Your easy-as guide to HIF health cover.

Your easy-as guide to HIF health cover. Visit hif.com.au or call 1300 13 40 60 to get a quote and join (or switch) today. The smart choice for health cover. Australia s first certified Carbon Neutral health fund Affordable Private Hospital and Ancillary Insurance Cover

What s inside? Why HIF is the smart choice for health cover Why choose HIF...2 Ancillary cover options...4 SmartTeeth dental benefits...8 Hospital cover options...12 Get a quote and join...17 Ways to pay and claim...19 SmartClaim for mobile...20 Waiting periods...22 We re guessing that choosing health insurance probably isn t high on your Things I really want to do with my spare time list. Frankly, it can be a bit of a chore. But it s important too. Who wants to be worrying about public hospital waiting lists or the cost of dental treatment when you or someone in your family needs health care?

So, we re here to make choosing the smartest health insurance as quick, simple and painless as possible, starting with the reasons why it makes sense to choose HIF in the first place. Reason 1 More choices and less confusion Choose the hospital you want. Choose your doctor or specialist. Choose your dentist, chiropractor, optometrist, physiotherapist and more. You even have a great choice of easy ways to make a claim (see page 19). And because we ve simplified things with four hospital cover options and four ancillary options to choose from, selecting the smartest cover for your situation and budget is easy, especially with our online product selector. Try it out at hif.com.au Reason 2 Small premiums, but BIG benefits We offer some of the most competitive and affordable private health insurance products in Australia. Our benefits are some of the best around, yet our average premium increases are consistently ranked among the lowest in the country. But how come our premiums are lower? Good question. Here s how... Reason 3 You get low premiums because we re highly efficient We don t pay income tax or dividends to shareholders we re a not-for-profit health fund. We don t have a vast network of expensive branches. We don t spend massive amounts on advertising. Instead, we keep our costs low by working smart and hard, with innovations like our SmartClaim mobile app providing another easy and efficient way to claim (see page 20) that keeps our overheads and your premiums down. Reason 4 We ve got Australia covered With us, you have access to over 500 private hospitals throughout Australia. That means, if you re going to be away from home, or you plan to relocate, we ll still be there to help you during your time of need. A reassuring thought, isn t it? Reason 5 We make switching easy If you want to switch to HIF (a smart choice), don t let the paperwork put you off. We ll take care of it all for you and we ll even honour the length of your membership with your previous fund, so (in most cases) you won t have to serve new waiting periods (see page 18 for more details). Reason 6 No anonymous off-shore call centres When you speak to one of our member service representatives, you re talking to a real HIF team member, right here in Australia a professional who works solely for you. Call us on 1300 13 40 60 and see for yourself. Reason 7 Get your money back if you re not satisfied We know we have the best health cover in Australia, but if you decide within 30 days of taking our cover that it isn t right for you (and you haven t claimed), we ll give you a full refund of any premiums you have paid. To see even more reasons, visit hif.com.au Claiming is easy with SmartClaim. SmartClaim is our free mobile app that makes it simple to submit ancillary claims when you re out and about. Turn to page 20 to find out more. Affordable Private Hospital and Ancillary Insurance Cover

Ancillary Health Cover Options High quality, low cost ancillary health cover. Mention ancillary health insurance or ancillary costs and people tend to glaze over. It can seem a bit dull. But it s not. Ancillary insurance is a wonderful thing, providing cover for a range of everyday health services like dental, physiotherapy, optical, chiropractic, healthy lifestyle, ambulance and pharmacy. And, with some of the lowest premiums in Australia, our ancillary options are great value for money too. 4

