Ultimate choice. TUH it s my health fund! so why is TUH the best choice for you! Extended dependant cover. Effective 4 April 2012

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1 Effective 4 April 2012 PLEASE ENSURE THAT THIS BROCHURE IS READ CAREFULLY AND RETAINED. Ultimate choice This package is the NUMBER ONE choice for superior health insurance. Ultimate Choice is designed for members wanting hospital and general cover at the fund s highest level available. This exceptional package combines Total Care Hospital cover with an extensive range of general treatments with generous benefits. With selected general treatments, limits will accrue with years of membership a reward for long-term members on this level of cover. For single parents/families on Ultimate Choice cover single dependants are covered until age 21, and full-time student dependants up to age 25. so why is TUH the best choice for you! 1. We are a not-for-profit health fund, which means that a high percentage of the premiums go back to our members in the form of benefits. 2. We offer value for money products and services with exceptional benefits. 3. We have a high member retention rate - our members love us and stay with us. 4. We care about our members by offering a variety of support services. 5. We offer a whole range of member services on our website online claiming, Member Services Online and much more. TUH it s my health fund! Extended dependant cover TUH also offers single parents and families with non-student children the opportunity to purchase extended dependant cover. This will allow young adults, who are single/unmarried, not covered as a student dependant and earning less than $50,000 (taxable income) a year, to be covered on their parents policy until the age of 25. The extended dependant cover is available on Easy Choice for a premium loading of approximately 30%.

2 hospital cover Ultimate Choice Hospital gives you the security of having private hospital cover for hospital related treatment (where medical treatment is eligible for Medicare benefits) in a Contracted Hospital. Ultimate Choice Hospital includes: Private room (when available) or shared overnight accommodation Intensive care Theatre fees Same day accommodation Coronary care Surgically implanted prostheses (industry approved) Drug charges as per the hospital contract (some limits may apply) PBS co-payment where a drug is related to your hospital treatment Medical Gap Cover (for inpatient medical services) No exclusions on conditions eligible for Medicare benefits Your choice of doctor or specialist Non-Contracted Hospitals (reduced benefits will apply) Acute Care Access Gap periods Immediate cover 2 months Accidents All other hospital and general services (unless specified otherwise) Palliative care Psychiatric services Rehabilitation 6 months Active Health Bonus Midwife services (outpatient not covered by Medicare) 12 months Obstetric related conditions Prostheses (non implanted) Pre-existing conditions Mechanical/Health appliances Major dental Cosmetic/Elective surgery (only if medically necessary) Orthodontia Hearing aids Midwife services (inpatient) 2 years Refractive/laser eye surgery General (extras) cover Service Benefit Annual limit periods up to yrs 1 & 2 yrs 3 & 4 yrs 5 & 6 yrs 7+ Active Health Bonus This is a reward available when one adult member actively participates in Health-e-Profile. 6 mths singles single parent/familes $125 per year $250 per year Acupuncture $450 $470 $495 $540 2 mths Initial consultation 1 per year $38 Subsequent consultations $35 Audiology $200 $210 $220 $240 2 mths Initial consultation 1 per year $72 Subsequent consultations $65 Chiropractic $450 $470 $495 $540 2 mths Initial consultation 1 per year $42 Subsequent consultations $32 X-rays 1 per year $63 Dental 1 Must be provided by registered dentists or dental prosthetists in private practice. $3700 overall $3975 overall $4250 overall $4950 overall 2 mths Preventive dental eg. examinations, x-rays, scale/ cleaning General dental 2 Set benefits depend on item number 3 No limits apply No limits apply

