INVESTOR DAY

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AGENDA FOR THE DAY F

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EXECUTIVE COMMITTEE STRUCTURE STRUCTURE ALIGNED WITH STRATEGY

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HEALTHCARE SYSTEM LEAKAGES MUST BE ADDRESSED TO IMPROVE AFFORDABILITY

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GROUP STRATEGY

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STRATEGY, CUSTOMER AND OPERATIONAL EXCELLENCE TEAM

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KEY TRENDS FOUR KEY TRENDS IMPACTING THE PRIVATE HEALTH INSURANCE INDUSTRY

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AFFORDABILITY AFFORDABILITY PRESSURES RISING; PARTICIPATION REMAINS STRONG

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CONSUMER TRENDS CHANGING CONSUMER BEHAVIOUR CREATES OPPORTUNITIES

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INDUSTRY DYNAMICS WELL POSITIONED TO TAKE ADVANTAGE OF CHANGING INDUSTRY DYNAMICS

AU Bupa Medibank HBF nib HCF 3

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REGULATORY ENVIRONMENT ACTIVE PARTICIPANT IN REGULATORY CHANGE

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SUSTAINING PROFITABLE GROWTH OUR STRATEGY IS DESIGNED TO ADDRESS THE NEEDS OF ALL OUR MEMBERS

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SUSTAINING PROFITABLE GROWTH DEEPLY COMMITTED TO DRIVING BETTER HEALTH

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PROFITABLE GROWTH: TWO-BRAND STRATEGY

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PROFITABLE GROWTH FOUR KEY AREAS TO DRIVE PROFITABLE GROWTH

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PORTFOLIO PERSPECTIVE ACTIVELY BALANCE TRADE-OFFS ACROSS THE PORTFOLIO

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REFRESHED CUSTOMER SEGMENTATION ADOPTING A NEW APPROACH TO ENGAGE MEMBERS

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TWO-BRAND STRATEGY DISTINCT BRAND POSITIONING

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TWO-BRAND STRATEGY THE TWO BRANDS ARE DISTINCT AND COMPLEMENT EACH OTHER THROUGHOUT THE VALUE CHAIN

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BUILDING STRENGTH THROUGHOUT THE SALES FUNNEL EACH BRAND HAS A DIFFERENT PRIMARY FOCUS FOR IMPROVEMENT

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PROFITABLE GROWTH: CUSTOMER ENGAGEMENT

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RETENTION IS A KEY PRIORITY OUR AMBITION IS TO BE BEST IN CLASS IN RETENTION

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MULTIPLE POINTS OF ENGAGEMENT VARIETY OF TOUCHPOINTS AND OUTLETS FOR ENGAGEMENT IN PLACE AND UNDER DEVELOPMENT

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PARTNERING WITH MEMBERS FOR LIFE BUILDING RELATIONSHIPS WITH OUR MEMBERS THROUGHOUT THEIR HEALTH JOURNEY

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OMNI CHANNEL APPROACH ACROSS THE BRANDS PROVIDES CUSTOMERS WITH OPTIONS, ALLOWS CHANNEL OPTIMISATION

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PROFITABLE GROWTH: PROJECT DELPHI PROFITABLE GROWTH: PROJECT DELPHI

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WHAT IS PROJECT DELPHI? F

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DELPHI INSIGHTS PROJECT DELPHI WILL REPLACE LEGACY CUSTOMER, POLICY, PREMIUM AND PRODUCT MANAGEMENT SYSTEMS

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DELIVERING BUSINESS PRIORITIES TARGET BUSINESS OUTCOMES ARE CLEAR AND REMAIN VALID

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DELPHI DESIGN PRINCIPLES CUSTOMER EXPERIENCE IS TOP PRIORITY

∞

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CURRENT STATUS ON TRACK TO DELIVER THE FULL SCOPE OF BENEFITS BY END OF CALENDAR YEAR 2016

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Q&A – PROFITABLE GROWTH

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HEALTH COST LEADERSHIP: OVERVIEW

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PROVIDER NETWORKS AND INTEGRATED CARE TEAM

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RISING COSTS OF HEALTHCARE HEALTH COST LEADERSHIP REQUIRED TO BEND THE COST CURVE

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HEALTHCARE SYSTEM LEAKAGES MUST BE ADDRESSED TO IMPROVE AFFORDABILITY

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REGULATORY REFORM – ESTIMATED TIMELINE MOMENTUM FOR CHANGE BUILDING

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MEDIBANK’S APPROACH REVERSING THE TREND REQUIRES ACTION ON MULTIPLE FRONTS

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AUSTRALIAN HEALTHCARE EXPENDITURE AND CLAIMS OUTGROWN GDP OVER 10 YEARS

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AUSTRALIAN HEALTHCARE EXPENDITURE AND CLAIMS INCREASED ADMISSIONS DRIVING COSTS FOR INDUSTRY AND MEDIBANK

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AUSTRALIAN HEALTHCARE EXPENDITURE AND CLAIMS TECHNOLOGY AND CHRONIC DISEASE ARE DRIVING THE TREND OF INCREASING COSTS

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THE CHALLENGE FOR HEALTHCARE TRIPLE AIM OF HEALTHCARE THE KEY FOCUS

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HOSPITAL ACQUIRED COMPLICATIONS HIGHER COST DOESN’T ALWAYS MEAN BETTER OUTCOMES

