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BUPA ANNUAL REVIEW 2012

HEALTHCAR E THAT S R IGHT FOR YOU

In this document, references to "Bupa" and "Bupa Australia" are references to Bupa Australia Holdings Pty Ltd (ACN 129 951 851), Bupa Australia Pty Ltd (ACN 000 057 590) and Bupa Australia Health Pty Ltd(ACN 003 098 655) and their related bodies corporate. References to Bupa Care Services are references to Bupa Aged Care Australasia Pty Ltd (ACN 120 380 654) and its related bodies corporate.

Our purpose 1 Our commitment to you. Our Values 2Bupa around the world 6Bupa in Australia and New Zealand 7The healthcare partner for you 8Leadership Team 10Continuing to build our brand 12Providing health services in our region 13Helping to shape the healthcare system with you in mind 14Getting to know you 162012 Bupa snapshot 18Our leading products 20Our programs and services 24Keeping you on track online 28Bupa Health Dialog 30PEAK Health Management 31Bupa Aged Care 32Bupa in your community 36Bupa Health Foundation 42The Bupa journey 46Group Business Directory 48

At Bupa, we exist to help our members live longer, healthier, happier lives. Thats

OUR PURPOSEAnd as a leading healthcare organisation in Australia and New Zealand, were well placed to help support and look after you and your familys health.

Everything we do is for the health of our members. We are part of a global family that reinvests its profits to provide better services for our members. We believe this is the only way to truly put you first because at Bupa, were committed to helping find a healthier

YOU

Bupa Annual Review 2012 1

We want people to not just live longer, but to do so with better health and a sense of wellbeing and happiness. Thats why we take care of our members, not only by providing choice and access to affordable treatment when they need it, but also by offering them practical support and advice to help get well and stay well.

OUR VALUESCaring We genuinely care about peoples health and wellbeing.

Respectful We respect peoples individuality, privacy and dignity, and try to respond to their individual needs.

Ethical We are committed to acting responsibly and in the best interests of people and the environment.

Enabling We empower people with our knowledge and experience to help them choose the most appropriate solutions for them.

Dedicated We are dedicated to providing professional, reassuring service, and seeking opportunities to go the extra mile and exceed peoples expectations.

Accountable We are accountable for the quality, efficiency and value of our services, and act in the best interests of our members.

OUR COMMITMENT TO

YOU

2 Bupa Annual Review 2012

WHEN IT COMES TO HEALTHCARE, WHAT ARE YOULOOKING FOR?

Im after good value for money and benefits that suit my changing needs.

Im looking for a healthcare provider that cares about what is best for me and can give me sound advice.

Being able to access the specialist of my choice is important to me and my family.


Life is busy, so I want to be able to simply and easily manage my health cover any time of the day or night.

I want a healthcare provider that gives me the support and tools I need to help me live a healthier life.


BUPA AROUND THE WORLD

SpainSanitas, Spains leading health insurer, with 2 million customers.

Hong Kong280,000 health insurance customers, including employees from more than 2,300 companies.

UKUKs largest health insurer, with 2.7 million customers.

ThailandThe leading individual and corporate health insurer, with over250,000 customers.

IndiaMax Bupa, a joint venture with Max India, is providing health insurance schemes for the state of Bihar.

ChinaInternational health insurance, provided with Chinese partner and insurer, the Alltrust Insurance Company.

USAHealth Dialog is a leading provider of healthcare analytics and decision support in the USA.

South AmericaInternational health insurance for 160,000 customers in the Caribbean and Latin America and a building presence in Mexico.

Saudi ArabiaWith 1.2 million customers, one of the kingdoms largest health insurers, serving individuals and businesses.

Bupa is a leading international healthcare organisation with a strong and growing global presence.


BU PA I N AUSTRAL IA AND N E W ZEALAND

Bupa Australia in 2012 Australia's largest privately

managed health insurer 3.4 million customers* 100 retail centres 60 aged care homes 4,265 aged care residents* As at 30 June 2012

Bupa New Zealand in 2012 46 aged care homes Over 3,000 aged

care residents 15 specialised dementia

care centres 17 retirement villages 11,000 medical alarms


THE HEALTHCARE PARTNER FOR YOU

Bupa has undergone some significant changes in 2012 we see it as the starting point of an exciting journey to achieving our 2020 goals, that unites us globally, sets the foundation for accelerated growth and will help us become the most trusted and recommended healthcare organisation in the world.


BU PA I N AUSTRAL IA AND N E W ZEALAND

Bupa is part of an international business, which cares for more than 11 million people across 190 countries and reinvests its profits back into the business so we can deliver better products and services for our customers and better health outcomes.

Being part of a global group also gives us the strength and backing to set ambitious goals. For Bupa, this has seen us articulate our 2020 ambition, which is to be a healthcare partner to many more millions of people around the world; deliver extraordinary business performance; and to create an organisation where people love to work. In Australia and New Zealand, we are seeking to fast track this by integrating the way we operate and looking more holistically across our businesses to see where we can add value to deliver services that help more people live longer, healthier and happier lives. This is of course Bupas Purpose.

In October 2012, the Bupa Group was reorganised into five market units and the Australian and New Zealand businesses were formally brought together. I was delighted to be appointed Managing Director of the new Australian and New Zealand market unit and given the opportunity to lead the 12,000 plus employees that drive our business success. This also saw us officially unite our three business units Australian Private Health Insurance, Bupa Care Services Australia and Bupa Care Services New Zealand.

In December, we also announced our acquisition of Innovative Cares aged care portfolio, making us the largest private provider of aged care in Australia. We were also pleased to enter into an agreement to acquire Dental Corporation, Australia and New Zealands largest dental group, helping us further diversify our business. Private Health Insurance experienced strong growth in 2012 with another 150,000 people becoming Bupa members. With 3.4 million members, we are the largest privately owned health insurer in Australia.

However, we recognise that to achieve our vision of becoming a healthcare partner to our customers, we must continue to develop innovative products and health solutions. For example, Bupas landmark 2012 partnership with Healthscope enhanced member benefits when using Healthscopes network of hospitals, medical centres and skin clinics. This adds to our already extensive health programs and online health tools, calculators and mobile apps. These apps

include FoodSwitch which has been adopted by more than 300,000 people to help them make healthier food choices, the Brainy app which is aimed at dementia risk reduction and has had 250,000 users and the newly released Choosing a care home app.

As a national and international healthcare leader, the health and wellbeing of our community, improving health outcomes and the affordability and accessibility of the health system are critically important to us. This is why we actively continue to advocate on health reform and policy issues relevant to our customers.