3 Service Benefit Annual limit periods up to yrs 1 & 2 yrs 3 & 4 yrs 5 & 6 yrs 7+ Major dental 1 Limits depend on years of membership 12 mths Complete upper and lower dentures $650 $700 $750 $800 Crowns and bridges $750 $825 $900 $1050 Inlays, onlays, facings Dental implants Set benefits depend on item number 3 $500 $500 $550 $550 $600 $600 $700 $850 Endodontia $500 $550 $600 $700 Periodontia $500 $550 $600 $700 Anti snore device (replacement every 3 years from date of previous supply) 4 Orthodontia lifetime limits apply (refer to table on page 6) Up to $1000 per year $300 $300 $300 $300 Not included in above overall limits Dietetics / Nutritionists $450 $470 $495 $540 2 mths Initial consultation (dietetics) 1 per year $50 Subsequent consultations (dietetics) $33 Initial consultation (nutritionist) 1 per year $45 Subsequent consultations (nutritionist) $30 Health and wellness $300 $300 $300 $300 $300 2 mths Hearing aids (replacement every 3 years from date of previous supply) Home nursing and lactation nurse Treatment by a registered nurse when ordered by a medical practitioner for a specific illness. Home nursing Lactation nurse Mechanical / Health appliances Must be ordered by a medical practitioner (the written order must be provided to TUH). $1000 per ear $80 daily $30 daily $2000 $2000 $2000 $ mths $600 $630 $660 $720 2 mths $690 $730 $770 $ mths Blood Glucose / Blood Pressure Monitors / Nebuliser 85% of cost $550 $580 $605 $660 CPAP Machine / humidifier (replacement every 3 years from date of previous supply). 85% of cost CPAP accessories (eg. mask/tubing/chin strap/repairs) 85% of cost $100 $100 $100 $100 Mechanical health appliances 85% of cost $200 $200 $200 $200 Health aids 5 85% of cost $100 $100 $100 $100 Midwife services (outpatient not covered by Medicare) Antenatal consultation must be with a registered midwife in private practice. No benefit on delivery of baby. $60 $600 $600 $600 $600 6 mths Natural therapies Aromatherapy, Bowen Therapy, Homeopathy, Massage therapy, Myotherapy, Naturopathy Per person 6 Per single parent/ family 7 Consultation only $35 $450 $900 $470 $940 $495 $990 $540 $ mths Occupational therapy $450 $470 $495 $540 2 mths Initial consultation 1 per year $55 Subsequent consultations $40 Paediatric assessment 1 per year $71

4 Service Benefit Annual limit periods up to yrs 1 & 2 yrs 3 & 4 yrs 5 & 6 yrs 7+ Optical overall annual limit $260 $270 $290 $310 2 mths Frames only $115 Single vision lenses 8 $135 Bi-focal lenses 8 $140 Tri-focal lenses 8 $125 Graduated/progressive lenses 8 $155 Contact lenses hard/soft toric $170 Contact lenses hard/soft spherical $130 Repairs to frames $70 Disposable contact lenses $65 for 3 mths supply. $260 maximum per Calendar Year. Included in annual optical limit. $800 per eye Refractive/laser eye surgery 2 years (limit $1600) Orthoptics eye therapy $450 $470 $495 $540 2 mths Initial consultation 1 per year $32 Subsequent consultations $25 Orthotics 9 $450 $470 $495 $540 2 mths Orthotics custom made - limit 2 per person per visit 85% of cost Orthotics customised/moulded 85% of cost $360 $360 $360 $360 Orthopaedic shoes custom made 85% of cost Osteopathy $400 $420 $440 $480 2 mths Initial consultation 1 per year $47 Subsequent consultations $40 Pharmaceutical - For prescriptions less the current PBS fee. Benefit excludes medicines or drugs which are: Prescriptions under the PBS Scheme Available without a medical practitioner s prescription Not approved by the Therapeutic Goods Act Prescribed for contraceptive purposes $60 $550 $580 $605 $660 2 mths Physiotherapy $750 $790 $825 $900 2 mths Initial consultation 1 per year $45 Subsequent consultations $37 Hydrotherapy consultations $25 Paediatric assessment 1 per year $63 Exercise physiology (sub limit of $250 within physiotherapy limit) Group Physiotherapy 10 (sub limit of $300 within physiotherapy limit) $32 $25 Physiotherapy antenatal / postnatal $140 $145 $155 $170 2 mths Consultations $17 Podiatry $450 $470 $495 $540 2 mths Initial consultation 1 per year $39 Subsequent consultations $35 Prostheses custom made 1 per year. For non implanted TUH approved prosthetic appliances when ordered by a medical practitioner. 85% of cost $1500 $1575 $1650 $ mths

