Health insurance that gives back

Health insurance that gives back

You can trust myown to be there when you need us. myown is backed by companies with global scale and local experience and like all health insurers in Australia, myown is licensed by the Australian Prudential Regulation Authority. This means it has met the same strict financial requirements as any other Australian health fund. Who s behind myown? AIA and AIA Australia. AIA Australia has protected the lives of Australians through providing life insurance for over 40 years and is wholly owned by AIA, the second largest life insurer in the world and the largest listed company on the Hong Kong stock exchange. GMHBA. GMHBA is an Australian not-for-profit health insurer with over 80 years experience and today is the insurer of choice for more than 300,000 Australians. What you can do next. As this flyer only provides a snapshot of our cover, you may want to find out more by visiting us online at myown.com.au. If you re ready to join us now, all you need to do is: Contact your Financial Adviser and ask them to refer you to the myown service team we ll call you back and take care of the rest Call us on 1300 300 338 and let our service team take care of the details

myown. We re different. Most of us see health insurance as something for when things go wrong. myown sees it differently. We think we should help you get healthier and provide you with more value. With myown health insurance with you can get hospital and extras cover and membership to a health and wellbeing program that incentivises and motivates you to take steps to boost your health with great rewards. If you re looking for a different type of health insurance then you re going to love myown. With myown you get: A great range of hospital and extras cover so it s easy to choose the right level of cover for you From 50% to 70% back from any recognised provider on your extras cover up to your annual limits Extras cover that includes swimming lessons for kids (when recommended by your Doctor) and skin checks membership for up to two adults per policy A 5% health insurance premium discount available when you first join and held as long as you maintain Silver status Starting discount of 12.5% on life insurance from AIA Australia through your membership* Access to the app the easy way to earn points, do health assessments and redeem rewards Peace of mind. myown is backed by AIA and GMHBA companies with global scale and local experience. AIA provides insurance to 50 million people around the world and GMHBA has provided health insurance to Australians for more than 80 years. *For eligible policies purchased through a Financial Adviser only. For more information and full details relating to eligibility, contact your Financial Adviser.

Our cover at a glance Hospital and Extras packages* All products include a $500 excess Accident Only ^ Basic Package with ^ Mid Package with ^ Comprehensive Package with ^# Top Package with ^ (includes pregnancy) Our most basic package suitable for people seeking minimal cover. cover for accidents only + with 50% back on extras up to annual limits. A bit more than just accident cover and still very affordable. cover with exclusions for treatments you may not need, and 55% back on extras up to annual limits. Mid-level cover for people seeking more than basic cover. cover with some exclusions, and 60% back on extras up to annual limits. When you want peace of mind, but don t need cover for pregnancy or IVF. cover with 70% back on extras up to annual limits. Our top level of cover, great for growing families with pregnancy and IVF included. cover with 70% back on extras up to annual limits. Hospital only cover* All products include a $500 excess Accident Only with ^ Basic Hospital with ^ Mid Hospital with ^ Comprehensive Hospital with ^# Top Hospital with ^ (includes pregnancy) Our most basic hospital cover suitable for people seeking minimal cover. cover for accidents+ only. Affordable private hospital cover for accidents and for other treatments. Exclusions apply. Mid-level private hospital cover for people seeking more than basic cover. Exclusions apply. cover for when you want peace of mind, but don t need cover for pregnancy or IVF. Our top level of private hospital cover covers you for all hospital treatments including pregnancy and IVF. *All levels include 100% Ambulance coverage, Australia wide for emergencies only. Emergencies are defined as circumstances when immediate hospital treatment is required for a serious and acute injury or condition where the viability or function of an organ or body part is threatened. Under myown you are covered for all clinically necessary, emergency ambulance services in Australia. We recommend checking with your state Ambulance authority to ensure you are correctly covered for all non-emergency ambulance transport within Australia All hospital products include a maximum $500 annual excess per person each calendar year. Couples, single parents and families cover have an excess of $500 per person, per admission up to $1,000 per membership each calendar year ^For couples and family cover only, membership will allow for two adults per policy # Pregnancy excluded +Accidents are defined as an unforeseen event occurring by chance and caused by an external force or object, which results in involuntary injury to the body. Treatment must be sought through a Doctor or an Emergency Department within 48 hours of sustaining the injury.