We continue to invest in partnerships and sponsorships that enable us to connect more broadly with the community and inspire them to take the necessary steps to get active and start thinking about their health. In addition, through the Bupa Health Foundation, we are playing a leading role in the health system and generating new ideas and approaches that will improve the health of all Australians. The Foundation is one of the largest corporate foundations dedicated to health, and in 2012 it directly supported research in skin cancer, autism, mental illness and macular degeneration.

Our business success, combined with a great brand and great people, gives us a fantastic platform from which to accelerate our growth. As we look to the future, we will be undertaking further initiatives that will continue to diversify our business and achieve our vision of becoming a healthcare partner to our customers. We will work to expand our aged care portfolio, enhance our innovative online services and rollout a new retail model to meet our customers needs.

As Bupa enters an exciting period, which presents tremendous opportunities in Australia and New Zealand, our primary goal remains to help all our customers to be healthier and live longer, healthier, happier lives.

Dean HoldenManaging Director,Bupa Australia and New Zealand


BUPA AU ST R AL IA AND NEW ZEALAND LEADE RSH I P TEAM

1

3

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11

2

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1. Dean Holden Managing Director, Australia and New Zealand Dean is accountable for the growth strategy of the regions private health insurance, complementary healthcare and aged care businesses. Throughout his 25 years at Bupa, he has overseen operations in Australia, Latin America, Spain, Saudi Arabia, Hong Kong and Thailand, as well as Bupa International. Dean led Bupas development into new markets and held a range of senior roles, including Managing Director of Bupas Asia Pacific Division and Group Financial Controller. Dean is a Chartered Certified Accountant (FCCA).

2. Naomi Attwood Director, Customer Service, Bupa Australia Naomi champions Bupas efforts to provide exceptional customer service and leads a large customer service team that interacts with our customers to update policies, process claims and resolve customer enquiries. Naomi is responsible for delivering a customer experience that aims to be personal, efficient and sustainable. Naomi has led customer service operations for the past 15 years in businesses in Australia and the United Kingdom and was previously Director of Transformation at Bupa.

3. Dr Paul Bates Chief Medical Officer, Australia and New Zealand Paul is strongly focused on improving outcomes for consumers. He graduated (medicine) in 1985 and has practised across a wide variety of specialities. He has a Master of Business Administration and has held senior health leadership roles in Europe, Asia and the United States. Prior to joining Bupa, Paul was the National Medical Director for Innovations at OptumHealth in the USA. Paul has developed a strong reputation for leading programs that improve healthcare quality and efficiency and that help consumers make informed healthcare decisions.

4. Dr Dwayne Crombie Managing Director, Bupa Care Services, New Zealand Dwayne has led Bupa Care Services in New Zealand since 2006. He holds a Bachelor of Medicine and Bachelor of Surgery and a Diploma in Community Health, is a Fellow of the New Zealand College of Public Health Medicine and Royal Australasian College of Physicians. Dwayne also has an Executive MBA and has extensive experience across New Zealands public health sector.

5. Hisham El-Ansary Director, Strategy and Business Development, Australia and New Zealand Hisham is responsible for Bupas business strategy, including company-wide strategy development, mergers and acquisitions, project delivery and commercial subsidiaries. He joined Bupa in 2008 as Chief Financial Officer and in November 2010 was appointed to his current role. Hisham has held a variety of senior executive roles over the past 27 years and his qualifications include a Bachelor of Economics and Master of Business Administration. He is a Fellow of CPA Australia and a Fellow of the Australian Institute of Company Directors.

6. Mark Engel Director, Group Development, Australia and New Zealand Mark is responsible for Bupas marketing strategy and delivery. He has over 30 years experience in the health and general insurance industries, as well as significant experience in the financial services sector. In 2011, Mark oversaw one of the most exciting developments in Bupas history the coming together of MBF, HBA and Mutual Community health insurance brands under a single Bupa brand.

7. Tony Forster Director, Sales, Bupa Australia With over 30 years in the financial services and insurance industries, Tony has held roles in banking, financial services, human resources, customer administration, operations, service and sales. Tony was appointed Bupas Customer Service Director in mid-2008. He was the business sponsor for the Priority One

project, migrating 1.6 million MBF customers onto the Bupa customer system in July 2010, and became Sales Director at Bupa in October 2010.

8. Paul Gregersen Managing Director, Bupa Care Services, Australia Paul has overseen Bupa Care Services Australia since 2008 and has led the aged care business through a period of innovation and growth. Highlights include forming a corporate partnership with Alzheimers Australia to support the organisations Fight for a Cure and the development of the Bupa Way, an employee ethos that places residents needs at the centre of every decision. Paul has worked with Bupa since 2001, managing Bupas largest hospital in the UK, before moving to Singapore as CEO. In 2006, Paul was appointed Director and Chief Representative for Bupa in China.

9. Dieter Lehmann Director, Corporate Affairs, Australia and New Zealand Dieter joined Bupa in 2012 and is responsible for internal and external communications and stakeholder engagement activities. Prior to Bupa, Dieter was Asia Pacific Head of Corporate Affairs for Owens Illinois (O-I) the worlds leading glass container manufacturer. Dieter has also worked in a range of senior corporate affairs roles for General Motors Corporation. Dieter has a Bachelor of Arts degree in Journalism from the Royal Melbourne Institute of Technology and was Media Director and Principal Press Secretary for the Liberal Party of Victoria.

10. Joy Linton Director, Finance and Commercial, Australia and New Zealand Joy has 20 years experience in strategic and financial roles, including CFO of National Foods from 2007 to 2010, and is responsible for driving Bupas overall financial performance. Joy has strong acquisition experience and a Bachelor of Commerce from the University of Melbourne, a Graduate Diploma of Applied Finance and Investment from the Securities Institute of Australia and is a graduate of the Australian Institute of Company Directors. Joy commenced at Bupa Australia in 2011.

11. Penny Lovett Director, People, Australia and New Zealand Penny joined Bupa in 2002, having previously held a number of senior Human Resources positions at leading financial and professional service organisations. Penny attained an MBA in 2001 and is a member of the Australian Institute of Company Directors, as well as a Fellow of the Australian Human Resources Institute. In her role with Bupa, Penny drives the people elements of the organisations overall strategic goals through the attraction, development and engagement of talented people.

12. Angus Norris Director, Health and Benefits, Bupa Australia Angus is responsible for purchasing quality services that meet the healthcare needs of members, as well as overseeing the development and implementation of health programs. He introduced Bupa Health Dialog into the Australian market and implemented new programs such as Genesis Heart Care. Joining Bupa Australia in 1995, Angus has over 25 years hospital management experience. Prior to Bupa, he spent five years with the Australian Red Cross as National Refugee and Protection Manager.

