STAR RATINGS REPORT. Travel Insurance

2014 STAR RATINGS REPORT Travel Insurance

August 2014 TRAVEL INSURANCE IN THIS REPORT By way of 12,387 quotes, we research and rate 209 domestic and international travel insurance products provided by 65 institutions to find which give outstanding value. Stay-at-home-hols Australians are an adventurous bunch but that doesn t mean we re constantly off gallavanting around the world. With such a vast island underneath our very feet, domestic travel is still extremely popular. According to Tourism Research Australia, domestic tourism is worth almost $70 billion (which is about 70% of total tourism expenditure), so there are plenty of us doing it and plenty of us taking out insurance for it. So what does a domestic insurance policy commonly cover you for? Luggage this may also be covered by your home and contents insurance policy, at least for some items. if you have to cancel your trip due to sudden illness or accident, say, or your employer suddenly cancelling your leave, it s a weight off your mind if you have a policy in place to make sure you don t end up out of pocket. Some other reasons for cancellation could be a natural disaster at your destination or at home, or even being called up for jury duty. Rental vehicle excess Most domestic policies will cover at least $2,500 of your rental vehicle excess (the excess is the out-of-pocket cost of you pranging your rental vehicle or having some other mishap). Rental vehicle excesses are commonly set at a level higher than the insurance coverage available, but every bit helps! Legal liability The vast majority of policies researched include coverage for legal liability. Don t take this as an excuse to break the law, though you may end up invalidating your policy! 1

What does it cost? The good news is that, on average, the cost to insure your trip around Australia is minimal certainly in comparison to the cost of your overall holiday. For a couple, the insurance for a five-day jaunt will set you back around $94 on average. A 10-day trip will be around $117 and 21 days of R&R will be just $163 on average. And the best news of all? It doesn t matter where you re going: Canberra or Cape York, Alice Springs or Adelaide, the price will be the same. The tables below detail the minimum, maximum and average cost of domestic travel insurance that CANSTAR calculated for the 2014 Travel Insurance Star Ratings. 5 days cover Minimum Maximum Average Single $23.38 $100.80 $49.55 Couple $46.76 $202.50 $94.23 Family $46.76 $202.50 $96.57 10 days cover Minimum Maximum Average Single $29.25 $121.50 $61.50 Couple $58.50 $244.80 $117.29 Family $58.50 $244.80 $120.48 21 days cover Minimum Maximum Average Single $39.60 $172.80 $86.15 Couple $76.43 $345.60 $162.91 Family $76.43 $345.60 $166.73 T Source: CANSTAR Travel Insurance Star Ratings 2014. Average is based on the premiums available for included insurers. All premiums have been based on a $100 excess. Whether you re going to Melbourne or the outback, the price of your insurance will be the same 2

Beware Travellers need to be aware of exclusions. If you re planning an adventure trip, you ll need to disclose that upon application and read the terms and conditions carefully! Things such as skiing, scuba diving, bungee jumping and rock climbing may not be covered. Also, don t fall into the trap of thinking that travel insurance is a substitute for health insurance. There is no medical cover within most domestic travel insurance policies. Who provides outstanding value? Not all travellers are the same and not all have the same requirements. CANSTAR look at three common traveller profiles: a single person, a couple (based on two adults who travel together) and a family consisting of two adults and their two children. In terms of eligibility, all domestic travel insurers must provide a comprehensive travel insurance policy that, at a minimum, covers luggage and personal effects, cancellation fees and loss of deposit. The insurer must also provide a 24-hour helpline and provide the ability to extend cover while travelling. While a competitive price will always be important, it s important to get the cover you need, not just the cheapest premium. To determine true value, we look for the right balance between price and product features based on 13 different categories. Further details in the methodology (page 10). This year, CANSTAR is pleased to announce that Insure and Go and Virgin Australia have both retained last year s mantle to take the 2014 Outstanding Value Domestic Travel Insurance award. For the second year in a row, Insure and Go has stormed up the charts to be a 2014 Outstanding Value Travel Insurance winner. It has cemented its position this year with a winning combination of price and features and has a five-star rating across all domestic profiles. Features of particular note include: Ability to claim online/over the phone Up to $5,000 for luggage and personal effects Up to $10,000 for cancellation and loss of deposits Up to $5,000 for unexpected travel expense/trip disruption. Domestic Travel Insurance Virgin Australia has now run up an impressive five years in a row as winner for outstanding value domestic travel insurance and has maintained a five-star rating across all domestic profiles. Truly an outstanding result. In addition to pricing, features that particularly impressed our Research team included: Ability to claim online and over the phone No excess applicable when making claims Resumption of trip cover Unlimited cancellation fees and loss of deposit Up to $50,000 unexpected travel and accommodation expenses. 3

Up, up and away In addition to hanging out at home, many Aussies also spend a fair bit of time hanging out at international airports. According to the most recent Australian Bureau of Statistics (ABS) figures, Australian residents took almost nine million short-term overseas trip in the year to June 2014. In terms of popularity, our most common destinations are New Zealand, Indonesia and the USA. We re also partial to Thailand, the UK and China. All very different destinations with unique and fascinating cultures. One thing they do have in common, though, is the hit to your hip pocket if you fall ill or are injured and don t have travel insurance! What do international travel insurance policies commonly cover you for? Medical/emergency dental Depending on your destination, medical expenses could end up costing your house. Therefore ensuring that you have great value medical and emergency cover is vital. Typically cover will include hospital admission, emergency care and medical evacuation. Unless it is an emergency situation, we recommend that you telephone your insurer prior to any treatment to check your coverage. If tragedy strikes while you are away, repatriation covers the cost of flying your body and belongings back to Australia. Some travel insurance funds also pay a separate sum insured upon death, as well as funeral expenses. Luggage and travel documents Stolen camera or wallet or even suitcase. Replacement of luggage and travel documents are the most commonly known and most commonly claimed travel insurance benefit. Ironically, it is probably the lowest-cost type of claim. cover If you have to cancel your trip due to sudden illness or accident, or even leave cancellation, you want to ensure that you re covered. Particularly if you re heading to a luxury destination. Political unrest and acts of terrorism may also be grounds to cancel and claim, although this varies from event to event. Note that some policies do not have unlimited cancellation cover so ensure that the amount you have purchased is sufficient for the total cost of your holidays. Legal liability Again, the vast majority of policies researched include coverage for legal liability, commonly up to an amount of several million. 4

What does it cost? In the scheme of things, travel insurance is a very small component of the overall cost of your holiday. Unlike domestic travel insurance, the cost of international travel insurance will differ according to your destination. For a 10-day overseas jaunt, Aussie couples can expect to pay average travel insurance premiums of $146 for Bali, $170 for Thailand, $228 for the USA and $181 for the UK. The tables below detail the minimum, maximum and average cost of international travel insurance for a 10-day period, as calculated by CANSTAR for the 2014 Travel Insurance Star Ratings. Bali Minimum Maximum Average Single $32.61 $172.35 $78.64 Couple $61.96 $270.00 $146.06 Family $65.22 $328.00 $150.73 Brazil Minimum Maximum Average Single $49.84 $220.00 $113.95 Couple $94.70 $422.00 $214.28 Family $99.68 $588.00 $222.48 China Minimum Maximum Average Single $41.92 $172.35 $94.57 Couple $79.65 $343.00 $176.09 Family $83.84 $343.00 $181.37 France Minimum Maximum Average Single $41.92 $176.00 $99.71 Couple $79.65 $343.00 $187.37 Family $83.84 $376.00 $193.53 5

Japan Minimum Maximum Average Single $49.84 $176.00 $101.68 Couple $94.70 $343.00 $192.31 Family $99.68 $352.00 $199.07 South Africa Minimum Maximum Average Single $41.92 $220.00 $111.62 Couple $79.65 $422.00 $210.25 Family $83.84 $440.00 $216.32 Thailand Minimum Maximum Average Single $41.92 $172.35 $91.90 Couple $79.65 $288.00 $170.90 Family $83.84 $328.00 $175.80 UK Minimum Maximum Average Single $41.92 $176.00 $96.39 Couple $79.65 $332.00 $180.80 Family $83.84 $352.00 $186.42 USA Minimum Maximum Average Single $49.84 $221.00 $120.25 Couple $94.70 $422.00 $228.25 Family $99.68 $588.00 $235.96 6

Beware Again, exclusions can be a big danger area for unwary globetrotters. No travel policy will cover you for every single thing that might go wrong while you re away, so it s important to read the policy conditions of your selected policy to be aware of any exclusions that may apply. Some common international travel insurance exclusions are: High risk countries. Check the government s Smart Traveller website for the travel advisory status of your destination. Countries and areas deemed do not travel may not be covered under your policy. Risky behaviour. Any injury or loss caused by reckless behaviour while under the influence of alcohol or drugs, except a drug prescribed to you by a medical adviser and taken in accordance with their instructions, will probably be excluded from cover. The moral? If you think it could be a dumb idea, don t do it. High-value items. Many policies will have a dollar limit claimable for each item; this dollar limit may not cover the replacement cost. Notification period. A policy may specify that an insured event needs to be notified to them within a specified timeframe (24 hours for example). It s important to be aware of the notification period under your policy and stick to it. Loss of items left unattended. It s common sense to keep an eye on your belongings. Leaving your wallet and keys wrapped in a towel on the beach while you take a quick swim, leaving belongings hidden in a shared room or losing valuables from your checked-in luggage may all be excluded from cover. Pre-existing medical conditions. Even conditions that have been undiagnosed but for which you have experienced symptoms may not be covered. It s also important to disclose the pre-existing conditions of your close relatives, if this may have an impact on your travel. and for adventure lovers Another common exclusion is hazardous pursuits. Activities such as motorbike riding, skiing, scuba diving, bungee jumping and hang-gliding may be excluded from a standard policy. However, these can often be added for an additional premium. This table lists the number of international travel insurance policies researched by CANSTAR that cover certain common hazardous pursuits as either standard (automatically included within the policy), optional (may be insured for an additional premium, upon agreement) or not covered at all. Activity Standard Optional Not included International waters 59 2 80 Motor cycle, scooter, jet ski 130 9 2 Non-professional sporting trip 75 8 58 Rock climbing 5 6 130 Snow sport 67 51 23 Water sport 88 9 44 Be sure to read the fine print on your policy. Some policies may cover motor cycle accidents but only if the person operating the motor cycle is appropriately licensed in Australia. If you are concerned about any activity that you are thinking of doing, contact your travel insurance provider beforehand to double check your coverage. 7

Who provides outstanding value? When it comes to international travel insurance, it s a crowded and competitive market. This year for the first time CANSTAR has awarded three insurance providers with the outstanding value international travel insurance accolade. Last year s winner, Southern Cross Travel Insurance, stood out from the crowd yet again, as did Insure and Go (which has also scooped the domestic travel insurance award) and new entrant to our ratings Travel Insurance Direct. All three providers were successful thanks to their mix of competitive premium and impressive features. Insure and Go As well as its success in the domestic travel insurance ratings, Insure and Go has also put together a winning combination of price and features in CANSTAR s international travel insurance ratings. In addition to price, some features of note include: Pregnancy cover up to 32 weeks. For many international travel insurance policies, coverage for those who are pregnant ceases at around the 20-week mark. age for up to 32 weeks is a standout feature. Insure and Go also offers unlimited medical and unlimited cancellation fees and loss of deposit. Collapse of airline. A differentiating feature of Insure and Go is the provision of some coverage for scheduled airline failure. Subject to some conditions, the policy will pay for a one-way airfare home if your original airline becomes insolvent. International Travel Insurance Southern Cross Travel Insurance In winning the 2014 outstanding value international travel insurance award, Southern Cross Travel has made it an impressive five years in a row. In terms of pricing, Southern Cross Travel is consistently in the top 10 providers surveyed across all destinations and this price is combined with some impressive features. Of note: Unlimited overseas medical cover and repatriation, plus $750 of overseas dental cover per person. With overseas medical costs potentially running into the hundreds of thousands, unlimited cover helps provide peace of mind for unlucky travellers. The ability to claim online is another great feature that can save time and the hassle of paperwork while you are still overseas. Rental vehicle excess of $5,000 as standard. Traffic bingles while overseas can be common and Southern Cross will cover the first $5,000 of rental vehicle excess, substantially higher than the average. You will still have to pay the cost of excess upfront, but Southern Cross will reimburse up to $5,000 upon your return. Travel Insurance Direct This is a first-time win for Travel Insurance Direct (TID), which is on the back of some competitive pricing across all destinations as well as a good feature offering. In terms of price, TID is also consistently in the top 10 providers surveyed across all destinations. When it comes to features, the following caught the eye of our Research team: Nil excess available. If you don t want to be out of pocket in the event of a claim, TID gives you the option to buy out or reduce your excess via an additional premium. Unlimited medical and unlimited cancellation fees and loss of deposit. While all three winners do have unlimited medical cover, unlimited cancellation cover is less common. Standard cover for diabetes. With the incidence of diabetes soaring in Australia, offering standard cover for diabetes (provided the traveller s condition is stable) can potentially benefit many travellers. CANSTAR would like to congratulate all the winners on their outstanding achievement. 8

There is more outstanding value to be found In addition to CANSTAR s overall winners, many other products received a five-star outstanding value rating across the destinations and profiles assessed. In total: Domestic 8 products received for domestic travel insurance (singles) 9 products received for domestic travel insurance (couples) 7 products received for domestic travel insurance (families) Bali 12 products received for international travel insurance (singles) 12 products received for international travel insurance (couples) 11 products received for international travel insurance (families) Brazil 12 products received for international travel insurance (singles) 11 products received for international travel insurance (couples) 11 products received for international travel insurance (families) China 13 products received for international travel insurance (singles) 12 products received for international travel insurance (couples) 11 products received for international travel insurance (families) France 11 products received for international travel insurance (singles) 11 products received for international travel insurance (couples) 12 products received for international travel insurance (families) Japan 11 products received for international travel insurance (singles) 11 products received for international travel insurance (couples) 10 products received for international travel insurance (families) South Africa 11 products received for international travel insurance (singles) 11 products received for international travel insurance (couples) 10 products received for international travel insurance (families) Thailand 12 products received for international travel insurance (singles) 13 products received for international travel insurance (couples) 12 products received for international travel insurance (families) UK 11 products received for international travel insurance (singles) 11 products received for international travel insurance (couples) 11 products received for international travel insurance (families) USA 10 products received for international travel insurance (singles) 10 products received for international travel insurance (couples) 10 products received for international travel insurance (families) 9

METHODOLOGY TRAVEL INSURANCE STAR RATINGS METHODOLOGY What are the CANSTAR Travel Insurance Star Ratings? CANSTAR Travel Insurance Star Ratings involve a sophisticated rating methodology, unique to CANSTAR, that compares travel insurance products in Australia. CANSTAR star ratings provide a transparent analysis of a shortlist of travel insurance products, enabling consumers to narrow their search to products that have been independently assessed and ranked. The results are reflected in a consumer-friendly five-star concept, with five stars signifying outstanding value offered by the product. What types of products are evaluated in the CANSTAR Travel Insurance Star Ratings? CANSTAR rates a number of international and domestic travel insurance policies covering the following profile types and destinations: Who? Single Couple Family Where? Asia Australia Europe Pacific Worldwide China Bali Thailand Japan UK France New Zealand Fiji Brazil South Africa USA 10

For institutions to be eligible for the international travel insurance star ratings, the policy must be a comprehensive policy. This means it must meet certain basic feature requirements in order to be included in the ratings. The requirements are: medical and hospital cover (international only) and evacuation services (international only) Luggage and personal effects fees and loss of deposit How are the CANSTAR Travel Insurance Star Ratings calculated? Each travel insurance product reviewed for the CANSTAR Travel Insurance Star Ratings is awarded points for its comparative pricing and for the array of positive features attached to the product. Points are aggregated to achieve a Pricing score and a Features score. To arrive at the total score, CANSTAR applies a weight against the Pricing and Features scores. This weight will vary from profile to profile and will reflect the relative importance of either costs or features in determining the best product. This method can be summarised as: TOTAL SCORE = PRICING + FEATURES SCORE Pricing score 60% Average premium Based on three different periods of travel Features score 40% features Based on 13 different feature categories Policy conditions Policy inclusions Indexed Score with the best pricing or features will receive a full score Pricing score The pricing score for each profile is based on guidelines outlined below. Quotes within the profile types and destinations were used to determine the minimum average premium in each profile. This was then indexed against each policy premium and weighted by its 60% weighting to determine final pricing score. Profile types Quotes were based on the three profile types: Single, Couple and Family. These travellers were based on: 40-year-old adult/s If family, a 15-year-old child and an 11-year-old child NSW as the state of residence 11

Travel period The travel periods used to find the average premium to Japan, South Africa, China, Bali, Thailand, UK, France, USA and Brazil are as follows: Profile Period of travel Departing date Returning date Days 10 days 1 June 2014 10 June 2014 Weeks 21 days 1 June 2014 21 June 2014 Months 42 days 1 June 2014 11 July 2014 The travel periods used to find the average premium to Australia, Fiji and New Zealand are as follows: Profile Period of travel Departing date Returning date Days 5 days 1 June 2014 5 June 2014 Short holiday 10 days 1 June 2014 10 June 2014 Long holiday 21 days 1 June 2014 21 June 2014 Excesses To ensure fair comparison between providers, premiums were quoted at the standard excess amount of $100. For policies that did not have the option of $100 standard excess, premiums were adjusted based on industry-based actuarial data. Features score Features are split into different sub-categories that are allocated appropriate weights. Based on the points received, each individual policy receives a total features score. The total score is then weighted against the weights provided in the table below for their respective profile feature score. The feature score is then indexed and weighted by its 40% weighting to provide the final features score. Feature categories weightings Category International Domestic Policy conditions 20% 15% Definitions 33.3% 33.3% Policy flexibility 33.3% 33.3% Claim processes 33.4% 33.4% Policy inclusions 10% 10% Inclusions 50% 50% Scenarios 50% 50% Policy benefits 70% 75% medical and dental 40% - Luggage and travel documents 15% 26% fees and loss of deposit 22% 41% Emergency travel arrangements 14% 8% Rental vehicle cover 6% 20% death, disability and loss of income 1% 2% Legal liability 1% 2% Domestic services 1% 1% Total 100% 100% 12

Sub-category International Domestic Definitions 33.3% 33.3% Conditions 33.3% 33.3% Dependants 33.3% 33.3% Pre-existing medical conditions 33.4% 33.4% Feature categories definitions Policy conditions Definitions Policy flexibility Claim process Sub-category definition Definition of cover, e.g. definition of dependents, pre-existing medical conditions, etc. Nil excess, adjustable excess, extend travel period, extra cover for paying extra Claim online, claim over the phone, 24-hour helpline, helpline accepts reverse charge calls Policy benefits medical and dental Luggage and travel documents fees and loss of deposit Emergency travel arrangements Rental vehicle cover death, disability and loss of income Legal liability Domestic Sub-category definition Level of cover on medical- and dental-related issues Level of cover on personal belongings Level of cover on administration-related fees Level of cover on unexpected changes during period of travel Level of cover on rental vehicle excess Level of cover on death, disability and loss of income Level of cover on legal liability Level of cover for domestic-related issues, e.g. domestic pets Policy inclusions Inclusions Scenarios Sub-category definition Land-based recreational vehicles, water-based recreational vehicles, non-professional sporting trip, extreme activities, etc. A number of situations that insurers may/may not cover 13

What is the CANSTAR Travel Insurance Award? In conjunction with the travel star ratings, CANSTAR has awarded two separate awards to the insurers who provide outstanding value in the following categories: These are awarded to the insurers that provide the best combination of products across the travel insurance star ratings profiles, as well as excelling in a range of travel destinations and features. The award aims to give recognition to those insurers who offer quality products with desirable features to travellers in a particular category. For institutions to be eligible for the overall awards, they must meet certain minimum requirements. The requirements are as follows: 24-hour helpline available Ability to extend cover while travelling $25 million + family overseas medical and hospital cover (international only) $5 million + family cover for repatriation and evacuation services (international only) How is the CANSTAR Travel Insurance Award calculated? The maximum total score of each country profile is taken from each insurer and is indexed against the maximum possible top score in each country profile. This produces an indexed score which is then weighted against the profile type weights provided in the methodology tree below. Each of the profile type scores is then summed to determine the final award winner in both categories. Single profiles 35% Couple profiles 35% Family profiles 30% For international travel insurance we consider 11 international destinations and Australia for domestic travel insurance Indexed Score with the best pricing or features will receive a full score 14

How are the stars awarded? The total score received for each profile ranks the products. The stars are then awarded based on the distribution of the scores according to the following guidelines. As you can see, only the products that obtain a score in the top 10% of the score distribution receive a five-star rating. The results are reflected in a consumer-friendly five-star concept, with five stars denoting an outstanding product. Does CANSTAR rate all products available in the market? We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. However, this process is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you. How often are products reviewed for star ratings purposes? All ratings are fully recalculated every 12 months, based on the latest submissions from each institution. CANSTAR also monitors changes on an ongoing basis. Does CANSTAR rate other product areas? CANSTAR researches, compares and rates the suite of banking and insurance products listed below. These star ratings use similar methodologies to guarantee quality, consistency and transparency. Results are freely available to consumers who use the star ratings as a guide to product excellence. The use of similar star ratings logos also builds consumer recognition of quality products across all categories. Please access the CANSTAR website at www.canstar.com.au if you would like to view the latest star ratings reports of interest. Account based pensions Agribusiness Business banking Business life insurance Car insurance Credit cards Deposit accounts Direct life insurance First home buyer Health insurance Home & Contents Home loans Life insurance Managed investments Margin lending Online banking Online share trading Package banking loans Reward programs Superannuation Term deposits Travel insurance Travel money card Youth banking 15

DISCLAIMER: To the extent that the information in this report constitutes general advice, this advice has been prepared by CANSTAR Research Pty Ltd A.C.N. 114 422 909 AFSL and ACL 437917 ( CANSTAR ). The information has been prepared without taking into account your individual investment objectives, financial circumstances or needs. Before you decide whether or not to acquire a particular financial product you should assess whether it is appropriate for you in the light of your own personal circumstances, having regard to your own objectives, financial situation and needs. You may wish to obtain financial advice from a suitably qualified adviser before making any decision to acquire a financial product. CANSTAR provides information about credit products. It is not a credit provider and in giving you information it is not making any suggestion or recommendation to you about a particular credit product. Please refer to CANSTAR s FSG for more information. The information in this report must not be copied or otherwise reproduced, repackaged, further transmitted, transferred, disseminated, redistributed or resold, or stored for subsequent use for any purpose, in whole or in part, in any form or manner or by means whatsoever, by any person without CANSTAR s prior written consent. All information obtained by CANSTAR from external sources is believed to be accurate and reliable. Under no circumstances shall CANSTAR have any liability to any person or entity due to error (negligence or otherwise) or other circumstances or contingency within or outside the control of CANSTAR or any of its directors, officers, employees or agents in connection with the procurement, collection, compilation, analysis, interpretation, communication, publication, or delivery of any such information. Copyright 2014 CANSTAR Research Pty Ltd A.C.N. 114 422 909 The word CANSTAR, the gold star in a circle logo (with or without surmounting stars), are trademarks or registered trademarks of CANSTAR Pty Ltd. Reference to third party products, services or other information by trade name, trademark or otherwise does not constitute or imply endorsement, sponsorship or recommendation of CANSTAR by the respective trademark owner. 16

Single - Domestic Fee 1300 Insurance Plan C Australia Only Unlimited $25,000 $7,500 N/A $3,000 Insure and Go Domestic $10,000 $15,000 $5,000 $250 $2,000 Medibank Domestic Plan Unlimited $10,000 $8,000 N/A $300 NRMA Domestic Comprehensive Unlimited $10,000 $8,000 N/A $3,000 Simply Travel Insurance Plan B - Australia Only Unlimited $25,000 $7,500 N/A $3,000 Travel Insurance Direct Domestic $10,000 $10,000 N/A $250 $4,000 Virgin Australia Domestic Unlimited $25,000 $5,000 N/A $3,000 Worldcare Australia Only Unlimited $25,000 $5,000 N/A $3,000 1 Direct Plan D - Domestic Unlimited $25,000 $5,000 N/A $3,000 Allianz Plan B - Australia Only Unlimited $25,000 $7,500 N/A $3,000 Budget Direct Plan E - Australia Platinum Unlimited $20,000 $5,000 N/A $3,000 Citibank Domestic - Essential $10,000 $20,000 $2,000 N/A $1,000 Columbus Direct Premier $15,000 $75,000 $7,500 $1,000 $3,000 Columbus Direct Standard $10,000 $50,000 $6,000 $500 $3,000 Downunder Insurance Plan B - Australia Only $10,000 $30,000 $5,000 $500 $3,000 Fastcover Plan B - Domestic Unlimited $25,000 $7,500 N/A $3,000 GIO Holiday Travel Insurance Unlimited $25,000 $6,000 $250 $3,000 Good2Go Domestic - Q12 $10,000 $10,000 $3,000 $500 $500 Kango L2 - Rock Wallaby $10,000 N/A $3,000 N/A $250 Kango L3 - Wallaby $12,500 N/A $5,000 $250 $3,000 (All information correct as at 1 June 2014) TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 1

Single - Domestic Fee My Plan B - Australia Only Unlimited $25,000 $7,500 N/A $3,000 Online Travel Insurance Plan B - Australia Only $10,000 $25,000 $5,000 N/A $3,000 Real Insurance Comrephensive - Domestic $12,000 $12,000 $10,000 $250 $3,000 Travellers Choice Basic - Domestic $1,500 $10,000 $1,500 N/A $750 Zuji Australia Only Unlimited $25,000 $5,000 N/A $3,000 AIG Bronze (E12) Unlimited $25,000 $15,000 $500 $3,000 AIG Domestic (Q12) $15,000 $10,000 $3,000 N/A $500 American Express Domestic Single Trip $10,000 N/A $5,000 N/A $1,500 ANZ Australian $10,000 $10,000 $4,000 N/A $1,000 Aussie Travel Basic - Domestic $3,000 $10,000 $1,500 N/A $1,500 Australia Post Domestic $10,000 $10,000 $4,000 N/A $3,000 Big Sky Plan B - Australia Only Unlimited $25,000 $7,500 N/A $3,000 Budget Direct Plan F - Australia Silver $5,000 N/A $3,000 N/A $3,000 CGU Australian Unlimited $10,000 $2,500 N/A $500 CHI Travel Insurance Basic - Australia Only Unlimited $25,000 $8,000 N/A $3,000 CHI Travel Insurance Plan B - Australia Only Unlimited $25,000 $8,000 N/A $3,000 Citibank Domestic - Elite $25,000 $100,000 $10,000 N/A $2,000 Citibank Domestic - Premium $15,000 $25,000 $5,000 N/A $1,500 more Travelsure - Domestic $10,000 $10,000 $3,000 N/A $300 Go Insurance Go Basic - Domestic $15,000 $20,000 $7,500 $250 $2,000 (All information correct as at 1 June 2014) TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 2

Single - Domestic Fee Go Insurance Go Plus - Domestic $25,000 $25,000 $10,000 $500 $3,000 Greater Building Society Plan B - Australia Only Unlimited $25,000 $7,500 N/A $3,000 HCF Insurance Australian Travel Plan Unlimited $25,000 $15,000 $250 $6,000 HSBC Plan B - Australia Only Unlimited $25,000 $7,500 N/A $3,000 Hume Building Society Plan B - Domestic Unlimited $15,000 $5,000 N/A $3,000 Hume Building Society Plan D - Snow Unlimited $15,000 $7,500 $250 $3,000 Kango L4 - Eastern Grey $12,500 N/A $6,000 $500 $3,000 Kango L5 - Big Red $15,000 $50,000 $7,500 $750 $3,000 nab Plan B - Domestic Unlimited $25,000 $7,500 N/A $3,000 People's Choice Credit Union Australian Unlimited $10,000 $2,500 N/A $500 Priceline Protects Australia Only - Essential $2,500 N/A $1,000 N/A $1,000 Priceline Protects Australia Only - Premium $5,000 $25,000 $3,500 N/A $3,500 Real Insurance Basics - Domestic $5,000 N/A $5,000 N/A $3,000 Ski Insurance Plan B - Australia Only Unlimited $25,000 $5,000 N/A $3,000 St.George Bank Australian Unlimited $10,000 $2,500 N/A $500 STA Travel Basic - Domestic $10,000 $10,000 $3,000 N/A $1,000 STA Travel Comprehensive - Domestic $10,000 $10,000 $6,000 N/A $3,500 STA Travel Essentials - Domestic $10,000 $10,000 $3,000 N/A $2,500 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $25,000 $6,000 $250 $3,000 Travel Insuranz Classic $2,500 N/A $2,500 $125 $500 Travel Insuranz Deluxe $10,000 $30,000 $7,500 $600 $3,000 Travel Insuranz Premier $5,000 $10,000 $3,500 $150 $500 (All information correct as at 1 June 2014) TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 3

Single - Domestic Fee Virgin Money Australia Only - Plan B $10,000 $25,000 $7,500 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $25,000 $5,000 $250 $500 Westpac Holiday Travel Insurance Unlimited $25,000 $6,000 $250 $3,000 Woolworths Comprehensive - Domestic $12,000 $12,000 $10,000 $250 $3,000 Aussie Travel Plan C - Domestic $20,000 $5,000 $2,000 N/A $2,000 Australian Unity Australian Unlimited $10,000 $2,500 N/A $500 BUPA Domestic Unlimited $10,000 $2,500 N/A $500 HBF Insurance Australian Plan Unlimited $10,000 $2,500 N/A $500 multitrip.com.au Australian $10,000 $10,000 $4,000 N/A $1,000 Onepath Australian Travel $10,000 $10,000 $4,000 N/A $1,000 QBE Australian Basics $7,500 $5,000 $1,500 N/A $750 QBE Australian Plus $10,000 $10,000 $4,000 N/A $1,000 Suresave Domestic $10,000 $10,000 $4,000 $250 $4,000 Travellers Choice Comprehensive - Domestic $10,000 $10,000 $3,000 N/A N/A Woolworths Basic - Domestic $5,000 N/A $5,000 N/A $3,000 National Seniors Australia Only $10,000 $10,000 $4,000 N/A $4,000 QBE Australian Cruising $10,000 $10,000 $3,000 N/A $1,000 RAC Domestic Unlimited $25,000 $7,500 N/A $1,500 (All information correct as at 1 June 2014) TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 4

Single - Domestic Fee RACQ Domestic Unlimited $25,000 $7,500 N/A $1,500 RACV Domestic Unlimited $25,000 $7,500 N/A $1,500 (All information correct as at 1 June 2014) TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 5

Couple - Domestic Fee 1300 Insurance Plan C Australia Only Unlimited $50,000 $15,000 N/A $3,000 Columbus Direct Premier $30,000 $150,000 $15,000 $2,000 $3,000 Columbus Direct Standard $20,000 $100,000 $12,000 $1,000 $3,000 Downunder Insurance Plan B - Australia Only $20,000 $60,000 $10,000 $1,000 $3,000 GIO Holiday Travel Insurance Unlimited $50,000 $12,000 $500 $3,000 Insure and Go Domestic $20,000 $30,000 $10,000 $500 $2,000 Medibank Domestic Plan Unlimited $20,000 $16,000 N/A $300 NRMA Domestic Comprehensive Unlimited $20,000 $16,000 N/A $3,000 Virgin Australia Domestic Unlimited $50,000 $10,000 N/A $3,000 Big Sky Plan B - Australia Only Unlimited $50,000 $15,000 N/A $3,000 Budget Direct Plan E - Australia Platinum Unlimited $40,000 $10,000 N/A $3,000 Citibank Domestic - Essential $20,000 $40,000 $4,000 N/A $1,000 Fastcover Plan B - Domestic Unlimited $50,000 $15,000 N/A $3,000 Good2Go Domestic - Q12 $20,000 $10,000 $6,000 $500 $500 Greater Building Society Plan B - Australia Only Unlimited $50,000 $15,000 N/A $3,000 Kango L2 - Rock Wallaby $10,000 N/A $3,000 N/A $250 My Plan B - Australia Only Unlimited $50,000 $15,000 N/A $3,000 Online Travel Insurance Plan B - Australia Only $20,000 $50,000 $10,000 N/A $3,000 Real Insurance Comrephensive - Domestic $24,000 $24,000 $20,000 $500 $3,000 Simply Travel Insurance Plan B - Australia Only Unlimited $50,000 $7,500 N/A $3,000 (All information correct as at 1 June 2014) TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 6

Couple - Domestic Fee Ski Insurance Plan B - Australia Only Unlimited $50,000 $10,000 N/A $3,000 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $50,000 $12,000 $500 $3,000 Travel Insurance Direct Domestic $20,000 $20,000 $8,000 $250 $4,000 Worldcare Australia Only Unlimited $50,000 $10,000 N/A $3,000 1 Direct Plan D - Domestic Unlimited $50,000 $10,000 N/A $3,000 AIG Bronze (E12) Unlimited $50,000 $30,000 $1,000 $3,000 AIG Domestic (Q12) $30,000 $40,000 $6,000 N/A $500 Allianz Plan B - Australia Only Unlimited $50,000 $7,500 N/A $3,000 American Express Domestic Single Trip $20,000 N/A $10,000 $0 $1,500 ANZ Australian $20,000 $20,000 $8,000 N/A $1,000 Australia Post Domestic $10,000 $20,000 $8,000 N/A $3,000 Australian Unity Australian Unlimited $20,000 $5,000 N/A $500 Budget Direct Plan F - Australia Silver $5,000 N/A $6,000 N/A $3,000 BUPA Domestic Unlimited $20,000 $5,000 N/A $500 CGU Australian Unlimited $20,000 $5,000 N/A $500 CHI Travel Insurance Basic - Australia Only Unlimited $50,000 $8,000 N/A $3,000 Citibank Domestic - Elite $50,000 $200,000 $20,000 N/A $2,000 Citibank Domestic - Premium $30,000 $50,000 $10,000 N/A $1,500 more Travelsure - Domestic $10,000 $20,000 $6,000 N/A $300 Go Insurance Go Basic - Domestic $30,000 $40,000 $15,000 $500 $2,000 (All information correct as at 1 June 2014) TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 7

Couple - Domestic Fee Go Insurance Go Plus - Domestic $50,000 $50,000 $20,000 $1,000 $3,000 HBF Insurance Australian Plan Unlimited $20,000 $5,000 N/A $500 HCF Insurance Australian Travel Plan Unlimited $50,000 $30,000 $500 $6,000 HSBC Plan B - Australia Only Unlimited $25,000 $7,500 N/A $3,000 Hume Building Society Plan B - Domestic Unlimited $30,000 $10,000 N/A $3,000 Hume Building Society Plan D - Snow Unlimited $30,000 $15,000 $500 $3,000 Kango L3 - Wallaby $12,500 N/A $5,000 $250 $3,000 Kango L4 - Eastern Grey $12,500 N/A $6,000 $500 $3,000 Kango L5 - Big Red $15,000 $50,000 $7,500 $750 $3,000 nab Plan B - Domestic Unlimited $25,000 $7,500 N/A $3,000 People's Choice Credit Union Australian Unlimited $20,000 $5,000 N/A $500 Priceline Protects Australia Only - Essential $5,000 N/A $2,000 N/A $1,000 Priceline Protects Australia Only - Premium $10,000 $50,000 $7,000 N/A $3,500 Real Insurance Basics - Domestic $10,000 N/A $10,000 N/A $3,000 St.George Bank Australian Unlimited $20,000 $5,000 N/A $500 STA Travel Basic - Domestic $10,000 N/A $6,000 N/A $1,000 Travel Insuranz Classic $5,000 N/A $5,000 $250 $500 Travel Insuranz Deluxe $20,000 $60,000 $15,000 $1,200 $3,000 Travel Insuranz Premier $10,000 $20,000 $7,000 $300 $500 Travellers Choice Basic - Domestic $1,500 $20,000 $3,000 N/A $750 Virgin Money Australia Only - Plan B $20,000 $50,000 $15,000 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $50,000 $10,000 $500 $500 (All information correct as at 1 June 2014) TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 8

Couple - Domestic Fee Westpac Holiday Travel Insurance Unlimited $50,000 $12,000 $500 $3,000 Woolworths Comprehensive - Domestic $24,000 $24,000 $20,000 $500 $3,000 Zuji Australia Only Unlimited $25,000 $5,000 N/A $3,000 Aussie Travel Basic - Domestic $6,000 $20,000 $3,000 N/A $1,500 Aussie Travel Plan C - Domestic $40,000 $10,000 $4,000 N/A $2,000 CHI Travel Insurance Plan B - Australia Only Unlimited $50,000 $8,000 N/A $3,000 multitrip.com.au Australian $20,000 $20,000 $8,000 N/A $1,000 Onepath Australian Travel $20,000 $20,000 $8,000 N/A $1,000 QBE Australian Basics $15,000 $10,000 $3,000 N/A $750 QBE Australian Plus $20,000 $20,000 $8,000 N/A $1,000 RAC Domestic Unlimited $50,000 $15,000 N/A $1,500 STA Travel Comprehensive - Domestic $10,000 $20,000 $12,000 N/A $3,500 STA Travel Essentials - Domestic $10,000 $20,000 $6,000 N/A $2,500 Travellers Choice Comprehensive - Domestic $10,000 $20,000 $6,000 N/A N/A Woolworths Basic - Domestic $10,000 N/A $10,000 N/A $3,000 National Seniors Australia Only $20,000 $20,000 $8,000 N/A $4,000 QBE Australian Cruising $20,000 $20,000 $6,000 N/A $1,000 RACQ Domestic Unlimited $50,000 $15,000 N/A $1,500 (All information correct as at 1 June 2014) TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 9

Couple - Domestic Fee RACV Domestic Unlimited $50,000 $15,000 N/A $1,500 Suresave Domestic $20,000 $20,000 $8,000 $250 $4,000 (All information correct as at 1 June 2014) TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 10