What does our ancillary cover include? Medicare s great, but it only goes so far. In fact, there are a whole bunch of everyday health care needs that aren t covered by Medicare. But fear not, our popular ancillary options have you covered for all those services you re likely to need on a regular or even emergency basis. Services such as: Dental Optical Chiropractic Physiotherapy Pharmacy Podiatry Complementary therapies Emergency ambulance And more... All you have to do is choose the most suitable level of ancillary cover from our four options. Saver Options Special Options Super Options Premium Options Just need cover for the essentials? No worries. Saver Options offers great value, entry-level ancillary cover ideal for younger people who want affordable cover for common services including (but certainly not limited to) general dental, optical, physio, chiro, pharmacy and emergency ambulance. If it s intermediate ancillary health cover you re after, we have just the product. Special Options includes major dental services, plus many other essential services like emergency ambulance, optical, chiro, physio, osteo, pharmacy, acupuncture, naturopathy and healthy lifestyle. Drum roll please... Introducing our most popular ancillary health cover option. Super Options has practically everything you could wish for major dental, chiro, physio, optical to name just a few, plus it covers a host of other services like orthoptics (eye therapy), podiatry consultations and speech therapy. Here it is, the ancillary health cover option to top all ancillary health covers. Premium Options has it all. It s the very definition of comprehensive, including all the services we mentioned for Super Options, as well as first aid courses, larger rebates and higher annual limits. 5

Which ancillary option is right for you? Use the cover comparison table below to help find an ancilary cover option that suits your need and your budget: Type of Service Ambulance (urgent) Assisted Reproduction Drugs Asthmatic Spacers Auxiliary Home Nursing Blood Glucose/Pressure Monitor Chiropractic Complementary Therapies Dental - General Unlimited Dental - General Limited* Dental - Major Diabetes Education Dietetics First Aid Courses Healthy Lifestyle Hearing Aids Nebuliser/Humidifier Occupational Therapy Orthoptics (Eye Therapy) Orthotic Appliances Optical (glasses and contact lenses) Osteopathy Peak-flow Meter Pharmacy Drugs Physiotherapy Podiatry Consultations Psychological Consultations Speech Therapy Saver Special Super Premium And there s more to smile about: SmartTeeth Dental Whichever ancillary cover you choose, you re covered by SmartTeeth, our unique big-benefits dental program that means you can receive up to 100% of your dental provider s fee. Find out more about SmartTeeth on page 8. 6 Please note: Some waiting periods may apply. See page 23 for full details. *For inclusions, benefits and annual limits, please refer to the separate PDS (Product Disclosure Statement). For items or services not listed in the above table, please contact us or refer to the separate PDS (Product Disclosure Statement) for coverage details. Legal dependants of members will be covered until they turn 21 years of age, or 25 if they are in full-time study.

Urgent ambulance cover If you take out one of our popular ancillary options, you ll be automatically covered for urgent ambulance services (and a small $50 co-payment will apply for non-urgent ambulance). It makes financial sense too, especially when you consider the price of urgent ambulance transport costs over $800. In comparison, we think our ancillary options covers are great value. For example, the annual cost for a single Saver Options policy is hundreds of dollars less than the average cost of ambulance assistance and means you ll be covered for 10 other commonly used services too (including general dental, optical, physio, chiro and pharmacy). Understanding ambulance cover arrangements across Australia Firstly it is important to understand that in the unfortunate event you require emergency ambulance transport, Medicare won t cover the cost. However, some state governments subsidise ambulance services, and some pensioners and low income earners may also be entitled to free ambulance assistance. For more information and to view the ambulance arrangements in your state or territory, visit hif.com.au HIF Ambulance cover explained The great news about our ambulance cover is that it doesn t matter which level of ancillary cover you choose, the benefits for ambulance are exactly the same (and no limits apply either.) So if you do happen to need an ambulance in the future, you can rest assured that you ll be covered for 100% in most circumstances. The only time you ll be required to contribute is if the call out is considered non-urgent (or non-emergency ) in which case a $50 co-payment will apply. Benefits paid: Emergency call-outs and transportation: 100% covered by HIF. Non-emergency call-outs and transportation: a $50 co-payment will apply. Please note: Benefits are paid on charges raised for approved ambulance services. A patient co-payment of $50 per service applies to non-emergency call-outs and transportation. Benefits are not payable for inter-hospital transportation except for inter-hospital transfers relating to an emergency or new illness where approved on a case by case basis by HIF. Benefits are not payable for transportation from a hospital to your home, nursing home or other hospital, or for transportation for ongoing medical treatment. For more information, please refer to the separate Product Disclosure Statement (PDS) or visit hif.com.au/pds 7