5 Service Benefit Annual limit periods up to yrs 1 & 2 yrs 3 & 4 yrs 5 & 6 yrs 7+ Psychology/Hypnotherapy 11 $450 $470 $495 $540 2 mths Initial consultation 1 per year $84 Subsequent consultations $74 Psychometric assessment 1 per year $116 Group consultations $42 Remote travel and accommodation 12 $110 $110 $110 $110 2 mths Accommodation: Travel: 150 kilometres directly from the home address Return distance kilometres: Up to $55 per night kilometres $ kilometres $ kilometres $ kilometres $ kilometres $ kilometres $100 > 900 kilometres $110 Speech therapy $450 $470 $495 $540 2 mths Initial consultation 1 per year $65 Subsequent consultations $35 Paediatric assessment 1 per year $100 Group consultations $21 School Accident Cover Covers your dependent child for accidents occurring while attending, or travelling to or from school or an organised school activity. Benefit is limited to single parent and family cover only. $800 overall combined limit per person $1600 overall combined limit capped per single parent/family membership 2 mths Travel 13 - Round trip directly from the home address Up to 299 kilometres $ kilometres $ kilometres $ kilometres $ kilometres $ kilometres $ kilometres $100 > 900 kilometres $110 1 Dental items as defined by the ADA schedule. 2 General dental includes the surgical removal of teeth (including wisdom teeth). Major dental includes all dental services relating to dentures, crowns, bridges, inlays, onlays, facings, dental implants, periodontia, endodontia, anti snore devices and orthodontia. 3 Contact TUH when you have obtained an itemised treatment plan from your dentist for information on actual benefits payable. 4 Letter from your medical practitioner (not a dentist) required. 5 Must be custom made or customised and prescribed and fitted by a qualified health professional (Doctor, Nurse, Physiotherapist or Pharmacist). 6 Combined limit per person. 7 Combined limit capped per family membership. This also applies to a single parent cover. 8 No benefit for additional lens treatments eg. tinting/hardcoating/transitional. 9 When recommended by an approved health professional. 10 Provided by a physiotherapist as part of a treatment plan. $110 sub limit Parking expenses 100% of cost $100 sub limit Physiotherapy 13 85% of cost $70 sub limit Ambulance transport Members living outside of Queensland will receive full cover for medically necessary (emergency) ambulance transportation. Annual limit of 1 transportation for single cover and 2 transportations for single parent/family cover. (No benefits for aerial ambulance) 11 No benefit paid for counsellors. Benefit only paid for registered psychologists. Hypnotherapy benefits only payable when performed by registered psychologist. No benefit is payable for psychometric assessment or group consultations. 12 Benefits are payable towards the cost of travel and/or accommodation for the provision of hospital, medical and general treatments that cannot be obtained within 150 kilometres directly from the home address. Accommodation: A benefit is payable towards accommodation for the person requiring medical treatment or, in the case of hospitalisation, the accompanying person who must also be covered under the membership. Benefit is only payable where a tariff is charged by a registered accommodation facility and legal receipts will be required. Travel: Benefits towards the cost of travel are payable as listed. Under this benefit members travelling 300 kilometres or more return are also able to claim for travel expenses incurred to a maximum of one (1) claim only per family per trip (this includes appointments at the TUH Dental and Eye Care Centres). 13 Benefit is additional to other physiotheraphy benefit entitlements.