Family - Domestic Fee 1300 Insurance Plan C Australia Only Unlimited $50,000 $15,000 N/A $3,000 Downunder Insurance Plan B - Australia Only $20,000 $60,000 $10,000 $500 $3,000 GIO Holiday Travel Insurance Unlimited $50,000 $12,000 $500 $3,000 Insure and Go Domestic $40,000 $40,000 $20,000 $1,000 $2,000 Medibank Domestic Plan Unlimited $20,000 $16,000 N/A $300 NRMA Domestic Comprehensive Unlimited $20,000 $16,000 N/A $3,000 Virgin Australia Domestic Unlimited $50,000 $10,000 N/A $3,000 American Express Domestic Single Trip $20,000 N/A $30,000 $0 $1,500 Citibank Domestic - Essential $20,000 $40,000 $4,000 N/A $1,000 Columbus Direct Premier $30,000 $150,000 $15,000 $2,000 $3,000 Columbus Direct Standard $20,000 $100,000 $12,000 $1,000 $3,000 Fastcover Plan B - Domestic Unlimited $50,000 $15,000 N/A $3,000 Go Insurance Go Plus - Domestic $100,000 $100,000 $40,000 $2,000 $3,000 Good2Go Domestic - Q12 $20,000 $10,000 $6,000 $500 $500 Kango L2 - Rock Wallaby $20,000 N/A $6,000 N/A $250 Kango L3 - Wallaby $25,000 N/A $10,000 $250 $3,000 My Plan B - Australia Only Unlimited $50,000 $15,000 N/A $3,000 Simply Travel Insurance Plan B - Australia Only Unlimited $50,000 $15,000 N/A $3,000 Ski Insurance Plan B - Australia Only Unlimited $50,000 $10,000 N/A $3,000 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $50,000 $12,000 $500 $3,000 (All information correct as at 1 June 2014) TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 11

Family - Domestic Fee Travel Insurance Direct Domestic $20,000 $20,000 $8,000 $250 $4,000 Travel Insuranz Deluxe $40,000 $120,000 $30,000 $2,400 $3,000 Worldcare Australia Only Unlimited $50,000 $10,000 N/A $3,000 1 Direct Plan D - Domestic Unlimited $50,000 $10,000 N/A $3,000 AIG Bronze (E12) Unlimited $50,000 $30,000 $1,000 $3,000 Allianz Plan B - Australia Only Unlimited $50,000 $15,000 N/A $3,000 ANZ Australian $20,000 $20,000 $8,000 N/A $1,000 Australia Post Domestic $10,000 $20,000 $8,000 N/A $3,000 Australian Unity Australian Unlimited $20,000 $5,000 N/A $500 Big Sky Plan B - Australia Only Unlimited $50,000 $15,000 N/A $3,000 Budget Direct Plan E - Australia Platinum Unlimited $40,000 $10,000 N/A $3,000 Budget Direct Plan F - Australia Silver $10,000 N/A $6,000 N/A $3,000 BUPA Domestic Unlimited $20,000 $5,000 N/A $500 CGU Australian Unlimited $20,000 $5,000 N/A $500 CHI Travel Insurance Basic - Australia Only Unlimited $50,000 $16,000 N/A $3,000 Citibank Domestic - Elite $50,000 $200,000 $20,000 N/A $2,000 Citibank Domestic - Premium $30,000 $50,000 $10,000 N/A $1,500 more Travelsure - Domestic $10,000 $20,000 $6,000 N/A $300 Go Insurance Go Basic - Domestic $60,000 $80,000 $30,000 $1,000 $2,000 Greater Building Society Plan B - Australia Only Unlimited $50,000 $15,000 N/A $3,000 (All information correct as at 1 June 2014) TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 12

Family - Domestic Fee HBF Insurance Australian Plan Unlimited $20,000 $5,000 N/A $500 HCF Insurance Australian Travel Plan Unlimited $50,000 $30,000 $500 $6,000 HSBC Plan B - Australia Only Unlimited $50,000 $15,000 N/A $3,000 Hume Building Society Plan B - Domestic Unlimited $30,000 $10,000 N/A $3,000 Hume Building Society Plan D - Snow Unlimited $30,000 $15,000 $500 $3,000 Kango L4 - Eastern Grey $25,000 N/A $12,000 $500 $3,000 Kango L5 - Big Red $30,000 $100,000 $15,000 $750 $3,000 nab Plan B - Domestic Unlimited $50,000 $15,000 N/A $3,000 Online Travel Insurance Plan B - Australia Only $20,000 $50,000 $10,000 N/A $3,000 People's Choice Credit Union Australian Unlimited $20,000 $5,000 N/A $500 Priceline Protects Australia Only - Essential $5,000 N/A $2,000 N/A $1,000 Priceline Protects Australia Only - Premium $10,000 $50,000 $7,000 N/A $3,500 Real Insurance Basics - Domestic $10,000 N/A $10,000 N/A $3,000 Real Insurance Comrephensive - Domestic $24,000 $24,000 $20,000 $500 $3,000 St.George Bank Australian Unlimited $20,000 $5,000 N/A $500 Travel Insuranz Classic $10,000 N/A $10,000 $500 $500 Travel Insuranz Premier $20,000 $40,000 $14,000 $600 $500 Travellers Choice Basic - Domestic $1,500 $20,000 $3,000 N/A $750 Virgin Money Australia Only - Plan B $20,000 $50,000 $15,000 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $50,000 $10,000 $500 $500 Westpac Holiday Travel Insurance Unlimited $50,000 $12,000 $500 $3,000 Woolworths Comprehensive - Domestic $24,000 $24,000 $20,000 $500 $3,000 (All information correct as at 1 June 2014) TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 13

Family - Domestic Fee AIG Domestic (Q12) $30,000 $40,000 $6,000 N/A $500 Aussie Travel Basic - Domestic $6,000 $20,000 $3,000 N/A $1,500 Aussie Travel Plan C - Domestic $40,000 $10,000 $4,000 N/A $2,000 CHI Travel Insurance Plan B - Australia Only Unlimited $50,000 $16,000 N/A $3,000 multitrip.com.au Australian $20,000 $20,000 $8,000 N/A $1,000 Onepath Australian Travel $20,000 $20,000 $8,000 N/A $1,000 QBE Australian Basics $15,000 $10,000 $3,000 N/A $750 QBE Australian Plus $20,000 $20,000 $8,000 N/A $1,000 RAC Domestic Unlimited $50,000 $15,000 N/A $1,500 Suresave Domestic $20,000 $20,000 $8,000 $500 $4,000 Travellers Choice Comprehensive - Domestic $10,000 $20,000 $6,000 N/A N/A Woolworths Basic - Domestic $10,000 N/A $10,000 N/A $3,000 Zuji Australia Only Unlimited $50,000 $10,000 N/A $3,000 QBE Australian Cruising $20,000 $20,000 $6,000 N/A $1,000 RACQ Domestic Unlimited $50,000 $15,000 N/A $1,500 RACV Domestic Unlimited $50,000 $15,000 N/A $1,500 (All information correct as at 1 June 2014) TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 14

Single - International - Bali Fee Medical 1 Direct Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Citibank International - Essential $25,000 $20,000 Unlimited Unlimited Unlimited $5,000 N/A $3,500 Downunder Insurance Plan C - Backpackers $2,500 $15,000 Unlimited Unlimited $750 $2,000 $500 $3,000 Insure and Go Gold Unlimited $50,000 Unlimited Unlimited $500 $8,000 $500 $3,000 Insure and Go Silver $15,000 $37,500 Unlimited Unlimited $500 $6,000 $250 $2,000 Kango L2 - Rock Wallaby $10,000 N/A $5,000,000 $5,000,000 $500 $3,000 N/A $250 Real Insurance Comprehensive - International $12,000 $12,000 Unlimited Unlimited Unlimited $10,000 $250 $3,000 Travel Insurance Direct International Unlimited $25,000 Unlimited Unlimited $500 $12,000 $250 $4,000 Travel Insuranz Classic $2,500 N/A $10,000,000 $10,000,000 $500 $2,500 $125 $500 Woolworths Basic $5,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $3,000 Woolworths Comprehensive $12,000 $12,000 Unlimited Unlimited Unlimited $10,000 $250 $3,000 Worldcare Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $12,000 $250 $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $250 $3,000 American Express Essentials -Single Trip International $10,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $1,500 Budget Direct Plan A - Platinum Unlimited $20,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Budget Direct Plan B - Silver $10,000 N/A Unlimited Unlimited $500 $3,000 N/A $3,000 Columbus Direct Premier $15,000 $75,000 $20,000,000 $20,000,000 $2,000 $7,500 $1,000 $3,000 Columbus Direct Standard $10,000 $50,000 $12,500,000 $12,500,000 $1,000 $6,000 $500 $3,000 Downunder Insurance Plan A - Comprehensive $10,000 $30,000 Unlimited Unlimited $750 $5,000 $500 $3,000 Go Insurance Go Basic - International $15,000 $20,000 $10,000,000 $10,000,000 $750 $7,500 $250 $2,000 Go Insurance Go Plus - International $25,000 $25,000 $10,000,000 $10,000,000 $1,500 $10,000 $500 $3,000 Good2Go Essentials Travel Insurance $10,000 N/A $5,000,000 $5,000,000 $500 $3,000 N/A $250 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 1

Single - International - Bali Fee Medical itrek Gold $15,000 $15,000 Unlimited Unlimited $500 $5,000 N/A $3,000 itrek Platinum Unlimited $15,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Kango L3 - Wallaby $12,500 N/A $5,000,000 $5,000,000 $500 $5,000 $250 $3,000 Medibank International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $8,000 $250 $3,000 My Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 NRMA International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 OUCH C Travel Plan Unlimited $10,000 Unlimited Unlimited Unlimited $15,000 N/A $1,000 Priceline Protects International - Essential $5,000 N/A Unlimited Unlimited Unlimited $1,500 N/A $1,000 Priceline Protects International - Premium $10,000 $25,000 Unlimited Unlimited Unlimited $5,000 $200 $3,500 Real Insurance Basics - International $5,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $3,000 Southern Cross Travel Insuranc World $50,000 $100,000 Unlimited Unlimited $750 $25,000 $500 $3,000 Travel Insuranz Premier $5,000 $10,000 $10,000,000 $10,000,000 $500 $3,500 $150 $500 Webjet Comprehensive - Plan A Unlimited $25,000 Unlimited Unlimited $1,000 $5,000 $250 $500 Webjet Essentials - Plan B $5,000 $15,000 $5,000,000 $5,000,000 $1,000 $1,500 $250 $500 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 1300 Insurance Plan A Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 AAMI International Travel Unlimited $10,000 Unlimited Unlimited Unlimited $6,000 N/A $3,000 AIG Bronze (E12) Unlimited $25,000 Unlimited Unlimited $2,000 $15,000 $500 $3,000 Allianz Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 ANZ International Unlimited N/A Unlimited Unlimited $2,000 $15,000 N/A $6,000 Aussie Travel Basic - NZ/Indonesia/Fiji $3,000 $10,000 Unlimited Unlimited $500 $3,000 $250 $1,500 Aussie Travel Plan A - NZ/Indonesia/Fiji Unlimited $10,000 Unlimited Unlimited $1,000 $3,000 $250 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 2

Single - International - Bali Fee Medical Australia Post International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $7,500 $250 $3,000 Big Sky Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 CHI Travel Insurance Basic - International $3,000 $10,000 Unlimited Unlimited $500 $3,000 $250 $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $8,000 $250 $3,000 Citibank International - Elite Unlimited $100,000 Unlimited Unlimited Unlimited $30,000 $200 $3,500 Citibank International - Premium $50,000 $25,000 Unlimited Unlimited Unlimited $10,000 $200 $3,500 more Essentials - International $5,000 $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $200 more Travelsure - International $5,000 $20,000 Unlimited Unlimited Unlimited $6,000 $100 $2,500 Fastcover Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Fastcover Plan D - Comprehensive with Snow C Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Fastcover Plan E - Standard Unlimited $15,000 Unlimited Unlimited $500 $5,000 N/A $3,000 GIO Holiday Travel Insurance Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $25,000 Unlimited Unlimited $2,000 $3,000 $500 $600 Greater Building Society Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 HCF Insurance International Travel Plan Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $250 $6,000 HSBC Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan A - Comprehensive Unlimited $15,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan D - Snow Unlimited $15,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Kango L4 - Eastern Grey $12,500 N/A $12,500,000 $12,500,000 $1,000 $6,000 $500 $3,000 Kango L5 - Big Red $15,000 $50,000 Unlimited Unlimited $1,000 $7,500 $750 $3,000 multitrip.com.au International - Premier Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 $400 N/A nab Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 National Seniors International Basic $5,000 N/A Unlimited Unlimited $1,000 $5,000 $250 $4,000 National Seniors International Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 N/A TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 3

Single - International - Bali Fee Medical NRMA International Essentials Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $200 Onepath International Travel Unlimited $1,000 Unlimited Unlimited $2,000 $15,000 $200 $6,000 Online Travel Insurance Plan A - Comprehensive $25,000 $25,000 Unlimited Unlimited $1,000 $5,000 $250 $3,000 OUCH A Travel Plan Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 N/A $3,000 OUCH B Travel Plan Unlimited $18,000 Unlimited Unlimited Unlimited $15,000 N/A $2,000 OUCH Premier Plus Extras Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $200 $6,000 People's Choice Credit Union Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 QBE A Travel Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 N/A $3,000 QBE B Travel Unlimited $18,000 Unlimited Unlimited Unlimited $15,000 N/A $2,000 QBE C Travel Unlimited $10,000 Unlimited Unlimited Unlimited $15,000 N/A $1,000 QBE Premier Plus Extras Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $200 $6,000 RAC Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 RACQ Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 RACV Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 Simply Travel Insurance Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Ski Insurance Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 STA Travel Basic - International Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $1,000 STA Travel Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,500 STA Travel Essentials - International Unlimited $20,000 Unlimited Unlimited Unlimited $6,000 $100 $2,500 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Suresave Budget $5,000 N/A Unlimited Unlimited $1,000 $5,000 $250 $4,000 Suresave Comprehensive Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 $250 $4,000 Travel Insuranz Deluxe $10,000 $30,000 $10,000,000 $10,000,000 $1,000 $7,500 $600 $3,000 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 4

Single - International - Bali Fee Medical Virgin Australia Comprehensive Unlimited $25,000 Unlimited Unlimited $2,000 $5,000 $250 $3,000 Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $2,000 $5,000 N/A $3,000 Virgin Money Comprehensive - Plan A Unlimited $25,000 Unlimited Unlimited $500 $7,500 $400 $3,000 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $500 $3,000 N/A $3,000 Westpac Holiday Travel Insurance Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 World Nomads Explorer Unlimited $12,500 Unlimited Unlimited $500 $10,000 $250 $2,000 World Nomads Standard $3,500 N/A $5,000,000 $500,000 $500 $2,000 N/A $500 Australian Unity Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 BUPA International - Super Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 CGU Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 CGU Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 HBF Insurance Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 HBF Insurance Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 HBF Insurance Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 HCF Insurance Elements Plan $10,000 N/A $10,000,000 $10,000,000 10,000,00 $3,000 N/A $300 multitrip.com.au International - Premier $15,000 $20,000 Unlimited Unlimited $1,000 $7,500 $200 N/A People's Choice Credit Union Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 People's Choice Credit Union Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 RAC Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 RACQ Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 RACV Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 St.George Bank Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 5

Single - International - Bali Fee Medical St.George Bank Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 St.George Bank Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 Travellers Choice Basic - International Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $3,000 Australian Unity Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 Australian Unity Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 BUPA International - Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 BUPA International - Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 CGU Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 multitrip.com.au Elements $10,000 N/A $10,000 $10,000,000 $1,000 $3,000 N/A $300 multitrip.com.au International - Essentials $3,000 $10,000 $10,000,000 $10,000,000 $1,000 $2,000 N/A N/A TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 6

Single - International - Brazil Fee Medical 1 Direct Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Citibank International - Essential $25,000 $20,000 Unlimited Unlimited Unlimited $5,000 N/A $3,500 Downunder Insurance Plan C - Backpackers $2,500 $15,000 Unlimited Unlimited $750 $2,000 $500 $3,000 Good2Go Essentials Travel Insurance $10,000 N/A $5,000,000 $5,000,000 $500 $3,000 N/A $250 Insure and Go Gold Unlimited $50,000 Unlimited Unlimited $500 $8,000 $500 $3,000 OUCH A Travel Plan Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 N/A $3,000 Southern Cross Travel Insuranc World $50,000 $100,000 Unlimited Unlimited $750 $25,000 $500 $3,000 Travel Insurance Direct International Unlimited $25,000 Unlimited Unlimited $500 $12,000 $250 $4,000 Travel Insuranz Classic $2,500 N/A $10,000,000 $10,000,000 $500 $2,500 $125 $500 Travel Insuranz Premier $5,000 $10,000 $10,000,000 $10,000,000 $500 $3,500 $150 $500 Virgin Money Comprehensive - Plan A Unlimited $25,000 Unlimited Unlimited $500 $7,500 $400 $3,000 Worldcare Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $12,000 $250 $3,000 1300 Insurance Plan A Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 AAMI International Travel Unlimited $10,000 Unlimited Unlimited Unlimited $6,000 N/A $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $250 $3,000 Budget Direct Plan A - Platinum Unlimited $20,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Citibank International - Premium $50,000 $25,000 Unlimited Unlimited Unlimited $10,000 $200 $3,500 Downunder Insurance Plan A - Comprehensive $10,000 $30,000 Unlimited Unlimited $750 $5,000 $500 $3,000 Fastcover Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Fastcover Plan E - Standard Unlimited $15,000 Unlimited Unlimited $500 $5,000 N/A $3,000 Go Insurance Go Basic - International $15,000 $20,000 $10,000,000 $10,000,000 $750 $7,500 $250 $2,000 Go Insurance Go Plus - International $25,000 $25,000 $10,000,000 $10,000,000 $1,500 $10,000 $500 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 7

Single - International - Brazil Fee Medical Insure and Go Silver $15,000 $37,500 Unlimited Unlimited $500 $6,000 $250 $2,000 itrek Platinum Unlimited $15,000 Unlimited Unlimited $500 $5,000 $250 $3,000 My Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Priceline Protects International - Premium $10,000 $25,000 Unlimited Unlimited Unlimited $5,000 $200 $3,500 QBE A Travel Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 N/A $3,000 Real Insurance Comprehensive - International $12,000 $12,000 Unlimited Unlimited Unlimited $10,000 $250 $3,000 STA Travel Essentials - International Unlimited $20,000 Unlimited Unlimited Unlimited $6,000 $100 $2,500 Travel Insuranz Deluxe $10,000 $30,000 $10,000,000 $10,000,000 $1,000 $7,500 $600 $3,000 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $500 $3,000 N/A $3,000 Webjet Essentials - Plan B $5,000 $15,000 $5,000,000 $5,000,000 $1,000 $1,500 $250 $500 Woolworths Basic $5,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $3,000 Woolworths Comprehensive $12,000 $12,000 Unlimited Unlimited Unlimited $10,000 $250 $3,000 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 AIG Platinum (F12) Unlimited $25,000 Unlimited Unlimited $2,000 $15,000 $500 $3,000 Allianz Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 American Express Essentials -Single Trip International $10,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $1,500 ANZ International Unlimited N/A Unlimited Unlimited $2,000 $15,000 N/A $6,000 Australia Post International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $7,500 $250 $3,000 Australian Unity Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 Big Sky Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Budget Direct Plan B - Silver $10,000 N/A Unlimited Unlimited $500 $3,000 N/A $3,000 BUPA International - Super Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 8

Single - International - Brazil Fee Medical CGU Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 Citibank International - Elite Unlimited $100,000 Unlimited Unlimited Unlimited $30,000 $200 $3,500 Columbus Direct Premier $15,000 $75,000 $20,000,000 $20,000,000 $2,000 $7,500 $1,000 $3,000 Columbus Direct Standard $10,000 $50,000 $12,500,000 $12,500,000 $1,000 $6,000 $500 $3,000 more Essentials - International $5,000 $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $200 more Travelsure - International $5,000 $20,000 Unlimited Unlimited Unlimited $6,000 $100 $2,500 Fastcover Plan D - Comprehensive with Snow C Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 GIO Holiday Travel Insurance Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $25,000 Unlimited Unlimited $2,000 $3,000 $500 $600 Greater Building Society Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 HBF Insurance Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 HBF Insurance Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 HCF Insurance International Travel Plan Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $250 $6,000 HSBC Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan A - Comprehensive Unlimited $15,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan D - Snow Unlimited $15,000 Unlimited Unlimited $500 $7,500 $250 $3,000 itrek Gold $15,000 $15,000 Unlimited Unlimited $500 $5,000 N/A $3,000 Kango L2 - Rock Wallaby $10,000 N/A $5,000,000 $5,000,000 $500 $3,000 N/A $250 Kango L3 - Wallaby $12,500 N/A $5,000,000 $5,000,000 $500 $5,000 $250 $3,000 Kango L4 - Eastern Grey $12,500 N/A $12,500,000 $12,500,000 $1,000 $6,000 $500 $3,000 Kango L5 - Big Red $15,000 $50,000 Unlimited Unlimited $1,000 $7,500 $750 $3,000 Medibank International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $8,000 $250 $3,000 multitrip.com.au International - Premier Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 $400 N/A nab Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 9

Single - International - Brazil Fee Medical NRMA International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 NRMA International Essentials Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $200 Onepath International Travel Unlimited $1,000 Unlimited Unlimited $2,000 $15,000 $200 $6,000 Online Travel Insurance Plan A - Comprehensive $25,000 $25,000 Unlimited Unlimited $1,000 $5,000 $250 $3,000 OUCH Premier Plus Extras Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $200 $6,000 People's Choice Credit Union Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 People's Choice Credit Union Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 Priceline Protects International - Essential $5,000 N/A Unlimited Unlimited Unlimited $1,500 N/A $1,000 QBE Premier Plus Extras Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $200 $6,000 RAC Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 Real Insurance Basics - International $5,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $3,000 Simply Travel Insurance Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Ski Insurance Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 St.George Bank Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 STA Travel Basic - International Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $1,000 STA Travel Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,500 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Virgin Australia Comprehensive Unlimited $25,000 Unlimited Unlimited $2,000 $5,000 $250 $3,000 Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $2,000 $5,000 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $25,000 Unlimited Unlimited $1,000 $5,000 $250 $500 Westpac Holiday Travel Insurance Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 World Nomads Explorer Unlimited $12,500 Unlimited Unlimited $500 $10,000 $250 $2,000 World Nomads Standard $3,500 N/A $5,000,000 $500,000 $500 $2,000 N/A $500 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 10

Single - International - Brazil Fee Medical Aussie Travel Basic - Super Plus $3,000 $10,000 Unlimited Unlimited $500 $3,000 $250 $1,500 Aussie Travel Plan A - Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 $250 $4,000 Australian Unity Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 BUPA International - Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 CGU Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 CHI Travel Insurance Basic - International $3,000 $10,000 Unlimited Unlimited $500 $3,000 $250 $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $8,000 $250 $3,000 multitrip.com.au International - Premier $15,000 $20,000 Unlimited Unlimited $1,000 $7,500 $200 N/A National Seniors International Basic $5,000 N/A Unlimited Unlimited $1,000 $5,000 $250 $4,000 National Seniors International Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 N/A RAC Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 RACQ Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 RACV Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 St.George Bank Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 Suresave Comprehensive Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 $250 $4,000 Travellers Choice Basic - International Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $3,000 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 HCF Insurance Elements Plan $10,000 N/A $10,000,000 $10,000,000 10,000,00 $3,000 N/A $300 multitrip.com.au Elements $10,000 N/A $10,000 $10,000,000 $1,000 $3,000 N/A $300 multitrip.com.au International - Essentials $3,000 $10,000 $10,000,000 $10,000,000 $1,000 $2,000 N/A N/A RACQ Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 RACV Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 11

Single - International - Brazil Fee Medical Suresave Budget $5,000 N/A Unlimited Unlimited $1,000 $5,000 $250 $4,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 12

Single - International - China Fee Medical 1300 Insurance Plan A Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 1 Direct Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Good2Go Essentials Travel Insurance $10,000 N/A $5,000,000 $5,000,000 $500 $3,000 N/A $250 Insure and Go Gold Unlimited $50,000 Unlimited Unlimited $500 $8,000 $500 $3,000 Insure and Go Silver $15,000 $37,500 Unlimited Unlimited $500 $6,000 $250 $2,000 OUCH B Travel Plan Unlimited $18,000 Unlimited Unlimited Unlimited $15,000 N/A $2,000 Real Insurance Comprehensive - International $12,000 $12,000 Unlimited Unlimited Unlimited $10,000 $250 $3,000 Southern Cross Travel Insuranc World $50,000 $100,000 Unlimited Unlimited $750 $25,000 $500 $3,000 Travel Insurance Direct International Unlimited $25,000 Unlimited Unlimited $500 $12,000 $250 $4,000 Virgin Money Comprehensive - Plan A Unlimited $25,000 Unlimited Unlimited $500 $7,500 $400 $3,000 Woolworths Comprehensive $12,000 $12,000 Unlimited Unlimited Unlimited $10,000 $250 $3,000 Worldcare Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $12,000 $250 $3,000 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Australia Post International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $7,500 $250 $3,000 Citibank International - Essential $25,000 $20,000 Unlimited Unlimited Unlimited $5,000 N/A $3,500 Downunder Insurance Plan A - Comprehensive $10,000 $30,000 Unlimited Unlimited $750 $5,000 $500 $3,000 Downunder Insurance Plan C - Backpackers $2,500 $15,000 Unlimited Unlimited $750 $2,000 $500 $3,000 Fastcover Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Fastcover Plan E - Standard Unlimited $15,000 Unlimited Unlimited $500 $5,000 N/A $3,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $25,000 Unlimited Unlimited $2,000 $3,000 $500 $600 Kango L2 - Rock Wallaby $10,000 N/A $5,000,000 $5,000,000 $500 $3,000 N/A $250 Kango L3 - Wallaby $12,500 N/A $5,000,000 $5,000,000 $500 $5,000 $250 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 13

Single - International - China Fee Medical Medibank International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $8,000 $250 $3,000 NRMA International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 NRMA International Essentials Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $200 Online Travel Insurance Plan A - Comprehensive $25,000 $25,000 Unlimited Unlimited $1,000 $5,000 $250 $3,000 OUCH A Travel Plan Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 N/A $3,000 Priceline Protects International - Premium $10,000 $25,000 Unlimited Unlimited Unlimited $5,000 $200 $3,500 QBE B Travel Unlimited $18,000 Unlimited Unlimited Unlimited $15,000 N/A $2,000 Real Insurance Basics - International $5,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $3,000 Travel Insuranz Classic $2,500 N/A $10,000,000 $10,000,000 $500 $2,500 $125 $500 Virgin Australia Comprehensive Unlimited $25,000 Unlimited Unlimited $2,000 $5,000 $250 $3,000 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $500 $3,000 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $25,000 Unlimited Unlimited $1,000 $5,000 $250 $500 Webjet Essentials - Plan B $5,000 $15,000 $5,000,000 $5,000,000 $1,000 $1,500 $250 $500 Woolworths Basic $5,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $3,000 AAMI International Travel Unlimited $10,000 Unlimited Unlimited Unlimited $6,000 N/A $3,000 AIG Silver (D12) Unlimited $25,000 Unlimited Unlimited $2,000 $15,000 $500 $3,000 Allianz Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $250 $3,000 American Express Essentials -Single Trip International $10,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $1,500 ANZ International Unlimited N/A Unlimited Unlimited $2,000 $15,000 N/A $6,000 Aussie Travel Basic - Standard $3,000 $10,000 Unlimited Unlimited $500 $3,000 $250 $1,500 Big Sky Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 14

Single - International - China Fee Medical Budget Direct Plan A - Platinum Unlimited $20,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Budget Direct Plan B - Silver $10,000 N/A Unlimited Unlimited $500 $3,000 N/A $3,000 CGU Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 CHI Travel Insurance Basic - International $3,000 $10,000 Unlimited Unlimited $500 $3,000 $250 $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $8,000 $250 $3,000 Citibank International - Elite Unlimited $100,000 Unlimited Unlimited Unlimited $30,000 $200 $3,500 Citibank International - Premium $50,000 $25,000 Unlimited Unlimited Unlimited $10,000 $200 $3,500 Columbus Direct Premier $15,000 $75,000 $20,000,000 $20,000,000 $2,000 $7,500 $1,000 $3,000 Columbus Direct Standard $10,000 $50,000 $12,500,000 $12,500,000 $1,000 $6,000 $500 $3,000 more Essentials - International $5,000 $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $200 more Travelsure - International $5,000 $20,000 Unlimited Unlimited Unlimited $6,000 $100 $2,500 Fastcover Plan D - Comprehensive with Snow C Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 GIO Holiday Travel Insurance Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Go Insurance Go Basic - International $15,000 $20,000 $10,000,000 $10,000,000 $750 $7,500 $250 $2,000 Go Insurance Go Plus - International $25,000 $25,000 $10,000,000 $10,000,000 $1,500 $10,000 $500 $3,000 Greater Building Society Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 HBF Insurance Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 HCF Insurance Elements Plan $10,000 N/A $10,000,000 $10,000,000 10,000,00 $3,000 N/A $300 HCF Insurance International Travel Plan Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $250 $6,000 HSBC Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan A - Comprehensive Unlimited $15,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan D - Snow Unlimited $15,000 Unlimited Unlimited $500 $7,500 $250 $3,000 itrek Gold $15,000 $15,000 Unlimited Unlimited $500 $5,000 N/A $3,000 itrek Platinum Unlimited $15,000 Unlimited Unlimited $500 $5,000 $250 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 15

Single - International - China Fee Medical Kango L4 - Eastern Grey $12,500 N/A $12,500,000 $12,500,000 $1,000 $6,000 $500 $3,000 Kango L5 - Big Red $15,000 $50,000 Unlimited Unlimited $1,000 $7,500 $750 $3,000 multitrip.com.au International - Premier Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 $400 N/A My Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 nab Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 National Seniors International Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 N/A Onepath International Travel Unlimited $1,000 Unlimited Unlimited $2,000 $15,000 $200 $6,000 OUCH Premier Plus Extras Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $200 $6,000 People's Choice Credit Union Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 People's Choice Credit Union Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 Priceline Protects International - Essential $5,000 N/A Unlimited Unlimited Unlimited $1,500 N/A $1,000 QBE A Travel Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 N/A $3,000 QBE Premier Plus Extras Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $200 $6,000 RAC Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 RACQ Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 RACV Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 Simply Travel Insurance Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Ski Insurance Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 St.George Bank Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 STA Travel Basic - International Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $1,000 STA Travel Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,500 STA Travel Essentials - International Unlimited $20,000 Unlimited Unlimited Unlimited $6,000 $100 $2,500 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Travel Insuranz Deluxe $10,000 $30,000 $10,000,000 $10,000,000 $1,000 $7,500 $600 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 16

Single - International - China Fee Medical Travel Insuranz Premier $5,000 $10,000 $10,000,000 $10,000,000 $500 $3,500 $150 $500 Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $2,000 $5,000 N/A $3,000 Westpac Holiday Travel Insurance Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 World Nomads Explorer Unlimited $12,500 Unlimited Unlimited $500 $10,000 $250 $2,000 World Nomads Standard $3,500 N/A $5,000,000 $500,000 $500 $2,000 N/A $500 Aussie Travel Plan A - Standard Unlimited $15,000 Unlimited Unlimited $1,000 $5,000 $250 $4,000 Australian Unity Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 Australian Unity Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 BUPA International - Super Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 CGU Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 CGU Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 HBF Insurance Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 HBF Insurance Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 multitrip.com.au Elements $10,000 N/A $10,000 $10,000,000 $1,000 $3,000 N/A $300 multitrip.com.au International - Premier $15,000 $20,000 Unlimited Unlimited $1,000 $7,500 $200 N/A National Seniors International Basic $5,000 N/A Unlimited Unlimited $1,000 $5,000 $250 $4,000 People's Choice Credit Union Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 RAC Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 St.George Bank Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 St.George Bank Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 Suresave Budget $5,000 N/A Unlimited Unlimited $1,000 $5,000 $250 $4,000 Suresave Comprehensive Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 $250 $4,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 17

Single - International - China Fee Medical Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 Australian Unity Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 BUPA International - Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 BUPA International - Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 multitrip.com.au International - Essentials $3,000 $10,000 $10,000,000 $10,000,000 $1,000 $2,000 N/A N/A RACQ Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 RACV Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 Travellers Choice Basic - International Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 18

Single - International - Fiji Fee Medical 1 Direct Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $250 $3,000 Downunder Insurance Plan C - Backpackers $2,500 $15,000 Unlimited Unlimited $750 $2,000 $500 $3,000 Good2Go Essentials Travel Insurance $10,000 N/A $5,000,000 $5,000,000 $500 $3,000 N/A $250 Insure and Go Gold Unlimited $50,000 Unlimited Unlimited $500 $8,000 $500 $3,000 Insure and Go Silver $15,000 $37,500 Unlimited Unlimited $500 $6,000 $250 $2,000 Kango L2 - Rock Wallaby $10,000 N/A $5,000,000 $5,000,000 $500 $3,000 N/A $250 Real Insurance Basics - International $5,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $3,000 Real Insurance Comprehensive - International $12,000 $12,000 Unlimited Unlimited Unlimited $10,000 $250 $3,000 Southern Cross Travel Insuranc New Zealand / South Pacific $50,000 $100,000 Unlimited Unlimited $750 $25,000 $500 $3,000 Travel Insurance Direct International Unlimited $25,000 Unlimited Unlimited $500 $12,000 $250 $4,000 Travel Insuranz Classic $2,500 N/A $10,000,000 $10,000,000 $500 $2,500 $125 $500 Worldcare Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $12,000 $250 $3,000 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 1300 Insurance Plan A Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 American Express Essentials -Single Trip International $10,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $1,500 Australia Post International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $7,500 $250 $3,000 Budget Direct Plan A - Platinum Unlimited $20,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Budget Direct Plan B - Silver $10,000 N/A Unlimited Unlimited $500 $3,000 N/A $3,000 Columbus Direct Premier $15,000 $75,000 $20,000,000 $20,000,000 $2,000 $7,500 $1,000 $3,000 Columbus Direct Standard $10,000 $50,000 $12,500,000 $12,500,000 $1,000 $6,000 $500 $3,000 Downunder Insurance Plan A - Comprehensive $10,000 $30,000 Unlimited Unlimited $750 $5,000 $500 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 19

Single - International - Fiji Fee Medical Fastcover Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Fastcover Plan E - Standard Unlimited $15,000 Unlimited Unlimited $500 $5,000 N/A $3,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $25,000 Unlimited Unlimited $2,000 $3,000 $500 $600 itrek Platinum Unlimited $15,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Kango L3 - Wallaby $12,500 N/A $5,000,000 $5,000,000 $500 $5,000 $250 $3,000 Medibank International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $8,000 $250 $3,000 NRMA International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 NRMA International Essentials Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $200 Online Travel Insurance Plan A - Comprehensive $25,000 $25,000 Unlimited Unlimited $1,000 $5,000 $250 $3,000 OUCH C Travel Plan Unlimited $10,000 Unlimited Unlimited Unlimited $15,000 N/A $1,000 Simply Travel Insurance Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Travel Insuranz Deluxe $10,000 $30,000 $10,000,000 $10,000,000 $1,000 $7,500 $600 $3,000 Travel Insuranz Premier $5,000 $10,000 $10,000,000 $10,000,000 $500 $3,500 $150 $500 Virgin Australia Comprehensive Unlimited $25,000 Unlimited Unlimited $2,000 $5,000 $250 $3,000 Virgin Money Comprehensive - Plan A Unlimited $25,000 Unlimited Unlimited $500 $7,500 $400 $3,000 Webjet Comprehensive - Plan A Unlimited $25,000 Unlimited Unlimited $1,000 $5,000 $250 $500 Webjet Essentials - Plan B $5,000 $15,000 $5,000,000 $5,000,000 $1,000 $1,500 $250 $500 AAMI International Travel Unlimited $10,000 Unlimited Unlimited Unlimited $6,000 N/A $3,000 AIG Bronze (E12) Unlimited $25,000 Unlimited Unlimited $2,000 $15,000 $500 $3,000 Allianz Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 ANZ International Unlimited N/A Unlimited Unlimited $2,000 $15,000 N/A $6,000 Aussie Travel Basic - NZ/Indonesia/Fiji $3,000 $10,000 Unlimited Unlimited $500 $3,000 $250 $1,500 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 20

Single - International - Fiji Fee Medical Aussie Travel Plan A - NZ/Indonesia/Fiji Unlimited $10,000 Unlimited Unlimited $1,000 $3,000 $250 $3,000 Australian Unity Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 Big Sky Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 BUPA International - Super Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 CGU Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 CHI Travel Insurance Basic - International $3,000 $10,000 Unlimited Unlimited $500 $3,000 $250 $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $8,000 $250 $3,000 Citibank International - Elite Unlimited $100,000 Unlimited Unlimited Unlimited $30,000 $200 $3,500 Citibank International - Essential $25,000 $20,000 Unlimited Unlimited Unlimited $5,000 N/A $3,500 Citibank International - Premium $50,000 $25,000 Unlimited Unlimited Unlimited $10,000 $200 $3,500 more Travelsure - International $5,000 $20,000 Unlimited Unlimited Unlimited $6,000 $100 $2,500 Fastcover Plan D - Comprehensive with Snow C Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 GIO Holiday Travel Insurance Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Go Insurance Go Basic - International $15,000 $20,000 $10,000,000 $10,000,000 $750 $7,500 $250 $2,000 Go Insurance Go Plus - International $25,000 $25,000 $10,000,000 $10,000,000 $1,500 $10,000 $500 $3,000 Greater Building Society Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 HCF Insurance Elements Plan $10,000 N/A $10,000,000 $10,000,000 10,000,00 $3,000 N/A $300 HCF Insurance International Travel Plan Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $250 $6,000 HSBC Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan A - Comprehensive Unlimited $15,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan D - Snow Unlimited $15,000 Unlimited Unlimited $500 $7,500 $250 $3,000 itrek Gold $15,000 $15,000 Unlimited Unlimited $500 $5,000 N/A $3,000 Kango L4 - Eastern Grey $12,500 N/A $12,500,000 $12,500,000 $1,000 $6,000 $500 $3,000 Kango L5 - Big Red $15,000 $50,000 Unlimited Unlimited $1,000 $7,500 $750 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 21