What is? is a health and wellbeing program that works by awarding you points when you take steps towards becoming healthier. As you accumulate more points, you unlock bigger discounts and rewards so the more you put into your health the more you get back. Our partners

s approach takes you on a journey to better health where you get to know your health, improve it and enjoy the rewards for doing so. As a new member, you start on a Bronze status and work your way up by completing activities. Know your health. Health checks Nutrition assessments Fitness assessments We offer a range of online and offline health assessments to help you understand more about your health. Improve your health. Healthy eating Exercise & fitness Lifestyle & wellbeing helps you set goals and maintain good health through discounts on gym memberships, fitness devices and more. Enjoy the rewards. Flights Entertainment Shopping vouchers We keep you motivated with ongoing rewards for all your effort, including discounts on flights, movie tickets, shopping vouchers, spa treatments and more.

membership is a health and wellbeing program based on the idea of incentivising people to lead healthier lives. How to earn points Activity Maximum points per year health check fitness assessment Sleep tracking 2,000 Advanced health screenings - if advised by health practitioner 1,000 health review online 1,000 Mental wellbeing assessment - online 1,500 nutrition assessment - with Accredited Practicing Dietician 1,500 Nutrition assessment - online 1,000 Vaccinations 1,000 Dental check-up 1,000 Non-smoker s declaration 1,000 Achieve your goal 6,000 Nutrition tracking - keep a food diary with Fitbit 4,800 Eye check-up 1,000 Skin check - online 1,000 partner gym visits* Exercise tracked through fitness trackers or apps* Participation in organised fitness events* Up to 6,000 points Up to 3,000 points 100 per visit Up to 100 per day 7,500 steps - 50points, 12,500+steps - 100points 100-1,500 per event Earn cashbacks and up to 50% off on gym memberships Save up to 25% on selected fitness devices Earn weekly rewards for being active Receive retail e-gift cards up to $650 Enjoy up to 50% off travel with our flight partner^ Enjoy Jaggad active wear with up to 50% off Correct as at May 31, 2017. The program updates regularly. For the most current information go to www.aiavitality.com.au *Annual cap of 15,000 points applies to these items combined ^The first two bookings each membership year will be discounted based on the status at the time of booking. All further bookings after these will be at 10% cashback. Discounts are valid for economy and premium economy seats only, and for one way or return flights (Multi-City and Round the World flights are excluded). You must complete an Health Check in order to qualify for Silver, Gold and Platinum status discounts. Airlines participating in the program can be found at www.aiavitality.com.au.