13. Peter Powell Director, IT, Australia and New Zealand Peter is responsible for ensuring the provision of high-quality, reliable technology services at Bupa. In 2010, Peter drove the successful integration of the businesses computer systems.Peter has had over 30 years in information technology. He joined Bupa UK in 1999 and in 2002 was appointed Chief Information Officer for Australia and Asia. Prior to joining Bupa, Peter was IT Director at the UK telecommunications company Racal Network Services and has held other senior leadership positions with major financial services and distribution organisations.


CONTINUING TO BUILD OUR BRAND

In 2011, we started to change the way we work from the inside out bringing three brands together as one, and shifting our mindset from operating as a health insurer to being a healthcare partner. The joining of HBA, MBF and Mutual Community to become Bupa has been enormously successful and our Find a healthier you campaign has significantly raised Bupas market presence.

We are continuing to build on this campaign by demonstrating how our members can use their health cover to proactively manage their health. Because, lets face it, its much easier to have regular catch-ups with your dentist than need the occasional major rescue! And, by highlighting how our health services, health information and innovative tools can help people manage their health, we aim to inspire them to make healthier choices.

Bupas expertise extends well beyond health cover to health assessment, health coaching, international health cover, optical care, dental care, aged care and corporate health services. We offer all this for one simple reason we want to help find a healthier you.

Sarahs story*

Sarah was mostly healthy but occasionally she suffered with back pain. After receiving treatment from a Members First physiotherapist she was quickly on the road to recovery but her physiotherapist suggested she also take up Pilates to help her stay well. Since starting Pilates, Sarah has gone from strength to strength, her back is better than ever and through the support of some nifty Bupa tools and apps she has been able to make broader positive lifestyle choices. Sarahs discovering her healthier self.

*Sarah's story is for illustrative purposes only.


PROVIDING HEALTH SERVICES IN OUR REGIONAustralia has long been considered the lucky country and this is certainly true of its healthcare system. With a universal public health system that is backed by a thriving private health sector, together they are well placed to address and devise solutions to meet the countrys future health and aged care services challenges.

The public system is important in providing access to affordable healthcare and a good standard of service for all Australians. Nevertheless, almost half of all Australians recognise the value and choice available in the non-public sector and opt to top up their healthcare with private health insurance.

As the countrys largest privately owned private health insurer, we provide insurance to 3.4 million Australians and cover a third of the market. The private health sector is a vital partner in helping manage the increased demand for health services and reducing the pressure on the public system. Through our 60-year history in Australian healthcare we have proudly continued to deliver high-quality health cover that is affordable and represents real value.

Bupa Care Services is the largest provider of residential aged cares services in Australia and New Zealand. We are committed to meeting the needs of an ageing population and our goal is for our name to be synonymous with the highest quality aged care services.

Rising to the challengeChronic illness, an ageing population and the rising costs and demand for care are rapidly emerging challenges. Thats why Bupa is actively engaging with state and federal governments, professional and consumer organisations and leaders in health care provision and research to ensure the attributes and benefits of the private healthcare system are fully considered as part of Australias ongoing policy discussion around health reform.

To meet the rising cost and demand for aged care services, we are advocating for greater flexibility and choice so that older Australians and New Zealanders have access to the most suitable care and services to meet their evolving needs. We continue to expand our aged care services and have tailored many of our residential aged care homes to meet residents health needs; providing specialised dementia care is a high priority. Bupa Care Services is the major corporate sponsor of Alzheimers Australia and Alzheimers New Zealand, and is funding research and community outreach programs to support people living with dementia and their carers.

Its also estimated that the aged care workforce will need to grow by more than 500,000 over the next 40 years to meet the needs of Australias ageing population. Bupas Graduate Nurse Program, is an industry leading initiative which is designed to increase the number of specialised nurses in the healthcare system and aid their progression into clinical and management roles within aged care.

Innovative solutionsWere proud to be an active and integral part of Australias healthcare system and we keep working to deliver innovative solutions.

We play an important role in preventive health and chronic disease management. Bupa Health Dialog and The COACH Program help people living with chronic disease to improve their health outcomes. The health tools, calculators and mobile apps we have implemented are targeted at preventive care and helping people to adopt healthier behaviours. Many partnerships established through the Bupa Health Foundation including with major universities in every state, Baker IDI Heart and Diabetes Institute, the Garvan Institute, Cancer Council Victoria and Royal Flying Doctor Service are also focused on preventive healthcare. Through this approach we see immediate benefit to our customers and more broadly a lasting benefit to the health care system.

We believe health innovation and preventive care are essential to helping Australia and New Zealand successfully address their health care challenges today and in the future.


Dr Paul BatesChief Medical Officer,Bupa Australia and New Zealand

PLAYI NG A LEAD ROLE

HELPING TO SHAPE THE HEALTHCARE SYSTEM WITH YOU IN MIND


At Bupa we proactively engage with policy makers, public and private healthcare providers and community-based groups. We support research that will help make a distinct difference to health management and practice. We do this because we want what our members want a healthcare environment that supports people to understand, take action to keep healthy, make informed decisions and get the right care in the right place at the right time.

Influencing the healthcare landscapeHealth advocacy is a large part of what we do. Our voice is at the frontline of health reform and policy issues relevant to our customers and is critical to raising awareness about a vast array of public health issues.

2012 has been a significant year for health insurance in Australia, with the Federal Government making a number of changes to the way private health insurance operates. From 1 July 2012 the Australian Government Rebate on private health insurance was income tested and the Medicare Levy Surcharge for high-income earners was increased. Importantly, we have supported our members through this change, actively engaged with key leaders and policy decision makers to help ensure our customers interests are represented at the highest levels and contributed to discussion on social media channels to inform the general public of the implications.

Also, the Federal Government signalled its preferred direction for long-term reform to the funding and structure of Australias aged care system with the announcement of the Living Longer, Living Better reform package. In response, we launched the Home Truths campaign as we were concerned that the proposed reforms would significantly reduce residential aged care subsidies and fail to address silos that exist between community, residential and transitional care. The campaign galvanised the community, who sent over 10,000 postcards to politicians around the country.

In addition to the public campaign, Bupa representatives met privately with a large number of parliamentary members to discuss the impact of the proposed aged care reforms and communicate the views of our residents and their families.

We engage regularly with government to provide expert advice on a range of health and wellness issues. Paul Gregersen, Managing Director, Bupa Care Services Australia, is a member of the Aged Care Financing Authority, a committee that advises the government on aged care funding.