Smile, dental benefits are better with SmartTeeth SmartTeeth is a unique benefits program that sets our private dental insurance cover apart. It s brilliant. And we can say that in all modesty because it was our members idea. They asked us for dental cover that rewards proactive dental care and provides higher rebates for the most popular services. So that s what SmartTeeth provides up to 100% rebate for the most popular dental services, like: Examinations Remineralisation Plaque and calculus removal Dentist-fitted sports mouthguards And it doesn t cost you a thing As a standard part of our ancillary health insurance cover, SmartTeeth provides added value, but at no added cost. Choose your own dentist. Unlike some health funds, we don t have contracted dentists. With HIF, you re free to choose any dentist you want. In fact, the Australian Dental Association of Western Australia (ADAWA) has publicly commended our stance on protecting your right to choose. That makes us the only health insurance fund in Australia with an ADAWA commendation. SmartTeeth: An example Mary is covered under Super Options and she visits her family dentist who completes Mary s first oral examination and her first plaque removal in the calendar year. As recommended by her dentist, Mary has a second (6 monthly) examination later that year. The following table is an example of the dentist s fee and the rebates Mary will attract. Maximum Dental Rebate Example Dental Description Item 011 Oral examination (first visit) 114 Removal of calculus (first visit) 012 Oral examination (second visit) Dentist Fee Percentage of Fee Maximum Payable Rebate paid to Mary $55.00 100% $51.65 $51.65 $95.00 100% $95.65 $95.00 $55.00 80% $36.90* $36.90 * Figure represents 80% of the maximum rebate which is the maximum amount payable for subsequent visits. 8

Brush up on your dental care. Check out our free online dental information resource our Healthy Advice Blog by Dr Emma. Focusing solely on dental health matters, it s written by a professional dentist who answers questions from our members. Visit hif.com.au/members-centre 9

How will my SmartTeeth dental rebate be calculated? We will pay a percentage of the dentist s fee, up to a set maximum benefit for each item of service^. For example, with our Premium Options ancillary cover you get: 1 Top 24 general dental services: 80% to 100% of the fee, up to a set maximum benefit per item. 2 All other general dental services: 70% of the fee, up to a set maximum benefit per item*. 3 All other (i.e. major) dental services: 60% of the fee, up to a set maximum benefit per item*. ^ Benefits may be limited where potential rebates exceed dental service sub limits or annual limit. * Contact us on 1300 13 40 60 for details of these services. Our top 24 SmartTeeth dental services Item Number Description Percentage of fee (first visit item) 011 or 012 Oral examination 100% 80% 111 or 114 Removal of plaque, stain or calculus 100% 80% or 115 121 Topical application of remineralising agent 100% 80% 151 or 153 Provision of a mouthguard 100% 80% Percentage of fee (further visits/items) Please note: These benefits are payable on all our ancillary products. The actual benefit amount cannot exceed our set maximum benefit for each dental item, service sub limits or annual dental limit. See the example on page 8 for more information. 10

Our top 24 SmartTeeth dental services (Continued) Item Description Number 013 Emergency oral examination Premium Options Super Options Special Options Saver Options 80% 70% 65% 65% 014 Consultation 80% 70% 65% 65% 022 Intraoral periapical or 80% 70% 65% 65% bitewing radiograph 118 Bleaching, external - 80% 70% 65% 65% per tooth 161 Fissure sealing - per tooth 80% 70% 65% 65% 311 Removal of permanent 80% 70% 65% 65% tooth 512 Metallic restoration - 80% 70% 65% 65% two surfaces - direct 513 Metallic restoration - 80% 70% 65% 65% three surfaces - direct 521 Adhesive restoration - 80% 70% 65% 65% one surface - anterior 522 Adhesive restoration - 80% 70% 65% 65% two surfaces - anterior 523 Adhesive restoration - 80% 70% 65% 65% three surfaces - anterior 531 Adhesive restoration - 80% 70% 65% 65% one surface - posterior 532 Adhesive restoration - 80% 70% 65% 65% two surfaces - posterior 533 Adhesive restoration - 80% 70% 65% 65% three surfaces - posterior 575 Pin retention - per pin 80% 70% 65% 65% 577 Cusp capping - per cusp 80% 70% 65% 65% Please note: The actual benefit amount cannot exceed our set maximum benefit for each dental item, service sub limits or overall annual limit. 11

