AUL HY2023 Investor Presentation

• HY2023 operational review cont. COVID-19 support measures • • Australian Unity Real Wellbeing Impact of the COVID-19 pandemic continued to be felt across the Group's businesses despite a general return to a more normal operating environment, following the unwinding of most of the COVID-19 pandemic restrictions Responded throughout the pandemic by maintaining, and where possible improving, levels of service and responsiveness to the needs and wellbeing of members, customers and employees, while pursuing efficiency measures to mitigate risks and curtail expenditures. This focus remains in place Announced the planned deferral of the implementation of the 2023 premium increase for private health insurance (PHI) policyholders from 1 April 2023 to 1 November 2023 in recognition of the impact of cancelled, suspended and postponed healthcare services, thereby passing on a further $19m in COVID-related support. After the deferral period, this will take the total value of support to PHI members to some $85m since the start of the pandemic Prior-period measures across Australian Unity's businesses included the provision of premium relief through the application of ‘premium-free days'; the implementation of a range of ancillary product benefit improvements; a six-month deferral of the 2020 premium increase; a low, relative to the sector, 2021 premium increase; cover for COVID-19 related hospital admissions; a range of telehealth services; and earlier concessions from banking loans in 2020 Also continued to respond to COVID-19 related impacts within the Residential Communities portfolio, and continued to implement additional measures to seek to protect aged care residents, home care customers and the employees who support them. This included increased costs of additional personal protective equipment (PPE) and related consumables; and the expenditure of $4.9m on agency staff within Residential Communities AUL HY2023 Investor presentation 9

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