This year, we engaged directly with the Prime Minister, Opposition Leader, the Minister and Shadow Ministers for Health and Aged Care, Treasury representatives from major parties, various cabinet ministers, key independents, senior level bureaucrats and regulators across a range of health and ageing issues. We also contributed to a variety of policy development processes around regulation, pricing, competition, aged care financing

and evidence-based medicine. In the lead up to the September 2013 Australian federal election we will continue to work with both the Opposition and the Government to support and influence the development of their policy platforms.

Accessing the latest advances in healthcareBecause we are part of the global Bupa Group, were able to draw on a wealth of knowledge and experience to help improve the lives of our customers. We leverage our local and global Bupa experience to the benefit of our customers and the healthcare community.

We work closely with influential stakeholders in the private and broader health environments, including groups such as the Australian Medical Association, Australian Medicare Local Alliance as well as health professional groups including the Royal Australian College of General Practitioners, the Australian Research Alliance for Children and Youth, Obesity Australia and the Australian Disease Management Association.

The Bupa Health Foundation also partners with organisations in research, advocacy and health and wellness education to help ensure our customers and all Australians have access to the most up-to-the-minute advances in healthcare. Through 2012 we have worked with Arthritis Australia and leading joint disease experts from around the country to champion the cause of reducing the impact of osteoarthritis on peoples mobility, pain and quality of life. We have also worked with the George Institute to take up the fight against the risk of stroke and heart disease, with the Garvan Institute to stem the impact of osteoporosis, with a number of research teams to help improve cancer outcomes and reduce the prevalence of dementia, and supported Medicare Locals to establish the next generation of primary care in Australia as a way of better managing chronic disease.

A healthcare partner to millions around the worldOur visibility and involvement across media, government, health and broader industry and our willingness to work with all stakeholders in the pursuit of positive heath outcomes is addressing our ambition of being a healthcare partner to many more millions of people around the world.

Through our provision of innovative and accessible health information we are now literally in the hands of millions of people. Our community partnerships such as Bupa Walk to Work Day and Bupa Around the Bay further see us connecting with people and encouraging them to live healthier lifestyles. Were also proud to have partnered with Channel Tens Million Kilo Challenge, through offering expert advice to help tackle the issue of obesity.

At Bupa, we are driven to improve the healthcare systems and devise innovative products, programs and services because we want to empower people to make healthier choices we are committed to helping everyone live healthier, happier lives.


Meeting your diverse needs

Weve opened our first multicultural retail store in Sydneys World Square, with the intention of better meeting the needs of a rapidly expanding local Chinese community. Our customers really appreciate that we can deliver a personalised and more holistic healthcare experience that is mindful of cultural preferences, explains Store Manager, Alex Lau. The store was designed in line with feng shui principles and offers tailored health and wellbeing education sessions, translated in-store materials and multilingual staff for added support.

At Bupa, we pride ourselves on understanding what is important to our customers and developingservices to meet their health needs.

In 2012, we began the process of transforming our retail network so that we can offer our customers a better in-store experience under the one Bupa brand. We understand that many of our customers prefer to speak about complex healthcare issues in person and our in-store teams are on hand to discuss our health insurance products and health information.

The design of our new stores, such as Bondi in NSW, will have our innovative online health-related tools and programs available for customers to experience how Bupa is helping to make it easier for people to adopt healthier behaviours and sustain positive lifestyle changes. Many stores will also integrate our BLINK Optical stores to increase customers service and convenience.

OUR P E OP L E

GETTING TO KNOW YOU


Hospital 54% Medical 13% Prostheses 11% General 22%

Dental 51% Optical 16% Physio 9% Chiro 9% Other 15%

2012 BUPA AUSTRALIA AND NEW ZEALAND SNAPSHOT

3.4 $4.1b 39,656 1,162million members*

Total amount paid in benefits

Medical providers paid by Bupa

Hospitals paid by Bupa

11,133,080 971,294Extras claims a year Episodes/Admissions

to hospital a year

Total Claims Expenditure Extras Benefits

* Includes overseas visitors

Figures quoted are to 30 June 2012

All other figures quoted are for the 12 months to 31 December 2012


FIND A HEALTHIER

YOU

Helped more than

30,000people with chronic illness make better health choices through Bupa Health Dialog Completed over

34,000 corporate health checks

Admissions for delivery of a baby

26,126

Assisted

1,253members improve their heart health through The COACH Program

Supplied and supported more than

11,000New Zealanders with Bupa Medical Alarms

Initiated

67,430 online health assessments


WHAT WORKS FOR

YOUAt Bupa, we recognise that everyones health needs are different and so we offer a broad range of health cover options, programs and services to help you live a longer, healthier, happier life.

Being able to choose hospital cover and extras that meet the changing needs of my family at various stages of their life is important to me. Bupa offers me this flexibility.

OUR L E A DI NG PRODUC TS


With young children life is always full of surprises! It gives me peace of mind to know I can chose my doctor and get them treated quickly should the need arise.

Im getting older but I plan on living to a ripe old age so I need a health cover that fits my budget and needs. Bupa covers me for whatever the future holds.


Medibank 5.51%

Bupa* 5.88%

HCF 6.40%

HBF 5.91%

NIB 6.35%

Industry average 6.06%

* Across all Bupa's health insurance brands

OUR L E A DI NG PRODUC TS

As a leading international healthcare organisation, Bupa is obsessive about making healthcare affordable and accessible. In Australia close to three and a half million members enjoy the peace of mind that comes from knowing that Bupa has them covered.

We work hard to keep premiums affordable while continuing to provide new and better services. Our wide range of affordable health cover from Hospital to Extras, for Singles, Couples and Families, provides a choice of options to suit a variety of needs.

Our members enjoy the advantages offered through Members First, Australias largest provider network (as at 1 January 2013), which includes thousands of dentists, physiotherapists, chiropractors and optical outlets.

As one of Australias largest and most innovative private health insurance funds were proud that for the last 10 years across all our brands we have been able to keep our premium price rises below industry average.

Fit and back kicking goals

When Luke was carried from the footy field clutching his knee he feared the worst. I knew I had done some damage and the doctor quickly confirmed I had torn my anterior cruciate ligament, reflects Luke. His knee required reconstructive surgery and months of physiotherapy. I was so thankful to have health cover, it saved me a fortune and my surgery was done soon after the incident. Luke is happy to be back on his feet and pleased that Bupa had him covered.

Average premium increases

20032012

Hospital CoverHelps our members pay for in-patient hospital related treatments and generally enables them to choose their own doctor, hospital and treatment time.

Extras CoverCovers services where Medicare may not provide benefits including general dental, optical, physiotherapy, chiropractic and natural therapies.

Packaged CoverWe have taken what we know about the services utilised by our members to devise a range of packages that combine both hospital and extras cover.

