HOME, CONTENTS AND LANDLORDS INSURANCE FOR COVER INSIDE AND OUT 10% OFF FOR BUPA HEALTH MEMBERS

Insurance Australia Limited (IAL) ABN 11 000 016 722 AFSL 227681. Any advice contained in this document is general advice only and does not take into account your individual circumstances. Bupa HI Pty Ltd ABN 81 000 057 590 is an authorised representative of IAL. In arranging this insurance, Bupa acts on behalf of the insurer, IAL and not on behalf of the insured. This document is a Home insurance brochure. A separate Financial Services Guide and Product Disclosure Statement available from bupa.com.au lists the specific terms, conditions, limits, and exclusions to the Home insurance product. It is important you read and understand these documents before purchasing this product.

WE VE GOT THE ROOF OVER YOUR HEAD COVERED Everyone, no matter where they live, wants to feel secure. That s why, whether you re a home owner or renting a property, it s important to make sure you have a sufficient level of cover. At Bupa, we re committed to providing great value to our members. And through our partnership with IAL we can take care of your Home & Contents Insurance needs. Plus if you own a rental property, we can cover that as well. And if you re a Bupa health member, you ll also get a healthy 10% discount on your premium. Why Bupa? 2 Home and Contents Insurance 5 Accidental Damage Cover 7 Listed Events Cover 9 Products at a Glance 10 1

WHY BUPA? We want you to live a longer, healthier, happier life Bupa is a healthcare leader proudly looking after the needs of more than three million Australians. We have been around for over 60 years and we're part of a global family of businesses. It is our purpose that makes us different. We exist to help our members live longer, healthier, happier lives. We are dedicated to helping find a healthier you. To find out more: Call us on 134 135 Visit bupa.com.au Drop by your local Bupa centre 2 2

WE PUT OUR MEMBERS AT THE HEART OF EVERYTHING WE DO The right cover for you We know each home is different. So whilst health insurance is at our core, we are committed to offering high-quality cover in everything that we do, by providing you with access to a range of options to help meet your current and changing home and contents needs. By your side wherever you are We know the unexpected doesn t always happen during business hours. That s why you have access to a 24-hour emergency claims assistance hotline. Even better, there is no need to fill out complicated forms and paperwork, you can claim over the phone, helping you get back on track faster. Greater value for members 10 % home OFF Our members are important to us, and we know your bank balance is important to you. So, as a valued Bupa health member, you will receive a 10% discount off your Bupa insurance premium every year. Sometimes the little things mean a lot There are lots of things that make your house a home. Our contents insurance covers you for up to $20,000 for any item, set or pair, both in and out of the home. Giving you peace of mind knowing that the little things you use every day such as your digital camera, laptop, phone, or DVDs are covered.* *Individual limits and conditions apply. Refer to Product Disclosure Statement (PDS) for full details. 33

HOME AND CONTENTS INSURANCE Bupa s Home and Contents Insurance covers more than just the four walls you live in. Because we know the things in and around your home are important too, we offer cover that you can depend on for inside and out. We have a great range of Bupa home and contents insurance options that can be tailored to suit your needs. You can choose between building only, contents only or both. You can also select levels of insurance ranging from Accidental Damage cover, Listed Events or Fundamentals. 5

ACCIDENTAL DAMAGE COVER Our highest level of home insurance covers your home for events such as fire, theft, burglary, storm and water damage, plus accidental damage or loss, with benefits including: contents cover for up to $20,000 per item, pair or set* cover for permanent fixtures built on your property, including garages, swimming pools, sheds, decking and spas cover for replacement keys and repairs to locks cover for accidental loss or damage to valuables such as jewellery, watches or mobile phones inside or outside your home. *Terms, conditions, limits and exclusions apply. For full details please refer to the PDS. 7

LISTED EVENTS COVER This cover provides you with comprehensive cover for events such as fire, theft, burglary, storm and water damage, with benefits including: contents cover for up to $20,000 per item, pair or set* cover for permanent fixtures built on your property, including garages, swimming pools, sheds, decking and spas cover up to $1,000 for replacement keys and repairs to locks cover for new-for-old replacement. We also offer a basic level of cover known as Fundamentals. To see how all three types of cover stack up, check the table on page 10. *Terms, conditions, limits and exclusions apply. For full details please refer to the PDS. 9

PRODUCTS AT A GLANCE Features* HOME AND CONTENTS INSURANCE Accidental Damage Listed Events Fundamentals Accidental damage or accidental loss Alternative accommodation Paid in addition to the sum insured Architects, surveyors and legal fees Paid in addition to the sum insured Burning out of an electric motor for motors up to 15 years old CDs, DVDs, BluRay Discs and Software Up to $20,000 per item or boxed set unless specified Contents at home in the open air Credit Card and transaction card misuse $5,000 Up to $2,000 for the events listed $5,000 Up to $1000 for the events listed $1,000 Fine art, paintings and works of art Up to $20,000 per item unless specified Loss of frozen food after break down No limit Up to $500 New-for-old replacement cover (Contents) Removal of debris and demolishing costs Paid in addition to the sum insured Replacing keys and repairs to and recoding of locks and barrels Valuable items jewellery, laptops, mobile phones, cameras & photographic equipment, MP3 players, etc. Optional additional Valuables Cover Worldwide cover for up to 90 consecutive days Vet expenses if your pet is injured in a road accident No limit 20% or $7,500 whichever is greater (up to $2,500 per item). Up to $1,000 20% or $5,000 whichever is greater (up to $2,500 per item). Up to $1,000 $2,000 in total (up to $1,000 per item). Up to $500 Up to $500 10

LANDLORDS RESIDENTIAL INSURANCE Features* Accidental breakage of fixed glass, basins, sinks, baths and toilets included in loss or damage by a tenant or their visitors Architects, surveyors and legal fees Paid in addition to the sum insured Burning out of an electric motor for motors up to 15 years old and no bigger than 3.7kW Deliberate or intentional acts, vandalism or a malicious acts Optional Liability $5 million, $10 million, $15 million or $20 million Optional Loss of Rent cover If your building is uninhabitable, up to 12 months, up to the sum insured chosen Optional Rent Default cover Up to $5,000 less any excess or bond money Optional Theft by Tenant cover Removal of debris and demolishing costs Paid in addition to the sum insured Water or liquid damage *Terms, conditions, limits and exclusions apply. For full details please refer to the PDS. 11

FOR MORE INFORMATION 134 135 bupa.com.au Visit your local Bupa centre Mailing details: Bupa PO Box 14639 MELBOURNE VIC 8001 Bupa HI Pty Ltd ABN 81 000 057 590 10545-08-17S The World of Bupa Health Cover Health Coaching & Programs International Health Cover Corporate Health Solutions Optical Products & Services Dental Services Aged Care Medical services Travel, Home & Car Insurance Life Insurance 14