membership $500 $350 $350 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 year 1 claim per year up to $500 $500 per year $500 per year $100 per year $100 per 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 year $175 per year $175 per year $175 per 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 year (singles) 2 services per year (families) 1 service per year (singles) 2 services per 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. 33

36 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. 34

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

38 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 up to the approved benefits in the Government s Prostheses List schedule fees charged by a doctor, surgeon, anaesthetist or other specialist for your inpatient medical treatment, plus additional coverage if your doctor uses the Bupa Medical Gap Scheme pathology and radiology diagnostic tests performed in hospital by Bupa contracted providers. Waiting periods apply. EXCLUSIONS (services not covered) No exclusions specific to this cover. 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 20 for details. You should also see the Important Information section at the back of this brochure for more details. 36

39 EXTRAS SERVICES UP TO 100% BACK AT MEMBERS FIRST PROVIDERS ANNUAL MAXIMUMS Per Person Per Calendar Year WAITING PERIODS General Dental Unlimited (No Gap for kids see p39) 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 (No Gap optical packages see p39) 2 months Physiotherapy Year 1 $750 Year 6+ $1,500 (No Gap for kids see p39) 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 p40) $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 (excludes orthotics) 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 year (singles) None 2 services per year (families) = Members First = non-members First ULTIMATE CORPORATE HEALTH COVER See pages 20 and 36, 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 38). ^^Benefits for prescription items that are non-pbs, TGA approved, and not appearing on our exclusions list. ~Limits apply. 37

40 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.~ 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 37 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. 38

41 BENEFITS AVAILABLE ON 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 physio and 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, your kids health is taken care of. 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 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. 39