Corporate CoverWe work with employers to create corporate health cover packages that are often subsidised by the company and viewed by employees as an integral component of their benefits package.

International coverWe have a range of health insurance options designed especially to suit the needs of international visitors and students, as well as expats going to live and work overseas.


BLINK Optical is focused on achieving better vision outcomes for all Australians and members visiting BLINK will receive higher benefits and obtain a range of eye health optometry services at no additional cost to them. Optometrists across our 24 Australian stores offer professional and personalised services and use the latest eye care technology. As owners and operators of BLINK Optical we are able to offer No Gap optical services and help reduce optical costs for our members.


Were focused on creating, supporting and developing innovative health-related programs and services for our members to assist them achieve their personal health goals.

DESIGNED JUST FOR

YOUOUR P ROGRAMS AND S ERVICES


I want someone on the other end of the phone to give me the right advice when I need it.

My children and I love the FoodSwitch app. They enjoy using the app and together we find it fun to locate healthier options on the supermarket shelf.


When Jack arrived it wasnt quite what Id expected, being a new mum was hard; thankfully Bupas Parent and Baby Wellbeing Program helped me get access to the right support and advice.

OUR P ROGRAMS AND S ERVICES


At Bupa, we believe all members deserve support to achieve and maintain improved health and wellbeing. Thats why we keep investing in new products, health programs and technological innovations that benefit our members.

Getting more out of life

Bupa Member, Geoff Russell, hasnt looked back after being referred by his orthopaedic surgeon to Bupas Integrated Osteoarthritis Management Program. Geoffs osteoarthritis combined with his excess weight were causing him major knee pain and making it difficult for him to do the things he had previously enjoyed. After completing the program Geoff has a new lease on life. He is 23kg lighter, healthier and has remarkably just completed a 10km fun run.

Parent and Baby Wellbeing ProgramThrough our partnership with the Parent-Infant Research Institute (PIRI) at Austin Health, we provide confidential consultation and support for parents with new babies to help them adjust to the exciting but sometimes overwhelming changes that come with parenthood.

The COACH Program

COACH stands for Coaching on Achieving Cardiovascular Health, a program we are proud to offer to members to help them manage their cardiovascular health. Our telephone-based coaching program assists people who have experienced a cardiovascular or stroke-related illness to achieve a healthier lifestyle and reduce the chances of another trip to hospital.

Integrated Osteoarthritis Management ProgramOsteoarthritis is a debilitating condition but our 18-week program which combines weight loss, muscle strengthening and pain management strategies assists people with hip and knee osteoarthritis to improve joint mobility, relieve pain and often reduce the need for surgery.

Genesis Heart CareBupa and Genesis Heart Care, Australias largest national network of privately practising cardiologists, assists people with cardiovascular disease to better understand their condition, treatment, available care choices with the aim of achieving better health outcomes.

We realise its important that members receive maximum value from their cover when theyre healthy, as well as when they need treatment. We offer a range of health programs and guides to assist our members to achieve and maintain better health and wellbeing. Our self-management programs, in conjunction with your doctor or health professional, provide up-to-date practical support and advice to help you get well and stay well.

18,410letters sent to new parents about the Parent and Baby Wellbeing Program


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We have developed a suite of easy-to-use apps to help assess and monitor your health and fitness and to help you stay motivated. In 2012 we launched two new apps Family Moments and our award winning FoodSwitch app, which is helping Australian shoppers to better understand the nutritional value of packaged foods.

Bupa FoodSwitchQuick Health Age Check

Fitness Family Moments Choosing a Care Home

iPhone, iPad, iTunes are trademarks of Apple Inc, registered in the US and other countries. App Store is a service mark of Apple Inc.


OUR P ROGRAMS AND S ERVICES

GIVING YOU THE RIGHT ADVICEBUPA H E A LTH D IALOG

Advice when you need it

Our health coaches are specially trained healthcare professionals who help our members to better understand their health condition and treatment options, assisting them to navigate the health system and enabling them to have more productive conversations with their doctors. We are more than just a ready ear, for many we are a healthcare partner and the additional support they need to achieve personal health goals. Working alongside GPs and other medical practitioners, I do all I can to assist our members and their families. Beth, Health Coach.

Bupa Health Dialog (BHD) invites members living with certain chronic conditions to develop a one-on-one relationship with a health coach.

So far, weve helped more than 38,000 people get started and stay motivated on the road to better health. Our unique telephone-coaching program is grounded in over 30 years of international experience and research and all our coaches are trained health care professionals.

We know that making decisions can be complicated when faced with a serious illness and evidence-based information is essential to better care. Thats why in 2012 Bupa has been working to localise for Australia Shared Decision Guides, a series of tools to assist people to better understand their treatment options, choose what suits their values and needs and navigate the healthcare system.

In 2013, we will continue to make progress with our current program offerings, expanding these to include services such as post-hospital discharge support, maternity support and online wellness initiatives. This means more people will be able to benefit from our program than ever before.


KEEPING YOU WELL AT WORKP E AK H EALTH M A N AGEMENT

Wellness is important to a healthy and productive workplace, which is why PEAK Health Management provides a broad range of services and innovative health and wellness solutions to corporate clients.

In 2012, as part of Bupas corporate health offering, PEAK continued to help organisations in Australia and their employees to find a healthier work/life balance through various workplace health and wellness initiatives. This included offering over 34,000 employee health checks; carrying out 1,000 diet consultations; facilitating 200 health seminars and workshops, administering 50,000 flu vaccinations, hosting 11 Corporate Health and Wellness Breakfasts nationally, managing 17 corporate gym facilities and launching three new premium corporate medical suites in Melbourne, Sydney and Brisbane.

In 2013, PEAK Health Management will continue to offer outstanding service under the new name of Bupa Wellness.


BUPA AGE D C ARE

WE UNDERSTAND YOUR NEEDSEvery year Bupa surveys Australians regarding their attitudes towards growing older. This helps us tailor our aged care services to meet their future needs. Our aim is to ensure everyone in our care is able to live the kind of life that best suits them at every stage of the ageing journey. We call it person-centred care.

Bupa BackyardMore than 30 of our care homes boast a Bupa Backyard that is familiar and reminiscent of the Australian lifestyle. Each backyard is designed to benefit all residents but they are particularly valuable for people living with dementia by encouraging them to engage in meaningful moments and to use their long-held abilities and memories.

Whether it be weeding the veggies or hanging out the clothes, these opportunities give a person with dementia purposeful things they can do and achieve and supports their sense of self. In 2012, the Aged Care Standards and Accreditation Agency awarded Bupa four Better Practice Awards; one of these was for our innovative Bupa Backyards initiative.