Private Hospital Cover Options Quality private hospital cover that is affordable for all Australians. We know that choosing private hospital insurance cover can be confusing. Which fund should you choose? What level of cover? Will hospital cover cut your tax bill? How easy is it to switch health funds? But relax. It s really not that complicated or expensive. Read on to see if private hospital cover is for you and, if so, which option suits your needs. 12

Which hospital option is right for you? Nobody likes the idea of going into hospital. But if you or a member of your family has to, it s good to know you re able to: choose your preferred public or private hospital; choose the doctor or specialist you want; choose a private room, rather than a shared one; focus on getting better, safe in the knowledge you re covered for things like accommodation, in-patient services and theatre room fees. Simply choose the level of cover that suits your requirements there s an option for everyone. Recently arrived in Australia from overseas? If you have welcome! HIF has a range of products to suit the circumstances of all temporary or new residents of Australia. The products listed in this brochure are designed for permanent Australian residents only and cannot be used for private treatment by temporary residents; so if you re not a permanent resident of Australia and you are unsure of your options, visit hif.com.au to find out more about Overseas Visitors Health Cover or call us on 1300 13 40 60. GoldStarter GoldSaver Gold GoldStar GoldStarter is our entry-level hospital cover option and is a smart choice if you re younger and less likely to require things like maternity services or cardio thoracic (heart/chest) procedures. It covers all the essentials and is great value for money too, especially if you can make a tax saving (visit hif.com.au for more details on the Medicare Levy Surcharge). GoldSaver is our intermediate hospital cover and is a step up from GoldStarter. It s great for young couples and families who are likely to need things like maternity cover (including up to three days in a private room) but are less likely to require cardio thoracic (heart /chest) procedures or joint replacement surgery. Gold is our award-winning shared-room hospital cover option. With Gold hospital, you re fully covered for theatre and ward fees. It s especially great if you re planning on having a baby, because our maternity cover includes up to five days in a private room at no extra cost. GoldStar is our premium hospital cover option, with all the bells and whistles. You re fully covered for everything, including a private hospital room, theatre fees and ward fees. No worries. Just total peace of mind for you and your family. Please note: Some waiting periods may apply. See page 22 for full details. Cardio thoracic surgery/monitoring includes services like heart bypass procedures, angiograms, coronary care, lung surgery and medical treatments for upper respiratory conditions (like bronchitis or asthma). Please contact us prior to admission to confirm payable benefits. AccessGap Cover may apply to reduce your out-of-pocket expenses. Please refer to the separate Product Disclosure Statement (PDS) for more details. hif.com.au/pds 13