6 Ultimate Choice orthodontic benefit table Years of membership Total Benefit Periods Total overall orthodontic benefit payable Member transferring from another fund with full continuity of orthodontic cover and no previous orthodontic claims. Amount claimable per Calendar Year based on membership year in which treatment begins. $1000 $1980 $1980 $2160 $2160 $2520 $ mths $1000 $980 nil $1980 nil $1000 $980 $1980 $1000 $980 $180 $2160 $1000 $1000 $160 $2160 $1000 $1000 $520 $2520 $1000 $1000 $520 $2520 These figures are based on a maximum of 3 years continuous orthodontic treatment where benefits have not been claimed for previous orthodontic treatment during the patient s lifetime. The maximum claimable in any one year is $1000. The maximum lifetime benefit is $2520. Conditions and limits Limits are per person per Calendar Year (1 January to 31 December) unless otherwise stated. Replacement and other assessment rules can apply to some services. Benefits are paid for treatment by registered practitioners or recognised Natural Therapists / Nutritionists approved by TUH. An individual within the family cover can claim up to the per person limit, provided the family as a whole has not exceeded its applicable family membership limit. This also applies to a single parent cover. Members must submit an orthodontic treatment plan from their orthodontist at the commencement of treatment. TUH will advise the benefits available in writing, taking into account length of membership and previous orthodontic benefits paid by TUH or any previous fund. Members benefits and extra services Strive for Health programs TUH s new suite of health management programs that we offer you at no extra cost. These programs offer you a seamless service when transitioning from one health management program to another to support you in achieving wellness. Health assessment An online health assessment to evaluate your health risk from the comfort of your home. SupportLine A professional and confidential counselling service, only a phone call away. Home Care Programs The TUH Home Care Programs provide tailored treatment options to avoid hospitalisation or to assist in a speedy recovery. Disease Management TUH offers coaching to help you manage your health condition(s). These programs are individually tailored to meet every member s unique health needs and are delivered by expert telephone or home/telephone support. TUH Website With great features including online claiming on general (extras) treatments, cover calculator, health articles and much more. Health Care Centre All members have the option of using the TUH Health Care Centre in Fortitude Valley. The centre offers quality services provided by highly skilled professionals committed to offering support, advice and personalised treatment for all patients. Services include dental, eye care, physiotherapy, remedial massage therapy, podiatry, acupuncture and dietetics. Preferred Dental Providers TUH has set up a preferred provider network of dentists in various locations across Queensland to improve access to health care services to all our members. Go to our website to see where these dental providers are located. For more information, conditions and rules on the above benefits and services offered by TUH visit our website or call our Customer Contact Centre on

7 Premiums Please note that due to the means testing of the Government Rebate these premiums might change from 1 July 2012 for more information visit Ultimate Choice premiums with 30% Federal Government Rebate deducted Fortnightly Monthly Quarterly Half Yearly Yearly Single , , , , Single Parent , , , , Family , , , , , , Extended dependant cover Single parent , , , , , Family , , , , , , The premiums shown are applicable for members who have a certified age of entry (CAE) of 30 or less, or for anyone born on or before 1 July 1934.

8 options By paying by direct debit you save up to 2.5%. s can be made fortnightly*, monthly, quarterly, half yearly and yearly directly from your bank/financial institution or credit card account. We accept Visa and Mastercard. Please note: credit card payments incur a surcharge of 1%, thereby reducing the discount. P ayment by account Accounts are sent out monthly, quarterly, half yearly or yearly. options include: - BPAY - Member Services Online (credit card only) - In person (at our Health Care Centre) - By telephone - By mail *Not available for credit card deductions. For more information on all our products, government initiatives as well as TUH membership rules visit our website website: phone: enquiries@tuh.com.au 438 St Pauls Terrace Fortitude Valley Queensland 4006 PO Box 265 Fortitude Valley Queensland 4006 Jody Henry Swimmer and triple Olympic Gold Medallist TUH - It s my health fund

9 Ultimate Choice Premiums (effective 1 July 2012) The premiums are applicable for members who have a certified age of entry (CAE) of 30 or less, or for anyone born on or before 1 July A signed Rebate application form must be submitted to receive a reduced premium. This is included with your new member pack. By paying by direct debit you save up to 2.5%. s can be made fortnightly*, monthly, quarterly, half yearly and yearly directly from your bank/financial institution or credit card account. We accept Visa and Mastercard. Please note: credit card payments incur a surcharge of 1%. payments include accounts. *Not available for credit card deductions. Ultimate Choice with 30% Australian Government Rebate on Private Health Insurance deducted Fortnightly Monthly Quarterly Half yearly Yearly Single , , , , Single parent , , , , Family , , , , , , Extended Dependant cover Single parent , , , , , Family , , , , , , Ultimate Choice with 20% Australian Government Rebate on Private Health Insurance deducted Fortnightly Monthly Quarterly Half yearly Yearly Single Single parent Family Extended Dependant cover Single parent Family Ultimate Choice with 10% Australian Government Rebate on Private Health Insurance deducted Fortnightly Monthly Quarterly Half yearly Yearly Single Single parent Family Extended Dependant cover Single parent Family Ultimate Choice without Australian Government Rebate on Private Health Insurance deducted Fortnightly Monthly Quarterly Half yearly Yearly Single , , , , Single parent , , , , , , Family , , , , , , Extended Dependant cover Single parent , , , , , , Family , , , , , ,780.50