CORPORATE HEALTH COVER

DISCOVER THE BENEFITS OF CORPORATE COVER

BUPA. FIND A HEALTHIER YOU

At Bupa, it’s our purpose that makes us different – helping our members to live longer, healthier, happier lives.

This brochure is a summary of the cover we offer. If you want more information, including what's covered and what's not read this together with our Important Information Guide at bupa.com.au/corporate-info

Unsure of any words? Visit bupa.com.au/glossary

For more information

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bupa.com.au/corporate To log in, get your username and password from your employer or call us on 134 135.

Visit a local Bupa centre

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WHY HAVE PRIVATE HEALTH COVER?

Avoid Lifetime Health Cover loadingAvoid the Federal Government’s Lifetime Health Cover (LHC) loading by taking out hospital cover by 30 June following your 31st birthday. To find out more visit bupa.com.au/lhc

Reduce waiting time Get treated sooner by going to a private hospital.

Claim on most ExtrasEnjoy the benefits of being able to claim for most Extras including dental, physio, optical and chiro.

Save moneyDepending on your income and your age you could save money by taking out hospital cover. Talk to your tax advisor or visit ato.gov.au to find out what this means for you.

Choose your doctor Your choice of specialist and even where you’d like to be treated.

The Australian Government Rebate on private health insuranceThis could make your cover even more affordable. Find out what the Rebate means for you at bupa.com.au/rebate

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SIMPLE AFFORDABLE COVERTO SUIT YOU NOW

COMPETITIVE CORPORATE COVER

OUTSTANDING VALUE

Corporate hospital and extras coverDesigned to suit different needs.

Gap free same day treatmentNo out-of-pocket hospital or medical expenses at Members First day facilities (any excess and/or co-payments related to your level of cover will still apply. Not available in NT).

Members First Provider NetworkOur national network of hospital and extras^ providers can help you to reduce or eliminate out-of-pocket expenses.

^Dental, optical, physio & chiro.

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EASY AND CONVENIENT

MORE THAN HEALTH INSURANCE

MyBupa online portal Manage your cover at a time that suits you.

Accessible health supportYou can access a range of online tools and apps to help manage your health.

Easy to useExtensive range of extras providers offering on-the-spot claiming.

Save money with our Bupa Member ExclusivesGreat offers and discounts for things you will be sure to use like gym memberships, movie tickets and more. Visit bupa.com.au/MemberExclusives

Travel BenefitsWe offer benefits for overseas travel including a 24 hour health advice line and benefits for travel vaccines.

Visit bupa.com.au/other-insurance for information around our other insurance products and discounts for Bupa members.

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FIND THE RIGHT CORPORATE COVER FOR YOU

Create your own package

Choose our Ultimate

packaged cover

Your choice starts here OR

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Choose your hospital cover

Choose Ultimate Corporate Health Cover

PAGE 8 & 9

PAGE 6 & 7

AND

Extras are only available when combined with a level of Corporate hospital cover.

Choose your extras cover

PAGE 12 & 13

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Ultimate Corporate Health Cover includes these hospital features:

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#For most items at all recognised providers covering dental, physio & chiro. Excludes hospital treatments. Fund rules, waiting periods and yearly limits apply. ^At Members First Optical providers only. A lower limit applies at other providers.

ULTIMATE CORPORATE HEALTH COVER

Per person Per membership

Ultimate Corporate Health CoverOur premium option for ultimate peace of mind, with top hospital and extras cover and our dedicated 24/7 advice line.

Top level of hospital cover

Top level of extras cover

100% Amount you get back# (limits apply)

Extras Yearly limits

General Dental Unlimited

Major Dental $1,600

Optical $420^

Physio $1,500

Chiro$1,000 $1,600

Natural therapies $1,000

To see a list of what's covered and what's not covered, see page 10 and 11. There are some situations you won't be covered for and you may have to pay an out-of-pocket cost. For more info, read the Important Information Guide at bupa.com.au/corporate-info

Plus more, see page 10 for the full list

Private hospital cover

Medical cover

Emergency ambulance

You receive: ° 100% back# at any recognised provider

up to the first $500 per person per year for general dental

° 100% back at any recognised provider for major dental and orthodontics up to yearly limits per person

° 100% back# at any recognised provider up to the first $350 per person per year for physio and chiro.