Single - International - Fiji Fee Medical multitrip.com.au Elements $10,000 N/A $10,000 $10,000,000 $1,000 $3,000 N/A $300 multitrip.com.au International - Premier Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 $400 N/A My Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 nab Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 National Seniors International Basic $5,000 N/A Unlimited Unlimited $1,000 $5,000 $250 $4,000 National Seniors International Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 N/A Onepath International Travel Unlimited $1,000 Unlimited Unlimited $2,000 $15,000 $200 $6,000 OUCH A Travel Plan Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 N/A $3,000 OUCH B Travel Plan Unlimited $18,000 Unlimited Unlimited Unlimited $15,000 N/A $2,000 OUCH Premier Plus Extras Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $200 $6,000 People's Choice Credit Union Economy Unlimited $10,000 $100,000 $100,000 $1,000 $3,500 N/A $500 People's Choice Credit Union Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 People's Choice Credit Union Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 Priceline Protects International - Essential $5,000 N/A Unlimited Unlimited Unlimited $1,500 N/A $1,000 Priceline Protects International - Premium $10,000 $25,000 Unlimited Unlimited Unlimited $5,000 $200 $3,500 QBE A Travel Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 N/A $3,000 QBE B Travel Unlimited $18,000 Unlimited Unlimited Unlimited $15,000 N/A $2,000 QBE C Travel Unlimited $10,000 Unlimited Unlimited Unlimited $15,000 N/A $1,000 QBE Premier Plus Extras Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $200 $6,000 RAC Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 RACQ Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 RACV Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 Ski Insurance Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 St.George Bank Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 22

Single - International - Fiji Fee Medical STA Travel Basic - International Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $1,000 STA Travel Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,500 STA Travel Essentials - International Unlimited $20,000 Unlimited Unlimited Unlimited $6,000 $100 $2,500 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Suresave Budget $5,000 N/A Unlimited Unlimited $1,000 $5,000 $250 $4,000 Suresave Comprehensive Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 $250 $4,000 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $2,000 $5,000 N/A $3,000 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $500 $3,000 N/A $3,000 Westpac Holiday Travel Insurance Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Woolworths Basic $5,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $3,000 Woolworths Comprehensive $12,000 $12,000 Unlimited Unlimited Unlimited $10,000 $250 $3,000 Australian Unity Economy Unlimited $10,000 $100,000 $100,000 $1,000 $3,500 N/A $500 Australian Unity Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 BUPA International - Economy Unlimited $10,000 $100,000 $100,000 $1,000 $3,500 N/A $500 BUPA International - Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 CGU Economy Unlimited $10,000 $100,000 $100,000 $1,000 $3,500 N/A $500 CGU Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 CGU Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 more Essentials - International $5,000 $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $200 HBF Insurance Economy Unlimited $10,000 $100,000 $100,000 $1,000 $3,500 N/A $500 HBF Insurance Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 23

Single - International - Fiji Fee Medical HBF Insurance Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 HBF Insurance Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 People's Choice Credit Union Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 RACQ Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 RACV Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 St.George Bank Economy Unlimited $10,000 $100,000 $100,000 $1,000 $3,500 N/A $500 St.George Bank Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 St.George Bank Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 World Nomads Explorer Unlimited $12,500 Unlimited Unlimited $500 $10,000 $250 $2,000 Australian Unity Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 BUPA International - Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 multitrip.com.au International - Essentials $3,000 $10,000 $10,000,000 $10,000,000 $1,000 $2,000 N/A N/A multitrip.com.au International - Premier $15,000 $20,000 Unlimited Unlimited $1,000 $7,500 $200 N/A RAC Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 Travellers Choice Basic - International Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $3,000 World Nomads Standard $3,500 N/A $5,000,000 $500,000 $500 $2,000 N/A $500 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 24

Single - International - France Fee Medical 1 Direct Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Citibank International - Essential $25,000 $20,000 Unlimited Unlimited Unlimited $5,000 N/A $3,500 Downunder Insurance Plan C - Backpackers $2,500 $15,000 Unlimited Unlimited $750 $2,000 $500 $3,000 Good2Go Essentials Travel Insurance $10,000 N/A $5,000,000 $5,000,000 $500 $3,000 N/A $250 Insure and Go Gold Unlimited $50,000 Unlimited Unlimited $500 $8,000 $500 $3,000 Online Travel Insurance Plan A - Comprehensive $25,000 $25,000 Unlimited Unlimited $1,000 $5,000 $250 $3,000 Southern Cross Travel Insuranc World $50,000 $100,000 Unlimited Unlimited $750 $25,000 $500 $3,000 Travel Insurance Direct International Unlimited $25,000 Unlimited Unlimited $500 $12,000 $250 $4,000 Travel Insuranz Classic $2,500 N/A $10,000,000 $10,000,000 $500 $2,500 $125 $500 Virgin Money Comprehensive - Plan A Unlimited $25,000 Unlimited Unlimited $500 $7,500 $400 $3,000 Worldcare Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $12,000 $250 $3,000 1300 Insurance Plan A Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Allianz Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Australia Post International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $7,500 $250 $3,000 Budget Direct Plan A - Platinum Unlimited $20,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Budget Direct Plan B - Silver $10,000 N/A Unlimited Unlimited $500 $3,000 N/A $3,000 Downunder Insurance Plan A - Comprehensive $10,000 $30,000 Unlimited Unlimited $750 $5,000 $500 $3,000 Fastcover Plan E - Standard Unlimited $15,000 Unlimited Unlimited $500 $5,000 N/A $3,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $25,000 Unlimited Unlimited $2,000 $3,000 $500 $600 Insure and Go Silver $15,000 $37,500 Unlimited Unlimited $500 $6,000 $250 $2,000 itrek Platinum Unlimited $15,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Kango L2 - Rock Wallaby $10,000 N/A $5,000,000 $5,000,000 $500 $3,000 N/A $250 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 25

Single - International - France Fee Medical Medibank International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $8,000 $250 $3,000 My Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 NRMA International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 NRMA International Essentials Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $200 OUCH A Travel Plan Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 N/A $3,000 Priceline Protects International - Premium $10,000 $25,000 Unlimited Unlimited Unlimited $5,000 $200 $3,500 Real Insurance Comprehensive - International $12,000 $12,000 Unlimited Unlimited Unlimited $10,000 $250 $3,000 Simply Travel Insurance Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $500 $3,000 N/A $3,000 Webjet Essentials - Plan B $5,000 $15,000 $5,000,000 $5,000,000 $1,000 $1,500 $250 $500 Woolworths Comprehensive $12,000 $12,000 Unlimited Unlimited Unlimited $10,000 $250 $3,000 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 AAMI International Travel Unlimited $10,000 Unlimited Unlimited Unlimited $6,000 N/A $3,000 AIG Gold (C12) Unlimited $25,000 Unlimited Unlimited $2,000 $15,000 $500 $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $250 $3,000 American Express Essentials -Single Trip International $10,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $1,500 ANZ International Unlimited N/A Unlimited Unlimited $2,000 $15,000 N/A $6,000 Aussie Travel Basic - Super $3,000 $10,000 Unlimited Unlimited $500 $3,000 $250 $1,500 Australian Unity Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 Big Sky Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 CGU Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 Citibank International - Elite Unlimited $100,000 Unlimited Unlimited Unlimited $30,000 $200 $3,500 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 26

Single - International - France Fee Medical Citibank International - Premium $50,000 $25,000 Unlimited Unlimited Unlimited $10,000 $200 $3,500 Columbus Direct Premier $15,000 $75,000 $20,000,000 $20,000,000 $2,000 $7,500 $1,000 $3,000 Columbus Direct Standard $10,000 $50,000 $12,500,000 $12,500,000 $1,000 $6,000 $500 $3,000 more Essentials - International $5,000 $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $200 more Travelsure - International $5,000 $20,000 Unlimited Unlimited Unlimited $6,000 $100 $2,500 Fastcover Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Fastcover Plan D - Comprehensive with Snow C Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 GIO Holiday Travel Insurance Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Go Insurance Go Basic - International $15,000 $20,000 $10,000,000 $10,000,000 $750 $7,500 $250 $2,000 Go Insurance Go Plus - International $25,000 $25,000 $10,000,000 $10,000,000 $1,500 $10,000 $500 $3,000 Greater Building Society Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 HBF Insurance Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 HCF Insurance International Travel Plan Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $250 $6,000 HSBC Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan A - Comprehensive Unlimited $15,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan D - Snow Unlimited $15,000 Unlimited Unlimited $500 $7,500 $250 $3,000 itrek Gold $15,000 $15,000 Unlimited Unlimited $500 $5,000 N/A $3,000 Kango L3 - Wallaby $12,500 N/A $5,000,000 $5,000,000 $500 $5,000 $250 $3,000 Kango L4 - Eastern Grey $12,500 N/A $12,500,000 $12,500,000 $1,000 $6,000 $500 $3,000 Kango L5 - Big Red $15,000 $50,000 Unlimited Unlimited $1,000 $7,500 $750 $3,000 multitrip.com.au International - Premier Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 $400 N/A nab Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 National Seniors International Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 N/A Onepath International Travel Unlimited $1,000 Unlimited Unlimited $2,000 $15,000 $200 $6,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 27

Single - International - France Fee Medical OUCH Premier Plus Extras Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $200 $6,000 People's Choice Credit Union Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 Priceline Protects International - Essential $5,000 N/A Unlimited Unlimited Unlimited $1,500 N/A $1,000 QBE A Travel Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 N/A $3,000 QBE Premier Plus Extras Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $200 $6,000 RAC Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 RACQ Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 Real Insurance Basics - International $5,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $3,000 Ski Insurance Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 St.George Bank Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 STA Travel Basic - International Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $1,000 STA Travel Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,500 STA Travel Essentials - International Unlimited $20,000 Unlimited Unlimited Unlimited $6,000 $100 $2,500 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Travel Insuranz Deluxe $10,000 $30,000 $10,000,000 $10,000,000 $1,000 $7,500 $600 $3,000 Travel Insuranz Premier $5,000 $10,000 $10,000,000 $10,000,000 $500 $3,500 $150 $500 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 Virgin Australia Comprehensive Unlimited $25,000 Unlimited Unlimited $2,000 $5,000 $250 $3,000 Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $2,000 $5,000 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $25,000 Unlimited Unlimited $1,000 $5,000 $250 $500 Westpac Holiday Travel Insurance Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Woolworths Basic $5,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $3,000 World Nomads Explorer Unlimited $12,500 Unlimited Unlimited $500 $10,000 $250 $2,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 28

Single - International - France Fee Medical Aussie Travel Plan A - Super Unlimited $25,000 Unlimited Unlimited $1,000 $8,000 $250 $4,000 Australian Unity Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 BUPA International - Super Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 CGU Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 CHI Travel Insurance Basic - International $3,000 $10,000 Unlimited Unlimited $500 $3,000 $250 $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $8,000 $250 $3,000 HBF Insurance Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 HCF Insurance Elements Plan $10,000 N/A $10,000,000 $10,000,000 10,000,00 $3,000 N/A $300 multitrip.com.au International - Premier $15,000 $20,000 Unlimited Unlimited $1,000 $7,500 $200 N/A National Seniors International Basic $5,000 N/A Unlimited Unlimited $1,000 $5,000 $250 $4,000 People's Choice Credit Union Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 RAC Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 RACV Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 St.George Bank Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 Suresave Comprehensive Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 $250 $4,000 Travellers Choice Basic - International Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $3,000 World Nomads Standard $3,500 N/A $5,000,000 $500,000 $500 $2,000 N/A $500 BUPA International - Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 multitrip.com.au Elements $10,000 N/A $10,000 $10,000,000 $1,000 $3,000 N/A $300 multitrip.com.au International - Essentials $3,000 $10,000 $10,000,000 $10,000,000 $1,000 $2,000 N/A N/A RACQ Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 RACV Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 29

Single - International - France Fee Medical Suresave Budget $5,000 N/A Unlimited Unlimited $1,000 $5,000 $250 $4,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 30

Single - International - Japan Fee Medical 1300 Insurance Plan A Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Citibank International - Essential $25,000 $20,000 Unlimited Unlimited Unlimited $5,000 N/A $3,500 Insure and Go Gold Unlimited $50,000 Unlimited Unlimited $500 $8,000 $500 $3,000 Insure and Go Silver $15,000 $37,500 Unlimited Unlimited $500 $6,000 $250 $2,000 Real Insurance Comprehensive - International $12,000 $12,000 Unlimited Unlimited Unlimited $10,000 $250 $3,000 Travel Insurance Direct International Unlimited $25,000 Unlimited Unlimited $500 $12,000 $250 $4,000 Travel Insuranz Classic $2,500 N/A $10,000,000 $10,000,000 $500 $2,500 $125 $500 Woolworths Basic $5,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $3,000 Woolworths Comprehensive $12,000 $12,000 Unlimited Unlimited Unlimited $10,000 $250 $3,000 Worldcare Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $12,000 $250 $3,000 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 1 Direct Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Australia Post International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $7,500 $250 $3,000 Citibank International - Premium $50,000 $25,000 Unlimited Unlimited Unlimited $10,000 $200 $3,500 Downunder Insurance Plan C - Backpackers $2,500 $15,000 Unlimited Unlimited $750 $2,000 $500 $3,000 Good2Go Essentials Travel Insurance $10,000 N/A $5,000,000 $5,000,000 $500 $3,000 N/A $250 Medibank International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $8,000 $250 $3,000 My Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 NRMA International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 NRMA International Essentials Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $200 Online Travel Insurance Plan A - Comprehensive $25,000 $25,000 Unlimited Unlimited $1,000 $5,000 $250 $3,000 OUCH A Travel Plan Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 31

Single - International - Japan Fee Medical Priceline Protects International - Premium $10,000 $25,000 Unlimited Unlimited Unlimited $5,000 $200 $3,500 QBE A Travel Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 N/A $3,000 Real Insurance Basics - International $5,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $3,000 Simply Travel Insurance Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Southern Cross Travel Insuranc Superworld $50,000 $100,000 Unlimited Unlimited $750 $25,000 $500 $3,000 Travel Insuranz Premier $5,000 $10,000 $10,000,000 $10,000,000 $500 $3,500 $150 $500 Virgin Australia Comprehensive Unlimited $25,000 Unlimited Unlimited $2,000 $5,000 $250 $3,000 Virgin Money Comprehensive - Plan A Unlimited $25,000 Unlimited Unlimited $500 $7,500 $400 $3,000 World Nomads Explorer Unlimited $12,500 Unlimited Unlimited $500 $10,000 $250 $2,000 World Nomads Standard $3,500 N/A $5,000,000 $500,000 $500 $2,000 N/A $500 AAMI International Travel Unlimited $10,000 Unlimited Unlimited Unlimited $6,000 N/A $3,000 AIG Gold (C12) Unlimited $25,000 Unlimited Unlimited $2,000 $15,000 $500 $3,000 Allianz Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $250 $3,000 American Express Essentials -Single Trip International $10,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $1,500 ANZ International Unlimited N/A Unlimited Unlimited $2,000 $15,000 N/A $6,000 Aussie Travel Basic - Super $3,000 $10,000 Unlimited Unlimited $500 $3,000 $250 $1,500 Big Sky Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Budget Direct Plan A - Platinum Unlimited $20,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Budget Direct Plan B - Silver $10,000 N/A Unlimited Unlimited $500 $3,000 N/A $3,000 Citibank International - Elite Unlimited $100,000 Unlimited Unlimited Unlimited $30,000 $200 $3,500 Columbus Direct Premier $15,000 $75,000 $20,000,000 $20,000,000 $2,000 $7,500 $1,000 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 32

Single - International - Japan Fee Medical Columbus Direct Standard $10,000 $50,000 $12,500,000 $12,500,000 $1,000 $6,000 $500 $3,000 more Essentials - International $5,000 $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $200 more Travelsure - International $5,000 $20,000 Unlimited Unlimited Unlimited $6,000 $100 $2,500 Downunder Insurance Plan A - Comprehensive $10,000 $30,000 Unlimited Unlimited $750 $5,000 $500 $3,000 Fastcover Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Fastcover Plan D - Comprehensive with Snow C Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Fastcover Plan E - Standard Unlimited $15,000 Unlimited Unlimited $500 $5,000 N/A $3,000 GIO Holiday Travel Insurance Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Go Insurance Go Basic - International $15,000 $20,000 $10,000,000 $10,000,000 $750 $7,500 $250 $2,000 Go Insurance Go Plus - International $25,000 $25,000 $10,000,000 $10,000,000 $1,500 $10,000 $500 $3,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $25,000 Unlimited Unlimited $2,000 $3,000 $500 $600 Greater Building Society Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 HCF Insurance Elements Plan $10,000 N/A $10,000,000 $10,000,000 10,000,00 $3,000 N/A $300 HCF Insurance International Travel Plan Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $250 $6,000 HSBC Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan A - Comprehensive Unlimited $15,000 Unlimited Unlimited $500 $7,500 $250 $3,000 itrek Gold $15,000 $15,000 Unlimited Unlimited $500 $5,000 N/A $3,000 itrek Platinum Unlimited $15,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Kango L2 - Rock Wallaby $10,000 N/A $5,000,000 $5,000,000 $500 $3,000 N/A $250 Kango L3 - Wallaby $12,500 N/A $5,000,000 $5,000,000 $500 $5,000 $250 $3,000 Kango L4 - Eastern Grey $12,500 N/A $12,500,000 $12,500,000 $1,000 $6,000 $500 $3,000 Kango L5 - Big Red $15,000 $50,000 Unlimited Unlimited $1,000 $7,500 $750 $3,000 multitrip.com.au Elements $10,000 N/A $10,000 $10,000,000 $1,000 $3,000 N/A $300 multitrip.com.au International - Premier Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 $400 N/A TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 33

Single - International - Japan Fee Medical nab Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 National Seniors International Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 N/A Onepath International Travel Unlimited $1,000 Unlimited Unlimited $2,000 $15,000 $200 $6,000 OUCH Premier Plus Extras Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $200 $6,000 Priceline Protects International - Essential $5,000 N/A Unlimited Unlimited Unlimited $1,500 N/A $1,000 QBE Premier Plus Extras Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $200 $6,000 RAC Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 RACQ Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 RACV Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 STA Travel Basic - International Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $1,000 STA Travel Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,500 STA Travel Essentials - International Unlimited $20,000 Unlimited Unlimited Unlimited $6,000 $100 $2,500 Suresave Comprehensive Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 $250 $4,000 Travel Insuranz Deluxe $10,000 $30,000 $10,000,000 $10,000,000 $1,000 $7,500 $600 $3,000 Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $2,000 $5,000 N/A $3,000 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $500 $3,000 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $25,000 Unlimited Unlimited $1,000 $5,000 $250 $500 Webjet Essentials - Plan B $5,000 $15,000 $5,000,000 $5,000,000 $1,000 $1,500 $250 $500 Aussie Travel Plan A - Super Unlimited $25,000 Unlimited Unlimited $1,000 $8,000 $250 $4,000 CGU Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 CHI Travel Insurance Basic - International $3,000 $10,000 Unlimited Unlimited $500 $3,000 $250 $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $8,000 $250 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 34

Single - International - Japan Fee Medical HBF Insurance Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 Hume Building Society Plan D - Snow Unlimited $15,000 Unlimited Unlimited $500 $7,500 $250 $3,000 multitrip.com.au International - Premier $15,000 $20,000 Unlimited Unlimited $1,000 $7,500 $200 N/A National Seniors International Basic $5,000 N/A Unlimited Unlimited $1,000 $5,000 $250 $4,000 People's Choice Credit Union Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 RAC Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 Ski Insurance Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 St.George Bank Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Suresave Budget $5,000 N/A Unlimited Unlimited $1,000 $5,000 $250 $4,000 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 Westpac Holiday Travel Insurance Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Australian Unity Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 BUPA International - Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 multitrip.com.au International - Essentials $3,000 $10,000 $10,000,000 $10,000,000 $1,000 $2,000 N/A N/A RACQ Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 RACV Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 Travellers Choice Basic - International Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 35

Single - International - New Zealand Fee Medical 1 Direct Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $250 $3,000 Downunder Insurance Plan C - Backpackers $2,500 $15,000 Unlimited Unlimited $750 $2,000 $500 $3,000 Good2Go Essentials Travel Insurance $10,000 N/A $5,000,000 $5,000,000 $500 $3,000 N/A $250 Insure and Go Gold Unlimited $50,000 Unlimited Unlimited $500 $8,000 $500 $3,000 Insure and Go Silver $15,000 $37,500 Unlimited Unlimited $500 $6,000 $250 $2,000 Kango L2 - Rock Wallaby $10,000 N/A $5,000,000 $5,000,000 $500 $3,000 N/A $250 Online Travel Insurance Plan A - Comprehensive $25,000 $25,000 Unlimited Unlimited $1,000 $5,000 $250 $3,000 Real Insurance Comprehensive - International $12,000 $12,000 Unlimited Unlimited Unlimited $10,000 $250 $3,000 Southern Cross Travel Insuranc New Zealand / South Pacific $50,000 $100,000 Unlimited Unlimited $750 $25,000 $500 $3,000 Travel Insurance Direct International Unlimited $25,000 Unlimited Unlimited $500 $12,000 $250 $4,000 Virgin Money Comprehensive - Plan A Unlimited $25,000 Unlimited Unlimited $500 $7,500 $400 $3,000 Worldcare Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $12,000 $250 $3,000 1300 Insurance Plan A Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 American Express Essentials -Single Trip International $10,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $1,500 Budget Direct Plan A - Platinum Unlimited $20,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Budget Direct Plan B - Silver $10,000 N/A Unlimited Unlimited $500 $3,000 N/A $3,000 Columbus Direct Premier $15,000 $75,000 $20,000,000 $20,000,000 $2,000 $7,500 $1,000 $3,000 Columbus Direct Standard $10,000 $50,000 $12,500,000 $12,500,000 $1,000 $6,000 $500 $3,000 Downunder Insurance Plan A - Comprehensive $10,000 $30,000 Unlimited Unlimited $750 $5,000 $500 $3,000 Fastcover Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Fastcover Plan E - Standard Unlimited $15,000 Unlimited Unlimited $500 $5,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 36

Single - International - New Zealand Fee Medical Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $25,000 Unlimited Unlimited $2,000 $3,000 $500 $600 HCF Insurance International Travel Plan Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $250 $6,000 itrek Platinum Unlimited $15,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Kango L3 - Wallaby $12,500 N/A $5,000,000 $5,000,000 $500 $5,000 $250 $3,000 Medibank International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $8,000 $250 $3,000 NRMA International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 OUCH C Travel Plan Unlimited $10,000 Unlimited Unlimited Unlimited $15,000 N/A $1,000 Real Insurance Basics - International $5,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $3,000 Simply Travel Insurance Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Travel Insuranz Classic $2,500 N/A $10,000,000 $10,000,000 $500 $2,500 $125 $500 Travel Insuranz Deluxe $10,000 $30,000 $10,000,000 $10,000,000 $1,000 $7,500 $600 $3,000 Travel Insuranz Premier $5,000 $10,000 $10,000,000 $10,000,000 $500 $3,500 $150 $500 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $500 $3,000 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $25,000 Unlimited Unlimited $1,000 $5,000 $250 $500 Webjet Essentials - Plan B $5,000 $15,000 $5,000,000 $5,000,000 $1,000 $1,500 $250 $500 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 AAMI International Travel Unlimited $10,000 Unlimited Unlimited Unlimited $6,000 N/A $3,000 AIG Bronze (E12) Unlimited $25,000 Unlimited Unlimited $2,000 $15,000 $500 $3,000 Allianz Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 ANZ International Unlimited N/A Unlimited Unlimited $2,000 $15,000 N/A $6,000 Aussie Travel Basic - NZ/Indonesia/Fiji $3,000 $10,000 Unlimited Unlimited $500 $3,000 $250 $1,500 Aussie Travel Plan A - NZ/Indonesia/Fiji Unlimited $10,000 Unlimited Unlimited $1,000 $3,000 $250 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 37

Single - International - New Zealand Fee Medical Australia Post International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $7,500 $250 $3,000 Australian Unity Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 Big Sky Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 BUPA International - Super Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 CGU Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 CHI Travel Insurance Basic - International $3,000 $10,000 Unlimited Unlimited $500 $3,000 $250 $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $8,000 $250 $3,000 Citibank International - Elite Unlimited $100,000 Unlimited Unlimited Unlimited $30,000 $200 $3,500 Citibank International - Essential $25,000 $20,000 Unlimited Unlimited Unlimited $5,000 N/A $3,500 Citibank International - Premium $50,000 $25,000 Unlimited Unlimited Unlimited $10,000 $200 $3,500 more Travelsure - International $5,000 $20,000 Unlimited Unlimited Unlimited $6,000 $100 $2,500 Fastcover Plan D - Comprehensive with Snow C Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 GIO Holiday Travel Insurance Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Go Insurance Go Basic - International $15,000 $20,000 $10,000,000 $10,000,000 $750 $7,500 $250 $2,000 Go Insurance Go Plus - International $25,000 $25,000 $10,000,000 $10,000,000 $1,500 $10,000 $500 $3,000 Greater Building Society Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 HCF Insurance Elements Plan $10,000 N/A $10,000,000 $10,000,000 10,000,00 $3,000 N/A $300 HSBC Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan A - Comprehensive Unlimited $15,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan D - Snow Unlimited $15,000 Unlimited Unlimited $500 $7,500 $250 $3,000 itrek Gold $15,000 $15,000 Unlimited Unlimited $500 $5,000 N/A $3,000 Kango L4 - Eastern Grey $12,500 N/A $12,500,000 $12,500,000 $1,000 $6,000 $500 $3,000 Kango L5 - Big Red $15,000 $50,000 Unlimited Unlimited $1,000 $7,500 $750 $3,000 multitrip.com.au Elements $10,000 N/A $10,000 $10,000,000 $1,000 $3,000 N/A $300 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 38

Single - International - New Zealand Fee Medical multitrip.com.au International - Premier $15,000 $20,000 Unlimited Unlimited $1,000 $7,500 $200 N/A multitrip.com.au International - Premier Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 $400 N/A My Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 nab Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 National Seniors International Basic $5,000 N/A Unlimited Unlimited $1,000 $5,000 $250 $4,000 National Seniors International Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 N/A NRMA International Essentials Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $200 Onepath International Travel Unlimited $1,000 Unlimited Unlimited $2,000 $15,000 $200 $6,000 OUCH A Travel Plan Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 N/A $3,000 OUCH B Travel Plan Unlimited $18,000 Unlimited Unlimited Unlimited $15,000 N/A $2,000 OUCH Premier Plus Extras Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $200 $6,000 People's Choice Credit Union Economy Unlimited $10,000 $100,000 $100,000 $1,000 $3,500 N/A $500 People's Choice Credit Union Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 Priceline Protects International - Essential $5,000 N/A Unlimited Unlimited Unlimited $1,500 N/A $1,000 Priceline Protects International - Premium $10,000 $25,000 Unlimited Unlimited Unlimited $5,000 $200 $3,500 QBE A Travel Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 N/A $3,000 QBE B Travel Unlimited $18,000 Unlimited Unlimited Unlimited $15,000 N/A $2,000 QBE C Travel Unlimited $10,000 Unlimited Unlimited Unlimited $15,000 N/A $1,000 QBE Premier Plus Extras Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $200 $6,000 RAC Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 RACQ Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 RACV Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 Ski Insurance Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 St.George Bank Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 39

Single - International - New Zealand Fee Medical STA Travel Basic - International Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $1,000 STA Travel Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,500 STA Travel Essentials - International Unlimited $20,000 Unlimited Unlimited Unlimited $6,000 $100 $2,500 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Suresave Budget $5,000 N/A Unlimited Unlimited $1,000 $5,000 $250 $4,000 Suresave Comprehensive Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 $250 $4,000 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 Virgin Australia Comprehensive Unlimited $25,000 Unlimited Unlimited $2,000 $5,000 $250 $3,000 Westpac Holiday Travel Insurance Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Woolworths Basic $5,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $3,000 Woolworths Comprehensive $12,000 $12,000 Unlimited Unlimited Unlimited $10,000 $250 $3,000 Australian Unity Economy Unlimited $10,000 $100,000 $100,000 $1,000 $3,500 N/A $500 Australian Unity Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 BUPA International - Economy Unlimited $10,000 $100,000 $100,000 $1,000 $3,500 N/A $500 BUPA International - Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 CGU Economy Unlimited $10,000 $100,000 $100,000 $1,000 $3,500 N/A $500 CGU Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 CGU Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 more Essentials - International $5,000 $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $200 HBF Insurance Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 HBF Insurance Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 HBF Insurance Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 40

Single - International - New Zealand Fee Medical multitrip.com.au International - Essentials $3,000 $10,000 $10,000,000 $10,000,000 $1,000 $2,000 N/A N/A People's Choice Credit Union Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 People's Choice Credit Union Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 RACQ Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 RACV Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 St.George Bank Economy Unlimited $10,000 $100,000 $100,000 $1,000 $3,500 N/A $500 St.George Bank Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 St.George Bank Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 World Nomads Explorer Unlimited $12,500 Unlimited Unlimited $500 $10,000 $250 $2,000 Australian Unity Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 BUPA International - Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 HBF Insurance Economy Unlimited $10,000 $100,000 $100,000 $1,000 $3,500 N/A $500 RAC Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 Travellers Choice Basic - International Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $3,000 World Nomads Standard $3,500 N/A $5,000,000 $500,000 $500 $2,000 N/A $500 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 41

Single - International - South Africa Fee Medical Downunder Insurance Plan C - Backpackers $2,500 $15,000 Unlimited Unlimited $750 $2,000 $500 $3,000 Good2Go Essentials Travel Insurance $10,000 N/A $5,000,000 $5,000,000 $500 $3,000 N/A $250 Insure and Go Gold Unlimited $50,000 Unlimited Unlimited $500 $8,000 $500 $3,000 Insure and Go Silver $15,000 $37,500 Unlimited Unlimited $500 $6,000 $250 $2,000 Kango L2 - Rock Wallaby $10,000 N/A $5,000,000 $5,000,000 $500 $3,000 N/A $250 OUCH A Travel Plan Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 N/A $3,000 Southern Cross Travel Insuranc World $50,000 $100,000 Unlimited Unlimited $750 $25,000 $500 $3,000 Travel Insurance Direct International Unlimited $25,000 Unlimited Unlimited $500 $12,000 $250 $4,000 Travel Insuranz Classic $2,500 N/A $10,000,000 $10,000,000 $500 $2,500 $125 $500 Woolworths Comprehensive $12,000 $12,000 Unlimited Unlimited Unlimited $10,000 $250 $3,000 Worldcare Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $12,000 $250 $3,000 1300 Insurance Plan A Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 1 Direct Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Citibank International - Essential $25,000 $20,000 Unlimited Unlimited Unlimited $5,000 N/A $3,500 Citibank International - Premium $50,000 $25,000 Unlimited Unlimited Unlimited $10,000 $200 $3,500 Downunder Insurance Plan A - Comprehensive $10,000 $30,000 Unlimited Unlimited $750 $5,000 $500 $3,000 Fastcover Plan E - Standard Unlimited $15,000 Unlimited Unlimited $500 $5,000 N/A $3,000 Go Insurance Go Basic - International $15,000 $20,000 $10,000,000 $10,000,000 $750 $7,500 $250 $2,000 Go Insurance Go Plus - International $25,000 $25,000 $10,000,000 $10,000,000 $1,500 $10,000 $500 $3,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $25,000 Unlimited Unlimited $2,000 $3,000 $500 $600 itrek Platinum Unlimited $15,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Kango L3 - Wallaby $12,500 N/A $5,000,000 $5,000,000 $500 $5,000 $250 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 42

Single - International - South Africa Fee Medical Kango L4 - Eastern Grey $12,500 N/A $12,500,000 $12,500,000 $1,000 $6,000 $500 $3,000 Kango L5 - Big Red $15,000 $50,000 Unlimited Unlimited $1,000 $7,500 $750 $3,000 My Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Priceline Protects International - Premium $10,000 $25,000 Unlimited Unlimited Unlimited $5,000 $200 $3,500 QBE A Travel Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 N/A $3,000 Real Insurance Basics - International $5,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $3,000 Real Insurance Comprehensive - International $12,000 $12,000 Unlimited Unlimited Unlimited $10,000 $250 $3,000 Travel Insuranz Deluxe $10,000 $30,000 $10,000,000 $10,000,000 $1,000 $7,500 $600 $3,000 Travel Insuranz Premier $5,000 $10,000 $10,000,000 $10,000,000 $500 $3,500 $150 $500 Virgin Money Comprehensive - Plan A Unlimited $25,000 Unlimited Unlimited $500 $7,500 $400 $3,000 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $500 $3,000 N/A $3,000 Woolworths Basic $5,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $3,000 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 AAMI International Travel Unlimited $10,000 Unlimited Unlimited Unlimited $6,000 N/A $3,000 AIG Gold (C12) Unlimited $25,000 Unlimited Unlimited $2,000 $15,000 $500 $3,000 Allianz Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $250 $3,000 American Express Essentials -Single Trip International $10,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $1,500 ANZ International Unlimited N/A Unlimited Unlimited $2,000 $15,000 N/A $6,000 Australia Post International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $7,500 $250 $3,000 Australian Unity Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 Big Sky Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 43

Single - International - South Africa Fee Medical Budget Direct Plan A - Platinum Unlimited $20,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Budget Direct Plan B - Silver $10,000 N/A Unlimited Unlimited $500 $3,000 N/A $3,000 BUPA International - Super Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 CGU Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 Citibank International - Elite Unlimited $100,000 Unlimited Unlimited Unlimited $30,000 $200 $3,500 Columbus Direct Premier $15,000 $75,000 $20,000,000 $20,000,000 $2,000 $7,500 $1,000 $3,000 Columbus Direct Standard $10,000 $50,000 $12,500,000 $12,500,000 $1,000 $6,000 $500 $3,000 more Essentials - International $5,000 $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $200 more Travelsure - International $5,000 $20,000 Unlimited Unlimited Unlimited $6,000 $100 $2,500 Fastcover Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Fastcover Plan D - Comprehensive with Snow C Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 GIO Holiday Travel Insurance Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Greater Building Society Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 HBF Insurance Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 HBF Insurance Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 HCF Insurance International Travel Plan Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $250 $6,000 HSBC Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan A - Comprehensive Unlimited $15,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan D - Snow Unlimited $15,000 Unlimited Unlimited $500 $7,500 $250 $3,000 itrek Gold $15,000 $15,000 Unlimited Unlimited $500 $5,000 N/A $3,000 Medibank International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $8,000 $250 $3,000 multitrip.com.au International - Premier Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 $400 N/A nab Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 National Seniors International Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 N/A TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 44

Single - International - South Africa Fee Medical NRMA International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 NRMA International Essentials Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $200 Onepath International Travel Unlimited $1,000 Unlimited Unlimited $2,000 $15,000 $200 $6,000 Online Travel Insurance Plan A - Comprehensive $25,000 $25,000 Unlimited Unlimited $1,000 $5,000 $250 $3,000 OUCH Premier Plus Extras Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $200 $6,000 People's Choice Credit Union Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 People's Choice Credit Union Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 Priceline Protects International - Essential $5,000 N/A Unlimited Unlimited Unlimited $1,500 N/A $1,000 QBE Premier Plus Extras Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $200 $6,000 RAC Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 Simply Travel Insurance Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Ski Insurance Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 St.George Bank Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 STA Travel Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,500 STA Travel Essentials - International Unlimited $20,000 Unlimited Unlimited Unlimited $6,000 $100 $2,500 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Virgin Australia Comprehensive Unlimited $25,000 Unlimited Unlimited $2,000 $5,000 $250 $3,000 Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $2,000 $5,000 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $25,000 Unlimited Unlimited $1,000 $5,000 $250 $500 Webjet Essentials - Plan B $5,000 $15,000 $5,000,000 $5,000,000 $1,000 $1,500 $250 $500 Westpac Holiday Travel Insurance Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 World Nomads Explorer Unlimited $12,500 Unlimited Unlimited $500 $10,000 $250 $2,000 World Nomads Standard $3,500 N/A $5,000,000 $500,000 $500 $2,000 N/A $500 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 45

Single - International - South Africa Fee Medical Aussie Travel Basic - Super Plus $3,000 $10,000 Unlimited Unlimited $500 $3,000 $250 $1,500 Aussie Travel Plan A - Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 $250 $4,000 Australian Unity Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 BUPA International - Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 CGU Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 CHI Travel Insurance Basic - International $3,000 $10,000 Unlimited Unlimited $500 $3,000 $250 $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $8,000 $250 $3,000 HCF Insurance Elements Plan $10,000 N/A $10,000,000 $10,000,000 10,000,00 $3,000 N/A $300 multitrip.com.au International - Premier $15,000 $20,000 Unlimited Unlimited $1,000 $7,500 $200 N/A National Seniors International Basic $5,000 N/A Unlimited Unlimited $1,000 $5,000 $250 $4,000 RACQ Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 RACV Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 St.George Bank Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 STA Travel Basic - International Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $1,000 Suresave Budget $5,000 N/A Unlimited Unlimited $1,000 $5,000 $250 $4,000 Suresave Comprehensive Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 $250 $4,000 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 multitrip.com.au Elements $10,000 N/A $10,000 $10,000,000 $1,000 $3,000 N/A $300 multitrip.com.au International - Essentials $3,000 $10,000 $10,000,000 $10,000,000 $1,000 $2,000 N/A N/A RAC Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 RACQ Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 RACV Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 46

Single - International - South Africa Fee Medical Travellers Choice Basic - International Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 47