Bupa Care Services is very pleased to be the major corporate sponsor of Alzheimers Australia and Alzheimers New Zealand. With approximately 70 percent of Bupa residents living with dementia its a cause thats close to our hearts. We have also contributed $800,000 over three years (20112013) towards the National Quality Dementia Care Initiative which fast tracks research projects that have the potential to improve everyday life for people living with dementia. We are world leaders in dementia care and research and proud to be leading the way in developing the future of dementia care in Australia.


"Every day is full of interesting activities and conversations at Winara. Everyone is so lovely, I think of the staff as my extended family."

Thelma Simpson


We are committed to meeting the needs of the ageing population into the future and continue to look for new opportunities to strengthen our services and presence in Australia and New Zealand.

Choosing a care home

In December 2012, Bupas Choosing a Care Home app and booklet were released. Developed in conjunction with the Alzheimers Australia Consumer Dementia Research Network, they help take the stress out of choosing the most suitable aged care home by assisting consumers to search and compare facilities against quality criteria. The app and booklet guide you to assess care from a residents viewpoint based on your home visit experience.

Developing specialised nurses

Shyamli Veeran left her home country, family and friends to pursue a career in New Zealand. While working as a caregiver at Winara, a Bupa care home in the area of Waikanae, Shyamli completed the Competency Assessment Programme (CAP) and is now enjoying her new role as a Registered Nurse. Bupa Care Services New Zealand launched CAP to address the shortage of Registered Nurses across the industry. The program assists overseas nurses to gain registration from the Nursing Council of New Zealand.

Bupa Care Services are leading and award-winning providers of residential aged cares services in Australia and New Zealand. In New Zealand, our services also include assisted living for retirement village services, medical alarm services to older people and dependent individuals in the community and rehabilitation services to those with post-traumatic brain injury.

In 2012, Bupa Care Services became Australias largest private aged care provider, following the acquisition of Innovative Cares aged care operations, and we continue to invest in new home developments to meet the full spectrum of ageing consumer needs.

7,265residents in Australia and New Zealand

BUPA AGE D C ARE


When you move into a Bupa care home our carers make it their mission to get to know all there is to know about you. Together we create a visual display to celebrate your life story, incorporating family photographs and highlighting your likes and dislikes and even past achievements we call them Bupa Lifeboards.


WE'RE PART OF YOUR COMMUNITYAs part of our ongoing commitment to a healthier community we support a range of organisations, individuals, activities and initiatives to encourage Australians to lead active and healthy lifestyles.


BUPA I N YOUR COMMUNITY

National Volunteering Program

At Bupa we care for, and provide support to, the communities in which we operate and we also offer opportunities for our employees to contribute through our business practices and partnerships.

Every year, our people can use two days under our National Volunteering Program to support their chosen charity or community organisation. Volunteering encourages our people to learn new skills and gain a sense of purpose from giving something back to the community. In 2012, our people volunteered over 20 weeks of their time to activities including helping rebuild homes following the 2009 Victorian bushfires, assisting in childrens hospitals around the country and working with the elderly in Bupa aged care homes.

Teaming up with my colleagues to help rebuild homes certainly gives you a reality check and its great to help out a community in need.


Spending a day volunteering at one of our care homes was inspiring. It made me proud to work for Bupa.

The Special Olympics Football Week gives the kids an opportunity to be active and have fun. And we really enjoyed sharing it with them.


For Bupa, Corporate Responsibility and Sustainability means using our healthcare expertise in a way that is good for business and the communities where we work.

BUPA I N YOUR COMMUNITY

17,000+ $130,000+Number of cyclists participating in the 2012 Bupa Around the Bay

donations through our employee workplace giving program and other fundraising activities

Our partnerships enable us to connect with the community and hopefully inspire them to take the necessary steps to get active and start thinking about long-term health. We are proud to partner with like-minded organisations and events whose vision of supporting and encouraging healthier lifestyles through fitness and fun is closely aligned with our own.

Life Education In partnership with Life Education, we support programs that teach and complement school health education initiatives to primary and secondary school children.

Can Too Novices and experienced athletes receive professional coaching in community-based endurance running and swimming events and in return raise funds for the charity Cure Cancer.

Bupa Walk to Work Day The annual event encourages employers and employees to make regular exercise part of each day.

Bupa Heroes The inaugural Bupa Heroes Program allows for 100 children with an intellectual disability to participate in the Sanitarium Weet-Bix KidsTRYathlon series.

Very Special Kids We support Very Special Kids major fundraising initiative the annual Piggy Bank Appeal.

Brisbane Lions Football Club Through this partnership we have created the Bupa Little Lions, which encourages children to become healthy and active through the sport of AFL.

Australian Cricket Team Bupa is the official healthcare partner and preferred health insurance provider of the Australian Cricket Team.

Hawthorn Football Club Our partnership has seen us encourage Tasmanian school children to lead healthy and active lifestyles through footy clinics that visit schools, festivals and community centres.

The 2012 Santos Tour Down Under For over 10 years Bupa has been the major sponsor of this week-long cycling event, which showcases some of the worlds best cycling teams.

Bupa Around the Bay It's Australias premier mass-participation one-day cycling event.

Weet-Bix TRYathlon Over 14,000 Australian children had the time of their lives at the 2012 Weet-Bix Kids TRYathlon, where Bupa was a proud platinum partner of the event series.

Bupa SponsorshipsCommunity Partnerships


A perfect partnership

As the official health partner to the Australian Cricket Team we provide access to healthcare expertise from around the globe. Together, we are promoting good health and wellbeing. It is the perfect partnership. Sport and physical activity are key parts of a healthy lifestyle. With a young family I really appreciate the work Bupa is doing to encourage young Australians to get active. Its important for our childrens health today and in the future, says Mike Hussey.

Life EducationEmpowering children with the knowledge and skills to make good choices will help set them up for future success. That is why we have partnered with Life Education, a leader in delivering high-quality drug and health education to Australian school children. Together we aim to encourage children to learn how to make healthy, safe and positive lifestyle choices.

Each year over 620,000 primary and secondary children in 3,200 schools across Australia participate in a Life Education program. The All Systems Go module, created through a partnership between

Bupa and Life Education, teaches children about the workings of the human body in a fun and interactive way so as to encourage and promote a healthy lifestyle. We have also partnered with Life Education in developing the seven-day Bupa Family Challenge. In 2012 more than 1,600 families were inspired to get more active and improve nutrition while having fun together.