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†On selected optical packages. Conditions apply. Optical benefits are subject to your level of cover. Fund rules, waiting period and annual maximums apply. *When treatment is provided by a Members First physiotherapist or dentist. Fund rules, waiting periods and annual maximums apply. Includes major dental in VIC and SA only. Excludes orthodontics and hospital treatments. **Conditions apply – contact us for details.

Accident benefitIf you are hospitalised due to an accident an additional $2,000 per person, $4,000 per membership can be put towards extras claims once you’ve reached your extras yearly limits.

Gap free opticalYou’ll have access to the ‘no gap’ range of fixed priced packages on glasses and contact lenses at no additional cost† if you visit our Members First optical providers.

No gap for kidsWe’ll cover the cost of your kids’ physio and general dental in most instances until they turn 25.*

Plus:

BONUS ULTIMATE CORPORATE HEALTH COVER FEATURES ° Medical gap bonus – receive $200 when you join and every calendar year thereafter.

This can be used towards a doctor or specialist’s out-of-pocket costs (whilst in hospital) and any unused bonus amounts will accumulate each year

° 100% rebate on Ambulance subscription

° 100% back on laser eye surgery at recognised providers.

Private room offerAt our Members First hospitals, you’ll receive a private room when you book your overnight stay, otherwise receive $50 back per night (when a private room is not available).**

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Corporate Hospital Top

Comprehensive cover, with additional benefits including Family in-hospital benefit and no excess for kids.

Top level of hospital cover

Corporate Hospital Intermediate

Our medium level of hospital cover, includes cover for cardiac, pregnancy and no excess for kids. Minimum benefits apply to some services.

Medium level of hospital cover

COMPREHENSIVE COVER

HOSPITAL COVER AT A GLANCE

$250EXCESS

NILEXCESS

$500EXCESS

$250EXCESS

NILEXCESS

$500EXCESS

Hospital cover helps cover your costs as a private patient in hospital, including treatment and accommodation. Choose from our three excellent options – depending on your needs and budget. There are some situations you won’t be covered for and you may have to pay an out-of-pocket cost. For more info, read the Important Information Guide at bupa.com.au/corporate-info

Plus more, see page 10 for the full list

All covers above include these hospital features:

Private hospital cover

Medical cover

Emergency ambulance

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Corporate Hospital Saver

Budget-friendly hospital cover, with minimum benefits on the things less likely to be needed.

Basic level of hospital cover

BASIC COVER

$250EXCESS

NILEXCESS

$500EXCESS

All our hospital covers include ° Accommodation in a private hospital or

as a private patient in a public hospital*

° Operating theatre, intensive care fees

° Surgically implanted prostheses up to the approved minimum benefits in the Government Prostheses List

° Allied health services including physiotherapy, occupational therapy and dietetics whilst in hospital

° PBS drugs supplied as an inpatient

° Medical Benefit Schedule (MBS) fee or gap cover amount if your doctor participates in this.

Medical coverCover for medical services provided during a hospital stay such as specialists and diagnostic services e.g. pathology and radiology.

Out-of-pocket costs depend on whether doctors and specialists participate in the Bupa Medical Gap Scheme.

There are a range of options that you can consider if you need to go to hospital and we will be there to help you understand these.

Emergency ambulanceEmergency ambulance cover is capped at 1 trip for single memberships, 2 trips for couples/families per year.

Private room offerAt our Members First hospitals, you’ll receive a private room when you book your overnight stay, otherwise receive $50 back per night (when a private room is not available).^

*If you choose to be treated as a private patient in a public hospital and choose a private room, you may have to pay an out-of-pocket charge. ^Conditions apply – contact us for details.

*Effective 1 June 2014. ^Available on Corporate Hospital Top Nil and $250 excess only.

Packages Hospital only Ultimate Corporate

Health Cover

Corporate Hospital

Top

Corporate Hospital

Intermediate

Corporate Hospital Saver

Psychiatric services

Rehabilitation services

Pregnancy (including childbirth)

IVF & assisted reproductive services *

Cardiac services

Renal dialysis

Cataract and eye lens procedures

Hip/knee replacement

All other joint replacements

Gastric banding & obesity related treatment *

Knee Arthroscopy and Meniscectomy Procedures

Appendicitis

Removal of Tonsils and Adenoids

Dental Surgery

Minor Gynaecological Surgery

All other in-patient treatments receiving Medicare BenefitsCosmetic surgery not clinically required