Single - International - Thailand Fee Medical Budget Direct Plan A - Platinum Unlimited $20,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Budget Direct Plan B - Silver $10,000 N/A Unlimited Unlimited $500 $3,000 N/A $3,000 Citibank International - Essential $25,000 $20,000 Unlimited Unlimited Unlimited $5,000 N/A $3,500 Good2Go Essentials Travel Insurance $10,000 N/A $5,000,000 $5,000,000 $500 $3,000 N/A $250 Insure and Go Gold Unlimited $50,000 Unlimited Unlimited $500 $8,000 $500 $3,000 Insure and Go Silver $15,000 $37,500 Unlimited Unlimited $500 $6,000 $250 $2,000 Real Insurance Comprehensive - International $12,000 $12,000 Unlimited Unlimited Unlimited $10,000 $250 $3,000 Southern Cross Travel Insuranc World $50,000 $100,000 Unlimited Unlimited $750 $25,000 $500 $3,000 Travel Insurance Direct International Unlimited $25,000 Unlimited Unlimited $500 $12,000 $250 $4,000 Virgin Money Comprehensive - Plan A Unlimited $25,000 Unlimited Unlimited $500 $7,500 $400 $3,000 Woolworths Comprehensive $12,000 $12,000 Unlimited Unlimited Unlimited $10,000 $250 $3,000 Worldcare Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $12,000 $250 $3,000 1300 Insurance Plan A Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $250 $3,000 Australia Post International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $7,500 $250 $3,000 Citibank International - Premium $50,000 $25,000 Unlimited Unlimited Unlimited $10,000 $200 $3,500 Downunder Insurance Plan A - Comprehensive $10,000 $30,000 Unlimited Unlimited $750 $5,000 $500 $3,000 Downunder Insurance Plan C - Backpackers $2,500 $15,000 Unlimited Unlimited $750 $2,000 $500 $3,000 Fastcover Plan E - Standard Unlimited $15,000 Unlimited Unlimited $500 $5,000 N/A $3,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $25,000 Unlimited Unlimited $2,000 $3,000 $500 $600 Kango L2 - Rock Wallaby $10,000 N/A $5,000,000 $5,000,000 $500 $3,000 N/A $250 Medibank International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $8,000 $250 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 48

Single - International - Thailand Fee Medical My Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 NRMA International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 OUCH A Travel Plan Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 N/A $3,000 OUCH B Travel Plan Unlimited $18,000 Unlimited Unlimited Unlimited $15,000 N/A $2,000 Priceline Protects International - Essential $5,000 N/A Unlimited Unlimited Unlimited $1,500 N/A $1,000 Priceline Protects International - Premium $10,000 $25,000 Unlimited Unlimited Unlimited $5,000 $200 $3,500 QBE B Travel Unlimited $18,000 Unlimited Unlimited Unlimited $15,000 N/A $2,000 Real Insurance Basics - International $5,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $3,000 Travel Insuranz Classic $2,500 N/A $10,000,000 $10,000,000 $500 $2,500 $125 $500 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $500 $3,000 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $25,000 Unlimited Unlimited $1,000 $5,000 $250 $500 Webjet Essentials - Plan B $5,000 $15,000 $5,000,000 $5,000,000 $1,000 $1,500 $250 $500 Woolworths Basic $5,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $3,000 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 1 Direct Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 AAMI International Travel Unlimited $10,000 Unlimited Unlimited Unlimited $6,000 N/A $3,000 AIG Silver (D12) Unlimited $25,000 Unlimited Unlimited $2,000 $15,000 $500 $3,000 Allianz Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 American Express Essentials -Single Trip International $10,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $1,500 ANZ International Unlimited N/A Unlimited Unlimited $2,000 $15,000 N/A $6,000 Aussie Travel Basic - Standard $3,000 $10,000 Unlimited Unlimited $500 $3,000 $250 $1,500 Big Sky Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 49

Single - International - Thailand Fee Medical CGU Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 CHI Travel Insurance Basic - International $3,000 $10,000 Unlimited Unlimited $500 $3,000 $250 $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $8,000 $250 $3,000 Citibank International - Elite Unlimited $100,000 Unlimited Unlimited Unlimited $30,000 $200 $3,500 Columbus Direct Premier $15,000 $75,000 $20,000,000 $20,000,000 $2,000 $7,500 $1,000 $3,000 Columbus Direct Standard $10,000 $50,000 $12,500,000 $12,500,000 $1,000 $6,000 $500 $3,000 more Essentials - International $5,000 $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $200 more Travelsure - International $5,000 $20,000 Unlimited Unlimited Unlimited $6,000 $100 $2,500 Fastcover Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Fastcover Plan D - Comprehensive with Snow C Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 GIO Holiday Travel Insurance Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Go Insurance Go Basic - International $15,000 $20,000 $10,000,000 $10,000,000 $750 $7,500 $250 $2,000 Go Insurance Go Plus - International $25,000 $25,000 $10,000,000 $10,000,000 $1,500 $10,000 $500 $3,000 Greater Building Society Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 HBF Insurance Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 HCF Insurance Elements Plan $10,000 N/A $10,000,000 $10,000,000 10,000,00 $3,000 N/A $300 HCF Insurance International Travel Plan Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $250 $6,000 HSBC Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan A - Comprehensive Unlimited $15,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan D - Snow Unlimited $15,000 Unlimited Unlimited $500 $7,500 $250 $3,000 itrek Gold $15,000 $15,000 Unlimited Unlimited $500 $5,000 N/A $3,000 itrek Platinum Unlimited $15,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Kango L3 - Wallaby $12,500 N/A $5,000,000 $5,000,000 $500 $5,000 $250 $3,000 Kango L4 - Eastern Grey $12,500 N/A $12,500,000 $12,500,000 $1,000 $6,000 $500 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 50

Single - International - Thailand Fee Medical Kango L5 - Big Red $15,000 $50,000 Unlimited Unlimited $1,000 $7,500 $750 $3,000 multitrip.com.au International - Premier Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 $400 N/A nab Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 National Seniors International Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 N/A NRMA International Essentials Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $200 Onepath International Travel Unlimited $1,000 Unlimited Unlimited $2,000 $15,000 $200 $6,000 Online Travel Insurance Plan A - Comprehensive $25,000 $25,000 Unlimited Unlimited $1,000 $5,000 $250 $3,000 OUCH Premier Plus Extras Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $200 $6,000 People's Choice Credit Union Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 QBE A Travel Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 N/A $3,000 QBE Premier Plus Extras Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $200 $6,000 RAC Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 RACQ Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 RACV Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 Simply Travel Insurance Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Ski Insurance Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 St.George Bank Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 STA Travel Basic - International Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $1,000 STA Travel Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,500 STA Travel Essentials - International Unlimited $20,000 Unlimited Unlimited Unlimited $6,000 $100 $2,500 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Travel Insuranz Deluxe $10,000 $30,000 $10,000,000 $10,000,000 $1,000 $7,500 $600 $3,000 Travel Insuranz Premier $5,000 $10,000 $10,000,000 $10,000,000 $500 $3,500 $150 $500 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 51

Single - International - Thailand Fee Medical Virgin Australia Comprehensive Unlimited $25,000 Unlimited Unlimited $2,000 $5,000 $250 $3,000 Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $2,000 $5,000 N/A $3,000 Westpac Holiday Travel Insurance Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 World Nomads Explorer Unlimited $12,500 Unlimited Unlimited $500 $10,000 $250 $2,000 World Nomads Standard $3,500 N/A $5,000,000 $500,000 $500 $2,000 N/A $500 Aussie Travel Plan A - Standard Unlimited $15,000 Unlimited Unlimited $1,000 $5,000 $250 $4,000 Australian Unity Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 BUPA International - Super Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 CGU Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 CGU Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 HBF Insurance Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 HBF Insurance Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 multitrip.com.au Elements $10,000 N/A $10,000 $10,000,000 $1,000 $3,000 N/A $300 multitrip.com.au International - Premier $15,000 $20,000 Unlimited Unlimited $1,000 $7,500 $200 N/A National Seniors International Basic $5,000 N/A Unlimited Unlimited $1,000 $5,000 $250 $4,000 People's Choice Credit Union Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 People's Choice Credit Union Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 RAC Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 St.George Bank Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 St.George Bank Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 Suresave Budget $5,000 N/A Unlimited Unlimited $1,000 $5,000 $250 $4,000 Suresave Comprehensive Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 $250 $4,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 52

Single - International - Thailand Fee Medical Travellers Choice Basic - International Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $3,000 Australian Unity Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 Australian Unity Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 BUPA International - Standard Unlimited $15,000 $300,000 $300,000 $1,000 $5,000 N/A $2,000 BUPA International - Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 multitrip.com.au International - Essentials $3,000 $10,000 $10,000,000 $10,000,000 $1,000 $2,000 N/A N/A RACQ Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 RACV Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 53

Single - International - United Kingdon Fee Medical Citibank International - Essential $25,000 $20,000 Unlimited Unlimited Unlimited $5,000 N/A $3,500 Downunder Insurance Plan C - Backpackers $2,500 $15,000 Unlimited Unlimited $750 $2,000 $500 $3,000 Good2Go Essentials Travel Insurance $10,000 N/A $5,000,000 $5,000,000 $500 $3,000 N/A $250 Insure and Go Gold Unlimited $50,000 Unlimited Unlimited $500 $8,000 $500 $3,000 OUCH B Travel Plan Unlimited $18,000 Unlimited Unlimited Unlimited $15,000 N/A $2,000 Real Insurance Comprehensive - International $12,000 $12,000 Unlimited Unlimited Unlimited $10,000 $250 $3,000 Southern Cross Travel Insuranc World $50,000 $100,000 Unlimited Unlimited $750 $25,000 $500 $3,000 Travel Insurance Direct International Unlimited $25,000 Unlimited Unlimited $500 $12,000 $250 $4,000 Virgin Money Comprehensive - Plan A Unlimited $25,000 Unlimited Unlimited $500 $7,500 $400 $3,000 Woolworths Comprehensive $12,000 $12,000 Unlimited Unlimited Unlimited $10,000 $250 $3,000 Worldcare Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $12,000 $250 $3,000 1300 Insurance Plan A Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 1 Direct Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Allianz Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Australia Post International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $7,500 $250 $3,000 Budget Direct Plan A - Platinum Unlimited $20,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Budget Direct Plan B - Silver $10,000 N/A Unlimited Unlimited $500 $3,000 N/A $3,000 Downunder Insurance Plan A - Comprehensive $10,000 $30,000 Unlimited Unlimited $750 $5,000 $500 $3,000 Fastcover Plan E - Standard Unlimited $15,000 Unlimited Unlimited $500 $5,000 N/A $3,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $25,000 Unlimited Unlimited $2,000 $3,000 $500 $600 Insure and Go Silver $15,000 $37,500 Unlimited Unlimited $500 $6,000 $250 $2,000 Kango L2 - Rock Wallaby $10,000 N/A $5,000,000 $5,000,000 $500 $3,000 N/A $250 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 54

Single - International - United Kingdon Fee Medical Medibank International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $8,000 $250 $3,000 My Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 NRMA International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 Online Travel Insurance Plan A - Comprehensive $25,000 $25,000 Unlimited Unlimited $1,000 $5,000 $250 $3,000 OUCH A Travel Plan Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 N/A $3,000 QBE B Travel Unlimited $18,000 Unlimited Unlimited Unlimited $15,000 N/A $2,000 Real Insurance Basics - International $5,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $3,000 Simply Travel Insurance Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Travel Insuranz Classic $2,500 N/A $10,000,000 $10,000,000 $500 $2,500 $125 $500 Webjet Essentials - Plan B $5,000 $15,000 $5,000,000 $5,000,000 $1,000 $1,500 $250 $500 Woolworths Basic $5,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $3,000 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 AAMI International Travel Unlimited $10,000 Unlimited Unlimited Unlimited $6,000 N/A $3,000 AIG Silver (D12) Unlimited $25,000 Unlimited Unlimited $2,000 $15,000 $500 $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $250 $3,000 American Express Essentials -Single Trip International $10,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $1,500 ANZ International Unlimited N/A Unlimited Unlimited $2,000 $15,000 N/A $6,000 Aussie Travel Basic - Standard $3,000 $10,000 Unlimited Unlimited $500 $3,000 $250 $1,500 Big Sky Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 CHI Travel Insurance Basic - International $3,000 $10,000 Unlimited Unlimited $500 $3,000 $250 $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $8,000 $250 $3,000 Citibank International - Elite Unlimited $100,000 Unlimited Unlimited Unlimited $30,000 $200 $3,500 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 55

Single - International - United Kingdon Fee Medical Citibank International - Premium $50,000 $25,000 Unlimited Unlimited Unlimited $10,000 $200 $3,500 Columbus Direct Premier $15,000 $75,000 $20,000,000 $20,000,000 $2,000 $7,500 $1,000 $3,000 Columbus Direct Standard $10,000 $50,000 $12,500,000 $12,500,000 $1,000 $6,000 $500 $3,000 more Essentials - International $5,000 $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $200 more Travelsure - International $5,000 $20,000 Unlimited Unlimited Unlimited $6,000 $100 $2,500 Fastcover Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Fastcover Plan D - Comprehensive with Snow C Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 GIO Holiday Travel Insurance Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Go Insurance Go Basic - International $15,000 $20,000 $10,000,000 $10,000,000 $750 $7,500 $250 $2,000 Go Insurance Go Plus - International $25,000 $25,000 $10,000,000 $10,000,000 $1,500 $10,000 $500 $3,000 Greater Building Society Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 HBF Insurance Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 HCF Insurance Elements Plan $10,000 N/A $10,000,000 $10,000,000 10,000,00 $3,000 N/A $300 HCF Insurance International Travel Plan Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $250 $6,000 HSBC Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan A - Comprehensive Unlimited $15,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan D - Snow Unlimited $15,000 Unlimited Unlimited $500 $7,500 $250 $3,000 itrek Gold $15,000 $15,000 Unlimited Unlimited $500 $5,000 N/A $3,000 itrek Platinum Unlimited $15,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Kango L3 - Wallaby $12,500 N/A $5,000,000 $5,000,000 $500 $5,000 $250 $3,000 Kango L4 - Eastern Grey $12,500 N/A $12,500,000 $12,500,000 $1,000 $6,000 $500 $3,000 Kango L5 - Big Red $15,000 $50,000 Unlimited Unlimited $1,000 $7,500 $750 $3,000 multitrip.com.au International - Premier Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 $400 N/A nab Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 56

Single - International - United Kingdon Fee Medical National Seniors International Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 N/A NRMA International Essentials Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $200 Onepath International Travel Unlimited $1,000 Unlimited Unlimited $2,000 $15,000 $200 $6,000 OUCH Premier Plus Extras Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $200 $6,000 People's Choice Credit Union Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 Priceline Protects International - Essential $5,000 N/A Unlimited Unlimited Unlimited $1,500 N/A $1,000 Priceline Protects International - Premium $10,000 $25,000 Unlimited Unlimited Unlimited $5,000 $200 $3,500 QBE A Travel Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 N/A $3,000 QBE Premier Plus Extras Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $200 $6,000 RAC Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 Ski Insurance Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 St.George Bank Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 STA Travel Basic - International Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $1,000 STA Travel Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,500 STA Travel Essentials - International Unlimited $20,000 Unlimited Unlimited Unlimited $6,000 $100 $2,500 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Travel Insuranz Deluxe $10,000 $30,000 $10,000,000 $10,000,000 $1,000 $7,500 $600 $3,000 Travel Insuranz Premier $5,000 $10,000 $10,000,000 $10,000,000 $500 $3,500 $150 $500 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 Virgin Australia Comprehensive Unlimited $25,000 Unlimited Unlimited $2,000 $5,000 $250 $3,000 Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $2,000 $5,000 N/A $3,000 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $500 $3,000 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $25,000 Unlimited Unlimited $1,000 $5,000 $250 $500 World Nomads Explorer Unlimited $12,500 Unlimited Unlimited $500 $10,000 $250 $2,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 57

Single - International - United Kingdon Fee Medical Aussie Travel Plan A - Standard Unlimited $15,000 Unlimited Unlimited $1,000 $5,000 $250 $4,000 Australian Unity Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 Australian Unity Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 BUPA International - Super Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 CGU Super Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 CGU Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 HBF Insurance Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 multitrip.com.au Elements $10,000 N/A $10,000 $10,000,000 $1,000 $3,000 N/A $300 National Seniors International Basic $5,000 N/A Unlimited Unlimited $1,000 $5,000 $250 $4,000 People's Choice Credit Union Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 RAC Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 RACQ Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 RACV Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 St.George Bank Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 Suresave Budget $5,000 N/A Unlimited Unlimited $1,000 $5,000 $250 $4,000 Suresave Comprehensive Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 $250 $4,000 Westpac Holiday Travel Insurance Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 World Nomads Standard $3,500 N/A $5,000,000 $500,000 $500 $2,000 N/A $500 BUPA International - Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 multitrip.com.au International - Essentials $3,000 $10,000 $10,000,000 $10,000,000 $1,000 $2,000 N/A N/A multitrip.com.au International - Premier $15,000 $20,000 Unlimited Unlimited $1,000 $7,500 $200 N/A RACQ Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 58

Single - International - United Kingdon Fee Medical RACV Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 Travellers Choice Basic - International Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 59

Single - International - USA Fee Medical 1 Direct Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Citibank International - Essential $25,000 $20,000 Unlimited Unlimited Unlimited $5,000 N/A $3,500 Downunder Insurance Plan C - Backpackers $2,500 $15,000 Unlimited Unlimited $750 $2,000 $500 $3,000 Good2Go Essentials Travel Insurance $10,000 N/A $5,000,000 $5,000,000 $500 $3,000 N/A $250 Insure and Go Gold Unlimited $50,000 Unlimited Unlimited $500 $8,000 $500 $3,000 Insure and Go Silver $15,000 $37,500 Unlimited Unlimited $500 $6,000 $250 $2,000 Southern Cross Travel Insuranc Superworld $50,000 $100,000 Unlimited Unlimited $750 $25,000 $500 $3,000 Travel Insurance Direct International Unlimited $25,000 Unlimited Unlimited $500 $12,000 $250 $4,000 Virgin Money Comprehensive - Plan A Unlimited $25,000 Unlimited Unlimited $500 $7,500 $400 $3,000 Worldcare Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $12,000 $250 $3,000 1300 Insurance Plan A Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $250 $3,000 Budget Direct Plan A - Platinum Unlimited $20,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Citibank International - Premium $50,000 $25,000 Unlimited Unlimited Unlimited $10,000 $200 $3,500 Downunder Insurance Plan A - Comprehensive $10,000 $30,000 Unlimited Unlimited $750 $5,000 $500 $3,000 Fastcover Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Fastcover Plan E - Standard Unlimited $15,000 Unlimited Unlimited $500 $5,000 N/A $3,000 itrek Platinum Unlimited $15,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Kango L2 - Rock Wallaby $10,000 N/A $5,000,000 $5,000,000 $500 $3,000 N/A $250 My Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Priceline Protects International - Essential $5,000 N/A Unlimited Unlimited Unlimited $1,500 N/A $1,000 Priceline Protects International - Premium $10,000 $25,000 Unlimited Unlimited Unlimited $5,000 $200 $3,500 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 60

Single - International - USA Fee Medical Real Insurance Basics - International $5,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $3,000 Real Insurance Comprehensive - International $12,000 $12,000 Unlimited Unlimited Unlimited $10,000 $250 $3,000 Travel Insuranz Classic $2,500 N/A $10,000,000 $10,000,000 $500 $2,500 $125 $500 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $500 $3,000 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $25,000 Unlimited Unlimited $1,000 $5,000 $250 $500 Webjet Essentials - Plan B $5,000 $15,000 $5,000,000 $5,000,000 $1,000 $1,500 $250 $500 Woolworths Basic $5,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $3,000 Woolworths Comprehensive $12,000 $12,000 Unlimited Unlimited Unlimited $10,000 $250 $3,000 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 AAMI International Travel Unlimited $10,000 Unlimited Unlimited Unlimited $6,000 N/A $3,000 AIG Platinum (F12) Unlimited $25,000 Unlimited Unlimited $2,000 $15,000 $500 $3,000 Allianz Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 American Express Essentials -Single Trip International $10,000 N/A Unlimited Unlimited Unlimited $5,000 N/A $1,500 ANZ International Unlimited N/A Unlimited Unlimited $2,000 $15,000 N/A $6,000 Australia Post International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $7,500 $250 $3,000 Big Sky Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Budget Direct Plan B - Silver $10,000 N/A Unlimited Unlimited $500 $3,000 N/A $3,000 CGU Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 Citibank International - Elite Unlimited $100,000 Unlimited Unlimited Unlimited $30,000 $200 $3,500 Columbus Direct Premier $15,000 $75,000 $20,000,000 $20,000,000 $2,000 $7,500 $1,000 $3,000 Columbus Direct Standard $10,000 $50,000 $12,500,000 $12,500,000 $1,000 $6,000 $500 $3,000 more Essentials - International $5,000 $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $200 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 61

Single - International - USA Fee Medical more Travelsure - International $5,000 $20,000 Unlimited Unlimited Unlimited $6,000 $100 $2,500 Fastcover Plan D - Comprehensive with Snow C Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 GIO Holiday Travel Insurance Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Go Insurance Go Basic - International $15,000 $20,000 $10,000,000 $10,000,000 $750 $7,500 $250 $2,000 Go Insurance Go Plus - International $25,000 $25,000 $10,000,000 $10,000,000 $1,500 $10,000 $500 $3,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $25,000 Unlimited Unlimited $2,000 $3,000 $500 $600 Greater Building Society Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 HBF Insurance Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 HCF Insurance International Travel Plan Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $250 $6,000 HSBC Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan A - Comprehensive Unlimited $15,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan D - Snow Unlimited $15,000 Unlimited Unlimited $500 $7,500 $250 $3,000 itrek Gold $15,000 $15,000 Unlimited Unlimited $500 $5,000 N/A $3,000 Kango L3 - Wallaby $12,500 N/A $5,000,000 $5,000,000 $500 $5,000 $250 $3,000 Kango L4 - Eastern Grey $12,500 N/A $12,500,000 $12,500,000 $1,000 $6,000 $500 $3,000 Kango L5 - Big Red $15,000 $50,000 Unlimited Unlimited $1,000 $7,500 $750 $3,000 Medibank International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $8,000 $250 $3,000 nab Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 National Seniors International Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 N/A NRMA International Comprehensive Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 NRMA International Essentials Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $200 Onepath International Travel Unlimited $1,000 Unlimited Unlimited $2,000 $15,000 $200 $6,000 Online Travel Insurance Plan A - Comprehensive $25,000 $25,000 Unlimited Unlimited $1,000 $5,000 $250 $3,000 OUCH Premier Plus Extras Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $200 $6,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 62

Single - International - USA Fee Medical People's Choice Credit Union Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 QBE Premier Plus Extras Unlimited $25,000 Unlimited Unlimited Unlimited $15,000 $200 $6,000 RAC Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 Simply Travel Insurance Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Ski Insurance Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 St.George Bank Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 STA Travel Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,500 STA Travel Essentials - International Unlimited $20,000 Unlimited Unlimited Unlimited $6,000 $100 $2,500 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Travel Insuranz Deluxe $10,000 $30,000 $10,000,000 $10,000,000 $1,000 $7,500 $600 $3,000 Travel Insuranz Premier $5,000 $10,000 $10,000,000 $10,000,000 $500 $3,500 $150 $500 Virgin Australia Comprehensive Unlimited $25,000 Unlimited Unlimited $2,000 $5,000 $250 $3,000 Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $2,000 $5,000 N/A $3,000 Westpac Holiday Travel Insurance Unlimited $25,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 World Nomads Explorer Unlimited $12,500 Unlimited Unlimited $500 $10,000 $250 $2,000 World Nomads Standard $3,500 N/A $5,000,000 $500,000 $500 $2,000 N/A $500 Aussie Travel Basic - Super Plus $3,000 $10,000 Unlimited Unlimited $500 $3,000 $250 $1,500 Aussie Travel Plan A - Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 $250 $4,000 Australian Unity Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 N/A $4,000 BUPA International - Super Plus Unlimited $25,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 CHI Travel Insurance Basic - International $3,000 $10,000 Unlimited Unlimited $500 $3,000 $250 $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $8,000 $250 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 63

Single - International - USA Fee Medical multitrip.com.au International - Premier Plus Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 $400 N/A National Seniors International Basic $5,000 N/A Unlimited Unlimited $1,000 $5,000 $250 $4,000 RAC Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 RACQ Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 RACV Premium Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $2,500 STA Travel Basic - International Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $1,000 Suresave Budget $5,000 N/A Unlimited Unlimited $1,000 $5,000 $250 $4,000 Suresave Comprehensive Unlimited $25,000 Unlimited Unlimited $1,000 $12,000 $250 $4,000 Travellers Choice Basic - International Unlimited $10,000 $10,000,000 $10,000,000 10,000,00 $3,000 N/A $3,000 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 HCF Insurance Elements Plan $10,000 N/A $10,000,000 $10,000,000 10,000,00 $3,000 N/A $300 multitrip.com.au Elements $10,000 N/A $10,000 $10,000,000 $1,000 $3,000 N/A $300 multitrip.com.au International - Essentials $3,000 $10,000 $10,000,000 $10,000,000 $1,000 $2,000 N/A N/A multitrip.com.au International - Premier $15,000 $20,000 Unlimited Unlimited $1,000 $7,500 $200 N/A RACQ Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 RACV Essentials $1,000 $10,000 Unlimited Unlimited $500 $2,500 N/A $200 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 64

Couple - International - Bali Fee Medical Citibank International - Essential $50,000 $40,000 Unlimited Unlimited Unlimited $10,000 N/A $3,500 Columbus Direct Standard $20,000 $100,000 $25,000,000 $25,000,000 $2,000 $12,000 $1,000 $3,000 Downunder Insurance Plan C - Backpackers $5,000 $30,000 Unlimited Unlimited $1,500 $4,000 $500 $3,000 Insure and Go Gold Unlimited $100,000 Unlimited Unlimited $1,000 $16,000 $1,000 $3,000 Insure and Go Silver $30,000 $75,000 Unlimited Unlimited $1,000 $12,000 $500 $2,000 OUCH C Travel Plan Unlimited $20,000 Unlimited Unlimited Unlimited $30,000 N/A $1,000 Real Insurance Comprehensive - International $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Travel Insurance Direct International Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $4,000 Travel Insuranz Classic $5,000 N/A $40,000,000 $20,000,000 $1,000 $5,000 $250 $500 Woolworths Basic $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Woolworths Comprehensive $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Worldcare Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $3,000 1 Direct Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $10,000 $500 $3,000 AAMI International Travel Unlimited $20,000 Unlimited Unlimited Unlimited $12,000 N/A $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $500 $3,000 American Express Essentials -Single Trip International $20,000 N/A Unlimited Unlimited Unlimited $10,000 $0 $1,500 Big Sky Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $3,000 Budget Direct Plan A - Platinum Unlimited $40,000 Unlimited Unlimited $500 $10,000 $250 $3,000 Columbus Direct Premier $30,000 $150,000 $40,000,000 $40,000,000 $4,000 $15,000 $2,000 $3,000 Downunder Insurance Plan A - Comprehensive $20,000 $60,000 Unlimited Unlimited $1,500 $10,000 $1,000 $3,000 Good2Go Essentials Travel Insurance $20,000 N/A $10,000,000 $10,000,000 $1,000 $6,000 N/A $250 Greater Building Society Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 65

Couple - International - Bali Fee Medical itrek Platinum Unlimited $30,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 Kango L2 - Rock Wallaby $10,000 N/A $10,000,000 $5,000,000 $500 $3,000 N/A $250 Kango L3 - Wallaby $12,500 N/A $10,000,000 $5,000,000 $500 $5,000 $250 $3,000 My Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 NRMA International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,000 Priceline Protects International - Essential $10,000 N/A Unlimited Unlimited Unlimited $3,000 N/A $1,000 Priceline Protects International - Premium $20,000 $50,000 Unlimited Unlimited Unlimited $10,000 $400 $3,500 Real Insurance Basics - International $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Simply Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Southern Cross Travel Insuranc World $100,000 $200,000 Unlimited Unlimited $1,500 $50,000 $500 $3,000 Travel Insuranz Premier $10,000 $20,000 $40,000,000 $20,000,000 $1,000 $7,000 $300 $500 Webjet Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $2,000 $10,000 $500 $500 Webjet Essentials - Plan B $10,000 $30,000 $10,000,000 $10,000,000 $2,000 $3,000 $250 $500 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 1300 Insurance Plan A Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 AIG Bronze (E12) Unlimited $50,000 Unlimited Unlimited $2,000 $30,000 $1,000 $3,000 Allianz Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 ANZ International Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 Aussie Travel Basic - NZ/Indonesia/Fiji $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $250 $1,500 Australia Post International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $15,000 $500 $3,000 Budget Direct Plan B - Silver $10,000 N/A Unlimited Unlimited $500 $6,000 N/A $3,000 CHI Travel Insurance Basic - International $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $500 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 66

Couple - International - Bali Fee Medical CHI Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $16,000 $500 $3,000 Citibank International - Elite Unlimited $200,000 Unlimited Unlimited Unlimited $60,000 $400 $3,500 Citibank International - Premium $100,000 $50,000 Unlimited Unlimited Unlimited $20,000 $400 $3,500 more Essentials - International $10,000 $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 more Travelsure - International $10,000 $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Fastcover Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Fastcover Plan D - Comprehensive with Snow C Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Fastcover Plan E - Standard Unlimited $30,000 Unlimited Unlimited $500 $10,000 N/A $3,000 GIO Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Go Insurance Go Basic - International $30,000 $40,000 $40,000,000 $20,000,000 $1,500 $15,000 $500 $2,000 Go Insurance Go Plus - International $50,000 $50,000 $40,000,000 $20,000,000 $3,000 $20,000 $1,000 $3,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $50,000 Unlimited Unlimited $4,000 $3,000 $1,000 $600 HBF Insurance Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 HBF Insurance Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 HCF Insurance International Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $500 $6,000 HSBC Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan A - Comprehensive Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Hume Building Society Plan D - Snow Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 itrek Gold $30,000 $30,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 Kango L4 - Eastern Grey $12,500 N/A $25,000,000 $12,500,000 $1,000 $6,000 $500 $3,000 Kango L5 - Big Red $15,000 $50,000 Unlimited Unlimited $1,000 $7,500 $750 $3,000 Medibank International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $16,000 $500 $3,000 multitrip.com.au International - Premier Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 $800 N/A nab Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 67

Couple - International - Bali Fee Medical National Seniors International Premium Unlimited $50,000 Unlimited Unlimited $500 $7,500 $250 N/A NRMA International Essentials Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 Onepath International Travel Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 Online Travel Insurance Plan A - Comprehensive $50,000 $50,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 OUCH A Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 OUCH B Travel Plan Unlimited $36,000 Unlimited Unlimited Unlimited $30,000 N/A $2,000 OUCH Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 People's Choice Credit Union Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 QBE A Travel Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 QBE B Travel Unlimited $36,000 Unlimited Unlimited Unlimited $30,000 N/A $2,000 QBE C Travel Unlimited $20,000 Unlimited Unlimited Unlimited $30,000 N/A $1,000 QBE Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 RAC Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACQ Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACV Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 Ski Insurance Plan A - International Unlimited $50,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 STA Travel Basic - International Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $1,000 STA Travel Comprehensive - International Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,500 STA Travel Essentials - International Unlimited $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Suresave Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $24,000 $500 $4,000 Travel Insuranz Deluxe $20,000 $60,000 $40,000,000 $20,000,000 $2,000 $15,000 $1,200 $3,000 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 Virgin Australia Comprehensive Unlimited $50,000 Unlimited Unlimited $4,000 $10,000 $500 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 68

Couple - International - Bali Fee Medical Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $4,000 $10,000 N/A $3,000 Virgin Money Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $400 $3,000 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $1,000 $6,000 N/A $3,000 Westpac Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 World Nomads Explorer Unlimited $25,000 Unlimited Unlimited $1,000 $20,000 $250 $2,000 World Nomads Standard $7,000 N/A $10,000,000 $1,000,000 $1,000 $4,000 N/A $500 Aussie Travel Plan A - NZ/Indonesia/Fiji Unlimited $20,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Australian Unity Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 BUPA International - Super Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 CGU Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 CGU Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 HBF Insurance Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 HCF Insurance Elements Plan $20,000 N/A $20,000,000 $20,000,000 20,000,00 $6,000 N/A $300 National Seniors International Basic $10,000 N/A Unlimited Unlimited $1,000 $10,000 $250 $4,000 People's Choice Credit Union Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 People's Choice Credit Union Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 RAC Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACQ Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACV Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 St.George Bank Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 St.George Bank Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 St.George Bank Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 69

Couple - International - Bali Fee Medical Suresave Budget $10,000 N/A Unlimited Unlimited $1,000 $10,000 $250 $4,000 Travellers Choice Basic - International Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $3,000 N/A $3,000 Australian Unity Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 Australian Unity Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 BUPA International - Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 BUPA International - Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 CGU Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 multitrip.com.au International - Essentials $6,000 $20,000 $20,000,000 $20,000,000 $2,000 $4,000 N/A N/A multitrip.com.au International - Premier $30,000 $40,000 Unlimited Unlimited $2,000 $15,000 $400 N/A TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 70

Couple - International - Brazil Fee Medical AAMI International Travel Unlimited $20,000 Unlimited Unlimited Unlimited $12,000 N/A $3,000 Citibank International - Essential $50,000 $40,000 Unlimited Unlimited Unlimited $10,000 N/A $3,500 Good2Go Essentials Travel Insurance $20,000 N/A $10,000,000 $10,000,000 $1,000 $6,000 N/A $250 OUCH A Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 QBE A Travel Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 Southern Cross Travel Insuranc World $100,000 $200,000 Unlimited Unlimited $1,500 $50,000 $500 $3,000 Travel Insurance Direct International Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $4,000 Travel Insuranz Classic $5,000 N/A $40,000,000 $20,000,000 $1,000 $5,000 $250 $500 Virgin Money Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $400 $3,000 Woolworths Comprehensive $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Worldcare Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $3,000 1300 Insurance Plan A Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 1 Direct Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $10,000 $500 $3,000 Citibank International - Premium $100,000 $50,000 Unlimited Unlimited Unlimited $20,000 $400 $3,500 Downunder Insurance Plan A - Comprehensive $20,000 $60,000 Unlimited Unlimited $1,500 $10,000 $1,000 $3,000 Downunder Insurance Plan C - Backpackers $5,000 $30,000 Unlimited Unlimited $1,500 $4,000 $500 $3,000 Fastcover Plan E - Standard Unlimited $30,000 Unlimited Unlimited $500 $10,000 N/A $3,000 GIO Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Go Insurance Go Basic - International $30,000 $40,000 $40,000,000 $20,000,000 $1,500 $15,000 $500 $2,000 Go Insurance Go Plus - International $50,000 $50,000 $40,000,000 $20,000,000 $3,000 $20,000 $1,000 $3,000 Insure and Go Gold Unlimited $100,000 Unlimited Unlimited $1,000 $16,000 $1,000 $3,000 Insure and Go Silver $30,000 $75,000 Unlimited Unlimited $1,000 $12,000 $500 $2,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 71

Couple - International - Brazil Fee Medical itrek Platinum Unlimited $30,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 My Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 NRMA International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,000 Real Insurance Comprehensive - International $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 STA Travel Essentials - International Unlimited $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Travel Insuranz Deluxe $20,000 $60,000 $40,000,000 $20,000,000 $2,000 $15,000 $1,200 $3,000 Travel Insuranz Premier $10,000 $20,000 $40,000,000 $20,000,000 $1,000 $7,000 $300 $500 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $1,000 $6,000 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $2,000 $10,000 $500 $500 Woolworths Basic $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Allianz Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $500 $3,000 American Express Essentials -Single Trip International $20,000 N/A Unlimited Unlimited Unlimited $10,000 $0 $1,500 ANZ International Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 Australia Post International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $15,000 $500 $3,000 Australian Unity Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Australian Unity Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Big Sky Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $3,000 Budget Direct Plan A - Platinum Unlimited $40,000 Unlimited Unlimited $500 $10,000 $250 $3,000 Budget Direct Plan B - Silver $10,000 N/A Unlimited Unlimited $500 $6,000 N/A $3,000 BUPA International - Super Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 72

Couple - International - Brazil Fee Medical CGU Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 CGU Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Citibank International - Elite Unlimited $200,000 Unlimited Unlimited Unlimited $60,000 $400 $3,500 Columbus Direct Premier $30,000 $150,000 $40,000,000 $40,000,000 $4,000 $15,000 $2,000 $3,000 Columbus Direct Standard $20,000 $100,000 $25,000,000 $25,000,000 $2,000 $12,000 $1,000 $3,000 more Essentials - International $10,000 $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 more Travelsure - International $10,000 $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Fastcover Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Fastcover Plan D - Comprehensive with Snow C Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $50,000 Unlimited Unlimited $4,000 $3,000 $1,000 $600 Greater Building Society Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $3,000 HBF Insurance Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 HBF Insurance Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 HCF Insurance International Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $500 $6,000 Hume Building Society Plan A - Comprehensive Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Hume Building Society Plan D - Snow Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 itrek Gold $30,000 $30,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 Kango L2 - Rock Wallaby $10,000 N/A $10,000,000 $5,000,000 $500 $3,000 N/A $250 Kango L3 - Wallaby $12,500 N/A $10,000,000 $5,000,000 $500 $5,000 $250 $3,000 Medibank International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $16,000 $500 $3,000 multitrip.com.au International - Premier Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 $800 N/A NRMA International Essentials Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 Onepath International Travel Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 Online Travel Insurance Plan A - Comprehensive $50,000 $50,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 73

Couple - International - Brazil Fee Medical OUCH Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 People's Choice Credit Union Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 People's Choice Credit Union Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Priceline Protects International - Essential $10,000 N/A Unlimited Unlimited Unlimited $3,000 N/A $1,000 Priceline Protects International - Premium $20,000 $50,000 Unlimited Unlimited Unlimited $10,000 $400 $3,500 QBE Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 RAC Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 Real Insurance Basics - International $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Simply Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Ski Insurance Plan A - International Unlimited $50,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 St.George Bank Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 St.George Bank Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 STA Travel Basic - International Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $1,000 STA Travel Comprehensive - International Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,500 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 Virgin Australia Comprehensive Unlimited $50,000 Unlimited Unlimited $4,000 $10,000 $500 $3,000 Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $4,000 $10,000 N/A $3,000 Webjet Essentials - Plan B $10,000 $30,000 $10,000,000 $10,000,000 $2,000 $3,000 $250 $500 Westpac Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 World Nomads Explorer Unlimited $25,000 Unlimited Unlimited $1,000 $20,000 $250 $2,000 World Nomads Standard $7,000 N/A $10,000,000 $1,000,000 $1,000 $4,000 N/A $500 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 74