Bupa Walk to Work Day In Australia, physical inactivity is one of the top four preventable risk factors for disease. As part of our ongoing commitment to a healthier community, we encourage all Australians to participate in the Bupa Walk to Work Day. Besides doubling the risk of heart disease, stroke and diabetes, there is evidence that inactivity also increases the risk of bowel and breast cancer. Walking regularly is one of the best things you can do for your health and by walking to work or during your lunch break you are likely to be more productive and less likely to be absent or on sick-leave. Now in its 14th year, Bupa Walk to Work Day encourages people to take the positive step of building regular walking into their daily routines.

Bupa Around the Bay The 20th Bupa Around the Bay was held in 2012 and firmly established this iconic event as Australias premier mass participation one-day ride. With five ride distances it encourages people at all levels of fitness to get involved and shares our vision of encouraging healthy and sustainable lifestyles. In 2012 the event attracted over 17,000 participants, while raising in excess of $1.1 million for The Smith Familys work to help young Australians in need create better futures.


BUPA H E A LTH FOUNDATION

MAKING A DIFFERENCEToo often, good ideas never have the chance to make a difference. Through the Bupa Health Foundation we partner with great people with great ideas, and help to make those ideas into reality.


The Bupa Health Foundation is committed to making a difference by playing a leading role in the health system and generating new ideas and approaches that can improve the health of all Australians.

The Foundations work is directed towards partnerships that translate evidence into action, educate the community in health or invest in health programs that impact on policy and practice. In addition, work is focused on areas where there is an urgent need for new ideas to meet the challenge of providing high-quality healthcare.

Over the past seven years, the Bupa Health Foundation has supported over 80 initiatives and invested almost $19 million into health research and health programs across its five key focus areas: wellbeing, managing chronic disease, healthy ageing, empowering people about their health and promoting affordable healthcare.

WellbeingThe Foundation is supporting programs to encourage people to take up and maintain healthy behaviours at home, at school and in the workplace. The Foundation is proud of its range of health programs targeted towards encouraging younger Australians to get active and learn to enjoy exercise.

Chronic diseaseChronic disease is one of the biggest challenges facing health systems worldwide. The Foundation is partnering in projects that will help to tackle conditions like skin cancer and cardiovascular disease. In particular, work is focused on helping people to manage their conditions more effectively to help improve patient outcomes and reduce health costs.

Healthy ageingAustralias population is ageing at a rapid rate and will continue to do so in the coming decades. The health, independence and wellbeing of older people are becoming issues of increasing importance and priority for our communities. The Foundation supports a range of initiatives that aim to develop evidence-based knowledge that will help realise the potential of healthy ageing.

Empowering people about their healthAt Bupa, we recognise that if we are empowered with information and confidence we can take the right steps to look after our health. The Foundation is investing in work that empowers us in our health, focusing on where the need for empowerment is greatest, like in youth mental health, where information is key to getting the help required.

Promoting affordable healthcareThe Australian health sector is under increasing financial pressure from an ageing population, a rise in chronic disease, advances in health technology, as well as rising demand and consumer expectations of health services. Bupa Health Foundation is exploring health policy initiatives that may ease the financial burden on healthcare services and strengthen the sustainability of Australias mixed public and private health system. Minimising high-risk lifestyle behaviours and investigating preventative measures are also key ways to reduce potential health costs.

More and more, together with our partners, we are developing a reputation for innovative and pioneering work that will truly make a difference in the important objective of building a healthier Australian community.


As one of the largest corporate foundations dedicated to health in Australia, this year Bupa Health Foundation has provided around $3 million to important health research, health education and other healthy living programs.

BUPA H E A LTH FOUNDATION

Bringing dental care to remote regions

Without access to regular dental treatment, people in remote areas are less likely to care to preserve healthy teeth, says Dr John Setchell, General Manager of Health Services, Royal Flying Doctor Service. Having dental treatment available locally makes a huge difference in ensuring minor complaints dont create or exacerbate other health problems.

The Bupa Health Foundation partners with many leading health organisations and researchers and invests in initiatives that will deliver community benefits in our five key focus areas. Long-standing partnerships are held with many organisations that are leaders in their field including Alzheimers Australia, Cancer Council Victoria, Royal Flying Doctors Service and many Australian universities.

The Bupa Health Foundation has invested

$19 millionin 80 initiatives over the past seven years

The Foundation is committed to fostering and developing talented new health researchers in Australia. Its annual Emerging Health Researcher of the Year Award acknowledges the valuable contribution of new health researchers to the improvement of health outcomes for all Australians. In 2012, Health Award recipients were acknowledged for their work in advancing research in long-term health including in skin cancer, autism, mental illness, sleep apnoea and macular degeneration.


Pilot oral health program building healthier teethRoyal Flying Doctor Service and The University of AdelaideNo matter where you live we believe everyone should be able to access great healthcare and for the past 12 months we have given communities in remote parts of South Australia access to dental services through the Remote Oral Health Care Pilot program.

The two-year trial sees supervised final year dental and oral health students from The University of Adelaide flown in to provide dental services and oral health education to remote communities. Dental screening and simple treatments like fluoride application for children and those living with chronic diseases such as diabetes are also provided.

The program has revealed that young children in the remote communities were two-and-a-half times more likely to have cavities, missing or filled teeth when compared with their city counterparts. For some children seeking treatment had previously meant a full-day commute to the nearest dentist.

Initial results strongly reinforce the positive impact of a preventative approach and the benefits of enhancing oral health education. Encouragingly, four- to six-year-old children who received fluoride treatment have re-presented to the program six months later with no new cavities.

As well as providing much needed dental care to remote communities, the clinics also give final-year dental students valuable practical experience and encourage the development of remote dentists of the future.

Creating a national action plan for young AustraliansAustralian Research Alliance for Children and YouthWhen it comes to the wellbeing of Australian children and young people the evidence tells us there is a great deal more we could be doing to build a brighter future.

The Nest is a landmark initiative that will see the creation of a national plan for coordinated action that is aimed at improving the health, wellbeing and life opportunities of all young Australians (024 years).

Created through a partnership between Bupa Health Foundation and the Australian Research Alliance for Children and Youth (ARACY), a thorough evidence review and a national public consultation program has resulted in the creation of a national action plan for young Australians due for release in 2013.

The national plan will assist NGOs, business, researchers, governments and communities decide on what are the most important objectives and game changers for the advancement and wellbeing of all young Australians and implement the actions most likely to shape the best possible future for young Australians.

Online program to tackle pain managementAustralian and New Zealand College of Anaesthetists Faculty of Pain Management and Royal Australian College of General PractitionersChronic pain is a debilitating condition for over 3.2 million Australians often interfering with their ability to undertake everyday activities and live healthy lives. Disturbingly, its also estimated that up to 80 percent of chronic pain sufferers are not receiving effective treatment, which could help improve their quality of life.