Health subscription refunds^

Family in-hospital benefit

Emergency Ambulance

Excess option NILNIL

$250$500

NIL$250$500

NIL$250$500

No excess for kids

Want to see the extras cover that comes with your package? Go to page 14

COMPARE AND CHOOSE YOUR HOSPITAL COVERFor full details of what's covered and what's not, see the Important Information Guide at bupa.com.au/corporate-info

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Waiting periods The following waiting periods apply:

° palliative care, psychiatric and rehabilitation services – two months

° pre-existing conditions, ailments or illnesses and pregnancy (including childbirth) – 12 months

° laser eye surgery covered under Ultimate Corporate Health cover only – 12 months

° all other treatments included in your cover – two months.

ExcessThe excess is capped at once per person, twice per membership, per calendar year.

Minimum BenefitsFor services in a private hospital which are recognised by Medicare, we will pay minimum shared room benefits and you will have your choice of doctor. These benefits would not be adequate to cover all private hospital costs and are likely to result in large out-of-pocket expenses.

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Members First provider networkWith our Extras covers, you can enjoy the advantages of our extensive network of dental, optical, physiotherapy and chiropractic providers. When you choose to visit a Members First provider, in most instances you will receive higher benefits and have the certainty of knowing how much you’ll get back.

Extras cover is an easy way to help maintain your health. That’s why we have extras including dental, physio and natural therapies that can make all the difference to help keep your health on track.

Extras are only available when combined with a level of Corporate hospital cover.

EXTRAS COVER AT A GLANCE

COMPREHENSIVE COVER

Corporate AdvantageAccess a wide range of services with at least 90% back at our Members First providers.

Extras cover Top level of extras cover

90% Minimum amount you get back

Extras Yearly limits

General dental Unlimited

Major dental $1,100

Optical $300^

Physio$500

combined with other services

Chiro $600 $1,200

Natural therapies $400

Corporate ClassicIncludes a wide range of extra services and generous benefits with at least 80% back at our Members First providers.

Extras coverMedium level of extras cover

80% Minimum amount you get back

Extras Yearly limits

General dental $400

Major dental $500

Optical $240

Physio$400

combined with other services

Chiro $500 $1,000

Natural therapies $600

combined with other services

For most items at our Members First providers covering general dental, physio, chiro and selected optical. Includes major dental in VIC and SA only. Excludes orthodontics and hospital treatments. Fund rules, waiting periods and annual maximums apply. ^At Members First optical providers only. A lower limit applies at other providers.

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BASIC COVER

Corporate Essentials Cover for key extras services with at least 70% back at our Members First providers.

Extras coverBasic level of extras cover

70% Minimum amount you get back

Extras Yearly limits

General dental $400

Major dental

Optical $200

Physio$300

combined limit

Chiro

Natural therapies

†On selected optical packages. Conditions apply. Optical benefits are subject to your level of cover, fund rules, annual maximums and waiting periods. *When treatment is provided by a Members First physiotherapist or dentist. Fund rules, waiting periods and annual maximums apply. Includes major dental in VIC and SA only. Excludes orthodontics and hospital treatments.

Set benefits A pre-defined amount you’ll get back for a service when you get treatment from someone outside the Bupa Members First provider network.

Yearly limits The most you can claim per person in a calendar year, depending on your cover.

Loyalty MaximumsWe increase how much you can claim each year by 20% of the initial amount for some extras services (applies after the first 12 months up to a maximum increase of up to 100%).

Gap free opticalYou’ll have access to the ‘no gap’ range of fixed priced packages on glasses and contact lenses at no additional cost† if you visit our Members First optical providers.

No gap for kidsWe’ll cover the cost of your kids’ physio and general dental in most instances until they turn 25* (available under Corporate Advantage and Corporate Classic Covers).

