WELCOME TO BEST DOCTORS

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Health Best Doctors WELCOME TO BEST DOCTORS Life. Take charge.

WE WANT TO HELP YOU FIND THE ANSWERS Nobody likes to think about falling ill. But should this happen to you, we want you to feel confident about your diagnosis, and to help you get definitive advice about the treatment that s right for you. Leading medical advice from around the world Best Doctors worldwide network offers you, your partner, your children and your parents, access to over 53,000 leading medical specialists. Whether you need a second opinion on your diagnosis or treatment or have a number of key questions about a current health concern, a network of peer nominated experts from New Zealand and around the world, are there to help. 1 Access an Expert The Access an Expert service gives you easy access to a network of the world s best medical minds by remotely connecting you to them to seek advice and guidance on any medical condition. A leading global expert will provide a recommendation giving you the confidence, clarity and certainty that you have the correct diagnosis and are on the right treatment path. > Firstly, you ll be connected with a New Zealand-based GP who will ask questions about your medical condition and what some of your concerns or questions are. > If you just have a number of questions about your condition then Best Doctors will arrange for those to be answered by a leading global expert and you ll receive a written report within a week. > If you d like a full second opinion on your diagnosis and treatment plan, then Best Doctors will arrange for the collection of your medical records. If necessary, they ll then retest your pathology at a leading pathological centre. > A leading expert or multiple experts depending on the complexity of the case are selected to analyse your diagnosis and treatment plan and make recommendations.

> These details are summarised in a written report and sent to you within 15-20 days of your medical records being received. You are then encouraged to share the report with your treating doctor. If the second opinion suggests an overseas treatment option and you and your treating doctors decide to pursue this treatment, FindBestCare can assist with the coordination of the treatment, including hospital admittance, booking a surgeon, flights, accommodation and a translator, at cost to the patient. 2 Find an Expert When a face to face consultation is what you need, it s imperative to sit down with a doctor you can trust and rely on. The Find an Expert service gives you the ability to identify peer nominated experts across a broad range of specialities in your nearest metropolitan area. If you want a first opinion, a face to face second opinion or to find a trusted surgeon, Find an Expert can help. 3 DocOnline If you need answers to simple medical questions or if you are unsure of a diagnosis, DocOnline can give you unlimited access to a panel of carefully selected local GPs. > You submit your medical questions to an experienced New Zealand based Best Doctors GP via the Best Doctors member portal. > A GP answers your questions and sends the response along with supporting information to you within 48 hours. Who is covered? Access to Best Doctors is available to customers who have a current Sovereign TotalCareMax policy and if a Specialist and Diagnostic Testing benefit is added to their TotalCareMax policy. You can access Best Doctors regardless of whether your condition is covered by your policy, as long as your Specialist and Diagnostic Testing benefit remains active.

Access to Best Doctors is only available to the life assured, their partner (spouse, civil or de facto) and any birth child or child under legal guardianship of the life assured and/or the life assured s partner and the parents of the life assured and/or the life assured s partner. Best Doctors multimedia medical library With Best Doctors, you also have unlimited access to a comprehensive online library of medical information, to help you find the answers you need. This includes information on hundreds of medical conditions, over 300 educational videos and a helpful blog. To find this library, simply register and log in to the Best Doctors member portal sovereign.co.nz/askbestdoctors Best Doctors can help provide you with the answers you seek Since its foundation in Boston, USA, Best Doctors has grown into a large global organisation that serves 30 million people in 70 countries around the globe, including the US, UK, Australia and Canada. Best Doctors calls on the expertise of 0ver 53,000 specialists, voted by their peers as the most respected and trusted in their fields. Best Doctors asks physicians, If you or a loved one needed a doctor in your speciality, who would you refer them to? This ensures that Best Doctors specialists represent the leading edge of medical knowledge in each field. Contact details If you would like to discuss whether advice is available for your particular situation, call Best Doctors on 0800 425 005. Please have your policy number available. To find out more information on Best Doctors, including customer testimonials, please visit sovereign.co.nz/ bestdoctors or talk to your Adviser. To register and log in to the Best Doctors member portal go to sovereign.co.nz/askbestdoctors

Important information Best Doctors will endeavour to assist whenever you need to use the service and there is sufficient information available. However, there may be circumstances whereby the service cannot be provided. These instances generally include conditions that require face-to-face contact for example: > Acute and during hospitalisation. > Mental health conditions. Best Doctors is independent of Sovereign Assurance Company Limited ( Sovereign ). Sovereign does not guarantee the quality of any advice provided through the Best Doctors service or the ongoing availability of the service. Sovereign may withdraw access to the service or change the terms and conditions on which access to the service is made available at any time. Information about Best Doctors was sourced from Best Doctors and is not guaranteed by Sovereign to be accurate or complete. None of Sovereign, its related companies, their directors, officers or employees accept any liability whatsoever for any loss or damage arising out of use of the Best Doctors service, or out of the use of or reliance on the information provided in this document. Best Doctors terms and conditions and eligibility criteria apply. Sovereign is not responsible for any cost associated with becoming eligible to use, or use of, the Best Doctors service (including without limitation the cost of any medical consultations or treatment, travel, lodging, telephone calls, faxes, or email) except as set out in a Sovereign policy contract. The availability of insurance cover is subject to your application being approved. All applications are subject to individual consideration. Special conditions, exclusions and premium loadings may apply. This insurance is underwritten by Sovereign Assurance Company Limited ( Sovereign ). For full details of the products and benefits offered by Sovereign, please refer to the policy document(s) which are available from Sovereign. Sovereign, the policy insurer, is part of the Commonwealth Bank of Australia Group and is a related company of ASB Bank Limited and its subsidiaries ( the Banking Group ). None of the Banking Group, the Commonwealth Bank of Australia, any of their directors, or any other person, guarantees Sovereign or its subsidiaries, or any of the products issued by Sovereign or its subsidiaries.

The information contained in this publication is general in nature and is not intended as advice. It may not be relevant to individual circumstances and before making any insurance decision, you should consult a professional Adviser. Copies of our disclosure statements are available on request, free of charge. Best Doctors, FindBestCare, and the star-in-cross logo are trademarks of Best Doctors Inc., in the United States of America and in other countries and are used under licence. 0800 500 108 sovereign.co.nz Sovereign House 74 Taharoto Road, Takapuna, Auckland 0622 Private Bag Sovereign, Victoria Street West, Auckland 1142 Telephone: +64 9 487 9000 Fax +64 9 487 8003 00649 0716