***Anything not listed in the column to right is ...

1 Medibank Private have announced changes to the level of cover offered by a number of their policies. Hospitals that contract with Medibank Private should have received information about these changes outlining the services that will be excluded from the different Medibank policies. The policies that are affected as follows: Policy New exclusion Still covered Priority bronze Cardio-thoracic procedures Renal dialysis Assisted reproductive services Hip-joint replacement Knee-joint replacement Major eye surgery Obstetrics Plastic and reconstructive surgery **Anything not listed in the column to right is excluded** - Injuries sustained in an accident - Appendicitis treatment - Knee reconstruction surgery and investigations - Shoulder reconstruction surgery and investigations Tonsils and/or adenoids removal - Surgical removal of wisdom teeth My Options/Priority My Options Renal dialysis **Anything not listed in the column to right is excluded** Injuries sustained in an accident Appendicitis treatment Knee reconstruction surgery and investigations Shoulder reconstruction surgery and investigations Tonsils

2 And/or adenoids removal Surgical removal of wisdom teeth SmartPlus/VIP SmartPlus/Priority SmartPlus Renal dialysis Hip joint replacement surgery Knee joint replacement All other treatment surgery Major eye surgery Cardiac and cardiac related services* Cataract and eye lens procedures* Surgery by podiatrists* Rehab* Psych* *Default (public) benefits only this is not a change Health plus/VIP healthy plus/First Choice Hospital/First Choice Hospital Saver Renal dialysis Assisted reproductive services# Hip joint replacement surgery# Knee joint replacement surgery# Major eye surgery Obstetrics# Cardio-thoracic procedures# Plastic and reconstructive surgery# #These services were only previously covered by default (public) benefits. They are now completely excluded. Cataract and eye lens procedures* Surgery by podiatrists* Non-cosmetic plastic surgery* Rehab* Psych* * Default (public) benefits only.

3 This is not a policy change. All other services covered Priority silver Renal dialysis Cataract and eye lens procedures# Assisted reproductive services# Hip and knee replacements# Non cosmetic plastic All other services surgery# # These services were already excluded Surgery by podiatrists* Rehab* Psych* Sterilisation* (covered after six months) * Default (public) benefits only. This is not a policy change. From the 1 June members will no longer be covered for the newly listed excluded services unless they were pre-booked by 31 March. - Should a patient/member wish to be treated or remain covered for one of the newly listed excluded service then they must switch to a membership that covers them for the newly excluded service. To ensure they are continuously covered they should switch before 1 June.

4 For patients already on a course of treatment for a newly listed excluded service, they will continue to be covered until 31 December. - Should a patient already be on a course of treatment for a new listed excluded service they will need to switch to a membership that covers them for the newly excluded service. To ensure they are continuously covered they should switch before 1 June. The patient/member can either switch to a different Medibank product that will cover them or they can switch to product offered by a different insurer. It is important to note that under the portability of membership rules the patient/member does not have to serve any additional waiting periods for the services for which they were previously covered. Waiting periods would only be served for services for which they were previously not covered.

5