Per person Per membership

See more details on page 14 and 15

TO FIND OUT MORE ON WHAT YOU CAN CLAIM, VISIT BUPA.COM.AU/BENEFIT-GUIDES

General dental

Natural therapies

Physio ChiroOptical

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Packaged Ultimate

Up to 100% back# (limits apply)

ServicesWaiting periods

General dental

2 months

Unlimited

Gap free general dental for kids*

Major dental

12 months

$1,600

Orthodontics $1,400 Lifetime Limit $3,200

Optical

2 months

$420 $300

No gap optical^

Chiropractic and osteopathy $1,000 $1,600

Physiotherapy $1,500

Gap free physio for kids*

Ante and Post Natal $500

Living Well (see page 16) 6 months $300

Pharmacy**

2 months

$1,500

Natural therapies $1,000 Massage sub-limits: $250 $500

Psychology $1,000

Dietary $1,000

Podiatry (excludes orthotics) $1,000

Speech Therapy $1,000

Eye Therapy $1,000

Occupational Therapy $1,000

Home Nursing $400

Health aids and appliances+ 12 months $1,000

Travel and accommodation 2 months $200 travel, $300 accommodation

Accident Benefit^^ Nil $2000 $4000

Emergency ambulance Nil 1 trip per year (singles)/2 trips per membership (couples and families)

#For most items at all recognised providers covering dental, physio & chiro. Excludes hospital treatments. Fund rules, waiting periods and yearly limits apply. *When treatment is provided by a Members First physiotherapist or dentist. Fund rules, waiting periods and annual maximums apply. Includes major dental in VIC and SA only. Excludes orthodontics and hospital treatments. ^On selected packages at Members First optical providers. Conditions apply. Optical benefits are subject to your level of cover, fund rules, annual maximums and waiting periods.

This table shows yearly limits per person.

CHOOSE YOUR EXTRAS COVER

Per person Members First Non-Members First Per membership Combined Maximum New members

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Choose your own extrasCorporate Advantage Corporate Classic Corporate Essentials

At least 90% Back At least 80% Back At least 70% Back

Unlimited

Year1 2 3

Amount $400$480$560

Year 4 5

6+

Amount $640$720$800

$400

$1,100Year

1 2 3

Amount $0 $500$600

Year 4 5 6

6+

Amount $700$800$900

$1,000

Lifetime Limit for orthodontics $1,600

$400 Combined with general dental

$1,200 Lifetime Limit $2,600

$300 $250 $240 $200

$600 $1,200 $500 $1,000

$300 Year

1 2 3

Amount $500$600$700

Year 4 5

6+

Amount $800$900

$1,000

Year1 2 3

Amount $400$480$560

Year 4 5

6+

Amount $640$720$800

Combined with Physiotherapy Combined with Physiotherapy

$100 $100 $100

$450 $300 $150

$400

$600

Combined with Physiotherapy

$500 $1,000

$500

$350 $350

90% of the cost to yearly limit Sub-limits apply.

Combined with Natural therapies 80% of the cost to yearly limit

Sub-limits apply.

$100 – Travel $150 – Accommodation

$2,000 $4,000

1 trip per year (singles) 2 trips per membership (couples and families)

**Benefits for prescription items that are non-PBS, TGA approved, and not appearing on our exclusions list. +A combined annual maximum applies to this service category. Limits apply. ^^When an accident requires urgent hospital treatment, you can boost annual maximums on extras or pay for your hospital excess. For most items at our Members First providers covering general dental, physio, chiro and selected optical. Includes major dental in VIC and SA only. Excludes orthodontics and hospital treatments. Fund rules, waiting periods and annual maximums apply.

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Living Well

Provides cover for treatments which help you live a healthier lifestyle. These include: gym memberships, yoga, Pilates, nicotine replacement therapy, weight management programs. Gym memberships, yoga and Pilates require your doctor or recognised provider to complete a Living Well form to confirm the program is medically necessary for your health.

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BUPA HEALTH COVER MADE EASYLog in to bupa.com.au/corporate

To log in, get your username and password from your employer or call us on 134 135.

Unsure of any words? Visit: bupa.com.au/glossary

Other important information you should know can be found at: bupa.com.au/corporate-info

To find out more about what the Australian Government Rebate on private health insurance means for you, visit: bupa.com.au/rebate

To get a quote:

134 135

bupa.com.au/corporate

Visit a local Bupa centre

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Bupa PO Box 14639 MELBOURNE VIC 8001

Bupa Australia Pty Ltd ABN 81 000 057 590

Effective 1 April 2014 10283-04-14S

The World of BupaHealth CoverHealth Coaching & ProgramsInternational Health CoverCorporate Health SolutionsOptical Products & ServicesDental ServicesAged CareMedical servicesTravel, Home & Car InsuranceLife Insurance

FOR MORE INFORMATION

134 135

bupa.com.au/corporate

Visit your local Bupa centre