Couple - International - Brazil Fee Medical AIG Platinum (F12) Unlimited $50,000 Unlimited Unlimited $2,000 $30,000 $1,000 $3,000 Aussie Travel Basic - Super Plus $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $250 $1,500 Aussie Travel Plan A - Super Plus Unlimited $50,000 Unlimited Unlimited $1,000 $20,000 $250 $4,000 BUPA International - Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 CHI Travel Insurance Basic - International $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $500 $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $16,000 $500 $3,000 HCF Insurance Elements Plan $20,000 N/A $20,000,000 $20,000,000 20,000,00 $6,000 N/A $300 HSBC Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Kango L4 - Eastern Grey $12,500 N/A $25,000,000 $12,500,000 $1,000 $6,000 $500 $3,000 Kango L5 - Big Red $15,000 $50,000 Unlimited Unlimited $1,000 $7,500 $750 $3,000 multitrip.com.au International - Premier $30,000 $40,000 Unlimited Unlimited $2,000 $15,000 $400 N/A nab Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 National Seniors International Premium Unlimited $50,000 Unlimited Unlimited $500 $7,500 $250 N/A RAC Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACQ Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACV Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 Suresave Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $24,000 $500 $4,000 multitrip.com.au International - Essentials $6,000 $20,000 $20,000,000 $20,000,000 $2,000 $4,000 N/A N/A National Seniors International Basic $10,000 N/A Unlimited Unlimited $1,000 $10,000 $250 $4,000 RACQ Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACV Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 Suresave Budget $10,000 N/A Unlimited Unlimited $1,000 $10,000 $250 $4,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 75

Couple - International - Brazil Fee Medical Travellers Choice Basic - International Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $3,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 76

Couple - International - China Fee Medical AAMI International Travel Unlimited $20,000 Unlimited Unlimited Unlimited $12,000 N/A $3,000 Good2Go Essentials Travel Insurance $20,000 N/A $10,000,000 $10,000,000 $1,000 $6,000 N/A $250 Insure and Go Gold Unlimited $100,000 Unlimited Unlimited $1,000 $16,000 $1,000 $3,000 Insure and Go Silver $30,000 $75,000 Unlimited Unlimited $1,000 $12,000 $500 $2,000 NRMA International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,000 OUCH B Travel Plan Unlimited $36,000 Unlimited Unlimited Unlimited $30,000 N/A $2,000 Real Insurance Comprehensive - International $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Southern Cross Travel Insuranc World $100,000 $200,000 Unlimited Unlimited $1,500 $50,000 $500 $3,000 Travel Insurance Direct International Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $4,000 Webjet Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $2,000 $10,000 $500 $500 Woolworths Comprehensive $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Worldcare Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $3,000 1300 Insurance Plan A Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 1 Direct Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $10,000 $500 $3,000 Australia Post International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $15,000 $500 $3,000 Citibank International - Essential $50,000 $40,000 Unlimited Unlimited Unlimited $10,000 N/A $3,500 Downunder Insurance Plan A - Comprehensive $20,000 $60,000 Unlimited Unlimited $1,500 $10,000 $1,000 $3,000 Downunder Insurance Plan C - Backpackers $5,000 $30,000 Unlimited Unlimited $1,500 $4,000 $500 $3,000 Fastcover Plan E - Standard Unlimited $30,000 Unlimited Unlimited $500 $10,000 N/A $3,000 GIO Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 itrek Platinum Unlimited $30,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 Kango L2 - Rock Wallaby $10,000 N/A $10,000,000 $5,000,000 $500 $3,000 N/A $250 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 77

Couple - International - China Fee Medical Medibank International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $16,000 $500 $3,000 NRMA International Essentials Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 Online Travel Insurance Plan A - Comprehensive $50,000 $50,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 OUCH A Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 QBE B Travel Unlimited $36,000 Unlimited Unlimited Unlimited $30,000 N/A $2,000 Real Insurance Basics - International $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 STA Travel Essentials - International Unlimited $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Travel Insuranz Classic $5,000 N/A $40,000,000 $20,000,000 $1,000 $5,000 $250 $500 Virgin Australia Comprehensive Unlimited $50,000 Unlimited Unlimited $4,000 $10,000 $500 $3,000 Virgin Money Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $400 $3,000 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $1,000 $6,000 N/A $3,000 Webjet Essentials - Plan B $10,000 $30,000 $10,000,000 $10,000,000 $2,000 $3,000 $250 $500 Woolworths Basic $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Allianz Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $500 $3,000 American Express Essentials -Single Trip International $20,000 N/A Unlimited Unlimited Unlimited $10,000 $0 $1,500 ANZ International Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 Aussie Travel Basic - Standard $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $250 $1,500 Australian Unity Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Big Sky Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $3,000 Budget Direct Plan A - Platinum Unlimited $40,000 Unlimited Unlimited $500 $10,000 $250 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 78

Couple - International - China Fee Medical Budget Direct Plan B - Silver $10,000 N/A Unlimited Unlimited $500 $6,000 N/A $3,000 BUPA International - Super Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 CGU Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $16,000 $500 $3,000 Citibank International - Elite Unlimited $200,000 Unlimited Unlimited Unlimited $60,000 $400 $3,500 Citibank International - Premium $100,000 $50,000 Unlimited Unlimited Unlimited $20,000 $400 $3,500 Columbus Direct Premier $30,000 $150,000 $40,000,000 $40,000,000 $4,000 $15,000 $2,000 $3,000 Columbus Direct Standard $20,000 $100,000 $25,000,000 $25,000,000 $2,000 $12,000 $1,000 $3,000 more Essentials - International $10,000 $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 more Travelsure - International $10,000 $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Fastcover Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Fastcover Plan D - Comprehensive with Snow C Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Go Insurance Go Basic - International $30,000 $40,000 $40,000,000 $20,000,000 $1,500 $15,000 $500 $2,000 Go Insurance Go Plus - International $50,000 $50,000 $40,000,000 $20,000,000 $3,000 $20,000 $1,000 $3,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $50,000 Unlimited Unlimited $4,000 $3,000 $1,000 $600 Greater Building Society Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $3,000 HBF Insurance Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 HBF Insurance Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 HCF Insurance Elements Plan $20,000 N/A $20,000,000 $20,000,000 20,000,00 $6,000 N/A $300 HCF Insurance International Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $500 $6,000 HSBC Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan A - Comprehensive Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Hume Building Society Plan D - Snow Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 itrek Gold $30,000 $30,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 79

Couple - International - China Fee Medical Kango L3 - Wallaby $12,500 N/A $10,000,000 $5,000,000 $500 $5,000 $250 $3,000 Kango L4 - Eastern Grey $12,500 N/A $25,000,000 $12,500,000 $1,000 $6,000 $500 $3,000 Kango L5 - Big Red $15,000 $50,000 Unlimited Unlimited $1,000 $7,500 $750 $3,000 multitrip.com.au International - Premier Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 $800 N/A My Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 nab Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 OUCH Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 People's Choice Credit Union Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 People's Choice Credit Union Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Priceline Protects International - Essential $10,000 N/A Unlimited Unlimited Unlimited $3,000 N/A $1,000 Priceline Protects International - Premium $20,000 $50,000 Unlimited Unlimited Unlimited $10,000 $400 $3,500 QBE A Travel Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 QBE Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 RAC Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACQ Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACV Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 Simply Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Ski Insurance Plan A - International Unlimited $50,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 St.George Bank Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 STA Travel Basic - International Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $1,000 STA Travel Comprehensive - International Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,500 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Travel Insuranz Deluxe $20,000 $60,000 $40,000,000 $20,000,000 $2,000 $15,000 $1,200 $3,000 Travel Insuranz Premier $10,000 $20,000 $40,000,000 $20,000,000 $1,000 $7,000 $300 $500 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 80

Couple - International - China Fee Medical Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $4,000 $10,000 N/A $3,000 Westpac Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 World Nomads Explorer Unlimited $25,000 Unlimited Unlimited $1,000 $20,000 $250 $2,000 World Nomads Standard $7,000 N/A $10,000,000 $1,000,000 $1,000 $4,000 N/A $500 AIG Silver (D12) Unlimited $50,000 Unlimited Unlimited $2,000 $30,000 $1,000 $3,000 Aussie Travel Plan A - Standard Unlimited $30,000 Unlimited Unlimited $1,000 $10,000 $250 $4,000 Australian Unity Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 Australian Unity Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 BUPA International - Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 CGU Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 CGU Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 CHI Travel Insurance Basic - International $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $500 $3,000 HBF Insurance Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 National Seniors International Basic $10,000 N/A Unlimited Unlimited $1,000 $10,000 $250 $4,000 National Seniors International Premium Unlimited $50,000 Unlimited Unlimited $500 $7,500 $250 N/A Onepath International Travel Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 People's Choice Credit Union Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 RAC Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 St.George Bank Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 St.George Bank Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Suresave Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $24,000 $500 $4,000 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 81

Couple - International - China Fee Medical BUPA International - Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 multitrip.com.au International - Essentials $6,000 $20,000 $20,000,000 $20,000,000 $2,000 $4,000 N/A N/A multitrip.com.au International - Premier $30,000 $40,000 Unlimited Unlimited $2,000 $15,000 $400 N/A RACQ Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACV Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 Suresave Budget $10,000 N/A Unlimited Unlimited $1,000 $10,000 $250 $4,000 Travellers Choice Basic - International Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $3,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 82

Couple - International - Fiji Fee Medical Downunder Insurance Plan C - Backpackers $5,000 $30,000 Unlimited Unlimited $1,500 $4,000 $500 $3,000 Good2Go Essentials Travel Insurance $20,000 N/A $10,000,000 $10,000,000 $1,000 $6,000 N/A $250 Insure and Go Gold Unlimited $100,000 Unlimited Unlimited $1,000 $16,000 $1,000 $3,000 Insure and Go Silver $30,000 $75,000 Unlimited Unlimited $1,000 $12,000 $500 $2,000 NRMA International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,000 Online Travel Insurance Plan A - Comprehensive $50,000 $50,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 Real Insurance Basics - International $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Real Insurance Comprehensive - International $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Southern Cross Travel Insuranc New Zealand / South Pacific $100,000 $200,000 Unlimited Unlimited $1,500 $50,000 $500 $3,000 Travel Insurance Direct International Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $4,000 Travel Insuranz Classic $5,000 N/A $40,000,000 $20,000,000 $1,000 $5,000 $250 $500 Worldcare Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $3,000 1300 Insurance Plan A Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 1 Direct Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $10,000 $500 $3,000 AAMI International Travel Unlimited $20,000 Unlimited Unlimited Unlimited $12,000 N/A $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $500 $3,000 American Express Essentials -Single Trip International $20,000 N/A Unlimited Unlimited Unlimited $10,000 $0 $1,500 Australia Post International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $15,000 $500 $3,000 Big Sky Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $3,000 Budget Direct Plan A - Platinum Unlimited $40,000 Unlimited Unlimited $500 $10,000 $250 $3,000 Columbus Direct Premier $30,000 $150,000 $40,000,000 $40,000,000 $4,000 $15,000 $2,000 $3,000 Columbus Direct Standard $20,000 $100,000 $25,000,000 $25,000,000 $2,000 $12,000 $1,000 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 83

Couple - International - Fiji Fee Medical Downunder Insurance Plan A - Comprehensive $20,000 $60,000 Unlimited Unlimited $1,500 $10,000 $1,000 $3,000 GIO Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $50,000 Unlimited Unlimited $4,000 $3,000 $1,000 $600 Greater Building Society Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $3,000 itrek Platinum Unlimited $30,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 Kango L2 - Rock Wallaby $10,000 N/A $10,000,000 $5,000,000 $500 $3,000 N/A $250 Medibank International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $16,000 $500 $3,000 NRMA International Essentials Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 OUCH C Travel Plan Unlimited $20,000 Unlimited Unlimited Unlimited $30,000 N/A $1,000 Simply Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Travel Insuranz Premier $10,000 $20,000 $40,000,000 $20,000,000 $1,000 $7,000 $300 $500 Virgin Australia Comprehensive Unlimited $50,000 Unlimited Unlimited $4,000 $10,000 $500 $3,000 Virgin Money Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $400 $3,000 Webjet Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $2,000 $10,000 $500 $500 Woolworths Comprehensive $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 AIG Bronze (E12) Unlimited $50,000 Unlimited Unlimited $2,000 $30,000 $1,000 $3,000 Allianz Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 ANZ International Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 Aussie Travel Basic - NZ/Indonesia/Fiji $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $250 $1,500 Australian Unity Economy Unlimited $20,000 $250,000 $250,000 $2,000 $7,000 N/A $500 Australian Unity Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 84

Couple - International - Fiji Fee Medical Budget Direct Plan B - Silver $10,000 N/A Unlimited Unlimited $500 $6,000 N/A $3,000 CGU Economy Unlimited $20,000 $250,000 $250,000 $2,000 $7,000 N/A $500 CGU Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 CHI Travel Insurance Basic - International $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $500 $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $16,000 $500 $3,000 Citibank International - Essential $50,000 $40,000 Unlimited Unlimited Unlimited $10,000 N/A $3,500 Citibank International - Premium $100,000 $50,000 Unlimited Unlimited Unlimited $20,000 $400 $3,500 more Travelsure - International $10,000 $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Fastcover Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Fastcover Plan E - Standard Unlimited $30,000 Unlimited Unlimited $500 $10,000 N/A $3,000 Go Insurance Go Basic - International $30,000 $40,000 $40,000,000 $20,000,000 $1,500 $15,000 $500 $2,000 Go Insurance Go Plus - International $50,000 $50,000 $40,000,000 $20,000,000 $3,000 $20,000 $1,000 $3,000 HBF Insurance Economy Unlimited $20,000 $250,000 $250,000 $2,000 $7,000 N/A $500 HBF Insurance Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 HBF Insurance Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 HCF Insurance Elements Plan $20,000 N/A $20,000,000 $20,000,000 20,000,00 $6,000 N/A $300 HCF Insurance International Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $500 $6,000 HSBC Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan A - Comprehensive Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Hume Building Society Plan D - Snow Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 itrek Gold $30,000 $30,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 Kango L3 - Wallaby $12,500 N/A $10,000,000 $5,000,000 $500 $5,000 $250 $3,000 Kango L4 - Eastern Grey $12,500 N/A $25,000,000 $12,500,000 $1,000 $6,000 $500 $3,000 Kango L5 - Big Red $15,000 $50,000 Unlimited Unlimited $1,000 $7,500 $750 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 85

Couple - International - Fiji Fee Medical My Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 nab Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 National Seniors International Basic $10,000 N/A Unlimited Unlimited $1,000 $10,000 $250 $4,000 National Seniors International Premium Unlimited $50,000 Unlimited Unlimited $500 $7,500 $250 N/A Onepath International Travel Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 OUCH A Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 OUCH B Travel Plan Unlimited $36,000 Unlimited Unlimited Unlimited $30,000 N/A $2,000 OUCH Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 People's Choice Credit Union Economy Unlimited $20,000 $250,000 $250,000 $2,000 $7,000 N/A $500 People's Choice Credit Union Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Priceline Protects International - Essential $10,000 N/A Unlimited Unlimited Unlimited $3,000 N/A $1,000 Priceline Protects International - Premium $20,000 $50,000 Unlimited Unlimited Unlimited $10,000 $400 $3,500 QBE A Travel Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 QBE B Travel Unlimited $36,000 Unlimited Unlimited Unlimited $30,000 N/A $2,000 QBE C Travel Unlimited $20,000 Unlimited Unlimited Unlimited $30,000 N/A $1,000 QBE Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 RAC Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACQ Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACV Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 Ski Insurance Plan A - International Unlimited $50,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 St.George Bank Economy Unlimited $20,000 $250,000 $250,000 $2,000 $7,000 N/A $500 St.George Bank Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 STA Travel Basic - International Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $1,000 STA Travel Comprehensive - International Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,500 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 86

Couple - International - Fiji Fee Medical STA Travel Essentials - International Unlimited $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Suresave Budget $10,000 N/A Unlimited Unlimited $1,000 $10,000 $250 $4,000 Suresave Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $24,000 $500 $4,000 Travel Insuranz Deluxe $20,000 $60,000 $40,000,000 $20,000,000 $2,000 $15,000 $1,200 $3,000 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $4,000 $10,000 N/A $3,000 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $1,000 $6,000 N/A $3,000 Webjet Essentials - Plan B $10,000 $30,000 $10,000,000 $10,000,000 $2,000 $3,000 $250 $500 Westpac Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Woolworths Basic $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Aussie Travel Plan A - NZ/Indonesia/Fiji Unlimited $20,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Australian Unity Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 BUPA International - Economy Unlimited $20,000 $250,000 $250,000 $2,000 $7,000 N/A $500 BUPA International - Super Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 CGU Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 CGU Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Citibank International - Elite Unlimited $200,000 Unlimited Unlimited Unlimited $60,000 $400 $3,500 more Essentials - International $10,000 $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 Fastcover Plan D - Comprehensive with Snow C Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 HBF Insurance Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 multitrip.com.au International - Premier Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 $800 N/A TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 87

Couple - International - Fiji Fee Medical People's Choice Credit Union Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 People's Choice Credit Union Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 RAC Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACQ Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACV Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 St.George Bank Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 St.George Bank Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 World Nomads Explorer Unlimited $25,000 Unlimited Unlimited $1,000 $20,000 $250 $2,000 Australian Unity Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 BUPA International - Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 BUPA International - Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 multitrip.com.au International - Essentials $6,000 $20,000 $20,000,000 $20,000,000 $2,000 $4,000 N/A N/A multitrip.com.au International - Premier $30,000 $40,000 Unlimited Unlimited $2,000 $15,000 $400 N/A Travellers Choice Basic - International Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $3,000 N/A $3,000 World Nomads Standard $7,000 N/A $10,000,000 $1,000,000 $1,000 $4,000 N/A $500 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 88

Couple - International - France Fee Medical AAMI International Travel Unlimited $20,000 Unlimited Unlimited Unlimited $12,000 N/A $3,000 Citibank International - Essential $50,000 $40,000 Unlimited Unlimited Unlimited $10,000 N/A $3,500 Downunder Insurance Plan C - Backpackers $5,000 $30,000 Unlimited Unlimited $1,500 $4,000 $500 $3,000 Good2Go Essentials Travel Insurance $20,000 N/A $10,000,000 $10,000,000 $1,000 $6,000 N/A $250 Insure and Go Gold Unlimited $100,000 Unlimited Unlimited $1,000 $16,000 $1,000 $3,000 NRMA International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,000 Online Travel Insurance Plan A - Comprehensive $50,000 $50,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 Southern Cross Travel Insuranc World $100,000 $200,000 Unlimited Unlimited $1,500 $50,000 $500 $3,000 Travel Insurance Direct International Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $4,000 Travel Insuranz Classic $5,000 N/A $40,000,000 $20,000,000 $1,000 $5,000 $250 $500 Worldcare Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $3,000 1300 Insurance Plan A Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Allianz Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Australia Post International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $15,000 $500 $3,000 Big Sky Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $3,000 Budget Direct Plan A - Platinum Unlimited $40,000 Unlimited Unlimited $500 $10,000 $250 $3,000 Downunder Insurance Plan A - Comprehensive $20,000 $60,000 Unlimited Unlimited $1,500 $10,000 $1,000 $3,000 Fastcover Plan E - Standard Unlimited $30,000 Unlimited Unlimited $500 $10,000 N/A $3,000 GIO Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Greater Building Society Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $3,000 Insure and Go Silver $30,000 $75,000 Unlimited Unlimited $1,000 $12,000 $500 $2,000 itrek Platinum Unlimited $30,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 89

Couple - International - France Fee Medical Medibank International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $16,000 $500 $3,000 My Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 NRMA International Essentials Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 OUCH A Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 QBE A Travel Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 Real Insurance Comprehensive - International $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Simply Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Virgin Money Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $400 $3,000 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $1,000 $6,000 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $2,000 $10,000 $500 $500 Woolworths Comprehensive $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 1 Direct Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $10,000 $500 $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $500 $3,000 American Express Essentials -Single Trip International $20,000 N/A Unlimited Unlimited Unlimited $10,000 $0 $1,500 Australian Unity Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Budget Direct Plan B - Silver $10,000 N/A Unlimited Unlimited $500 $6,000 N/A $3,000 BUPA International - Super Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 CGU Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Citibank International - Elite Unlimited $200,000 Unlimited Unlimited Unlimited $60,000 $400 $3,500 Citibank International - Premium $100,000 $50,000 Unlimited Unlimited Unlimited $20,000 $400 $3,500 Columbus Direct Premier $30,000 $150,000 $40,000,000 $40,000,000 $4,000 $15,000 $2,000 $3,000 Columbus Direct Standard $20,000 $100,000 $25,000,000 $25,000,000 $2,000 $12,000 $1,000 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 90

Couple - International - France Fee Medical more Essentials - International $10,000 $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 more Travelsure - International $10,000 $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Fastcover Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Fastcover Plan D - Comprehensive with Snow C Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Go Insurance Go Basic - International $30,000 $40,000 $40,000,000 $20,000,000 $1,500 $15,000 $500 $2,000 Go Insurance Go Plus - International $50,000 $50,000 $40,000,000 $20,000,000 $3,000 $20,000 $1,000 $3,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $50,000 Unlimited Unlimited $4,000 $3,000 $1,000 $600 HBF Insurance Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 HBF Insurance Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 HCF Insurance International Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $500 $6,000 HSBC Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan A - Comprehensive Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Hume Building Society Plan D - Snow Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 itrek Gold $30,000 $30,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 Kango L2 - Rock Wallaby $10,000 N/A $10,000,000 $5,000,000 $500 $3,000 N/A $250 Kango L3 - Wallaby $12,500 N/A $10,000,000 $5,000,000 $500 $5,000 $250 $3,000 Kango L4 - Eastern Grey $12,500 N/A $25,000,000 $12,500,000 $1,000 $6,000 $500 $3,000 Kango L5 - Big Red $15,000 $50,000 Unlimited Unlimited $1,000 $7,500 $750 $3,000 multitrip.com.au International - Premier Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 $800 N/A nab Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 OUCH Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 People's Choice Credit Union Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 People's Choice Credit Union Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Priceline Protects International - Essential $10,000 N/A Unlimited Unlimited Unlimited $3,000 N/A $1,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 91

Couple - International - France Fee Medical Priceline Protects International - Premium $20,000 $50,000 Unlimited Unlimited Unlimited $10,000 $400 $3,500 QBE Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 RAC Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACQ Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 Real Insurance Basics - International $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Ski Insurance Plan A - International Unlimited $50,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 St.George Bank Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 STA Travel Basic - International Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $1,000 STA Travel Comprehensive - International Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,500 STA Travel Essentials - International Unlimited $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Travel Insuranz Deluxe $20,000 $60,000 $40,000,000 $20,000,000 $2,000 $15,000 $1,200 $3,000 Travel Insuranz Premier $10,000 $20,000 $40,000,000 $20,000,000 $1,000 $7,000 $300 $500 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 Virgin Australia Comprehensive Unlimited $50,000 Unlimited Unlimited $4,000 $10,000 $500 $3,000 Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $4,000 $10,000 N/A $3,000 Webjet Essentials - Plan B $10,000 $30,000 $10,000,000 $10,000,000 $2,000 $3,000 $250 $500 Westpac Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Woolworths Basic $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 World Nomads Explorer Unlimited $25,000 Unlimited Unlimited $1,000 $20,000 $250 $2,000 World Nomads Standard $7,000 N/A $10,000,000 $1,000,000 $1,000 $4,000 N/A $500 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 92

Couple - International - France Fee Medical AIG Gold (C12) Unlimited $50,000 Unlimited Unlimited $2,000 $30,000 $1,000 $3,000 ANZ International Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 Aussie Travel Basic - Super $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $250 $1,500 Aussie Travel Plan A - Super Unlimited $50,000 Unlimited Unlimited $1,000 $16,000 $250 $4,000 Australian Unity Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 BUPA International - Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 CGU Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 CHI Travel Insurance Basic - International $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $500 $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $16,000 $500 $3,000 HCF Insurance Elements Plan $20,000 N/A $20,000,000 $20,000,000 20,000,00 $6,000 N/A $300 multitrip.com.au International - Premier $30,000 $40,000 Unlimited Unlimited $2,000 $15,000 $400 N/A National Seniors International Basic $10,000 N/A Unlimited Unlimited $1,000 $10,000 $250 $4,000 National Seniors International Premium Unlimited $50,000 Unlimited Unlimited $500 $7,500 $250 N/A Onepath International Travel Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 RAC Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACV Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 St.George Bank Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Suresave Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $24,000 $500 $4,000 multitrip.com.au International - Essentials $6,000 $20,000 $20,000,000 $20,000,000 $2,000 $4,000 N/A N/A RACQ Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACV Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 Suresave Budget $10,000 N/A Unlimited Unlimited $1,000 $10,000 $250 $4,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 93

Couple - International - France Fee Medical Travellers Choice Basic - International Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $3,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 94

Couple - International - Japan Fee Medical 1300 Insurance Plan A Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Insure and Go Gold Unlimited $100,000 Unlimited Unlimited $1,000 $16,000 $1,000 $3,000 Insure and Go Silver $30,000 $75,000 Unlimited Unlimited $1,000 $12,000 $500 $2,000 NRMA International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,000 Real Insurance Basics - International $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Real Insurance Comprehensive - International $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Travel Insurance Direct International Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $4,000 Travel Insuranz Classic $5,000 N/A $40,000,000 $20,000,000 $1,000 $5,000 $250 $500 Woolworths Basic $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Woolworths Comprehensive $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Worldcare Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $3,000 AAMI International Travel Unlimited $20,000 Unlimited Unlimited Unlimited $12,000 N/A $3,000 Australia Post International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $15,000 $500 $3,000 Big Sky Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $3,000 Citibank International - Essential $50,000 $40,000 Unlimited Unlimited Unlimited $10,000 N/A $3,500 Downunder Insurance Plan C - Backpackers $5,000 $30,000 Unlimited Unlimited $1,500 $4,000 $500 $3,000 Good2Go Essentials Travel Insurance $20,000 N/A $10,000,000 $10,000,000 $1,000 $6,000 N/A $250 Greater Building Society Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $3,000 Medibank International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $16,000 $500 $3,000 My Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 NRMA International Essentials Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 Online Travel Insurance Plan A - Comprehensive $50,000 $50,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 95

Couple - International - Japan Fee Medical OUCH A Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 Priceline Protects International - Premium $20,000 $50,000 Unlimited Unlimited Unlimited $10,000 $400 $3,500 QBE A Travel Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 Simply Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Southern Cross Travel Insuranc Superworld $100,000 $200,000 Unlimited Unlimited $1,500 $50,000 $500 $3,000 Virgin Australia Comprehensive Unlimited $50,000 Unlimited Unlimited $4,000 $10,000 $500 $3,000 Virgin Money Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $400 $3,000 World Nomads Explorer Unlimited $25,000 Unlimited Unlimited $1,000 $20,000 $250 $2,000 World Nomads Standard $7,000 N/A $10,000,000 $1,000,000 $1,000 $4,000 N/A $500 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 1 Direct Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $10,000 $500 $3,000 Allianz Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $500 $3,000 American Express Essentials -Single Trip International $20,000 N/A Unlimited Unlimited Unlimited $10,000 $0 $1,500 ANZ International Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 Budget Direct Plan A - Platinum Unlimited $40,000 Unlimited Unlimited $500 $10,000 $250 $3,000 Budget Direct Plan B - Silver $10,000 N/A Unlimited Unlimited $500 $6,000 N/A $3,000 Citibank International - Elite Unlimited $200,000 Unlimited Unlimited Unlimited $60,000 $400 $3,500 Citibank International - Premium $100,000 $50,000 Unlimited Unlimited Unlimited $20,000 $400 $3,500 Columbus Direct Premier $30,000 $150,000 $40,000,000 $40,000,000 $4,000 $15,000 $2,000 $3,000 Columbus Direct Standard $20,000 $100,000 $25,000,000 $25,000,000 $2,000 $12,000 $1,000 $3,000 more Essentials - International $10,000 $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 96

Couple - International - Japan Fee Medical more Travelsure - International $10,000 $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Downunder Insurance Plan A - Comprehensive $20,000 $60,000 Unlimited Unlimited $1,500 $10,000 $1,000 $3,000 Fastcover Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Fastcover Plan D - Comprehensive with Snow C Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Fastcover Plan E - Standard Unlimited $30,000 Unlimited Unlimited $500 $10,000 N/A $3,000 GIO Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Go Insurance Go Basic - International $30,000 $40,000 $40,000,000 $20,000,000 $1,500 $15,000 $500 $2,000 Go Insurance Go Plus - International $50,000 $50,000 $40,000,000 $20,000,000 $3,000 $20,000 $1,000 $3,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $50,000 Unlimited Unlimited $4,000 $3,000 $1,000 $600 HBF Insurance Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 HCF Insurance Elements Plan $20,000 N/A $20,000,000 $20,000,000 20,000,00 $6,000 N/A $300 HCF Insurance International Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $500 $6,000 HSBC Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan A - Comprehensive Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 itrek Gold $30,000 $30,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 itrek Platinum Unlimited $30,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 Kango L2 - Rock Wallaby $10,000 N/A $10,000,000 $5,000,000 $500 $3,000 N/A $250 multitrip.com.au International - Premier Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 $800 N/A nab Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 National Seniors International Premium Unlimited $50,000 Unlimited Unlimited $500 $7,500 $250 N/A OUCH Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 People's Choice Credit Union Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Priceline Protects International - Essential $10,000 N/A Unlimited Unlimited Unlimited $3,000 N/A $1,000 QBE Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 97

Couple - International - Japan Fee Medical RAC Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RAC Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACQ Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACV Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 St.George Bank Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 STA Travel Basic - International Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $1,000 STA Travel Comprehensive - International Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,500 STA Travel Essentials - International Unlimited $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Travel Insuranz Deluxe $20,000 $60,000 $40,000,000 $20,000,000 $2,000 $15,000 $1,200 $3,000 Travel Insuranz Premier $10,000 $20,000 $40,000,000 $20,000,000 $1,000 $7,000 $300 $500 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $4,000 $10,000 N/A $3,000 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $1,000 $6,000 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $2,000 $10,000 $500 $500 Webjet Essentials - Plan B $10,000 $30,000 $10,000,000 $10,000,000 $2,000 $3,000 $250 $500 Westpac Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 AIG Gold (C12) Unlimited $50,000 Unlimited Unlimited $2,000 $30,000 $1,000 $3,000 Aussie Travel Basic - Super $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $250 $1,500 Aussie Travel Plan A - Super Unlimited $50,000 Unlimited Unlimited $1,000 $16,000 $250 $4,000 Australian Unity Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 BUPA International - Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 98

Couple - International - Japan Fee Medical CGU Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 CHI Travel Insurance Basic - International $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $500 $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $16,000 $500 $3,000 Hume Building Society Plan D - Snow Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Kango L3 - Wallaby $12,500 N/A $10,000,000 $5,000,000 $500 $5,000 $250 $3,000 multitrip.com.au International - Premier $30,000 $40,000 Unlimited Unlimited $2,000 $15,000 $400 N/A National Seniors International Basic $10,000 N/A Unlimited Unlimited $1,000 $10,000 $250 $4,000 Onepath International Travel Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 Ski Insurance Plan A - International Unlimited $50,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 Suresave Budget $10,000 N/A Unlimited Unlimited $1,000 $10,000 $250 $4,000 Suresave Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $24,000 $500 $4,000 Kango L4 - Eastern Grey $12,500 N/A $25,000,000 $12,500,000 $1,000 $6,000 $500 $3,000 Kango L5 - Big Red $15,000 $50,000 Unlimited Unlimited $1,000 $7,500 $750 $3,000 multitrip.com.au International - Essentials $6,000 $20,000 $20,000,000 $20,000,000 $2,000 $4,000 N/A N/A RACQ Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACV Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 Travellers Choice Basic - International Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $3,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 99

Couple - International - New Zealand Fee Medical Downunder Insurance Plan C - Backpackers $5,000 $30,000 Unlimited Unlimited $1,500 $4,000 $500 $3,000 Good2Go Essentials Travel Insurance $20,000 N/A $10,000,000 $10,000,000 $1,000 $6,000 N/A $250 Insure and Go Gold Unlimited $100,000 Unlimited Unlimited $1,000 $16,000 $1,000 $3,000 Insure and Go Silver $30,000 $75,000 Unlimited Unlimited $1,000 $12,000 $500 $2,000 NRMA International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,000 Online Travel Insurance Plan A - Comprehensive $50,000 $50,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 Real Insurance Basics - International $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Real Insurance Comprehensive - International $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Southern Cross Travel Insuranc New Zealand / South Pacific $100,000 $200,000 Unlimited Unlimited $1,500 $50,000 $500 $3,000 Travel Insurance Direct International Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $4,000 Travel Insuranz Classic $5,000 N/A $40,000,000 $20,000,000 $1,000 $5,000 $250 $500 Worldcare Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $3,000 1300 Insurance Plan A Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 1 Direct Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $10,000 $500 $3,000 AAMI International Travel Unlimited $20,000 Unlimited Unlimited Unlimited $12,000 N/A $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $500 $3,000 American Express Essentials -Single Trip International $20,000 N/A Unlimited Unlimited Unlimited $10,000 $0 $1,500 Australia Post International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $15,000 $500 $3,000 Big Sky Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $3,000 Budget Direct Plan A - Platinum Unlimited $40,000 Unlimited Unlimited $500 $10,000 $250 $3,000 Columbus Direct Premier $30,000 $150,000 $40,000,000 $40,000,000 $4,000 $15,000 $2,000 $3,000 Columbus Direct Standard $20,000 $100,000 $25,000,000 $25,000,000 $2,000 $12,000 $1,000 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 100

Couple - International - New Zealand Fee Medical Downunder Insurance Plan A - Comprehensive $20,000 $60,000 Unlimited Unlimited $1,500 $10,000 $1,000 $3,000 GIO Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $50,000 Unlimited Unlimited $4,000 $3,000 $1,000 $600 Greater Building Society Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $3,000 HCF Insurance International Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $500 $6,000 itrek Platinum Unlimited $30,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 Kango L2 - Rock Wallaby $10,000 N/A $10,000,000 $5,000,000 $500 $3,000 N/A $250 Medibank International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $16,000 $500 $3,000 NRMA International Essentials Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 OUCH C Travel Plan Unlimited $20,000 Unlimited Unlimited Unlimited $30,000 N/A $1,000 Simply Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Travel Insuranz Premier $10,000 $20,000 $40,000,000 $20,000,000 $1,000 $7,000 $300 $500 Virgin Money Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $400 $3,000 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $1,000 $6,000 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $2,000 $10,000 $500 $500 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 AIG Bronze (E12) Unlimited $50,000 Unlimited Unlimited $2,000 $30,000 $1,000 $3,000 Allianz Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 ANZ International Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 Aussie Travel Basic - NZ/Indonesia/Fiji $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $250 $1,500 Australian Unity Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Budget Direct Plan B - Silver $10,000 N/A Unlimited Unlimited $500 $6,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 101

Couple - International - New Zealand Fee Medical CGU Economy Unlimited $20,000 $250,000 $250,000 $2,000 $7,000 N/A $500 CGU Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 CHI Travel Insurance Basic - International $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $500 $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $16,000 $500 $3,000 Citibank International - Essential $50,000 $40,000 Unlimited Unlimited Unlimited $10,000 N/A $3,500 Citibank International - Premium $100,000 $50,000 Unlimited Unlimited Unlimited $20,000 $400 $3,500 more Travelsure - International $10,000 $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Fastcover Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Fastcover Plan E - Standard Unlimited $30,000 Unlimited Unlimited $500 $10,000 N/A $3,000 Go Insurance Go Basic - International $30,000 $40,000 $40,000,000 $20,000,000 $1,500 $15,000 $500 $2,000 Go Insurance Go Plus - International $50,000 $50,000 $40,000,000 $20,000,000 $3,000 $20,000 $1,000 $3,000 HBF Insurance Economy Unlimited $20,000 $250,000 $250,000 $2,000 $7,000 N/A $500 HBF Insurance Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 HCF Insurance Elements Plan $20,000 N/A $20,000,000 $20,000,000 20,000,00 $6,000 N/A $300 HSBC Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan A - Comprehensive Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Hume Building Society Plan D - Snow Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 itrek Gold $30,000 $30,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 Kango L3 - Wallaby $12,500 N/A $10,000,000 $5,000,000 $500 $5,000 $250 $3,000 Kango L4 - Eastern Grey $12,500 N/A $25,000,000 $12,500,000 $1,000 $6,000 $500 $3,000 Kango L5 - Big Red $15,000 $50,000 Unlimited Unlimited $1,000 $7,500 $750 $3,000 multitrip.com.au International - Premier $30,000 $40,000 Unlimited Unlimited $2,000 $15,000 $400 N/A multitrip.com.au International - Premier Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 $800 N/A My Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 102

Couple - International - New Zealand Fee Medical nab Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 National Seniors International Basic $10,000 N/A Unlimited Unlimited $1,000 $10,000 $250 $4,000 National Seniors International Premium Unlimited $50,000 Unlimited Unlimited $500 $7,500 $250 N/A Onepath International Travel Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 OUCH A Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 OUCH B Travel Plan Unlimited $36,000 Unlimited Unlimited Unlimited $30,000 N/A $2,000 OUCH Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 People's Choice Credit Union Economy Unlimited $20,000 $250,000 $250,000 $2,000 $7,000 N/A $500 People's Choice Credit Union Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Priceline Protects International - Essential $10,000 N/A Unlimited Unlimited Unlimited $3,000 N/A $1,000 Priceline Protects International - Premium $20,000 $50,000 Unlimited Unlimited Unlimited $10,000 $400 $3,500 QBE A Travel Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 QBE B Travel Unlimited $36,000 Unlimited Unlimited Unlimited $30,000 N/A $2,000 QBE C Travel Unlimited $20,000 Unlimited Unlimited Unlimited $30,000 N/A $1,000 QBE Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 RAC Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACQ Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACV Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 Ski Insurance Plan A - International Unlimited $50,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 St.George Bank Economy Unlimited $20,000 $250,000 $250,000 $2,000 $7,000 N/A $500 St.George Bank Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 STA Travel Basic - International Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $1,000 STA Travel Comprehensive - International Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,500 STA Travel Essentials - International Unlimited $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 103