myown Hospital Cover We have five levels of Hospital Cover to simplify finding the most appropriate cover for either you or your family. All medically necessary inpatient services are covered unless otherwise stated. All products include a $500 excess. Accident Only with Basic Hospital with Mid Hospital with Comprehensive Hospital with Top Hospital with AIA Vitality Psychiatric Palliative care Rehabilitation Accident only Waiting periods 2 months Pregnancy and birth related 12 months IVF and assisted reproductive Joint replacements Cataract and eye lens Gastric banding and obesity Renal dialysis Insulin pumps Neurostimulators Spinal surgery Cardiac and cardiac-related Cochlear implants Podiatric surgery Brain surgery+ Dental implants Cancer treatment # Surgical prosthesis Gynaecological procedures Wisdom teeth removal Appendix removal Tonsils and adenoids Joint investigations/ reconstruction Colonoscopies Gastroscopies Ear grommets Hernia repair Accidents^ Emergency ambulance* x Excluded Included Restricted benefits++ 2 months or 12 months for preexisting conditions 1 day 1 day All hospital products include a maximum $500 annual excess per person each calendar year. Couples, single parents and families cover have an excess of $500 per person, per admission up to $1,000 per membership each calendar year +Brain surgery refers to surgery to treat conditions of the brain or skull. This may include removing a brain tumour (unless cancer), bleeding (haemorrhage) in the brain, blood clots (hematomas) in the brain, weakness in blood vessels (brain aneurysm repair) and craniotomy # Cancer treatment includes surgery to diagnose or remove cancer and in-hospital treatments which are approved under the Pharmaceutical Benefits Scheme for the specific type of cancer being treated. This may include surgery, radiation (radiotherapy) and chemotherapy ^Accidents are defined as an unforeseen event occurring by chance and caused by an external force or object, which results in involuntary injury to the body. Treatment must be sought through a Doctor or an Emergency Department within 48 hours of sustaining the injury *All levels include 100% Ambulance coverage, Australia wide for emergencies only. Emergencies are defined as circumstances when immediate hospital treatment is required for a serious and acute injury or condition where the viability or function of an organ or body part is threatened. Under myown you are covered for all clinically necessary, emergency ambulance services in Australia. We recommend checking with your state Ambulance authority to ensure you are correctly covered for all non-emergency ambulance transport within Australia ++myown will cover accommodation charges in a shared room in a public hospital. Staying in a single room in a public hospital or treatment in a private hospital will result in significant out of pocket expenses. Before receiving any treatment, check in with myown for a quote so that you understand what you re covered for All products exclude hospital treatment for which Medicare pays no benefit (i.e. cosmetic surgery).

myown Extras Cover Our Extras* Cover lets you claim from 50% to 70% back up to your annual limits each calendar year from any recognised provider so you ll always know what you re going to get back and you can choose who treats you. Accident Only Basic Mid Comprehensive Top Percentage back 50% 55% 60% 70% 70% Waiting periods General dental $600 $800 $800 $1,000 $1,000 2 months Preventative dental No annual limit No annual limit No annual limit No annual limit No annual limit 2 months Major dental (including crowns, dentures, implants, etc.) $500 $800 $1,000 $1,000 12 months Orthodontics (Lifetime Limits) $800 $2,000 $1,000 $2,600 $1,000 $2,600 12 months Optical (100% back up to annual limit) $200 $250 $250 $300 $300 6 months Physiotherapy Hydrotherapy Myotherapy Exercise physiology $300 $300 $500 $600 $600 2 months Chiropractic Osteopathy $200 $200 $300 $400 $400 2 months Naturopathy Homeopathy Acupuncture Remedial massage $200 $200 $300 $400 $400 2 months Podiatry $400 $400 2 months PBS Pharmacy+ $200 (max $40 per item) $300 (max $40 per item) $400 (max $40 per item) $400 (max $40 per item) 2 months Psychology $200 $300 $400 $400 2 months Audiology $300 $400 $400 2 months Eye therapy $300 $400 $400 2 months Speech therapy $300 $400 $400 2 months Antenatal & postnatal $400 2 months Occupational therapy $200 $300 $400 $400 2 months Medically prescribed appliances (inc. hearing aids) Orthopaedic appliances Swimming lessons (if advised by health practitioner) $300 $300 $500 $500 12 months $400 $400 2 months $200 $200 $300 $300 2 months Dietetics $200 $300 $400 $400 2 months Preventative health benefits (100% back up to annual limit)^ $100 $150 $200 $200 2 months x Not covered *All extras limits are per person +Non PBS pharmaceuticals must be a private Schedule 4 or Schedule 8 and dispensed via a provider in private practice to qualify ^Preventative health benefits include bowel cancer identification kits (purchased through GMHBA 1 every 2 years) and melanoma surveillance photography (1 per year).

www.myown.com.au PO Box 7302, Melbourne VIC 3004 Email service@myown.com.au Call 1300 300 338 myown health insurance is issued by MO Health Pty Ltd ABN 32 611 323 034, a registered private health insurer. is issued by AIA Australia Limited ABN 79 004 837 861.