What does our hospital cover include? For in-hospital procedures for covered services GoldStarter 14 GoldSaver = Covered Gold = Not covered GoldStar Shared room Private room Private room (maternity only) Maternity services (3 days) (5 days) (unlimited) Choice of excess Intensive care Theatre fees Same-day accommodation Same-day theatre AccessGap Restrictions Exclusions GoldStar Surgery by Podiatrists Cosmetic services Services not covered by Medicare Gold Surgery by Podiatrists Cosmetic services Services not covered by Medicare GoldSaver Surgery by Podiatrists Psychiatric Cardio Thoracic (heart/chest) conditions, procedures or monitoring Eye Surgery Joint Replacement Assisted Reproductive Technology Cosmetic services Services not covered by Medicare Gastric banding and obesity surgery GoldStarter Surgery by Podiatrists Psychiatric Palliative Care Rehabilitation Cosmetic services Services not covered by Medicare Gastric banding and obesity surgery Obstetrics (Maternity) Cardio Thoracic (heart/chest) conditions, procedures or monitoring Joint Replacement Eye surgery Assisted Reproductive Technology Please note: Some waiting periods may apply. See page 22 for full details. Cardio or thoracic surgery/monitoring includes services like heart bypass procedures, angiograms, coronary care, lung surgery and medical treatments for upper respiratory conditions (like bronchitis or asthma). Please contact us prior to admission to confirm payable benefits. Where a service is deemed by Medicare to be cosmetic or does not attract a Medicare rebate, all charges raised during your hospital stay will not be eligible for payment. A restricted service means a basic public hospital rate will be paid for accommodation and all other charges raised during the stay and out-of-pocket expenses will be paid by the member. An excluded service means all charges raised during the stay will be paid by the member. Please refer to the separate Product Disclosure Statement (PDS) for more details. hif.com.au/pds

Maternity cover Whether it s your first baby or your fifth, a new addition to the family is always a magical time. So when it comes to maternity services, our affordable hospital cover options will give you the peace of mind you deserve. For example... You can choose your own private hospital You can choose your own obstetrician Your labour ward fees will be fully covered Your baby will be fully covered on your HIF policy from the moment they re born. What about maternity waiting periods? We know from experience that being pregnant can often result in swollen ankles (not to mention some rather interesting food cravings), but the bundle of joy that arrives nine months later will definitely make the wait worthwhile. And speaking of waiting, the waiting period for all obstetric related services is 1. That means you ll need to have held maternity cover for 1 prior to your estimated due date - so remember to take out hospital cover as early as possible. That way, you ll have already served your hospital waiting periods long before your new bub arrives. We offer three great hospital products that cover maternity services - GoldSaver, Gold and GoldStar. Conditions may apply - please see our Product Disclosure Statement for more information or restrictions and exclusions. hif.com.au/pds 15

16 Affordable health cover is just a click away. To get an instant quote, join at a time that suits you or simply learn more about HIF and our popular range of health cover options, visit hif.com.au

Get a quote and join today Maybe you ve already chosen the hospital cover, ancillary cover or combination you want. Perhaps you re not quite sure and need a bit of advice. Either way, we re here to help you, so get in touch. Online. Visit hif.com.au to use our online product selector (it s easy). You can also get an instant quote and join online. By phone. Call us on 1300 13 40 60 and speak to one of our friendly sales consultants. They understand our cover options inside out, so they can help you make a decision and join over the phone. Our call centre is open from 8.00am until 5.00pm (WST), Monday to Friday. By email. Email us at sales@hif.com.au. A member of our team will contact you with all the information and assistance you need to make the right decision and join. You spread the word, we ll share the love We don t waste money on lots of advertising, like some health funds. That s one of the reasons we have some of Australia s lowest premiums and best benefits. Besides, our satisfied members spread the word for us. And when they do, we like to say thank you via our Member Rewards Program* you get a $70 gift voucher every time a new member joins us as a result of your recommendation and mentions your name on their application form. *Terms and conditions apply, please visit hif.com.au for more information. Don t throw me away It s important that you read and keep this brochure and the accompanying PDS. We ll be testing you to make sure you ve digested all the information... OK, so we won t be testing you, but you really should keep hold of all the information you receive about membership, benefits and conditions. In fact, we re continually improving our benefits, so it s worth downloading the latest version of this brochure and the PDS from time to time. It s the best way to ensure you get the most out of your cover when you need to claim. Visit hif.com.au for the most up-to-date publications. Please note: Your cooling-off period: Once you ve applied for HIF membership, you have 30 days to read your policy. If, during this time, you decide that you don t wish to take up the cover, you may cancel the policy and we will give you a full refund, provided you have not made a claim. Your fund membership will commence on the date your completed application form is lodged with HIF, or a date after the date of lodgement which you have nominated. (The date of lodgement is the date we receive your application.) 17