In an effort to provide a more holistic approach to pain management the Bupa Health Foundation has partnered with the Australian and New Zealand College of Anaesthetists Faculty of Pain Medicine and the Royal Australian College of General Practitioners. Together, they have developed a new online program, which provides primary health care professionals with access to the best available evidence and tools in effective pain management.

The online program will be accessible by 20,000 General Practitioners and will be of particular importance to regional and rural health care providers who have limited access to professional development opportunities. Content will focus on a holistic approach to pain management and the importance of early treatment of acute pain to help prevent the transition to a chronic condition.

The Bupa Health Foundation has long been committed to addressing chronic pain. In 2008, the Foundation commissioned the first ever study to determine the true economic cost of persistent pain in Australia, which revealed a massive annual cost of $34.3 billion. Following on from this landmark study, the Foundation supported the 2008 National Pain Summit and subsequent development of the National Pain Strategy, the first comprehensive initiative in Australia to support improved assessment and treatment of all forms of pain.

The online education program is an example of how the Foundation continues in its advocacy efforts to influence more effective pain management for Australians.


THE BU PA JOURNEY

1930s 1940s 1950s 1960s 1970s 1980s

1934 HBA is established with four employees; sixpence for families and threepence for singles

1950 Bupas first major company-paid group scheme starts with the British Broadcasting Corporation (BBC)

Medical Benefits Fund NSW changes its name to Medical Benefits Fund of Australia Ltd; MBF is established in QLD

1961 HBA opens the first suburban branch, in Chadstone, Victoria

1981 Bupa (UK) opens its own first purpose-built hospital

1984 The government introduces Medicare

1989 Bupa (UK) acquires Sanitas, the largest private healthcare organisation in Spain

MBF commences operations in Victoria

Mutual Community merges with HBA

1971 Bupas (UK) first overseas business is established in Malta

1976 Bupa (UK) expands into Asia with the opening of our Hong Kong business

1954 MBF membership reaches one million

1956 HBA has 176 employees

Mutual Community has 126 employees. 1 million are paid out in benefits

1983 Bupa International launched to provide worldwide medical cover to people working outside their home country

1985 Bupas first nursing home opens in Milton Keynes, UK

1964 MBF reaches 100 million in annual benefit payments

1979 Bupa (UK) Foundation is established

1975 Bupa Hospitals is formed to expand private provision in the UK to support the private proposition

The government introduces Medibank

1937 Mutual Community is established; one shilling per families and threepence to sixpence for singles

1947 Bupa begins with 38,000 customers in the UK

MBF NSW opens for business

1946 The Medical Benefits Fund is incorporated in NSW


1990s 2000s 2010s

1990 National Mutual acquires HBA and Mutual Community

2001 AXA Health pays out $680 million in benefits

2003 Medical Benefits Fund of Australia Ltd changes its name to MBF Australia Ltd

2006 Bupa (UK) sets up a representative office in China

2012 Bupa PHI and Bupa Care Services brought together in Australia and New Zealand as one Bupa brand

Bupas global 2020 vision announced to make Bupa the worlds most trusted healthcare company

2011 HBA, MBF and Mutual Community come together as one brand, Bupa

1994 Bupa (UK) Dental Cover is launched, with 2,800 dentists

1999 Acquisition of Barbican Healthcare in the UK, later to become Bupa Wellness

2008 The acquisition of MBF makes Bupa the largest private provider of health insurance in Australia

Bupa (UK) acquired/purchased Cromwell Hospital in London

2010 Max Bupa launched in India, a joint venture between Bupa and Max India

ClearView sale and separation from Bupa Australia

One Fund merger of three private health insurance brands into a single health insurance fund, Bupa Australia

Bupa Australia acquires PEAK Health Management and increases ownership in Health Eyewear to 100 percent

Bupa Australia establishes Bupa Health Dialog in Australia

Introduction by Bupa Australia of a single health insurance and overseas product range

1993 MBF commences operations in South Australia

2002 Acquisition of AXA Australia Healthcare

Bupa becomes a major player in the Australian health insurance market

2005 Incorporation of MBF Living Well Foundation, then the name changed to MBF Foundation Ltd

2007 Bupa acquires Amity Group (now Bupa Care Services) in Australia and Guardian Health Care in New Zealand as a natural extension of our UK aged care specialism; acquisition of Health Dialog in the US

1996 New Bupa (UK) ventures include Bupa Ireland and Bupa Thailand

AXA acquires National Mutual


BUPA AU ST R AL IA G ROU P BU S INESS D IREC TORY

Registered offices of all Bupa Australia Group entities:600 Glenferrie Road, Hawthorn VIC 3122

Board of Directors, Bupa Australia Pty Ltd (As at 31 December 2012)Mr John Conde, AO, Chairman of the Board

Mr John Allpass, Chairman of the Board Audit Committee

Mr Dean Holden, Managing Director,Bupa Australia and New Zealand Market Unit

Professor Edward Byrne, AO

Mr Richard Humphry, AO

Ms Joy Linton

Mr Richard Bowden was a director during the year, until 26 October 2012.

Insurance business of the Bupa Australia GroupPrivate health insuranceOperated by Bupa Australia Pty Ltd (ACN 000 057 590)

Find out more about Bupa Australia at www.bupa.com.au

Overseas Student and Visitor CoverOverseas Visitor CoverBupa Australia Pty Ltd (ACN 000 057 590)

Overseas Student Health CoverBupa Australia Pty Ltd (ACN 000 057 590)

Travel Home Car insuranceTravelCGU Insurance Limited (ABN 27 004 478 371) (CGU), offered through Bupa Australia Pty Ltd (ACN 000 057 590), as Authorised Representative of CGU

Home/CarCGU Insurance Limited (ABN 27 004 478 371),offered through Bupa Australia Pty Ltd (ACN 000 057 590)

Health Services businesses of the Bupa Australia GroupBupa Health DialogBupa Health Dialog Pty Ltd (ACN 142 900 472)

PEAK Health ManagementBupa Wellness Pty Ltd (ACN 145 612 951)Trading as PEAK Health Management,PEAK Health Group and PEAK Corporate Health

BLINK OpticalTrading as BLINK Optical and BLINKBLINK Optical (Bupa) Pty Ltd(ACN 126 819 154)

FoundationBupa Foundation (Australia) Limited(ACN 113 817 637), a registered charityTrading as Bupa Health Foundation


www.bupa.com.au

HEALTHCARE THAT’S RIGHT FOR YOU - bupa.com.au and Wellness... · Max Bupa, a joint venture with...

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Transcript of HEALTHCARE THAT’S RIGHT FOR YOU - bupa.com.au and Wellness... · Max Bupa, a joint venture with...