Platinum Healthcare Plan Benefit comparison of Bronze, Silver, Gold & Platinum healthcare plans

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1 Platinum Healthcare Plan Benefit comparison of Bronze, Silver, Gold & Platinum healthcare plans Benefit description Maximum benefit Area of Cover ) Within stated benefit limits - 6 week wait rule applies UK (overseas emergency cover only) Within stated benefit limits UK (overseas emergency cover only) Within stated benefit limits UK (overseas emergency cover only) over Gold 1,000,000 Worldwide including USA & Canada Chronic conditions Up to 1,000 per for consultations and diagnostics Chronic Conditions Covered within benefit limits (no set limit on eligible treatment) Inpatient treatment Inpatient/day case psychiatric Outpatient psychiatric Therapist and complementary medicine practitioners however 6 week wait rule applies Benefit is limited on specialist referral only. within recognised facility Full refund to a max of 28 days 1,000 per scheme for specialists. per within recognised facility Full refund to a max of 28 days 1,000 per scheme for specialists. per within recognised facility Full refund to a max of 28 days No set limit cover is dependant on treatment received

2 Cancer cover - Radiotherapy and Chemotherapy Cancer cover complementary medicine therapies NHS cash benefit for radiotherapy and chemotherapy Inpatient cash benefit ) over Gold Benefit is limited on specialist referral only. therapies 12 months per condition for specialists. per therapies 12 months per condition for specialists. per therapies 12 months per condition 150 per night up to a max of 35 nights per 150 per night up to a max of 35 nights per 150 per night up to a max of 35 nights per (please authorise to ensure drug is eligible) 50 per day up to a max of 100 days per 50 per night up to a max of 100 nights per Home Nursing 180 consecutive days per Private ambulance Rehabilitation treatment (immediately after acute medical treatment) Treatment at home subject to terms of policy subject to terms of policy subject to terms of policy Facility charges not paid if accommodation primarily used for convalescence, rehabilitation, supervision or any purpose other than eligible treatment Discretionary benefit; paid in full if agreed

3 Private GP and prescribed prescriptions Cost for treatment by a family doctor in the home Healthcare Trust) (RBS over Gold 50 per home visit Prescribed physical aid and devices Up to 2,000 per scheme Emergency treatment outside area of cover Full refund for up to 90 days per Full refund for up to 90 days per Full refund for up to 90 days per N/A Worldwide cover Repatriation and evacuation & accompanying partner or relative Evacuation only covered if medically necessary. Repatriation covered only if it is to the nearest hospital. No cover for accompanying relatives Evacuation only covered if medically necessary. Repatriation covered only if it is to the nearest hospital. No cover for accompanying relatives Evacuation only covered if medically necessary. Repatriation covered only if it is to the nearest hospital. No cover for accompanying relatives Repatriation of mortal remains Up to 7,500 Burial expenses (overseas) Up to 7,500

4 Palliative care and long term care Hospice donation 70 per day Healthcare Trust) (RBS Hospice donation 70 per day Hospice donation 70 per day Organ Transplant Stem cell and bone marrow treatment Parent accommodation For a child up to and including age 11 For a child up to and including age 11 Covered for cancer conditions For a child up to and including age 11 Donation to the hospice concerned on direct application. 200 per night put to a maximum of 1,000. UK paid in Full Outside UK - 100,000 Covered for cancer conditions For child up to age 13 over Gold Routine maternity cover (4) (please see below) Up to 10,000 (20% co - payment) Complications of pregnancy when pregnancy is as result of normal or artificial insemination) Complications of pregnancy when pregnancy is as result of assisted conception Paid in full (20% co-payment up to 2,000) Maximum limit of 30,000 per policy. (20% co-payment up to 2,000)

5 Waiting period for routine maternity cover ) Healthcare Trust) (RBS Dental cover Accident-related dental treatment Surgical procedures on teeth performed in a hospital - Paid in Full Surgical procedures on teeth performed in a hospital - Paid in Full Surgical procedures on teeth performed in a hospital - Paid in Full Dietician Podiatry Sports massage Excess N/A A 10 month waiting period applies to new members requiring this benefit A 24 month waiting period applies to returning members (4) 750 per person per policy - 50 Excess applies Paid in full - 2 consultations per Paid in full - 2 consultations per Paid in full on GP/ Physiotherapist referral in writing for employees only 50 for Dental Claims and Co-payment on Maternity/Childbirth benefit over Gold

6 Healthcare plan rates 2015/ 16 Benefit description Self Self and spouse/partner Self and children Self and family (spouse/partner and children) Bronze Plan Silver Plan Gold Plan Aviva (3) Bupa UK (2) , , , , , , , , , , (1) Please note the Platinum Plan has a 24 month lock in period. (2) Please note all treatment covered by the Bupa Platinum Plan must be pre-authorised to ensure the treatment is eligible under the rules of the benefit. The plan will only cover treatment that is medically necessary and charges that are usual and customary. Unless otherwise stated, the benefit limits are per person per contract. (3) Please refer to the Private Medical Cover members guide (Bronze, Silver and Gold plan) for full rules and. (4) Maternity and Childbirth Benefits - Please note for members who leave the Platinum Plan and re-join at a later date, there is a two waiting period to be eligible for this benefit.