Switching health funds? We ll take care of it. If you re ready to say goodbye to your old health insurer and hello to better cover, service and premiums with us, it s easy. Just let us know you re switching when you apply for HIF cover and we ll arrange a seamless transfer, pronto. One form, one signature All you have to do is fill in and sign our Switching Funds form. That s it. We re then authorised to arrange everything on your behalf. No additional paperwork. No hassles. No unnecessary delays. Waiting periods? What waiting periods? When you become an HIF member, we ll even take your previous membership into account. For example, if you have been with your current fund for 10 years on an equivalent level of cover, we will bring your loyalty across to HIF and you can immediately claim a higher benefit amount. And you won t have to serve new waiting periods. In fact, even if you re switching to a higher level of ancillary cover, we will waive all two month waiting periods, so you can claim straight away on popular ancillary services like dental, optical, chiro and physio. Call us on 1300 13 40 60 or email our team at sales@hif.com.au to find out more about switching. Please note: To ensure that all your existing benefits and previously served waiting periods are recognised, you must switch within two months of leaving your previous health fund. While we ll take care of all the paperwork associated with switching, you are required to contact your previous fund directly to cancel any direct debits that may be set up with them. Confused about health insurance? Don t be. We know first-hand just how confusing private health insurance can be. But that s why we re here to make everything as simple (and affordable) as possible. So, if you can t find the answer to your questions in this brochure, don t fret. The full needto-know details of all our hospital and ancillary cover options, plus FAQs and a glossary, can be found in our Product Disclosure Statement booklet or on our website hif.com.au/pds 18

Pay and claim, your way We re all about choice and making life easy at HIF. Choose the cover that suits you. Choose your hospital, your doctor, your specialist, your dental provider And we also offer a choice of ways to pay your premiums and make a claim, all designed to make life simple. So choose away. Ways to pay Direct debit. Flexible. Automatic. Convenient. No wonder it s our most popular payment option. Manually. We send you an account when your premium is due and you can pay however you like: Phone call 1300 13 40 60 for over-thephone credit card payments (we accept Mastercard, Visa, Diners Club and AMEX) BPAY through your bank s phone or internet banking system Billpay via your phone or the internet In person at any Australia Post branch By mail post your cheque or money order and the lower half of your invoice to: HIF, GPO Box 2221, Perth WA 6847. Ways to claim Electronic Claiming. Healthcare providers with electronic claiming technology (HICAPS or isoft) can settle your account with you on the spot. All you need to do is swipe your HIF membership card and pay the difference (if any). SmartClaim for mobile. If you have an Apple or Android mobile device, you can submit paid ancillary accounts of $700 or less by using your mobile s in-built camera to photograph receipts and invoices. Download HIF SmartClaim now from the Apple App Store or the Android Market or see page 20 for more details. Fast-Track Claiming. For paid ancillary accounts of $700 or less, try our quick and easy Fast-Track option. Simply scan your completed HIF claim form and associated receipts and invoices, and email a copy to claims@hif.com.au. Alternatively, fax a copy to (08) 9328 1685. Visit hif.com.au or read our Product Disclosure Statement to find out more about our claiming options. Please note: All providers must be registered with HIF for claim benefits to be paid. Benefits will not be paid for any hospital or ancillary costs incurred outside Australia or which are not provided as part of a recognised consultation process. Conditions apply for SmartClaim and Fast-Track claims. Please visit hif.com.au or call us on 1300 13 40 60 for more details. Upon joining HIF, member cover, benefits and services are subject to our Business Rules. For a copy of the rules, contact us or visit hif.com.au. Discounts and special offers Premiums are discounted for members who pay in advance via direct debit or manual invoice: 2% for half-yearly and 4% for yearly. We also operate other special offers throughout the year. Visit hif.com.au to see what s new. 19