Couple - International - New Zealand Fee Medical Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Suresave Budget $10,000 N/A Unlimited Unlimited $1,000 $10,000 $250 $4,000 Suresave Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $24,000 $500 $4,000 Travel Insuranz Deluxe $20,000 $60,000 $40,000,000 $20,000,000 $2,000 $15,000 $1,200 $3,000 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 Virgin Australia Comprehensive Unlimited $50,000 Unlimited Unlimited $4,000 $10,000 $500 $3,000 Webjet Essentials - Plan B $10,000 $30,000 $10,000,000 $10,000,000 $2,000 $3,000 $250 $500 Westpac Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Woolworths Basic $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Woolworths Comprehensive $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Aussie Travel Plan A - NZ/Indonesia/Fiji Unlimited $20,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Australian Unity Economy Unlimited $20,000 $250,000 $250,000 $2,000 $7,000 N/A $500 Australian Unity Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 BUPA International - Economy Unlimited $20,000 $250,000 $250,000 $2,000 $7,000 N/A $500 BUPA International - Super Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 CGU Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 CGU Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Citibank International - Elite Unlimited $200,000 Unlimited Unlimited Unlimited $60,000 $400 $3,500 Fastcover Plan D - Comprehensive with Snow C Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 HBF Insurance Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 HBF Insurance Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 multitrip.com.au International - Essentials $6,000 $20,000 $20,000,000 $20,000,000 $2,000 $4,000 N/A N/A TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 104

Couple - International - New Zealand Fee Medical People's Choice Credit Union Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 People's Choice Credit Union Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 RAC Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACQ Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACV Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 St.George Bank Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 St.George Bank Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 World Nomads Explorer Unlimited $25,000 Unlimited Unlimited $1,000 $20,000 $250 $2,000 Australian Unity Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 BUPA International - Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 BUPA International - Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 more Essentials - International $10,000 $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 Travellers Choice Basic - International Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $3,000 N/A $3,000 World Nomads Standard $7,000 N/A $10,000,000 $1,000,000 $1,000 $4,000 N/A $500 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 105

Couple - International - South Africa Fee Medical Downunder Insurance Plan C - Backpackers $5,000 $30,000 Unlimited Unlimited $1,500 $4,000 $500 $3,000 Good2Go Essentials Travel Insurance $20,000 N/A $10,000,000 $10,000,000 $1,000 $6,000 N/A $250 Insure and Go Gold Unlimited $100,000 Unlimited Unlimited $1,000 $16,000 $1,000 $3,000 Insure and Go Silver $30,000 $75,000 Unlimited Unlimited $1,000 $12,000 $500 $2,000 OUCH A Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 Real Insurance Comprehensive - International $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Southern Cross Travel Insuranc World $100,000 $200,000 Unlimited Unlimited $1,500 $50,000 $500 $3,000 Travel Insurance Direct International Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $4,000 Travel Insuranz Classic $5,000 N/A $40,000,000 $20,000,000 $1,000 $5,000 $250 $500 Virgin Money Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $400 $3,000 Woolworths Comprehensive $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 1300 Insurance Plan A Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 AAMI International Travel Unlimited $20,000 Unlimited Unlimited Unlimited $12,000 N/A $3,000 Citibank International - Essential $50,000 $40,000 Unlimited Unlimited Unlimited $10,000 N/A $3,500 Citibank International - Premium $100,000 $50,000 Unlimited Unlimited Unlimited $20,000 $400 $3,500 Downunder Insurance Plan A - Comprehensive $20,000 $60,000 Unlimited Unlimited $1,500 $10,000 $1,000 $3,000 Fastcover Plan E - Standard Unlimited $30,000 Unlimited Unlimited $500 $10,000 N/A $3,000 GIO Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Go Insurance Go Basic - International $30,000 $40,000 $40,000,000 $20,000,000 $1,500 $15,000 $500 $2,000 Go Insurance Go Plus - International $50,000 $50,000 $40,000,000 $20,000,000 $3,000 $20,000 $1,000 $3,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $50,000 Unlimited Unlimited $4,000 $3,000 $1,000 $600 itrek Platinum Unlimited $30,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 106

Couple - International - South Africa Fee Medical Kango L2 - Rock Wallaby $10,000 N/A $10,000,000 $5,000,000 $500 $3,000 N/A $250 Kango L3 - Wallaby $12,500 N/A $10,000,000 $5,000,000 $500 $5,000 $250 $3,000 My Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 NRMA International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,000 QBE A Travel Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 Real Insurance Basics - International $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Travel Insuranz Premier $10,000 $20,000 $40,000,000 $20,000,000 $1,000 $7,000 $300 $500 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $1,000 $6,000 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $2,000 $10,000 $500 $500 Woolworths Basic $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Worldcare Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $3,000 1 Direct Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $10,000 $500 $3,000 AIG Gold (C12) Unlimited $50,000 Unlimited Unlimited $2,000 $30,000 $1,000 $3,000 Allianz Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $500 $3,000 American Express Essentials -Single Trip International $20,000 N/A Unlimited Unlimited Unlimited $10,000 $0 $1,500 ANZ International Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 Australia Post International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $15,000 $500 $3,000 Australian Unity Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Big Sky Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $3,000 Budget Direct Plan A - Platinum Unlimited $40,000 Unlimited Unlimited $500 $10,000 $250 $3,000 Budget Direct Plan B - Silver $10,000 N/A Unlimited Unlimited $500 $6,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 107

Couple - International - South Africa Fee Medical BUPA International - Super Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 CGU Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 CGU Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Citibank International - Elite Unlimited $200,000 Unlimited Unlimited Unlimited $60,000 $400 $3,500 Columbus Direct Premier $30,000 $150,000 $40,000,000 $40,000,000 $4,000 $15,000 $2,000 $3,000 Columbus Direct Standard $20,000 $100,000 $25,000,000 $25,000,000 $2,000 $12,000 $1,000 $3,000 more Travelsure - International $10,000 $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Fastcover Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Fastcover Plan D - Comprehensive with Snow C Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Greater Building Society Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $3,000 HBF Insurance Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 HBF Insurance Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 HCF Insurance International Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $500 $6,000 Hume Building Society Plan A - Comprehensive Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Hume Building Society Plan D - Snow Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 itrek Gold $30,000 $30,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 Kango L4 - Eastern Grey $12,500 N/A $25,000,000 $12,500,000 $1,000 $6,000 $500 $3,000 Kango L5 - Big Red $15,000 $50,000 Unlimited Unlimited $1,000 $7,500 $750 $3,000 Medibank International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $16,000 $500 $3,000 multitrip.com.au International - Premier Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 $800 N/A National Seniors International Premium Unlimited $50,000 Unlimited Unlimited $500 $7,500 $250 N/A NRMA International Essentials Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 Onepath International Travel Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 Online Travel Insurance Plan A - Comprehensive $50,000 $50,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 108

Couple - International - South Africa Fee Medical OUCH Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 People's Choice Credit Union Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 People's Choice Credit Union Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Priceline Protects International - Essential $10,000 N/A Unlimited Unlimited Unlimited $3,000 N/A $1,000 Priceline Protects International - Premium $20,000 $50,000 Unlimited Unlimited Unlimited $10,000 $400 $3,500 QBE Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 RAC Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 Simply Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Ski Insurance Plan A - International Unlimited $50,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 St.George Bank Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 St.George Bank Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 STA Travel Comprehensive - International Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,500 STA Travel Essentials - International Unlimited $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Travel Insuranz Deluxe $20,000 $60,000 $40,000,000 $20,000,000 $2,000 $15,000 $1,200 $3,000 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 Virgin Australia Comprehensive Unlimited $50,000 Unlimited Unlimited $4,000 $10,000 $500 $3,000 Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $4,000 $10,000 N/A $3,000 Webjet Essentials - Plan B $10,000 $30,000 $10,000,000 $10,000,000 $2,000 $3,000 $250 $500 Westpac Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 World Nomads Explorer Unlimited $25,000 Unlimited Unlimited $1,000 $20,000 $250 $2,000 World Nomads Standard $7,000 N/A $10,000,000 $1,000,000 $1,000 $4,000 N/A $500 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 109

Couple - International - South Africa Fee Medical Aussie Travel Plan A - Super Plus Unlimited $50,000 Unlimited Unlimited $1,000 $20,000 $250 $4,000 Australian Unity Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 BUPA International - Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $16,000 $500 $3,000 more Essentials - International $10,000 $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 HCF Insurance Elements Plan $20,000 N/A $20,000,000 $20,000,000 20,000,00 $6,000 N/A $300 HSBC Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 multitrip.com.au International - Premier $30,000 $40,000 Unlimited Unlimited $2,000 $15,000 $400 N/A nab Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 National Seniors International Basic $10,000 N/A Unlimited Unlimited $1,000 $10,000 $250 $4,000 RAC Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACQ Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACV Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 STA Travel Basic - International Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $1,000 Suresave Budget $10,000 N/A Unlimited Unlimited $1,000 $10,000 $250 $4,000 Suresave Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $24,000 $500 $4,000 Aussie Travel Basic - Super Plus $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $250 $1,500 CHI Travel Insurance Basic - International $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $500 $3,000 multitrip.com.au International - Essentials $6,000 $20,000 $20,000,000 $20,000,000 $2,000 $4,000 N/A N/A RACQ Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACV Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 Travellers Choice Basic - International Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $3,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 110

Couple - International - Thailand Fee Medical AAMI International Travel Unlimited $20,000 Unlimited Unlimited Unlimited $12,000 N/A $3,000 Budget Direct Plan A - Platinum Unlimited $40,000 Unlimited Unlimited $500 $10,000 $250 $3,000 Citibank International - Essential $50,000 $40,000 Unlimited Unlimited Unlimited $10,000 N/A $3,500 Good2Go Essentials Travel Insurance $20,000 N/A $10,000,000 $10,000,000 $1,000 $6,000 N/A $250 Insure and Go Gold Unlimited $100,000 Unlimited Unlimited $1,000 $16,000 $1,000 $3,000 Insure and Go Silver $30,000 $75,000 Unlimited Unlimited $1,000 $12,000 $500 $2,000 My Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 OUCH B Travel Plan Unlimited $36,000 Unlimited Unlimited Unlimited $30,000 N/A $2,000 Real Insurance Comprehensive - International $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Southern Cross Travel Insuranc World $100,000 $200,000 Unlimited Unlimited $1,500 $50,000 $500 $3,000 Travel Insurance Direct International Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $4,000 Woolworths Comprehensive $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Worldcare Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $3,000 1300 Insurance Plan A Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $500 $3,000 Australia Post International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $15,000 $500 $3,000 Budget Direct Plan B - Silver $10,000 N/A Unlimited Unlimited $500 $6,000 N/A $3,000 Citibank International - Premium $100,000 $50,000 Unlimited Unlimited Unlimited $20,000 $400 $3,500 Downunder Insurance Plan A - Comprehensive $20,000 $60,000 Unlimited Unlimited $1,500 $10,000 $1,000 $3,000 Downunder Insurance Plan C - Backpackers $5,000 $30,000 Unlimited Unlimited $1,500 $4,000 $500 $3,000 Fastcover Plan E - Standard Unlimited $30,000 Unlimited Unlimited $500 $10,000 N/A $3,000 GIO Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 111

Couple - International - Thailand Fee Medical Medibank International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $16,000 $500 $3,000 NRMA International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,000 Online Travel Insurance Plan A - Comprehensive $50,000 $50,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 OUCH A Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 Priceline Protects International - Essential $10,000 N/A Unlimited Unlimited Unlimited $3,000 N/A $1,000 Priceline Protects International - Premium $20,000 $50,000 Unlimited Unlimited Unlimited $10,000 $400 $3,500 QBE B Travel Unlimited $36,000 Unlimited Unlimited Unlimited $30,000 N/A $2,000 Real Insurance Basics - International $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Travel Insuranz Classic $5,000 N/A $40,000,000 $20,000,000 $1,000 $5,000 $250 $500 Virgin Money Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $400 $3,000 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $1,000 $6,000 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $2,000 $10,000 $500 $500 Webjet Essentials - Plan B $10,000 $30,000 $10,000,000 $10,000,000 $2,000 $3,000 $250 $500 Woolworths Basic $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 1 Direct Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $10,000 $500 $3,000 Allianz Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 American Express Essentials -Single Trip International $20,000 N/A Unlimited Unlimited Unlimited $10,000 $0 $1,500 ANZ International Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 Australian Unity Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Big Sky Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $3,000 BUPA International - Super Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 CGU Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 112

Couple - International - Thailand Fee Medical CHI Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $16,000 $500 $3,000 Citibank International - Elite Unlimited $200,000 Unlimited Unlimited Unlimited $60,000 $400 $3,500 Columbus Direct Premier $30,000 $150,000 $40,000,000 $40,000,000 $4,000 $15,000 $2,000 $3,000 Columbus Direct Standard $20,000 $100,000 $25,000,000 $25,000,000 $2,000 $12,000 $1,000 $3,000 more Essentials - International $10,000 $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 more Travelsure - International $10,000 $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Fastcover Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Fastcover Plan D - Comprehensive with Snow C Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Go Insurance Go Basic - International $30,000 $40,000 $40,000,000 $20,000,000 $1,500 $15,000 $500 $2,000 Go Insurance Go Plus - International $50,000 $50,000 $40,000,000 $20,000,000 $3,000 $20,000 $1,000 $3,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $50,000 Unlimited Unlimited $4,000 $3,000 $1,000 $600 Greater Building Society Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $3,000 HBF Insurance Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 HBF Insurance Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 HCF Insurance Elements Plan $20,000 N/A $20,000,000 $20,000,000 20,000,00 $6,000 N/A $300 HCF Insurance International Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $500 $6,000 HSBC Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan A - Comprehensive Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Hume Building Society Plan D - Snow Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 itrek Gold $30,000 $30,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 itrek Platinum Unlimited $30,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 Kango L2 - Rock Wallaby $10,000 N/A $10,000,000 $5,000,000 $500 $3,000 N/A $250 Kango L3 - Wallaby $12,500 N/A $10,000,000 $5,000,000 $500 $5,000 $250 $3,000 Kango L4 - Eastern Grey $12,500 N/A $25,000,000 $12,500,000 $1,000 $6,000 $500 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 113

Couple - International - Thailand Fee Medical Kango L5 - Big Red $15,000 $50,000 Unlimited Unlimited $1,000 $7,500 $750 $3,000 multitrip.com.au International - Premier Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 $800 N/A nab Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 NRMA International Essentials Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 OUCH Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 People's Choice Credit Union Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 People's Choice Credit Union Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 QBE A Travel Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 QBE Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 RAC Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACQ Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACV Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 Simply Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Ski Insurance Plan A - International Unlimited $50,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 St.George Bank Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 STA Travel Basic - International Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $1,000 STA Travel Comprehensive - International Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,500 STA Travel Essentials - International Unlimited $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Travel Insuranz Deluxe $20,000 $60,000 $40,000,000 $20,000,000 $2,000 $15,000 $1,200 $3,000 Travel Insuranz Premier $10,000 $20,000 $40,000,000 $20,000,000 $1,000 $7,000 $300 $500 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 Virgin Australia Comprehensive Unlimited $50,000 Unlimited Unlimited $4,000 $10,000 $500 $3,000 Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $4,000 $10,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 114

Couple - International - Thailand Fee Medical Westpac Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 World Nomads Explorer Unlimited $25,000 Unlimited Unlimited $1,000 $20,000 $250 $2,000 World Nomads Standard $7,000 N/A $10,000,000 $1,000,000 $1,000 $4,000 N/A $500 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 AIG Silver (D12) Unlimited $50,000 Unlimited Unlimited $2,000 $30,000 $1,000 $3,000 Aussie Travel Basic - Standard $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $250 $1,500 Aussie Travel Plan A - Standard Unlimited $30,000 Unlimited Unlimited $1,000 $10,000 $250 $4,000 Australian Unity Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 Australian Unity Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 BUPA International - Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 CGU Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 CGU Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 CHI Travel Insurance Basic - International $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $500 $3,000 HBF Insurance Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 multitrip.com.au International - Premier $30,000 $40,000 Unlimited Unlimited $2,000 $15,000 $400 N/A National Seniors International Basic $10,000 N/A Unlimited Unlimited $1,000 $10,000 $250 $4,000 National Seniors International Premium Unlimited $50,000 Unlimited Unlimited $500 $7,500 $250 N/A Onepath International Travel Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 People's Choice Credit Union Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 RAC Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 St.George Bank Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 St.George Bank Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 115

Couple - International - Thailand Fee Medical Suresave Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $24,000 $500 $4,000 BUPA International - Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 multitrip.com.au International - Essentials $6,000 $20,000 $20,000,000 $20,000,000 $2,000 $4,000 N/A N/A RACQ Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACV Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 Suresave Budget $10,000 N/A Unlimited Unlimited $1,000 $10,000 $250 $4,000 Travellers Choice Basic - International Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $3,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 116

Couple - International - United Kingdon Fee Medical AAMI International Travel Unlimited $20,000 Unlimited Unlimited Unlimited $12,000 N/A $3,000 Downunder Insurance Plan C - Backpackers $5,000 $30,000 Unlimited Unlimited $1,500 $4,000 $500 $3,000 Good2Go Essentials Travel Insurance $20,000 N/A $10,000,000 $10,000,000 $1,000 $6,000 N/A $250 NRMA International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,000 Online Travel Insurance Plan A - Comprehensive $50,000 $50,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 OUCH B Travel Plan Unlimited $36,000 Unlimited Unlimited Unlimited $30,000 N/A $2,000 Real Insurance Comprehensive - International $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Southern Cross Travel Insuranc World $100,000 $200,000 Unlimited Unlimited $1,500 $50,000 $500 $3,000 Travel Insurance Direct International Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $4,000 Woolworths Comprehensive $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Worldcare Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $3,000 1300 Insurance Plan A Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Allianz Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Australia Post International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $15,000 $500 $3,000 Big Sky Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $3,000 Budget Direct Plan A - Platinum Unlimited $40,000 Unlimited Unlimited $500 $10,000 $250 $3,000 Citibank International - Essential $50,000 $40,000 Unlimited Unlimited Unlimited $10,000 N/A $3,500 Downunder Insurance Plan A - Comprehensive $20,000 $60,000 Unlimited Unlimited $1,500 $10,000 $1,000 $3,000 GIO Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Greater Building Society Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $3,000 Insure and Go Gold Unlimited $100,000 Unlimited Unlimited $1,000 $16,000 $1,000 $3,000 Insure and Go Silver $30,000 $75,000 Unlimited Unlimited $1,000 $12,000 $500 $2,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 117

Couple - International - United Kingdon Fee Medical itrek Platinum Unlimited $30,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 Medibank International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $16,000 $500 $3,000 My Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 OUCH A Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 QBE B Travel Unlimited $36,000 Unlimited Unlimited Unlimited $30,000 N/A $2,000 Real Insurance Basics - International $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Simply Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Travel Insuranz Classic $5,000 N/A $40,000,000 $20,000,000 $1,000 $5,000 $250 $500 Virgin Money Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $400 $3,000 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $1,000 $6,000 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $2,000 $10,000 $500 $500 Woolworths Basic $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 1 Direct Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $10,000 $500 $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $500 $3,000 American Express Essentials -Single Trip International $20,000 N/A Unlimited Unlimited Unlimited $10,000 $0 $1,500 ANZ International Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 Australian Unity Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Budget Direct Plan B - Silver $10,000 N/A Unlimited Unlimited $500 $6,000 N/A $3,000 BUPA International - Super Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 CGU Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $16,000 $500 $3,000 Citibank International - Elite Unlimited $200,000 Unlimited Unlimited Unlimited $60,000 $400 $3,500 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 118

Couple - International - United Kingdon Fee Medical Citibank International - Premium $100,000 $50,000 Unlimited Unlimited Unlimited $20,000 $400 $3,500 Columbus Direct Premier $30,000 $150,000 $40,000,000 $40,000,000 $4,000 $15,000 $2,000 $3,000 Columbus Direct Standard $20,000 $100,000 $25,000,000 $25,000,000 $2,000 $12,000 $1,000 $3,000 more Essentials - International $10,000 $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 more Travelsure - International $10,000 $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Fastcover Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Fastcover Plan D - Comprehensive with Snow C Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Fastcover Plan E - Standard Unlimited $30,000 Unlimited Unlimited $500 $10,000 N/A $3,000 Go Insurance Go Basic - International $30,000 $40,000 $40,000,000 $20,000,000 $1,500 $15,000 $500 $2,000 Go Insurance Go Plus - International $50,000 $50,000 $40,000,000 $20,000,000 $3,000 $20,000 $1,000 $3,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $50,000 Unlimited Unlimited $4,000 $3,000 $1,000 $600 HBF Insurance Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 HCF Insurance Elements Plan $20,000 N/A $20,000,000 $20,000,000 20,000,00 $6,000 N/A $300 HCF Insurance International Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $500 $6,000 HSBC Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan A - Comprehensive Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Hume Building Society Plan D - Snow Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 itrek Gold $30,000 $30,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 Kango L2 - Rock Wallaby $10,000 N/A $10,000,000 $5,000,000 $500 $3,000 N/A $250 Kango L3 - Wallaby $12,500 N/A $10,000,000 $5,000,000 $500 $5,000 $250 $3,000 Kango L4 - Eastern Grey $12,500 N/A $25,000,000 $12,500,000 $1,000 $6,000 $500 $3,000 Kango L5 - Big Red $15,000 $50,000 Unlimited Unlimited $1,000 $7,500 $750 $3,000 nab Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 NRMA International Essentials Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 119

Couple - International - United Kingdon Fee Medical OUCH Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 People's Choice Credit Union Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 People's Choice Credit Union Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Priceline Protects International - Essential $10,000 N/A Unlimited Unlimited Unlimited $3,000 N/A $1,000 Priceline Protects International - Premium $20,000 $50,000 Unlimited Unlimited Unlimited $10,000 $400 $3,500 QBE A Travel Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 QBE Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 RAC Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 Ski Insurance Plan A - International Unlimited $50,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 St.George Bank Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 STA Travel Basic - International Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $1,000 STA Travel Comprehensive - International Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,500 STA Travel Essentials - International Unlimited $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Travel Insuranz Deluxe $20,000 $60,000 $40,000,000 $20,000,000 $2,000 $15,000 $1,200 $3,000 Travel Insuranz Premier $10,000 $20,000 $40,000,000 $20,000,000 $1,000 $7,000 $300 $500 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 Virgin Australia Comprehensive Unlimited $50,000 Unlimited Unlimited $4,000 $10,000 $500 $3,000 Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $4,000 $10,000 N/A $3,000 Webjet Essentials - Plan B $10,000 $30,000 $10,000,000 $10,000,000 $2,000 $3,000 $250 $500 Westpac Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 World Nomads Explorer Unlimited $25,000 Unlimited Unlimited $1,000 $20,000 $250 $2,000 World Nomads Standard $7,000 N/A $10,000,000 $1,000,000 $1,000 $4,000 N/A $500 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 120

Couple - International - United Kingdon Fee Medical AIG Silver (D12) Unlimited $50,000 Unlimited Unlimited $2,000 $30,000 $1,000 $3,000 Aussie Travel Basic - Standard $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $250 $1,500 Aussie Travel Plan A - Standard Unlimited $30,000 Unlimited Unlimited $1,000 $10,000 $250 $4,000 Australian Unity Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 BUPA International - Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 CGU Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 CHI Travel Insurance Basic - International $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $500 $3,000 HBF Insurance Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 multitrip.com.au International - Premier Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 $800 N/A National Seniors International Basic $10,000 N/A Unlimited Unlimited $1,000 $10,000 $250 $4,000 National Seniors International Premium Unlimited $50,000 Unlimited Unlimited $500 $7,500 $250 N/A Onepath International Travel Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 RAC Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACQ Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACV Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 St.George Bank Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Suresave Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $24,000 $500 $4,000 multitrip.com.au International - Essentials $6,000 $20,000 $20,000,000 $20,000,000 $2,000 $4,000 N/A N/A multitrip.com.au International - Premier $30,000 $40,000 Unlimited Unlimited $2,000 $15,000 $400 N/A RACQ Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACV Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 Suresave Budget $10,000 N/A Unlimited Unlimited $1,000 $10,000 $250 $4,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 121

Couple - International - United Kingdon Fee Medical Travellers Choice Basic - International Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $3,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 122

Couple - International - USA Fee Medical AAMI International Travel Unlimited $20,000 Unlimited Unlimited Unlimited $12,000 N/A $3,000 Citibank International - Essential $50,000 $40,000 Unlimited Unlimited Unlimited $10,000 N/A $3,500 Downunder Insurance Plan C - Backpackers $5,000 $30,000 Unlimited Unlimited $1,500 $4,000 $500 $3,000 Good2Go Essentials Travel Insurance $20,000 N/A $10,000,000 $10,000,000 $1,000 $6,000 N/A $250 Insure and Go Gold Unlimited $100,000 Unlimited Unlimited $1,000 $16,000 $1,000 $3,000 Insure and Go Silver $30,000 $75,000 Unlimited Unlimited $1,000 $12,000 $500 $2,000 Travel Insurance Direct International Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $4,000 Travel Insuranz Classic $5,000 N/A $40,000,000 $20,000,000 $1,000 $5,000 $250 $500 Virgin Money Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $400 $3,000 Worldcare Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $3,000 1300 Insurance Plan A Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 1 Direct Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $10,000 $500 $3,000 Budget Direct Plan A - Platinum Unlimited $40,000 Unlimited Unlimited $500 $10,000 $250 $3,000 Citibank International - Premium $100,000 $50,000 Unlimited Unlimited Unlimited $20,000 $400 $3,500 Downunder Insurance Plan A - Comprehensive $20,000 $60,000 Unlimited Unlimited $1,500 $10,000 $1,000 $3,000 Fastcover Plan E - Standard Unlimited $30,000 Unlimited Unlimited $500 $10,000 N/A $3,000 GIO Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 itrek Platinum Unlimited $30,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 My Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 NRMA International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,000 Priceline Protects International - Essential $10,000 N/A Unlimited Unlimited Unlimited $3,000 N/A $1,000 Priceline Protects International - Premium $20,000 $50,000 Unlimited Unlimited Unlimited $10,000 $400 $3,500 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 123

Couple - International - USA Fee Medical QBE Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 Real Insurance Basics - International $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Real Insurance Comprehensive - International $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Southern Cross Travel Insuranc Superworld $100,000 $200,000 Unlimited Unlimited $1,500 $50,000 $500 $3,000 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $1,000 $6,000 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $2,000 $10,000 $500 $500 Woolworths Basic $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Woolworths Comprehensive $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $5,000 $250 $3,000 Allianz Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $500 $3,000 American Express Essentials -Single Trip International $20,000 N/A Unlimited Unlimited Unlimited $10,000 $0 $1,500 ANZ International Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 Australia Post International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $15,000 $500 $3,000 Australian Unity Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Big Sky Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $3,000 Budget Direct Plan B - Silver $10,000 N/A Unlimited Unlimited $500 $6,000 N/A $3,000 BUPA International - Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 CGU Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Citibank International - Elite Unlimited $200,000 Unlimited Unlimited Unlimited $60,000 $400 $3,500 Columbus Direct Premier $30,000 $150,000 $40,000,000 $40,000,000 $4,000 $15,000 $2,000 $3,000 Columbus Direct Standard $20,000 $100,000 $25,000,000 $25,000,000 $2,000 $12,000 $1,000 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 124

Couple - International - USA Fee Medical more Essentials - International $10,000 $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 more Travelsure - International $10,000 $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Fastcover Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Fastcover Plan D - Comprehensive with Snow C Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Go Insurance Go Basic - International $30,000 $40,000 $40,000,000 $20,000,000 $1,500 $15,000 $500 $2,000 Go Insurance Go Plus - International $50,000 $50,000 $40,000,000 $20,000,000 $3,000 $20,000 $1,000 $3,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $50,000 Unlimited Unlimited $4,000 $3,000 $1,000 $600 Greater Building Society Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $3,000 HBF Insurance Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 HCF Insurance International Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $500 $6,000 HSBC Plan A - Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 Hume Building Society Plan A - Comprehensive Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Hume Building Society Plan D - Snow Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 itrek Gold $30,000 $30,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 Kango L2 - Rock Wallaby $10,000 N/A $10,000,000 $5,000,000 $500 $3,000 N/A $250 Kango L3 - Wallaby $12,500 N/A $10,000,000 $5,000,000 $500 $5,000 $250 $3,000 Kango L4 - Eastern Grey $12,500 N/A $25,000,000 $12,500,000 $1,000 $6,000 $500 $3,000 Medibank International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $16,000 $500 $3,000 nab Plan A - International Unlimited $25,000 Unlimited Unlimited $500 $7,500 $250 $3,000 NRMA International Essentials Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 Online Travel Insurance Plan A - Comprehensive $50,000 $50,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 OUCH Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 People's Choice Credit Union Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 RAC Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 125

Couple - International - USA Fee Medical RACV Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 Simply Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Ski Insurance Plan A - International Unlimited $50,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 St.George Bank Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 STA Travel Comprehensive - International Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,500 STA Travel Essentials - International Unlimited $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Travel Insuranz Deluxe $20,000 $60,000 $40,000,000 $20,000,000 $2,000 $15,000 $1,200 $3,000 Travel Insuranz Premier $10,000 $20,000 $40,000,000 $20,000,000 $1,000 $7,000 $300 $500 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 Virgin Australia Comprehensive Unlimited $50,000 Unlimited Unlimited $4,000 $10,000 $500 $3,000 Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $4,000 $10,000 N/A $3,000 Webjet Essentials - Plan B $10,000 $30,000 $10,000,000 $10,000,000 $2,000 $3,000 $250 $500 Westpac Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 World Nomads Explorer Unlimited $25,000 Unlimited Unlimited $1,000 $20,000 $250 $2,000 World Nomads Standard $7,000 N/A $10,000,000 $1,000,000 $1,000 $4,000 N/A $500 AIG Platinum (F12) Unlimited $50,000 Unlimited Unlimited $2,000 $30,000 $1,000 $3,000 Aussie Travel Basic - Super Plus $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $250 $1,500 Aussie Travel Plan A - Super Plus Unlimited $50,000 Unlimited Unlimited $1,000 $20,000 $250 $4,000 CHI Travel Insurance Basic - International $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $500 $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $16,000 $500 $3,000 HCF Insurance Elements Plan $20,000 N/A $20,000,000 $20,000,000 20,000,00 $6,000 N/A $300 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 126

Couple - International - USA Fee Medical Kango L5 - Big Red $15,000 $50,000 Unlimited Unlimited $1,000 $7,500 $750 $3,000 multitrip.com.au International - Premier Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 $800 N/A National Seniors International Basic $10,000 N/A Unlimited Unlimited $1,000 $10,000 $250 $4,000 National Seniors International Premium Unlimited $50,000 Unlimited Unlimited $500 $7,500 $250 N/A Onepath International Travel Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 RAC Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACQ Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 STA Travel Basic - International Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $1,000 Suresave Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $24,000 $500 $4,000 multitrip.com.au International - Essentials $6,000 $20,000 $20,000,000 $20,000,000 $2,000 $4,000 N/A N/A multitrip.com.au International - Premier $30,000 $40,000 Unlimited Unlimited $2,000 $15,000 $400 N/A RACQ Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACV Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 Suresave Budget $10,000 N/A Unlimited Unlimited $1,000 $10,000 $250 $4,000 Travellers Choice Basic - International Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $3,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 127

Family - International - Bali Fee Medical Citibank International - Essential $50,000 $40,000 Unlimited Unlimited Unlimited $10,000 N/A $3,500 Downunder Insurance Plan C - Backpackers $5,000 $30,000 Unlimited Unlimited $1,500 $4,000 $500 $3,000 Insure and Go Gold Unlimited $130,000 Unlimited Unlimited $2,000 $32,000 $2,000 $3,000 Insure and Go Silver $60,000 $100,000 Unlimited Unlimited $2,000 $24,000 $1,000 $2,000 Kango L2 - Rock Wallaby $20,000 N/A $5,000,000 $10,000,000 $1,000 $6,000 N/A $250 Real Insurance Comprehensive - International $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Travel Insurance Direct International Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $4,000 Travel Insuranz Classic $10,000 N/A $20,000,000 $40,000,000 $2,000 $10,000 $500 $500 Woolworths Basic $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Woolworths Comprehensive $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Worldcare Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $3,000 1 Direct Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $10,000 $250 $3,000 AAMI International Travel Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 N/A $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $60,000 Unlimited Unlimited Unlimited $30,000 $500 $3,000 American Express Essentials -Single Trip International $20,000 N/A Unlimited Unlimited Unlimited $10,000 $0 $1,500 Budget Direct Plan A - Platinum Unlimited $40,000 Unlimited Unlimited $500 $10,000 $250 $3,000 Columbus Direct Premier $30,000 $150,000 $40,000,000 $40,000,000 $4,000 $15,000 $2,000 $3,000 Columbus Direct Standard $20,000 $100,000 $25,000,000 $25,000,000 $2,000 $12,000 $1,000 $3,000 Downunder Insurance Plan A - Comprehensive $20,000 $60,000 Unlimited Unlimited $750 $10,000 $500 $3,000 Go Insurance Go Basic - International $60,000 $80,000 $20,000,000 $40,000,000 $3,000 $30,000 $1,000 $2,000 Go Insurance Go Plus - International $100,000 $100,000 $20,000,000 $40,000,000 $6,000 $40,000 $2,000 $3,000 Good2Go Essentials Travel Insurance $20,000 N/A $10,000,000 $10,000,000 $1,000 $6,000 N/A $250 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 128

Family - International - Bali Fee Medical itrek Gold $30,000 $30,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 itrek Platinum Unlimited $30,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 Kango L3 - Wallaby $25,000 N/A $5,000,000 $10,000,000 $1,000 $10,000 $250 $3,000 My Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 NRMA International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,000 OUCH C Travel Plan Unlimited $20,000 Unlimited Unlimited Unlimited $30,000 N/A $1,000 Priceline Protects International - Essential $10,000 N/A Unlimited Unlimited Unlimited $3,000 N/A $1,000 Priceline Protects International - Premium $20,000 $50,000 Unlimited Unlimited Unlimited $10,000 $400 $3,500 Real Insurance Basics - International $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Southern Cross Travel Insuranc World $100,000 $200,000 Unlimited Unlimited $3,000 $50,000 $500 $3,000 Travel Insuranz Premier $20,000 $40,000 $20,000,000 $40,000,000 $2,000 $14,000 $600 $500 Webjet Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $2,000 $10,000 $500 $500 Webjet Essentials - Plan B $10,000 $30,000 $10,000,000 $10,000,000 $2,000 $3,000 $250 $500 1300 Insurance Plan A Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 AIG Bronze (E12) Unlimited $50,000 Unlimited Unlimited $2,000 $30,000 $1,000 $3,000 Allianz Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 ANZ International Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 Australia Post International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $15,000 $500 $3,000 Big Sky Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Budget Direct Plan B - Silver $20,000 N/A Unlimited Unlimited $500 $6,000 N/A $3,000 CHI Travel Insurance Basic - International $6,000 $20,000 Unlimited Unlimited $500 $6,000 $500 $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $16,000 $250 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 129

Family - International - Bali Fee Medical Citibank International - Elite Unlimited $200,000 Unlimited Unlimited Unlimited $60,000 $400 $3,500 Citibank International - Premium $100,000 $50,000 Unlimited Unlimited Unlimited $20,000 $400 $3,500 more Essentials - International $10,000 $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 more Travelsure - International $10,000 $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Fastcover Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Fastcover Plan D - Comprehensive with Snow C Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Fastcover Plan E - Standard Unlimited $30,000 Unlimited Unlimited $500 $10,000 N/A $3,000 GIO Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $50,000 Unlimited Unlimited $2,000 $3,000 $12,000 $600 Greater Building Society Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 HBF Insurance Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 HBF Insurance Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 HCF Insurance International Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $500 $6,000 HSBC Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Hume Building Society Plan A - Comprehensive Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Hume Building Society Plan D - Snow Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Kango L4 - Eastern Grey $25,000 N/A $12,500,000 $25,000,000 $2,000 $12,000 $500 $3,000 Kango L5 - Big Red $30,000 $100,000 Unlimited Unlimited $2,000 $15,000 $750 $3,000 Medibank International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $16,000 $500 $3,000 nab Plan A - International Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 NRMA International Essentials Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 Onepath International Travel Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 Online Travel Insurance Plan A - Comprehensive $50,000 $50,000 Unlimited Unlimited $1,000 $1,000 $500 $3,000 OUCH A Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 130

Family - International - Bali Fee Medical OUCH B Travel Plan Unlimited $36,000 Unlimited Unlimited Unlimited $30,000 N/A $2,000 OUCH Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 People's Choice Credit Union Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 QBE A Travel Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 QBE B Travel Unlimited $36,000 Unlimited Unlimited Unlimited $30,000 N/A $2,000 QBE C Travel Unlimited $20,000 Unlimited Unlimited Unlimited $30,000 N/A $1,000 QBE Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 RAC Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACQ Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACV Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 Simply Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Ski Insurance Plan A - International Unlimited $50,000 Unlimited Unlimited $500 $10,000 $500 $3,000 St.George Bank Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Suresave Budget $10,000 N/A Unlimited Unlimited $1,000 $10,000 $500 $4,000 Suresave Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $24,000 $500 $4,000 Travel Insuranz Deluxe $40,000 $120,000 $20,000,000 $40,000,000 $4,000 $30,000 $2,400 $3,000 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 Virgin Australia Comprehensive Unlimited $50,000 Unlimited Unlimited $0 $10,000 $500 $3,000 Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $4,000 $10,000 N/A $3,000 Virgin Money Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $400 $3,000 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $1,000 $6,000 N/A $3,000 Westpac Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 World Nomads Explorer Unlimited $25,000 Unlimited Unlimited $1,000 $20,000 $250 $2,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 131

Family - International - Bali Fee Medical World Nomads Standard $7,000 N/A $10,000,000 $1,000,000 $1,000 $4,000 N/A $500 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $10,000 $500 $3,000 Aussie Travel Basic - NZ/Indonesia/Fiji $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $250 $1,500 Aussie Travel Plan A - NZ/Indonesia/Fiji Unlimited $20,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Australian Unity Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 Australian Unity Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Australian Unity Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 BUPA International - Super Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 CGU Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 CGU Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 CGU Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 HBF Insurance Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 multitrip.com.au International - Premier Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 $800 N/A People's Choice Credit Union Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 People's Choice Credit Union Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 RAC Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACQ Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACV Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 St.George Bank Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 St.George Bank Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Travellers Choice Basic - International Unlimited $22,000 $20,000,000 $20,000,000 20,000,00 $3,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 132

Family - International - Bali Fee Medical BUPA International - Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 BUPA International - Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 HCF Insurance Elements Plan $20,000 N/A $20,000,000 $20,000,000 20,000,00 $6,000 N/A $300 multitrip.com.au International - Essentials $6,000 $20,000 $10,000,000 $20,000,000 $2,000 $4,000 N/A N/A multitrip.com.au International - Premier $30,000 $40,000 Unlimited Unlimited $2,000 $15,000 $400 N/A TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 133