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READMISSIONS HIGHER COST DOESN’T ALWAYS MEAN BETTER OUTCOMES

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THE CHALLENGE FOR HEALTHCARE CREATING SUSTAINABILITY THROUGH A FOCUS ON HEALTH OUTCOMES

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HEALTH COST LEADERSHIP: HOSPITAL CONTRACTING

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HOSPITAL HEALTH BENEFIT CLAIMS CONTRACTS WITH HOSPITALS TO MEET THE HEALTHCARE NEEDS OF MEMBERS

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FUNDING MECHANISM INDUSTRY FUNDING IS NOW MAINLY ACTIVITY BASED/ CASE MIX

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HOSPITAL CONTRACTING VARIETY OF LEVERS USED AS PART OF CONTRACT NEGOTIATION

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OUT OF CONTRACT (OOC) SCENARIO OUR PREFERENCE IS TO STAY IN CONTRACT

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ANCILLARY FOCUS ON MINIMISING GROWTH IN COSTS WHILE ENSURING QUALITY HEALTH SERVICES TO MEMBERS

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HEALTH COST LEADERSHIP: DELIVERING HIGH VALUE CARE

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CURRENT STATUS IS NOT ACCEPTABLE F

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UNWARRANTED VARIATION HIGH LEVELS OF VARIANCE IN TREATMENT OUTCOMES

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TRIPLE AIM OF HEALTHCARE HEALTH PROVISION AND REFORM MUST ADDRESS ALL THREE AREAS

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HIGH VALUE CARE F

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HOSPITAL ACQUIRED COMPLICATIONS F

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LEADERSHIP DRIVING CHANGE WILL CREATE DEBATE

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HEALTH COST LEADERSHIP: PAYMENT INTEGRITY

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CONTEXT IMPROPER CLAIMS ARE NOT UNIQUE TO AUSTRALIA

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PAYMENT INTEGRITY PROGRAM AN OVER-ARCHING GROUPING OF MULTIPLE RELATED PROGRAMS

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CURRENT SPECTRUM OF ACTIVITY WIDE AND VARYING WAYS FOR IMPROPER CLAIMS TO OCCUR

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OPPORTUNITY IDENTIFICATION F

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METHODOLOGY STRUCTURED APPROACH TO CONVERT OPPORTUNITIES INTO REALISED GAINS

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LEVERS DIFFERENT LEVERS ARE APPLIED TO DIFFERENT RISK CATEGORIES

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PIPELINE ONGOING OPPORTUNITIES EXIST TO REALISE FURTHER IMPROVEMENTS

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BETTER HEALTH FOR SPECIFIC AUSTRALIAN POPULATIONS

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FURTHER BENEFITS OF POPULATION HEALTH SOLUTIONS ADDING VALUE TO EVERY HEALTH INTERACTION

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Australian Defence Force

Department of Human Services

Care programs

KEY POPULATION HEALTH SOLUTIONS PROVIDING ACCESS TO, AND MANAGEMENT OF, INTEGRATED HEALTH SERVICES FOR SPECIFIC AUSTRALIAN POPULATIONS

Future opportunities

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GARRISON HEALTH SERVICES REDEFINING INTEGRATED HEALTHCARE DELIVERY FOR THE ADF

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GARRISON HEALTH SERVICES AN INTEGRATED HEALTHCARE SOLUTION

GHS

manages and

coordinates

relationships

with

Diagnostic, treatment and rehabilitation services*

260+ hospitals

8000+ allied health professionals

1100+ on-base primary healthcare experts*

4000+ medical specialists

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GARRISON HEALTH SERVICES MULTIPLE ON-BASE PRIMARY CARE SERVICES

ADF PERSONNEL

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GARRISON HEALTH SERVICES A SEAMLESS AND CONSISTENT APPROACH TO HEALTHCARE ACCESS

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Centralised operations

Government contracted doctors

Data collation, monitoring and reporting

Government contracted psychologists

DISABILITY MEDICAL ASSESSMENT SERVICES PROVIDING A COORDINATED ACCESS POINT TO A NATIONAL PROVIDER NETWORK FOR THE DEPARTMENT OF HUMAN SERVICES

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GARRISON HEALTH SERVICES IN ACTION F

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PRIMARY CARE AND THE CARE SUITE OF PROGRAMS

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CHRONIC DISEASE THE CHALLENGE AND IMPACT IS INCREASING

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CONCENTRATION OF HEALTHCARE COSTS OUR OWN MEMBERS SHOW SIMILAR TRENDS TO WHAT WE SEE NATIONALLY

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FEE FOR SERVICE IS COMPROMISING THE ABILITY TO PROVIDE GOOD PRIMARY CARE FOR PATIENTS WITH COMPLEX CONDITIONS

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Integrated

Care

Chronic

Disease

Management

Discharge

assistance

Health Promotion for Healthy Populations

(no target healthcare needs)

Program integrated into the

hospital discharge process that

addresses the care needs of

those most at risk of unplanned

readmissions to hospital.

Integrated care program targeting people who

experience chronic & complex conditions.

Behaviour change focused

model supported by

telephonic & online

education & navigation.

Co

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of

mem

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need

s

OUR CARE SUITE OF PROGRAMS F

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CAREPOINT F

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CAREFIRST F

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PROVING IT WORKS STRUCTURED APPROACH TO DEMONSTRATING BENEFITS

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Q&A – HEALTH COST LEADERSHIP

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GROUP Q&A

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INVESTOR DAY

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