Need to claim on the go? Now you can. Welcome to SmartClaim, our free and easy-to-use mobile app that makes it simple to submit ancillary claims when you re out and about. Tap. Snap. Claim. Easy. With SmartClaim, you can make a claim wherever you are, whenever you like. It puts HIF in your pocket and the process is as simple as: Who can use SmartClaim? SmartClaim is available to HIF members who currently hold ancillary cover and own an Android mobile device or Apple mobile device (with ios4+) that includes an integrated camera. Open itunes or the Android Market on your mobile device now to download the SmartClaim app for free and try it for yourself. Tap in your details Type your personal information and claim details directly into SmartClaim. Snap your receipts Use your phone s camera to take a photo of your invoices and SmartClaim will cleverly bundle them up for you, ready to submit with your claim details. Submit your claim Hit the submit button within the app to send the claim through to us. We ll then take care of the rest, reimbursing your money asap. It s FREE, fast and green While swiping your membership card is still the quickest way to claim, there may be instances where the eclaiming option is unavailable; and when that happens, SmartClaim will take the pain out of the manual process. It s fast, free and reduces paper waste too. Conditions of use: SmartClaim puts the power to claim in the palm of your hand. However, please bear in mind that: A maximum of four items can be lodged per SmartClaim A maximum of $700 (total service fee value) can be claimed per day The Date of Service must be no more than two years prior to the date you claim You must retain all original invoices/receipts for two years from the date you claim HIF reserves the right to randomly select claims for auditing purposes. 20

Pick your own healthcare provider... Unlike some health insurance funds in Australia, we believe in your right to choose your own healthcare providers. So while some health funds might restrict you to their contracted provider lists, we say you re free to seek treatment wherever you like, anywhere in Australia. With our very affordable hospital and ancillary cover options, the choice is yours. To find out more, visit hif.com.au or call us on 1300 13 40 60. 21

How long do you have to wait before making a claim? Whether we re answering your call, or helping you switch from another health fund, we don t like to keep you waiting. Unfortunately though, waiting periods are a universal necessity for all health funds. Waiting periods protect us and our members against people who simply join our health fund to claim large amounts and then leave. That said, we try to keep waiting periods to a minimum. That s why, if you join us from another health fund, we ll take your previous membership into account so that, wherever possible, you don t have to re-serve waiting periods. Hospital waiting periods GoldStarter GoldSaver Gold GoldStar General hospitalisation All obstetric-related services All treatment related to a pre-existing ailment or condition, but not including pre-existing conditions for psychiatric care, rehabilitation or palliative care Not covered 1 1 1 1 1 1 1 22

Ancillary waiting periods Type of Service Saver Special Super Premium Auxiliary Home Nursing Asthmatic Spacers Chiropractic Complementary Therapies Dental - General Unlimited First Aid Courses Healthy Lifestyle Ambulance (urgent) Diabetes Education Dietetics Waiting Period Occupational Therapy Optical Peak-flow Meter Pharmacy Drugs Physiotherapy Podiatry Consultations Speech Therapy Dental - General Limited Up to 1 Blood Glucose / Pressure Monitor 1 Dental - Major 1 Nebuliser / Humidifier 1 Orthotic Appliances 1 Psychological Consultations 1 Assisted Reproduction Drugs 36 months Hearing Aids 36 months Orthoptics (Eye Therapy) Osteopathy From time to time we promote special offers for new members. Visit hif.com.au for more information and to view our current offers. 23

Health Insurance Fund of Australia Ltd (HIF) ACN 128 302 161 An Australian public company limited by guarantee. A registered private health insurer. Need some help? Visit hif.com.au Call 1300 13 40 60 Email info@hif.com.au Follow us on Australia s first certified Carbon Neutral health fund The information in this brochure is correct as at 1 September 2012. Minor changes may occur after that date. If major changes occur, a separate insertion will be included in the brochure or the brochure will be reprinted. HIF members are encouraged to regularly download the latest copy of this brochure from hif.com.au, or contact us and we will send one to you.