Family - International - Brazil Fee Medical AAMI International Travel Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 N/A $3,000 Citibank International - Essential $50,000 $40,000 Unlimited Unlimited Unlimited $10,000 N/A $3,500 Go Insurance Go Plus - International $100,000 $100,000 $20,000,000 $40,000,000 $6,000 $40,000 $2,000 $3,000 Good2Go Essentials Travel Insurance $20,000 N/A $10,000,000 $10,000,000 $1,000 $6,000 N/A $250 Insure and Go Gold Unlimited $130,000 Unlimited Unlimited $2,000 $32,000 $2,000 $3,000 Insure and Go Silver $60,000 $100,000 Unlimited Unlimited $2,000 $24,000 $1,000 $2,000 OUCH A Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 Southern Cross Travel Insuranc World $100,000 $200,000 Unlimited Unlimited $3,000 $50,000 $500 $3,000 Travel Insurance Direct International Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $4,000 Travel Insuranz Classic $10,000 N/A $20,000,000 $40,000,000 $2,000 $10,000 $500 $500 Virgin Money Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $400 $3,000 1300 Insurance Plan A Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 1 Direct Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $10,000 $250 $3,000 Citibank International - Premium $100,000 $50,000 Unlimited Unlimited Unlimited $20,000 $400 $3,500 Downunder Insurance Plan C - Backpackers $5,000 $30,000 Unlimited Unlimited $1,500 $4,000 $500 $3,000 Fastcover Plan E - Standard Unlimited $30,000 Unlimited Unlimited $500 $10,000 N/A $3,000 GIO Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Go Insurance Go Basic - International $60,000 $80,000 $20,000,000 $40,000,000 $3,000 $30,000 $1,000 $2,000 HBF Insurance Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 itrek Platinum Unlimited $30,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 My Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 People's Choice Credit Union Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 134

Family - International - Brazil Fee Medical Priceline Protects International - Premium $20,000 $50,000 Unlimited Unlimited Unlimited $10,000 $400 $3,500 QBE A Travel Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 Real Insurance Comprehensive - International $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Travel Insuranz Deluxe $40,000 $120,000 $20,000,000 $40,000,000 $4,000 $30,000 $2,400 $3,000 Travel Insuranz Premier $20,000 $40,000 $20,000,000 $40,000,000 $2,000 $14,000 $600 $500 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $1,000 $6,000 N/A $3,000 Woolworths Basic $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Woolworths Comprehensive $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Worldcare Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $3,000 Allianz Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $60,000 Unlimited Unlimited Unlimited $30,000 $500 $3,000 American Express Essentials -Single Trip International $20,000 N/A Unlimited Unlimited Unlimited $10,000 $0 $1,500 ANZ International Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 Australia Post International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $15,000 $500 $3,000 Australian Unity Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Australian Unity Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Big Sky Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Budget Direct Plan A - Platinum Unlimited $40,000 Unlimited Unlimited $500 $10,000 $250 $3,000 Budget Direct Plan B - Silver $20,000 N/A Unlimited Unlimited $500 $6,000 N/A $3,000 BUPA International - Super Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 CGU Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 135

Family - International - Brazil Fee Medical CGU Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Citibank International - Elite Unlimited $200,000 Unlimited Unlimited Unlimited $60,000 $400 $3,500 Columbus Direct Premier $30,000 $150,000 $40,000,000 $40,000,000 $4,000 $15,000 $2,000 $3,000 Columbus Direct Standard $20,000 $100,000 $25,000,000 $25,000,000 $2,000 $12,000 $1,000 $3,000 more Essentials - International $10,000 $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 more Travelsure - International $10,000 $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Downunder Insurance Plan A - Comprehensive $20,000 $60,000 Unlimited Unlimited $750 $10,000 $500 $3,000 Fastcover Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Fastcover Plan D - Comprehensive with Snow C Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $50,000 Unlimited Unlimited $2,000 $3,000 $12,000 $600 Greater Building Society Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 HBF Insurance Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 HCF Insurance International Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $500 $6,000 Hume Building Society Plan A - Comprehensive Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 itrek Gold $30,000 $30,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 Kango L2 - Rock Wallaby $20,000 N/A $5,000,000 $10,000,000 $1,000 $6,000 N/A $250 Kango L3 - Wallaby $25,000 N/A $5,000,000 $10,000,000 $1,000 $10,000 $250 $3,000 Kango L4 - Eastern Grey $25,000 N/A $12,500,000 $25,000,000 $2,000 $12,000 $500 $3,000 Kango L5 - Big Red $30,000 $100,000 Unlimited Unlimited $2,000 $15,000 $750 $3,000 Medibank International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $16,000 $500 $3,000 multitrip.com.au International - Premier Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 $800 N/A nab Plan A - International Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 NRMA International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,000 NRMA International Essentials Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 136

Family - International - Brazil Fee Medical Onepath International Travel Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 Online Travel Insurance Plan A - Comprehensive $50,000 $50,000 Unlimited Unlimited $1,000 $1,000 $500 $3,000 OUCH Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 People's Choice Credit Union Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Priceline Protects International - Essential $10,000 N/A Unlimited Unlimited Unlimited $3,000 N/A $1,000 QBE Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 Real Insurance Basics - International $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Simply Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Ski Insurance Plan A - International Unlimited $50,000 Unlimited Unlimited $500 $10,000 $500 $3,000 St.George Bank Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 St.George Bank Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Virgin Australia Comprehensive Unlimited $50,000 Unlimited Unlimited $0 $10,000 $500 $3,000 Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $4,000 $10,000 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $2,000 $10,000 $500 $500 Webjet Essentials - Plan B $10,000 $30,000 $10,000,000 $10,000,000 $2,000 $3,000 $250 $500 Westpac Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 World Nomads Explorer Unlimited $25,000 Unlimited Unlimited $1,000 $20,000 $250 $2,000 World Nomads Standard $7,000 N/A $10,000,000 $1,000,000 $1,000 $4,000 N/A $500 AIG Platinum (F12) Unlimited $50,000 Unlimited Unlimited $2,000 $30,000 $1,000 $3,000 Aussie Travel Basic - Super Plus $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $250 $1,500 Aussie Travel Plan A - Super Plus Unlimited $50,000 Unlimited Unlimited $1,000 $20,000 $250 $4,000 BUPA International - Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 137

Family - International - Brazil Fee Medical CHI Travel Insurance Basic - International $6,000 $20,000 Unlimited Unlimited $500 $6,000 $500 $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $16,000 $250 $3,000 HSBC Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Hume Building Society Plan D - Snow Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 multitrip.com.au International - Premier $30,000 $40,000 Unlimited Unlimited $2,000 $15,000 $400 N/A RAC Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RAC Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACQ Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACV Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 Suresave Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $24,000 $500 $4,000 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $10,000 $500 $3,000 HCF Insurance Elements Plan $20,000 N/A $20,000,000 $20,000,000 20,000,00 $6,000 N/A $300 multitrip.com.au International - Essentials $6,000 $20,000 $10,000,000 $20,000,000 $2,000 $4,000 N/A N/A RACQ Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACV Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 Suresave Budget $10,000 N/A Unlimited Unlimited $1,000 $10,000 $500 $4,000 Travellers Choice Basic - International Unlimited $22,000 $20,000,000 $20,000,000 20,000,00 $3,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 138

Family - International - China Fee Medical AAMI International Travel Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 N/A $3,000 Good2Go Essentials Travel Insurance $20,000 N/A $10,000,000 $10,000,000 $1,000 $6,000 N/A $250 Insure and Go Gold Unlimited $130,000 Unlimited Unlimited $2,000 $32,000 $2,000 $3,000 Insure and Go Silver $60,000 $100,000 Unlimited Unlimited $2,000 $24,000 $1,000 $2,000 OUCH B Travel Plan Unlimited $36,000 Unlimited Unlimited Unlimited $30,000 N/A $2,000 Real Insurance Comprehensive - International $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Southern Cross Travel Insuranc World $100,000 $200,000 Unlimited Unlimited $3,000 $50,000 $500 $3,000 Travel Insurance Direct International Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $4,000 Travel Insuranz Classic $10,000 N/A $20,000,000 $40,000,000 $2,000 $10,000 $500 $500 Woolworths Comprehensive $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Worldcare Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $3,000 1300 Insurance Plan A Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 1 Direct Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $10,000 $250 $3,000 Australia Post International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $15,000 $500 $3,000 Citibank International - Essential $50,000 $40,000 Unlimited Unlimited Unlimited $10,000 N/A $3,500 Downunder Insurance Plan C - Backpackers $5,000 $30,000 Unlimited Unlimited $1,500 $4,000 $500 $3,000 Fastcover Plan E - Standard Unlimited $30,000 Unlimited Unlimited $500 $10,000 N/A $3,000 GIO Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Go Insurance Go Plus - International $100,000 $100,000 $20,000,000 $40,000,000 $6,000 $40,000 $2,000 $3,000 itrek Platinum Unlimited $30,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 Kango L2 - Rock Wallaby $20,000 N/A $5,000,000 $10,000,000 $1,000 $6,000 N/A $250 Kango L3 - Wallaby $25,000 N/A $5,000,000 $10,000,000 $1,000 $10,000 $250 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 139

Family - International - China Fee Medical NRMA International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,000 NRMA International Essentials Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 OUCH A Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 QBE B Travel Unlimited $36,000 Unlimited Unlimited Unlimited $30,000 N/A $2,000 Real Insurance Basics - International $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Virgin Australia Comprehensive Unlimited $50,000 Unlimited Unlimited $0 $10,000 $500 $3,000 Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $4,000 $10,000 N/A $3,000 Virgin Money Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $400 $3,000 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $1,000 $6,000 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $2,000 $10,000 $500 $500 Webjet Essentials - Plan B $10,000 $30,000 $10,000,000 $10,000,000 $2,000 $3,000 $250 $500 Woolworths Basic $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 AIG Silver (D12) Unlimited $50,000 Unlimited Unlimited $2,000 $30,000 $1,000 $3,000 Allianz Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $60,000 Unlimited Unlimited Unlimited $30,000 $500 $3,000 American Express Essentials -Single Trip International $20,000 N/A Unlimited Unlimited Unlimited $10,000 $0 $1,500 ANZ International Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 Aussie Travel Basic - Standard $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $250 $1,500 Australian Unity Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Big Sky Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Budget Direct Plan A - Platinum Unlimited $40,000 Unlimited Unlimited $500 $10,000 $250 $3,000 Budget Direct Plan B - Silver $20,000 N/A Unlimited Unlimited $500 $6,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 140

Family - International - China Fee Medical BUPA International - Super Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 CGU Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 CGU Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Citibank International - Elite Unlimited $200,000 Unlimited Unlimited Unlimited $60,000 $400 $3,500 Citibank International - Premium $100,000 $50,000 Unlimited Unlimited Unlimited $20,000 $400 $3,500 more Essentials - International $10,000 $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 more Travelsure - International $10,000 $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Downunder Insurance Plan A - Comprehensive $20,000 $60,000 Unlimited Unlimited $750 $10,000 $500 $3,000 Fastcover Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Fastcover Plan D - Comprehensive with Snow C Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Go Insurance Go Basic - International $60,000 $80,000 $20,000,000 $40,000,000 $3,000 $30,000 $1,000 $2,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $50,000 Unlimited Unlimited $2,000 $3,000 $12,000 $600 Greater Building Society Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 HBF Insurance Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 HBF Insurance Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 HBF Insurance Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 HCF Insurance International Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $500 $6,000 HSBC Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Hume Building Society Plan A - Comprehensive Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Hume Building Society Plan D - Snow Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 itrek Gold $30,000 $30,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 Kango L4 - Eastern Grey $25,000 N/A $12,500,000 $25,000,000 $2,000 $12,000 $500 $3,000 Kango L5 - Big Red $30,000 $100,000 Unlimited Unlimited $2,000 $15,000 $750 $3,000 Medibank International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $16,000 $500 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 141

Family - International - China Fee Medical multitrip.com.au International - Premier Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 $800 N/A My Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 nab Plan A - International Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Onepath International Travel Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 Online Travel Insurance Plan A - Comprehensive $50,000 $50,000 Unlimited Unlimited $1,000 $1,000 $500 $3,000 OUCH Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 People's Choice Credit Union Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 People's Choice Credit Union Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 People's Choice Credit Union Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Priceline Protects International - Essential $10,000 N/A Unlimited Unlimited Unlimited $3,000 N/A $1,000 Priceline Protects International - Premium $20,000 $50,000 Unlimited Unlimited Unlimited $10,000 $400 $3,500 QBE A Travel Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 QBE Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 RAC Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 Simply Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Ski Insurance Plan A - International Unlimited $50,000 Unlimited Unlimited $500 $10,000 $500 $3,000 St.George Bank Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 St.George Bank Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Travel Insuranz Deluxe $40,000 $120,000 $20,000,000 $40,000,000 $4,000 $30,000 $2,400 $3,000 Travel Insuranz Premier $20,000 $40,000 $20,000,000 $40,000,000 $2,000 $14,000 $600 $500 Westpac Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 World Nomads Explorer Unlimited $25,000 Unlimited Unlimited $1,000 $20,000 $250 $2,000 World Nomads Standard $7,000 N/A $10,000,000 $1,000,000 $1,000 $4,000 N/A $500 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 142

Family - International - China Fee Medical Aussie Travel Plan A - Standard Unlimited $30,000 Unlimited Unlimited $1,000 $10,000 $250 $4,000 Australian Unity Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 Australian Unity Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 BUPA International - Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 BUPA International - Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 CGU Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 CHI Travel Insurance Basic - International $6,000 $20,000 Unlimited Unlimited $500 $6,000 $500 $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $16,000 $250 $3,000 Columbus Direct Premier $30,000 $150,000 $40,000,000 $40,000,000 $4,000 $15,000 $2,000 $3,000 Columbus Direct Standard $20,000 $100,000 $25,000,000 $25,000,000 $2,000 $12,000 $1,000 $3,000 multitrip.com.au International - Premier $30,000 $40,000 Unlimited Unlimited $2,000 $15,000 $400 N/A RAC Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACQ Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACV Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 St.George Bank Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Suresave Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $24,000 $500 $4,000 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $10,000 $500 $3,000 HCF Insurance Elements Plan $20,000 N/A $20,000,000 $20,000,000 20,000,00 $6,000 N/A $300 multitrip.com.au International - Essentials $6,000 $20,000 $10,000,000 $20,000,000 $2,000 $4,000 N/A N/A RACQ Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACV Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 143

Family - International - China Fee Medical Suresave Budget $10,000 N/A Unlimited Unlimited $1,000 $10,000 $500 $4,000 Travellers Choice Basic - International Unlimited $22,000 $20,000,000 $20,000,000 20,000,00 $3,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 144

Family - International - Fiji Fee Medical AAMI International Travel Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 N/A $3,000 Downunder Insurance Plan C - Backpackers $5,000 $30,000 Unlimited Unlimited $1,500 $4,000 $500 $3,000 Good2Go Essentials Travel Insurance $20,000 N/A $10,000,000 $10,000,000 $1,000 $6,000 N/A $250 Insure and Go Gold Unlimited $130,000 Unlimited Unlimited $2,000 $32,000 $2,000 $3,000 Insure and Go Silver $60,000 $100,000 Unlimited Unlimited $2,000 $24,000 $1,000 $2,000 Kango L2 - Rock Wallaby $20,000 N/A $5,000,000 $10,000,000 $1,000 $6,000 N/A $250 Real Insurance Basics - International $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Real Insurance Comprehensive - International $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Southern Cross Travel Insuranc New Zealand / South Pacific $100,000 $200,000 Unlimited Unlimited $3,000 $50,000 $500 $3,000 Travel Insurance Direct International Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $4,000 Travel Insuranz Classic $10,000 N/A $20,000,000 $40,000,000 $2,000 $10,000 $500 $500 Worldcare Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $3,000 1300 Insurance Plan A Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 1 Direct Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $10,000 $250 $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $60,000 Unlimited Unlimited Unlimited $30,000 $500 $3,000 American Express Essentials -Single Trip International $20,000 N/A Unlimited Unlimited Unlimited $10,000 $0 $1,500 Australia Post International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $15,000 $500 $3,000 Budget Direct Plan A - Platinum Unlimited $40,000 Unlimited Unlimited $500 $10,000 $250 $3,000 Downunder Insurance Plan A - Comprehensive $20,000 $60,000 Unlimited Unlimited $750 $10,000 $500 $3,000 Fastcover Plan E - Standard Unlimited $30,000 Unlimited Unlimited $500 $10,000 N/A $3,000 GIO Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $50,000 Unlimited Unlimited $2,000 $3,000 $12,000 $600 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 145

Family - International - Fiji Fee Medical itrek Platinum Unlimited $30,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 Kango L3 - Wallaby $25,000 N/A $5,000,000 $10,000,000 $1,000 $10,000 $250 $3,000 Medibank International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $16,000 $500 $3,000 NRMA International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,000 NRMA International Essentials Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 Online Travel Insurance Plan A - Comprehensive $50,000 $50,000 Unlimited Unlimited $1,000 $1,000 $500 $3,000 OUCH C Travel Plan Unlimited $20,000 Unlimited Unlimited Unlimited $30,000 N/A $1,000 Travel Insuranz Deluxe $40,000 $120,000 $20,000,000 $40,000,000 $4,000 $30,000 $2,400 $3,000 Travel Insuranz Premier $20,000 $40,000 $20,000,000 $40,000,000 $2,000 $14,000 $600 $500 Virgin Australia Comprehensive Unlimited $50,000 Unlimited Unlimited $0 $10,000 $500 $3,000 Virgin Money Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $400 $3,000 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $1,000 $6,000 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $2,000 $10,000 $500 $500 Webjet Essentials - Plan B $10,000 $30,000 $10,000,000 $10,000,000 $2,000 $3,000 $250 $500 Woolworths Comprehensive $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 AIG Bronze (E12) Unlimited $50,000 Unlimited Unlimited $2,000 $30,000 $1,000 $3,000 Allianz Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 ANZ International Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 Aussie Travel Basic - NZ/Indonesia/Fiji $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $250 $1,500 Australian Unity Economy Unlimited $20,000 $250,000 $250,000 $2,000 $7,000 N/A $500 Australian Unity Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Big Sky Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 146

Family - International - Fiji Fee Medical Budget Direct Plan B - Silver $20,000 N/A Unlimited Unlimited $500 $6,000 N/A $3,000 BUPA International - Super Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 CGU Economy Unlimited $20,000 $250,000 $250,000 $2,000 $7,000 N/A $500 CGU Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 CHI Travel Insurance Basic - International $6,000 $20,000 Unlimited Unlimited $500 $6,000 $500 $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $16,000 $250 $3,000 Citibank International - Essential $50,000 $40,000 Unlimited Unlimited Unlimited $10,000 N/A $3,500 Citibank International - Premium $100,000 $50,000 Unlimited Unlimited Unlimited $20,000 $400 $3,500 Columbus Direct Premier $30,000 $150,000 $40,000,000 $40,000,000 $4,000 $15,000 $2,000 $3,000 Columbus Direct Standard $20,000 $100,000 $25,000,000 $25,000,000 $2,000 $12,000 $1,000 $3,000 more Travelsure - International $10,000 $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Fastcover Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Fastcover Plan D - Comprehensive with Snow C Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Go Insurance Go Basic - International $60,000 $80,000 $20,000,000 $40,000,000 $3,000 $30,000 $1,000 $2,000 Go Insurance Go Plus - International $100,000 $100,000 $20,000,000 $40,000,000 $6,000 $40,000 $2,000 $3,000 Greater Building Society Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 HBF Insurance Economy Unlimited $20,000 $250,000 $250,000 $2,000 $7,000 N/A $500 HBF Insurance Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 HBF Insurance Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 HCF Insurance International Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $500 $6,000 HSBC Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Hume Building Society Plan A - Comprehensive Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Hume Building Society Plan D - Snow Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 itrek Gold $30,000 $30,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 147

Family - International - Fiji Fee Medical Kango L4 - Eastern Grey $25,000 N/A $12,500,000 $25,000,000 $2,000 $12,000 $500 $3,000 Kango L5 - Big Red $30,000 $100,000 Unlimited Unlimited $2,000 $15,000 $750 $3,000 My Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 nab Plan A - International Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Onepath International Travel Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 OUCH A Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 OUCH B Travel Plan Unlimited $36,000 Unlimited Unlimited Unlimited $30,000 N/A $2,000 OUCH Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 People's Choice Credit Union Economy Unlimited $20,000 $250,000 $250,000 $2,000 $7,000 N/A $500 People's Choice Credit Union Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 People's Choice Credit Union Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Priceline Protects International - Essential $10,000 N/A Unlimited Unlimited Unlimited $3,000 N/A $1,000 Priceline Protects International - Premium $20,000 $50,000 Unlimited Unlimited Unlimited $10,000 $400 $3,500 QBE A Travel Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 QBE B Travel Unlimited $36,000 Unlimited Unlimited Unlimited $30,000 N/A $2,000 QBE C Travel Unlimited $20,000 Unlimited Unlimited Unlimited $30,000 N/A $1,000 QBE Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 RAC Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACQ Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACV Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 Simply Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Ski Insurance Plan A - International Unlimited $50,000 Unlimited Unlimited $500 $10,000 $500 $3,000 St.George Bank Economy Unlimited $20,000 $250,000 $250,000 $2,000 $7,000 N/A $500 St.George Bank Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 148

Family - International - Fiji Fee Medical Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Suresave Budget $10,000 N/A Unlimited Unlimited $1,000 $10,000 $500 $4,000 Suresave Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $24,000 $500 $4,000 Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $4,000 $10,000 N/A $3,000 Westpac Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Woolworths Basic $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $10,000 $500 $3,000 Aussie Travel Plan A - NZ/Indonesia/Fiji Unlimited $20,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Australian Unity Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 Australian Unity Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 BUPA International - Economy Unlimited $20,000 $250,000 $250,000 $2,000 $7,000 N/A $500 BUPA International - Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 BUPA International - Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 CGU Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 CGU Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Citibank International - Elite Unlimited $200,000 Unlimited Unlimited Unlimited $60,000 $400 $3,500 more Essentials - International $10,000 $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 HBF Insurance Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 multitrip.com.au International - Premier Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 $800 N/A People's Choice Credit Union Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 RAC Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 St.George Bank Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 149

Family - International - Fiji Fee Medical St.George Bank Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 World Nomads Explorer Unlimited $25,000 Unlimited Unlimited $1,000 $20,000 $250 $2,000 HCF Insurance Elements Plan $20,000 N/A $20,000,000 $20,000,000 20,000,00 $6,000 N/A $300 multitrip.com.au International - Essentials $6,000 $20,000 $10,000,000 $20,000,000 $2,000 $4,000 N/A N/A multitrip.com.au International - Premier $30,000 $40,000 Unlimited Unlimited $2,000 $15,000 $400 N/A RACQ Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACV Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 Travellers Choice Basic - International Unlimited $22,000 $20,000,000 $20,000,000 20,000,00 $3,000 N/A $3,000 World Nomads Standard $7,000 N/A $10,000,000 $1,000,000 $1,000 $4,000 N/A $500 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 150

Family - International - France Fee Medical AAMI International Travel Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 N/A $3,000 Citibank International - Essential $50,000 $40,000 Unlimited Unlimited Unlimited $10,000 N/A $3,500 Good2Go Essentials Travel Insurance $20,000 N/A $10,000,000 $10,000,000 $1,000 $6,000 N/A $250 Insure and Go Gold Unlimited $130,000 Unlimited Unlimited $2,000 $32,000 $2,000 $3,000 Insure and Go Silver $60,000 $100,000 Unlimited Unlimited $2,000 $24,000 $1,000 $2,000 NRMA International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,000 Southern Cross Travel Insuranc World $100,000 $200,000 Unlimited Unlimited $3,000 $50,000 $500 $3,000 Travel Insurance Direct International Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $4,000 Travel Insuranz Classic $10,000 N/A $20,000,000 $40,000,000 $2,000 $10,000 $500 $500 Worldcare Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $3,000 1300 Insurance Plan A Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 1 Direct Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $10,000 $250 $3,000 Australia Post International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $15,000 $500 $3,000 Budget Direct Plan A - Platinum Unlimited $40,000 Unlimited Unlimited $500 $10,000 $250 $3,000 Downunder Insurance Plan C - Backpackers $5,000 $30,000 Unlimited Unlimited $1,500 $4,000 $500 $3,000 Fastcover Plan E - Standard Unlimited $30,000 Unlimited Unlimited $500 $10,000 N/A $3,000 GIO Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Go Insurance Go Plus - International $100,000 $100,000 $20,000,000 $40,000,000 $6,000 $40,000 $2,000 $3,000 itrek Platinum Unlimited $30,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 Kango L2 - Rock Wallaby $20,000 N/A $5,000,000 $10,000,000 $1,000 $6,000 N/A $250 Kango L3 - Wallaby $25,000 N/A $5,000,000 $10,000,000 $1,000 $10,000 $250 $3,000 Medibank International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $16,000 $500 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 151

Family - International - France Fee Medical My Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 NRMA International Essentials Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 Online Travel Insurance Plan A - Comprehensive $50,000 $50,000 Unlimited Unlimited $1,000 $1,000 $500 $3,000 OUCH A Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 Priceline Protects International - Premium $20,000 $50,000 Unlimited Unlimited Unlimited $10,000 $400 $3,500 Real Insurance Comprehensive - International $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Virgin Money Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $400 $3,000 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $1,000 $6,000 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $2,000 $10,000 $500 $500 Woolworths Comprehensive $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Allianz Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $60,000 Unlimited Unlimited Unlimited $30,000 $500 $3,000 American Express Essentials -Single Trip International $20,000 N/A Unlimited Unlimited Unlimited $10,000 $0 $1,500 ANZ International Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 Australian Unity Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Big Sky Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Budget Direct Plan B - Silver $20,000 N/A Unlimited Unlimited $500 $6,000 N/A $3,000 BUPA International - Super Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 CGU Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Citibank International - Elite Unlimited $200,000 Unlimited Unlimited Unlimited $60,000 $400 $3,500 Citibank International - Premium $100,000 $50,000 Unlimited Unlimited Unlimited $20,000 $400 $3,500 Columbus Direct Premier $30,000 $150,000 $40,000,000 $40,000,000 $4,000 $15,000 $2,000 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 152

Family - International - France Fee Medical Columbus Direct Standard $20,000 $100,000 $25,000,000 $25,000,000 $2,000 $12,000 $1,000 $3,000 more Essentials - International $10,000 $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 more Travelsure - International $10,000 $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Downunder Insurance Plan A - Comprehensive $20,000 $60,000 Unlimited Unlimited $750 $10,000 $500 $3,000 Fastcover Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Fastcover Plan D - Comprehensive with Snow C Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Go Insurance Go Basic - International $60,000 $80,000 $20,000,000 $40,000,000 $3,000 $30,000 $1,000 $2,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $50,000 Unlimited Unlimited $2,000 $3,000 $12,000 $600 Greater Building Society Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 HBF Insurance Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 HBF Insurance Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 HCF Insurance International Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $500 $6,000 HSBC Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Hume Building Society Plan A - Comprehensive Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Hume Building Society Plan D - Snow Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 itrek Gold $30,000 $30,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 Kango L4 - Eastern Grey $25,000 N/A $12,500,000 $25,000,000 $2,000 $12,000 $500 $3,000 Kango L5 - Big Red $30,000 $100,000 Unlimited Unlimited $2,000 $15,000 $750 $3,000 multitrip.com.au International - Premier Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 $800 N/A nab Plan A - International Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 OUCH Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 People's Choice Credit Union Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 People's Choice Credit Union Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Priceline Protects International - Essential $10,000 N/A Unlimited Unlimited Unlimited $3,000 N/A $1,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 153

Family - International - France Fee Medical QBE A Travel Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 QBE Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 RAC Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 Real Insurance Basics - International $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Simply Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Ski Insurance Plan A - International Unlimited $50,000 Unlimited Unlimited $500 $10,000 $500 $3,000 St.George Bank Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Travel Insuranz Deluxe $40,000 $120,000 $20,000,000 $40,000,000 $4,000 $30,000 $2,400 $3,000 Travel Insuranz Premier $20,000 $40,000 $20,000,000 $40,000,000 $2,000 $14,000 $600 $500 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 Virgin Australia Comprehensive Unlimited $50,000 Unlimited Unlimited $0 $10,000 $500 $3,000 Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $4,000 $10,000 N/A $3,000 Webjet Essentials - Plan B $10,000 $30,000 $10,000,000 $10,000,000 $2,000 $3,000 $250 $500 Westpac Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Woolworths Basic $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 World Nomads Explorer Unlimited $25,000 Unlimited Unlimited $1,000 $20,000 $250 $2,000 World Nomads Standard $7,000 N/A $10,000,000 $1,000,000 $1,000 $4,000 N/A $500 AIG Gold (C12) Unlimited $50,000 Unlimited Unlimited $2,000 $30,000 $1,000 $3,000 Aussie Travel Basic - Super $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $250 $1,500 Aussie Travel Plan A - Super Unlimited $50,000 Unlimited Unlimited $1,000 $16,000 $250 $4,000 Australian Unity Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 154

Family - International - France Fee Medical BUPA International - Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 CGU Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 CHI Travel Insurance Basic - International $6,000 $20,000 Unlimited Unlimited $500 $6,000 $500 $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $16,000 $250 $3,000 multitrip.com.au International - Premier $30,000 $40,000 Unlimited Unlimited $2,000 $15,000 $400 N/A Onepath International Travel Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 RAC Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACQ Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACV Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 St.George Bank Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Suresave Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $24,000 $500 $4,000 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $10,000 $500 $3,000 HCF Insurance Elements Plan $20,000 N/A $20,000,000 $20,000,000 20,000,00 $6,000 N/A $300 multitrip.com.au International - Essentials $6,000 $20,000 $10,000,000 $20,000,000 $2,000 $4,000 N/A N/A RACQ Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACV Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 Suresave Budget $10,000 N/A Unlimited Unlimited $1,000 $10,000 $500 $4,000 Travellers Choice Basic - International Unlimited $22,000 $20,000,000 $20,000,000 20,000,00 $3,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 155

Family - International - Japan Fee Medical Citibank International - Essential $50,000 $40,000 Unlimited Unlimited Unlimited $10,000 N/A $3,500 Insure and Go Gold Unlimited $130,000 Unlimited Unlimited $2,000 $32,000 $2,000 $3,000 Insure and Go Silver $60,000 $100,000 Unlimited Unlimited $2,000 $24,000 $1,000 $2,000 Real Insurance Basics - International $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Real Insurance Comprehensive - International $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Travel Insurance Direct International Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $4,000 Travel Insuranz Classic $10,000 N/A $20,000,000 $40,000,000 $2,000 $10,000 $500 $500 Woolworths Basic $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Woolworths Comprehensive $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Worldcare Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $3,000 1300 Insurance Plan A Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 AAMI International Travel Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 N/A $3,000 Australia Post International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $15,000 $500 $3,000 Citibank International - Premium $100,000 $50,000 Unlimited Unlimited Unlimited $20,000 $400 $3,500 Downunder Insurance Plan C - Backpackers $5,000 $30,000 Unlimited Unlimited $1,500 $4,000 $500 $3,000 Good2Go Essentials Travel Insurance $20,000 N/A $10,000,000 $10,000,000 $1,000 $6,000 N/A $250 Medibank International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $16,000 $500 $3,000 NRMA International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,000 NRMA International Essentials Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 Online Travel Insurance Plan A - Comprehensive $50,000 $50,000 Unlimited Unlimited $1,000 $1,000 $500 $3,000 OUCH A Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 Priceline Protects International - Essential $10,000 N/A Unlimited Unlimited Unlimited $3,000 N/A $1,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 156

Family - International - Japan Fee Medical Priceline Protects International - Premium $20,000 $50,000 Unlimited Unlimited Unlimited $10,000 $400 $3,500 QBE A Travel Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 Southern Cross Travel Insuranc Superworld $100,000 $200,000 Unlimited Unlimited $3,000 $50,000 $500 $3,000 Travel Insuranz Premier $20,000 $40,000 $20,000,000 $40,000,000 $2,000 $14,000 $600 $500 Virgin Australia Comprehensive Unlimited $50,000 Unlimited Unlimited $0 $10,000 $500 $3,000 Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $4,000 $10,000 N/A $3,000 Virgin Money Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $400 $3,000 World Nomads Standard $7,000 N/A $10,000,000 $1,000,000 $1,000 $4,000 N/A $500 1 Direct Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $10,000 $250 $3,000 AIG Gold (C12) Unlimited $50,000 Unlimited Unlimited $2,000 $30,000 $1,000 $3,000 Allianz Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $60,000 Unlimited Unlimited Unlimited $30,000 $500 $3,000 American Express Essentials -Single Trip International $20,000 N/A Unlimited Unlimited Unlimited $10,000 $0 $1,500 ANZ International Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 Big Sky Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Budget Direct Plan A - Platinum Unlimited $40,000 Unlimited Unlimited $500 $10,000 $250 $3,000 Budget Direct Plan B - Silver $20,000 N/A Unlimited Unlimited $500 $6,000 N/A $3,000 CGU Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Citibank International - Elite Unlimited $200,000 Unlimited Unlimited Unlimited $60,000 $400 $3,500 Columbus Direct Premier $30,000 $150,000 $40,000,000 $40,000,000 $4,000 $15,000 $2,000 $3,000 Columbus Direct Standard $20,000 $100,000 $25,000,000 $25,000,000 $2,000 $12,000 $1,000 $3,000 more Essentials - International $10,000 $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 157

Family - International - Japan Fee Medical more Travelsure - International $10,000 $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Downunder Insurance Plan A - Comprehensive $20,000 $60,000 Unlimited Unlimited $750 $10,000 $500 $3,000 Fastcover Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Fastcover Plan D - Comprehensive with Snow C Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Fastcover Plan E - Standard Unlimited $30,000 Unlimited Unlimited $500 $10,000 N/A $3,000 GIO Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Go Insurance Go Basic - International $60,000 $80,000 $20,000,000 $40,000,000 $3,000 $30,000 $1,000 $2,000 Go Insurance Go Plus - International $100,000 $100,000 $20,000,000 $40,000,000 $6,000 $40,000 $2,000 $3,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $50,000 Unlimited Unlimited $2,000 $3,000 $12,000 $600 Greater Building Society Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 HBF Insurance Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 HCF Insurance International Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $500 $6,000 HSBC Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Hume Building Society Plan A - Comprehensive Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 itrek Gold $30,000 $30,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 itrek Platinum Unlimited $30,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 Kango L2 - Rock Wallaby $20,000 N/A $5,000,000 $10,000,000 $1,000 $6,000 N/A $250 Kango L3 - Wallaby $25,000 N/A $5,000,000 $10,000,000 $1,000 $10,000 $250 $3,000 Kango L4 - Eastern Grey $25,000 N/A $12,500,000 $25,000,000 $2,000 $12,000 $500 $3,000 Kango L5 - Big Red $30,000 $100,000 Unlimited Unlimited $2,000 $15,000 $750 $3,000 multitrip.com.au International - Premier Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 $800 N/A My Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 nab Plan A - International Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 OUCH Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 158

Family - International - Japan Fee Medical People's Choice Credit Union Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 QBE Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 RAC Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 Simply Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 St.George Bank Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Travel Insuranz Deluxe $40,000 $120,000 $20,000,000 $40,000,000 $4,000 $30,000 $2,400 $3,000 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $1,000 $6,000 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $2,000 $10,000 $500 $500 Webjet Essentials - Plan B $10,000 $30,000 $10,000,000 $10,000,000 $2,000 $3,000 $250 $500 Westpac Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 World Nomads Explorer Unlimited $25,000 Unlimited Unlimited $1,000 $20,000 $250 $2,000 Aussie Travel Basic - Super $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $250 $1,500 Aussie Travel Plan A - Super Unlimited $50,000 Unlimited Unlimited $1,000 $16,000 $250 $4,000 Australian Unity Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 BUPA International - Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 CHI Travel Insurance Basic - International $6,000 $20,000 Unlimited Unlimited $500 $6,000 $500 $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $16,000 $250 $3,000 multitrip.com.au International - Premier $30,000 $40,000 Unlimited Unlimited $2,000 $15,000 $400 N/A Onepath International Travel Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 RAC Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 159

Family - International - Japan Fee Medical RACQ Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACV Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 Ski Insurance Plan A - International Unlimited $50,000 Unlimited Unlimited $500 $10,000 $500 $3,000 Suresave Budget $10,000 N/A Unlimited Unlimited $1,000 $10,000 $500 $4,000 Suresave Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $24,000 $500 $4,000 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $10,000 $500 $3,000 HCF Insurance Elements Plan $20,000 N/A $20,000,000 $20,000,000 20,000,00 $6,000 N/A $300 Hume Building Society Plan D - Snow Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 multitrip.com.au International - Essentials $6,000 $20,000 $10,000,000 $20,000,000 $2,000 $4,000 N/A N/A RACQ Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACV Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 Travellers Choice Basic - International Unlimited $22,000 $20,000,000 $20,000,000 20,000,00 $3,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 160

Family - International - New Zealand Fee Medical AAMI International Travel Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 N/A $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $60,000 Unlimited Unlimited Unlimited $30,000 $500 $3,000 Downunder Insurance Plan C - Backpackers $5,000 $30,000 Unlimited Unlimited $1,500 $4,000 $500 $3,000 Good2Go Essentials Travel Insurance $20,000 N/A $10,000,000 $10,000,000 $1,000 $6,000 N/A $250 Insure and Go Gold Unlimited $130,000 Unlimited Unlimited $2,000 $32,000 $2,000 $3,000 Insure and Go Silver $60,000 $100,000 Unlimited Unlimited $2,000 $24,000 $1,000 $2,000 Kango L2 - Rock Wallaby $20,000 N/A $5,000,000 $10,000,000 $1,000 $6,000 N/A $250 Real Insurance Basics - International $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Real Insurance Comprehensive - International $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Southern Cross Travel Insuranc New Zealand / South Pacific $100,000 $200,000 Unlimited Unlimited $3,000 $50,000 $500 $3,000 Travel Insurance Direct International Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $4,000 Travel Insuranz Classic $10,000 N/A $20,000,000 $40,000,000 $2,000 $10,000 $500 $500 Worldcare Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $3,000 1300 Insurance Plan A Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 1 Direct Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $10,000 $250 $3,000 American Express Essentials -Single Trip International $20,000 N/A Unlimited Unlimited Unlimited $10,000 $0 $1,500 Australia Post International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $15,000 $500 $3,000 Budget Direct Plan A - Platinum Unlimited $40,000 Unlimited Unlimited $500 $10,000 $250 $3,000 Downunder Insurance Plan A - Comprehensive $20,000 $60,000 Unlimited Unlimited $750 $10,000 $500 $3,000 GIO Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $50,000 Unlimited Unlimited $2,000 $3,000 $12,000 $600 HCF Insurance International Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $500 $6,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 161

Family - International - New Zealand Fee Medical itrek Platinum Unlimited $30,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 Kango L3 - Wallaby $25,000 N/A $5,000,000 $10,000,000 $1,000 $10,000 $250 $3,000 Medibank International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $16,000 $500 $3,000 NRMA International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,000 NRMA International Essentials Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 Online Travel Insurance Plan A - Comprehensive $50,000 $50,000 Unlimited Unlimited $1,000 $1,000 $500 $3,000 OUCH C Travel Plan Unlimited $20,000 Unlimited Unlimited Unlimited $30,000 N/A $1,000 Travel Insuranz Deluxe $40,000 $120,000 $20,000,000 $40,000,000 $4,000 $30,000 $2,400 $3,000 Travel Insuranz Premier $20,000 $40,000 $20,000,000 $40,000,000 $2,000 $14,000 $600 $500 Virgin Australia Comprehensive Unlimited $50,000 Unlimited Unlimited $0 $10,000 $500 $3,000 Virgin Money Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $400 $3,000 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $1,000 $6,000 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $2,000 $10,000 $500 $500 Woolworths Comprehensive $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 AIG Bronze (E12) Unlimited $50,000 Unlimited Unlimited $2,000 $30,000 $1,000 $3,000 Allianz Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 ANZ International Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 Aussie Travel Basic - NZ/Indonesia/Fiji $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $250 $1,500 Australian Unity Economy Unlimited $20,000 $250,000 $250,000 $2,000 $7,000 N/A $500 Australian Unity Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Big Sky Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Budget Direct Plan B - Silver $20,000 N/A Unlimited Unlimited $500 $6,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 162

Family - International - New Zealand Fee Medical CGU Economy Unlimited $20,000 $250,000 $250,000 $2,000 $7,000 N/A $500 CGU Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 CHI Travel Insurance Basic - International $6,000 $20,000 Unlimited Unlimited $500 $6,000 $500 $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $16,000 $250 $3,000 Citibank International - Essential $50,000 $40,000 Unlimited Unlimited Unlimited $10,000 N/A $3,500 Citibank International - Premium $100,000 $50,000 Unlimited Unlimited Unlimited $20,000 $400 $3,500 Columbus Direct Premier $30,000 $150,000 $40,000,000 $40,000,000 $4,000 $15,000 $2,000 $3,000 Columbus Direct Standard $20,000 $100,000 $25,000,000 $25,000,000 $2,000 $12,000 $1,000 $3,000 more Travelsure - International $10,000 $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Fastcover Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Fastcover Plan D - Comprehensive with Snow C Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Fastcover Plan E - Standard Unlimited $30,000 Unlimited Unlimited $500 $10,000 N/A $3,000 Go Insurance Go Basic - International $60,000 $80,000 $20,000,000 $40,000,000 $3,000 $30,000 $1,000 $2,000 Go Insurance Go Plus - International $100,000 $100,000 $20,000,000 $40,000,000 $6,000 $40,000 $2,000 $3,000 Greater Building Society Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 HBF Insurance Economy Unlimited $20,000 $250,000 $250,000 $2,000 $7,000 N/A $500 HBF Insurance Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 HBF Insurance Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 HSBC Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Hume Building Society Plan A - Comprehensive Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Hume Building Society Plan D - Snow Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 itrek Gold $30,000 $30,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 Kango L4 - Eastern Grey $25,000 N/A $12,500,000 $25,000,000 $2,000 $12,000 $500 $3,000 Kango L5 - Big Red $30,000 $100,000 Unlimited Unlimited $2,000 $15,000 $750 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 163

Family - International - New Zealand Fee Medical multitrip.com.au International - Premier $30,000 $40,000 Unlimited Unlimited $2,000 $15,000 $400 N/A multitrip.com.au International - Premier Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 $800 N/A My Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 nab Plan A - International Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Onepath International Travel Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 OUCH A Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 OUCH B Travel Plan Unlimited $36,000 Unlimited Unlimited Unlimited $30,000 N/A $2,000 OUCH Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 People's Choice Credit Union Economy Unlimited $20,000 $250,000 $250,000 $2,000 $7,000 N/A $500 People's Choice Credit Union Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Priceline Protects International - Essential $10,000 N/A Unlimited Unlimited Unlimited $3,000 N/A $1,000 Priceline Protects International - Premium $20,000 $50,000 Unlimited Unlimited Unlimited $10,000 $400 $3,500 QBE A Travel Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 QBE B Travel Unlimited $36,000 Unlimited Unlimited Unlimited $30,000 N/A $2,000 QBE C Travel Unlimited $20,000 Unlimited Unlimited Unlimited $30,000 N/A $1,000 QBE Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 RAC Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACQ Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACV Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 Simply Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Ski Insurance Plan A - International Unlimited $50,000 Unlimited Unlimited $500 $10,000 $500 $3,000 St.George Bank Economy Unlimited $20,000 $250,000 $250,000 $2,000 $7,000 N/A $500 St.George Bank Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 164

Family - International - New Zealand Fee Medical Suresave Budget $10,000 N/A Unlimited Unlimited $1,000 $10,000 $500 $4,000 Suresave Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $24,000 $500 $4,000 Webjet Essentials - Plan B $10,000 $30,000 $10,000,000 $10,000,000 $2,000 $3,000 $250 $500 Westpac Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Woolworths Basic $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $10,000 $500 $3,000 Aussie Travel Plan A - NZ/Indonesia/Fiji Unlimited $20,000 Unlimited Unlimited $1,000 $6,000 $250 $3,000 Australian Unity Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 Australian Unity Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 BUPA International - Economy Unlimited $20,000 $250,000 $250,000 $2,000 $7,000 N/A $500 BUPA International - Super Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 BUPA International - Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 CGU Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 CGU Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Citibank International - Elite Unlimited $200,000 Unlimited Unlimited Unlimited $60,000 $400 $3,500 more Essentials - International $10,000 $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 HBF Insurance Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 multitrip.com.au International - Essentials $6,000 $20,000 $10,000,000 $20,000,000 $2,000 $4,000 N/A N/A People's Choice Credit Union Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 People's Choice Credit Union Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 St.George Bank Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 St.George Bank Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 165

Family - International - New Zealand Fee Medical Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 World Nomads Explorer Unlimited $25,000 Unlimited Unlimited $1,000 $20,000 $250 $2,000 BUPA International - Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 HCF Insurance Elements Plan $20,000 N/A $20,000,000 $20,000,000 20,000,00 $6,000 N/A $300 RAC Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACQ Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACV Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 Travellers Choice Basic - International Unlimited $22,000 $20,000,000 $20,000,000 20,000,00 $3,000 N/A $3,000 World Nomads Standard $7,000 N/A $10,000,000 $1,000,000 $1,000 $4,000 N/A $500 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 166

Family - International - South Africa Fee Medical Downunder Insurance Plan C - Backpackers $5,000 $30,000 Unlimited Unlimited $1,500 $4,000 $500 $3,000 Good2Go Essentials Travel Insurance $20,000 N/A $10,000,000 $10,000,000 $1,000 $6,000 N/A $250 Insure and Go Gold Unlimited $130,000 Unlimited Unlimited $2,000 $32,000 $2,000 $3,000 Insure and Go Silver $60,000 $100,000 Unlimited Unlimited $2,000 $24,000 $1,000 $2,000 Kango L2 - Rock Wallaby $20,000 N/A $5,000,000 $10,000,000 $1,000 $6,000 N/A $250 Southern Cross Travel Insuranc World $100,000 $200,000 Unlimited Unlimited $3,000 $50,000 $500 $3,000 Travel Insurance Direct International Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $4,000 Travel Insuranz Classic $10,000 N/A $20,000,000 $40,000,000 $2,000 $10,000 $500 $500 Virgin Money Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $400 $3,000 Woolworths Comprehensive $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 1 Direct Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $10,000 $250 $3,000 AAMI International Travel Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 N/A $3,000 Citibank International - Essential $50,000 $40,000 Unlimited Unlimited Unlimited $10,000 N/A $3,500 Citibank International - Premium $100,000 $50,000 Unlimited Unlimited Unlimited $20,000 $400 $3,500 Downunder Insurance Plan A - Comprehensive $20,000 $60,000 Unlimited Unlimited $750 $10,000 $500 $3,000 GIO Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Go Insurance Go Basic - International $60,000 $80,000 $20,000,000 $40,000,000 $3,000 $30,000 $1,000 $2,000 Go Insurance Go Plus - International $100,000 $100,000 $20,000,000 $40,000,000 $6,000 $40,000 $2,000 $3,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $50,000 Unlimited Unlimited $2,000 $3,000 $12,000 $600 itrek Platinum Unlimited $30,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 Kango L3 - Wallaby $25,000 N/A $5,000,000 $10,000,000 $1,000 $10,000 $250 $3,000 My Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 167

Family - International - South Africa Fee Medical OUCH A Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 Priceline Protects International - Premium $20,000 $50,000 Unlimited Unlimited Unlimited $10,000 $400 $3,500 QBE A Travel Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 Real Insurance Basics - International $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Real Insurance Comprehensive - International $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Travel Insuranz Deluxe $40,000 $120,000 $20,000,000 $40,000,000 $4,000 $30,000 $2,400 $3,000 Travel Insuranz Premier $20,000 $40,000 $20,000,000 $40,000,000 $2,000 $14,000 $600 $500 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $1,000 $6,000 N/A $3,000 Woolworths Basic $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Worldcare Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $3,000 1300 Insurance Plan A Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 AIG Gold (C12) Unlimited $50,000 Unlimited Unlimited $2,000 $30,000 $1,000 $3,000 Allianz Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $60,000 Unlimited Unlimited Unlimited $30,000 $500 $3,000 American Express Essentials -Single Trip International $20,000 N/A Unlimited Unlimited Unlimited $10,000 $0 $1,500 ANZ International Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 Australia Post International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $15,000 $500 $3,000 Australian Unity Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Australian Unity Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Big Sky Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Budget Direct Plan A - Platinum Unlimited $40,000 Unlimited Unlimited $500 $10,000 $250 $3,000 Budget Direct Plan B - Silver $20,000 N/A Unlimited Unlimited $500 $6,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 168

Family - International - South Africa Fee Medical BUPA International - Super Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 CGU Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 CGU Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Citibank International - Elite Unlimited $200,000 Unlimited Unlimited Unlimited $60,000 $400 $3,500 Columbus Direct Premier $30,000 $150,000 $40,000,000 $40,000,000 $4,000 $15,000 $2,000 $3,000 Columbus Direct Standard $20,000 $100,000 $25,000,000 $25,000,000 $2,000 $12,000 $1,000 $3,000 more Travelsure - International $10,000 $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Fastcover Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Fastcover Plan D - Comprehensive with Snow C Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Fastcover Plan E - Standard Unlimited $30,000 Unlimited Unlimited $500 $10,000 N/A $3,000 Greater Building Society Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 HBF Insurance Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 HBF Insurance Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 HCF Insurance International Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $500 $6,000 Hume Building Society Plan A - Comprehensive Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 itrek Gold $30,000 $30,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 Kango L4 - Eastern Grey $25,000 N/A $12,500,000 $25,000,000 $2,000 $12,000 $500 $3,000 Kango L5 - Big Red $30,000 $100,000 Unlimited Unlimited $2,000 $15,000 $750 $3,000 Medibank International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $16,000 $500 $3,000 multitrip.com.au International - Premier Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 $800 N/A nab Plan A - International Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 NRMA International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,000 NRMA International Essentials Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 Onepath International Travel Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 169

Family - International - South Africa Fee Medical Online Travel Insurance Plan A - Comprehensive $50,000 $50,000 Unlimited Unlimited $1,000 $1,000 $500 $3,000 OUCH Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 People's Choice Credit Union Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 People's Choice Credit Union Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Priceline Protects International - Essential $10,000 N/A Unlimited Unlimited Unlimited $3,000 N/A $1,000 QBE Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 Simply Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Ski Insurance Plan A - International Unlimited $50,000 Unlimited Unlimited $500 $10,000 $500 $3,000 St.George Bank Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 St.George Bank Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Virgin Australia Comprehensive Unlimited $50,000 Unlimited Unlimited $0 $10,000 $500 $3,000 Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $4,000 $10,000 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $2,000 $10,000 $500 $500 Webjet Essentials - Plan B $10,000 $30,000 $10,000,000 $10,000,000 $2,000 $3,000 $250 $500 Westpac Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 World Nomads Explorer Unlimited $25,000 Unlimited Unlimited $1,000 $20,000 $250 $2,000 World Nomads Standard $7,000 N/A $10,000,000 $1,000,000 $1,000 $4,000 N/A $500 Aussie Travel Basic - Super Plus $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $250 $1,500 Aussie Travel Plan A - Super Plus Unlimited $50,000 Unlimited Unlimited $1,000 $20,000 $250 $4,000 BUPA International - Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 CHI Travel Insurance Basic - International $6,000 $20,000 Unlimited Unlimited $500 $6,000 $500 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 170

Family - International - South Africa Fee Medical CHI Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $16,000 $250 $3,000 more Essentials - International $10,000 $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 HSBC Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Hume Building Society Plan D - Snow Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 multitrip.com.au International - Premier $30,000 $40,000 Unlimited Unlimited $2,000 $15,000 $400 N/A RAC Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACQ Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACV Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 Suresave Budget $10,000 N/A Unlimited Unlimited $1,000 $10,000 $500 $4,000 Suresave Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $24,000 $500 $4,000 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $10,000 $500 $3,000 HCF Insurance Elements Plan $20,000 N/A $20,000,000 $20,000,000 20,000,00 $6,000 N/A $300 multitrip.com.au International - Essentials $6,000 $20,000 $10,000,000 $20,000,000 $2,000 $4,000 N/A N/A RAC Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACQ Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACV Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 Travellers Choice Basic - International Unlimited $22,000 $20,000,000 $20,000,000 20,000,00 $3,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 171

Family - International - Thailand Fee Medical AAMI International Travel Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 N/A $3,000 Citibank International - Essential $50,000 $40,000 Unlimited Unlimited Unlimited $10,000 N/A $3,500 Good2Go Essentials Travel Insurance $20,000 N/A $10,000,000 $10,000,000 $1,000 $6,000 N/A $250 Insure and Go Gold Unlimited $130,000 Unlimited Unlimited $2,000 $32,000 $2,000 $3,000 Insure and Go Silver $60,000 $100,000 Unlimited Unlimited $2,000 $24,000 $1,000 $2,000 OUCH B Travel Plan Unlimited $36,000 Unlimited Unlimited Unlimited $30,000 N/A $2,000 Real Insurance Comprehensive - International $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Southern Cross Travel Insuranc World $100,000 $200,000 Unlimited Unlimited $3,000 $50,000 $500 $3,000 Travel Insurance Direct International Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $4,000 Travel Insuranz Classic $10,000 N/A $20,000,000 $40,000,000 $2,000 $10,000 $500 $500 Woolworths Comprehensive $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Worldcare Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $3,000 1300 Insurance Plan A Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $60,000 Unlimited Unlimited Unlimited $30,000 $500 $3,000 Budget Direct Plan A - Platinum Unlimited $40,000 Unlimited Unlimited $500 $10,000 $250 $3,000 Budget Direct Plan B - Silver $20,000 N/A Unlimited Unlimited $500 $6,000 N/A $3,000 Citibank International - Premium $100,000 $50,000 Unlimited Unlimited Unlimited $20,000 $400 $3,500 Downunder Insurance Plan C - Backpackers $5,000 $30,000 Unlimited Unlimited $1,500 $4,000 $500 $3,000 Fastcover Plan E - Standard Unlimited $30,000 Unlimited Unlimited $500 $10,000 N/A $3,000 GIO Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Go Insurance Go Plus - International $100,000 $100,000 $20,000,000 $40,000,000 $6,000 $40,000 $2,000 $3,000 Kango L2 - Rock Wallaby $20,000 N/A $5,000,000 $10,000,000 $1,000 $6,000 N/A $250 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 172

Family - International - Thailand Fee Medical My Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 NRMA International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,000 OUCH A Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 Priceline Protects International - Essential $10,000 N/A Unlimited Unlimited Unlimited $3,000 N/A $1,000 Priceline Protects International - Premium $20,000 $50,000 Unlimited Unlimited Unlimited $10,000 $400 $3,500 QBE B Travel Unlimited $36,000 Unlimited Unlimited Unlimited $30,000 N/A $2,000 Real Insurance Basics - International $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Virgin Money Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $400 $3,000 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $1,000 $6,000 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $2,000 $10,000 $500 $500 Webjet Essentials - Plan B $10,000 $30,000 $10,000,000 $10,000,000 $2,000 $3,000 $250 $500 Woolworths Basic $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 1 Direct Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $10,000 $250 $3,000 Allianz Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 American Express Essentials -Single Trip International $20,000 N/A Unlimited Unlimited Unlimited $10,000 $0 $1,500 ANZ International Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 Australia Post International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $15,000 $500 $3,000 Australian Unity Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Big Sky Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 BUPA International - Super Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 CGU Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 CGU Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 173

Family - International - Thailand Fee Medical Citibank International - Elite Unlimited $200,000 Unlimited Unlimited Unlimited $60,000 $400 $3,500 Columbus Direct Premier $30,000 $150,000 $40,000,000 $40,000,000 $4,000 $15,000 $2,000 $3,000 Columbus Direct Standard $20,000 $100,000 $25,000,000 $25,000,000 $2,000 $12,000 $1,000 $3,000 more Essentials - International $10,000 $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 more Travelsure - International $10,000 $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Downunder Insurance Plan A - Comprehensive $20,000 $60,000 Unlimited Unlimited $750 $10,000 $500 $3,000 Fastcover Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Fastcover Plan D - Comprehensive with Snow C Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Go Insurance Go Basic - International $60,000 $80,000 $20,000,000 $40,000,000 $3,000 $30,000 $1,000 $2,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $50,000 Unlimited Unlimited $2,000 $3,000 $12,000 $600 Greater Building Society Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 HBF Insurance Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 HBF Insurance Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 HBF Insurance Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 HCF Insurance International Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $500 $6,000 HSBC Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Hume Building Society Plan A - Comprehensive Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Hume Building Society Plan D - Snow Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 itrek Gold $30,000 $30,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 itrek Platinum Unlimited $30,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 Kango L3 - Wallaby $25,000 N/A $5,000,000 $10,000,000 $1,000 $10,000 $250 $3,000 Kango L4 - Eastern Grey $25,000 N/A $12,500,000 $25,000,000 $2,000 $12,000 $500 $3,000 Kango L5 - Big Red $30,000 $100,000 Unlimited Unlimited $2,000 $15,000 $750 $3,000 Medibank International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $16,000 $500 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 174

Family - International - Thailand Fee Medical multitrip.com.au International - Premier Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 $800 N/A nab Plan A - International Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 NRMA International Essentials Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 Online Travel Insurance Plan A - Comprehensive $50,000 $50,000 Unlimited Unlimited $1,000 $1,000 $500 $3,000 OUCH Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 People's Choice Credit Union Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 People's Choice Credit Union Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 People's Choice Credit Union Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 QBE A Travel Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 QBE Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 RAC Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 Simply Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Ski Insurance Plan A - International Unlimited $50,000 Unlimited Unlimited $500 $10,000 $500 $3,000 St.George Bank Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 St.George Bank Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Travel Insuranz Deluxe $40,000 $120,000 $20,000,000 $40,000,000 $4,000 $30,000 $2,400 $3,000 Travel Insuranz Premier $20,000 $40,000 $20,000,000 $40,000,000 $2,000 $14,000 $600 $500 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 Virgin Australia Comprehensive Unlimited $50,000 Unlimited Unlimited $0 $10,000 $500 $3,000 Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $4,000 $10,000 N/A $3,000 Westpac Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 World Nomads Explorer Unlimited $25,000 Unlimited Unlimited $1,000 $20,000 $250 $2,000 World Nomads Standard $7,000 N/A $10,000,000 $1,000,000 $1,000 $4,000 N/A $500 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 175

Family - International - Thailand Fee Medical AIG Silver (D12) Unlimited $50,000 Unlimited Unlimited $2,000 $30,000 $1,000 $3,000 Aussie Travel Basic - Standard $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $250 $1,500 Aussie Travel Plan A - Standard Unlimited $30,000 Unlimited Unlimited $1,000 $10,000 $250 $4,000 Australian Unity Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 Australian Unity Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 BUPA International - Standard Unlimited $30,000 $600,000 $600,000 $2,000 $10,000 N/A $2,000 BUPA International - Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 CGU Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 CHI Travel Insurance Basic - International $6,000 $20,000 Unlimited Unlimited $500 $6,000 $500 $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $16,000 $250 $3,000 multitrip.com.au International - Premier $30,000 $40,000 Unlimited Unlimited $2,000 $15,000 $400 N/A Onepath International Travel Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 RAC Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACQ Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACV Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 St.George Bank Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Suresave Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $24,000 $500 $4,000 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $10,000 $500 $3,000 HCF Insurance Elements Plan $20,000 N/A $20,000,000 $20,000,000 20,000,00 $6,000 N/A $300 multitrip.com.au International - Essentials $6,000 $20,000 $10,000,000 $20,000,000 $2,000 $4,000 N/A N/A RACQ Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACV Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 176

Family - International - Thailand Fee Medical Suresave Budget $10,000 N/A Unlimited Unlimited $1,000 $10,000 $500 $4,000 Travellers Choice Basic - International Unlimited $22,000 $20,000,000 $20,000,000 20,000,00 $3,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 177

Family - International - United Kingdon Fee Medical AAMI International Travel Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 N/A $3,000 Good2Go Essentials Travel Insurance $20,000 N/A $10,000,000 $10,000,000 $1,000 $6,000 N/A $250 Insure and Go Gold Unlimited $130,000 Unlimited Unlimited $2,000 $32,000 $2,000 $3,000 Insure and Go Silver $60,000 $100,000 Unlimited Unlimited $2,000 $24,000 $1,000 $2,000 OUCH B Travel Plan Unlimited $36,000 Unlimited Unlimited Unlimited $30,000 N/A $2,000 Real Insurance Comprehensive - International $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Southern Cross Travel Insuranc World $100,000 $200,000 Unlimited Unlimited $3,000 $50,000 $500 $3,000 Travel Insurance Direct International Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $4,000 Travel Insuranz Classic $10,000 N/A $20,000,000 $40,000,000 $2,000 $10,000 $500 $500 Woolworths Comprehensive $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Worldcare Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $3,000 1 Direct Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $10,000 $250 $3,000 Australia Post International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $15,000 $500 $3,000 Citibank International - Essential $50,000 $40,000 Unlimited Unlimited Unlimited $10,000 N/A $3,500 Downunder Insurance Plan C - Backpackers $5,000 $30,000 Unlimited Unlimited $1,500 $4,000 $500 $3,000 GIO Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Go Insurance Go Plus - International $100,000 $100,000 $20,000,000 $40,000,000 $6,000 $40,000 $2,000 $3,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $50,000 Unlimited Unlimited $2,000 $3,000 $12,000 $600 itrek Platinum Unlimited $30,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 Kango L2 - Rock Wallaby $20,000 N/A $5,000,000 $10,000,000 $1,000 $6,000 N/A $250 Kango L3 - Wallaby $25,000 N/A $5,000,000 $10,000,000 $1,000 $10,000 $250 $3,000 Medibank International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $16,000 $500 $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 178

Family - International - United Kingdon Fee Medical My Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 NRMA International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,000 NRMA International Essentials Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 Online Travel Insurance Plan A - Comprehensive $50,000 $50,000 Unlimited Unlimited $1,000 $1,000 $500 $3,000 OUCH A Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 QBE B Travel Unlimited $36,000 Unlimited Unlimited Unlimited $30,000 N/A $2,000 Real Insurance Basics - International $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Virgin Money Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $400 $3,000 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $1,000 $6,000 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $2,000 $10,000 $500 $500 Woolworths Basic $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 1300 Insurance Plan A Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 AIG Silver (D12) Unlimited $50,000 Unlimited Unlimited $2,000 $30,000 $1,000 $3,000 Allianz Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $60,000 Unlimited Unlimited Unlimited $30,000 $500 $3,000 American Express Essentials -Single Trip International $20,000 N/A Unlimited Unlimited Unlimited $10,000 $0 $1,500 ANZ International Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 Australian Unity Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Big Sky Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Budget Direct Plan A - Platinum Unlimited $40,000 Unlimited Unlimited $500 $10,000 $250 $3,000 Budget Direct Plan B - Silver $20,000 N/A Unlimited Unlimited $500 $6,000 N/A $3,000 BUPA International - Super Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 179

Family - International - United Kingdon Fee Medical CGU Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Citibank International - Elite Unlimited $200,000 Unlimited Unlimited Unlimited $60,000 $400 $3,500 Citibank International - Premium $100,000 $50,000 Unlimited Unlimited Unlimited $20,000 $400 $3,500 Columbus Direct Premier $30,000 $150,000 $40,000,000 $40,000,000 $4,000 $15,000 $2,000 $3,000 Columbus Direct Standard $20,000 $100,000 $25,000,000 $25,000,000 $2,000 $12,000 $1,000 $3,000 more Essentials - International $10,000 $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 more Travelsure - International $10,000 $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Downunder Insurance Plan A - Comprehensive $20,000 $60,000 Unlimited Unlimited $750 $10,000 $500 $3,000 Fastcover Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Fastcover Plan D - Comprehensive with Snow C Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Fastcover Plan E - Standard Unlimited $30,000 Unlimited Unlimited $500 $10,000 N/A $3,000 Go Insurance Go Basic - International $60,000 $80,000 $20,000,000 $40,000,000 $3,000 $30,000 $1,000 $2,000 Greater Building Society Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 HBF Insurance Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 HBF Insurance Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 HCF Insurance International Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $500 $6,000 HSBC Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Hume Building Society Plan A - Comprehensive Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 itrek Gold $30,000 $30,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 Kango L4 - Eastern Grey $25,000 N/A $12,500,000 $25,000,000 $2,000 $12,000 $500 $3,000 Kango L5 - Big Red $30,000 $100,000 Unlimited Unlimited $2,000 $15,000 $750 $3,000 nab Plan A - International Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Onepath International Travel Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 OUCH Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 180

Family - International - United Kingdon Fee Medical People's Choice Credit Union Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 People's Choice Credit Union Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Priceline Protects International - Essential $10,000 N/A Unlimited Unlimited Unlimited $3,000 N/A $1,000 Priceline Protects International - Premium $20,000 $50,000 Unlimited Unlimited Unlimited $10,000 $400 $3,500 QBE A Travel Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 N/A $3,000 QBE Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 RAC Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 Simply Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Ski Insurance Plan A - International Unlimited $50,000 Unlimited Unlimited $500 $10,000 $500 $3,000 St.George Bank Super Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Travel Insuranz Deluxe $40,000 $120,000 $20,000,000 $40,000,000 $4,000 $30,000 $2,400 $3,000 Travel Insuranz Premier $20,000 $40,000 $20,000,000 $40,000,000 $2,000 $14,000 $600 $500 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 Virgin Australia Comprehensive Unlimited $50,000 Unlimited Unlimited $0 $10,000 $500 $3,000 Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $4,000 $10,000 N/A $3,000 Webjet Essentials - Plan B $10,000 $30,000 $10,000,000 $10,000,000 $2,000 $3,000 $250 $500 Westpac Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 World Nomads Explorer Unlimited $25,000 Unlimited Unlimited $1,000 $20,000 $250 $2,000 World Nomads Standard $7,000 N/A $10,000,000 $1,000,000 $1,000 $4,000 N/A $500 Aussie Travel Basic - Standard $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $250 $1,500 Aussie Travel Plan A - Standard Unlimited $30,000 Unlimited Unlimited $1,000 $10,000 $250 $4,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 181

Family - International - United Kingdon Fee Medical Australian Unity Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 BUPA International - Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 CGU Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 CHI Travel Insurance Basic - International $6,000 $20,000 Unlimited Unlimited $500 $6,000 $500 $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $16,000 $250 $3,000 Hume Building Society Plan D - Snow Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 multitrip.com.au International - Premier Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 $800 N/A RAC Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACQ Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACV Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 St.George Bank Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Suresave Budget $10,000 N/A Unlimited Unlimited $1,000 $10,000 $500 $4,000 Suresave Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $24,000 $500 $4,000 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $10,000 $500 $3,000 HCF Insurance Elements Plan $20,000 N/A $20,000,000 $20,000,000 20,000,00 $6,000 N/A $300 multitrip.com.au International - Essentials $6,000 $20,000 $10,000,000 $20,000,000 $2,000 $4,000 N/A N/A multitrip.com.au International - Premier $30,000 $40,000 Unlimited Unlimited $2,000 $15,000 $400 N/A RACQ Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACV Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 Travellers Choice Basic - International Unlimited $22,000 $20,000,000 $20,000,000 20,000,00 $3,000 N/A $3,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 182

Family - International - USA Fee Medical AAMI International Travel Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 N/A $3,000 Citibank International - Essential $50,000 $40,000 Unlimited Unlimited Unlimited $10,000 N/A $3,500 Downunder Insurance Plan C - Backpackers $5,000 $30,000 Unlimited Unlimited $1,500 $4,000 $500 $3,000 Good2Go Essentials Travel Insurance $20,000 N/A $10,000,000 $10,000,000 $1,000 $6,000 N/A $250 Insure and Go Gold Unlimited $130,000 Unlimited Unlimited $2,000 $32,000 $2,000 $3,000 Insure and Go Silver $60,000 $100,000 Unlimited Unlimited $2,000 $24,000 $1,000 $2,000 Southern Cross Travel Insuranc Superworld $100,000 $200,000 Unlimited Unlimited $3,000 $50,000 $500 $3,000 Travel Insurance Direct International Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $4,000 Travel Insuranz Classic $10,000 N/A $20,000,000 $40,000,000 $2,000 $10,000 $500 $500 Virgin Money Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $400 $3,000 1300 Insurance Plan A Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 1 Direct Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $10,000 $250 $3,000 American Express Comprehensive - Single Trip Internatio Unlimited $60,000 Unlimited Unlimited Unlimited $30,000 $500 $3,000 Budget Direct Plan A - Platinum Unlimited $40,000 Unlimited Unlimited $500 $10,000 $250 $3,000 Citibank International - Premium $100,000 $50,000 Unlimited Unlimited Unlimited $20,000 $400 $3,500 Downunder Insurance Plan A - Comprehensive $20,000 $60,000 Unlimited Unlimited $750 $10,000 $500 $3,000 Fastcover Plan E - Standard Unlimited $30,000 Unlimited Unlimited $500 $10,000 N/A $3,000 GIO Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 itrek Platinum Unlimited $30,000 Unlimited Unlimited $1,000 $10,000 $500 $3,000 Kango L2 - Rock Wallaby $20,000 N/A $5,000,000 $10,000,000 $1,000 $6,000 N/A $250 My Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Priceline Protects International - Essential $10,000 N/A Unlimited Unlimited Unlimited $3,000 N/A $1,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 183

Family - International - USA Fee Medical Priceline Protects International - Premium $20,000 $50,000 Unlimited Unlimited Unlimited $10,000 $400 $3,500 Real Insurance Basics - International $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Real Insurance Comprehensive - International $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Travel Insuranz Premier $20,000 $40,000 $20,000,000 $40,000,000 $2,000 $14,000 $600 $500 Virgin Money Essentials - Plan E Unlimited N/A Unlimited Unlimited $1,000 $6,000 N/A $3,000 Webjet Comprehensive - Plan A Unlimited $50,000 Unlimited Unlimited $2,000 $10,000 $500 $500 Woolworths Basic $10,000 N/A Unlimited Unlimited Unlimited $10,000 N/A $3,000 Woolworths Comprehensive $24,000 $24,000 Unlimited Unlimited Unlimited $20,000 $500 $3,000 Worldcare Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $24,000 $250 $3,000 Allianz Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 American Express Essentials -Single Trip International $20,000 N/A Unlimited Unlimited Unlimited $10,000 $0 $1,500 ANZ International Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 Australia Post International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $15,000 $500 $3,000 Australian Unity Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Big Sky Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Budget Direct Plan B - Silver $20,000 N/A Unlimited Unlimited $500 $6,000 N/A $3,000 BUPA International - Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $20,000 N/A $3,000 CGU Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Citibank International - Elite Unlimited $200,000 Unlimited Unlimited Unlimited $60,000 $400 $3,500 Columbus Direct Premier $30,000 $150,000 $40,000,000 $40,000,000 $4,000 $15,000 $2,000 $3,000 Columbus Direct Standard $20,000 $100,000 $25,000,000 $25,000,000 $2,000 $12,000 $1,000 $3,000 more Essentials - International $10,000 $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 184

Family - International - USA Fee Medical more Travelsure - International $10,000 $40,000 Unlimited Unlimited Unlimited $12,000 $200 $2,500 Fastcover Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Fastcover Plan D - Comprehensive with Snow C Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Go Insurance Go Basic - International $60,000 $80,000 $20,000,000 $40,000,000 $3,000 $30,000 $1,000 $2,000 Go Insurance Go Plus - International $100,000 $100,000 $20,000,000 $40,000,000 $6,000 $40,000 $2,000 $3,000 Good2Go One-Trip Plans - F12, C12, D12, E12 Unlimited $50,000 Unlimited Unlimited $2,000 $3,000 $12,000 $600 Greater Building Society Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 HBF Insurance Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 HCF Insurance International Travel Plan Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $500 $6,000 HSBC Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Hume Building Society Plan A - Comprehensive Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 Hume Building Society Plan D - Snow Unlimited $30,000 Unlimited Unlimited $500 $15,000 $500 $3,000 itrek Gold $30,000 $30,000 Unlimited Unlimited $1,000 $10,000 N/A $3,000 Kango L3 - Wallaby $25,000 N/A $5,000,000 $10,000,000 $1,000 $10,000 $250 $3,000 Kango L4 - Eastern Grey $25,000 N/A $12,500,000 $25,000,000 $2,000 $12,000 $500 $3,000 Kango L5 - Big Red $30,000 $100,000 Unlimited Unlimited $2,000 $15,000 $750 $3,000 Medibank International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $16,000 $500 $3,000 nab Plan A - International Unlimited $50,000 Unlimited Unlimited $500 $15,000 $500 $3,000 NRMA International Comprehensive Unlimited $50,000 Unlimited Unlimited Unlimited $24,000 $400 $3,000 NRMA International Essentials Unlimited $20,000 $20,000,000 $20,000,000 20,000,00 $6,000 N/A $200 Online Travel Insurance Plan A - Comprehensive $50,000 $50,000 Unlimited Unlimited $1,000 $1,000 $500 $3,000 OUCH Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 People's Choice Credit Union Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 QBE Premier Plus Extras Unlimited $50,000 Unlimited Unlimited Unlimited $30,000 $200 $6,000 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 185

Family - International - USA Fee Medical RAC Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 Simply Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $15,000 $250 $3,000 Ski Insurance Plan A - International Unlimited $50,000 Unlimited Unlimited $500 $10,000 $500 $3,000 St.George Bank Super Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 N/A $4,000 Suncorp Bank Holiday Travel Insurance - Single Trip Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 Travel Insuranz Deluxe $40,000 $120,000 $20,000,000 $40,000,000 $4,000 $30,000 $2,400 $3,000 Virgin Australia Comprehensive Unlimited $50,000 Unlimited Unlimited $0 $10,000 $500 $3,000 Virgin Australia Essentials Unlimited N/A Unlimited Unlimited $4,000 $10,000 N/A $3,000 Webjet Essentials - Plan B $10,000 $30,000 $10,000,000 $10,000,000 $2,000 $3,000 $250 $500 Westpac Holiday Travel Insurance Unlimited $50,000 Unlimited Unlimited $2,000 $12,000 $500 $3,000 World Nomads Explorer Unlimited $25,000 Unlimited Unlimited $1,000 $20,000 $250 $2,000 World Nomads Standard $7,000 N/A $10,000,000 $1,000,000 $1,000 $4,000 N/A $500 AIG Platinum (F12) Unlimited $50,000 Unlimited Unlimited $2,000 $30,000 $1,000 $3,000 Aussie Travel Basic - Super Plus $6,000 $20,000 Unlimited Unlimited $1,000 $6,000 $250 $1,500 Aussie Travel Plan A - Super Plus Unlimited $50,000 Unlimited Unlimited $1,000 $20,000 $250 $4,000 CHI Travel Insurance Basic - International $6,000 $20,000 Unlimited Unlimited $500 $6,000 $500 $3,000 CHI Travel Insurance Plan A - Comprehensive Unlimited $50,000 Unlimited Unlimited $500 $16,000 $250 $3,000 multitrip.com.au International - Premier Plus Unlimited $50,000 Unlimited Unlimited $2,000 $24,000 $800 N/A Onepath International Travel Unlimited $50,000 Unlimited Unlimited $4,000 $30,000 $200 $6,000 RAC Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACQ Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 RACV Premium Unlimited $50,000 Unlimited Unlimited $1,000 $15,000 $500 $2,500 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 186

Family - International - USA Fee Medical Suresave Budget $10,000 N/A Unlimited Unlimited $1,000 $10,000 $500 $4,000 Suresave Comprehensive Unlimited $50,000 Unlimited Unlimited $1,000 $24,000 $500 $4,000 Travellers Choice Basic - International Unlimited $22,000 $20,000,000 $20,000,000 20,000,00 $3,000 N/A $3,000 Travellers Choice Comprehensive - International Unlimited $25,000 Unlimited Unlimited Unlimited $12,000 $200 $3,000 Zuji Comprehensive Unlimited $25,000 Unlimited Unlimited $500 $10,000 $500 $3,000 HCF Insurance Elements Plan $20,000 N/A $20,000,000 $20,000,000 20,000,00 $6,000 N/A $300 multitrip.com.au International - Essentials $6,000 $20,000 $10,000,000 $20,000,000 $2,000 $4,000 N/A N/A multitrip.com.au International - Premier $30,000 $40,000 Unlimited Unlimited $2,000 $15,000 $400 N/A RACQ Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 RACV Essentials $2,000 $20,000 Unlimited Unlimited $1,000 $5,000 N/A $200 TRAVEL INSURANCE STAR RATINGS 2014 - PAGE 187