Investor Presentaiton

Glossary Reform that allows adult dependents to remain on their parents private health insurance policies until they turn 31 Policyholder Term Definition Term 1H Six months ended/ending 31 December of the relevant financial year 2H Six months ended/ending 30 June of the relevant financial year Adult Dependent Reform APRA bps Downgrading FY Health Insurance Hospital Lives Live Better Members Choice Advantage MER Non-resident PHI PHI Australian Prudential Regulation Authority Basis points (1.0% = 100 bps) The difference between the average premium rate rise and revenue growth per policy unit Financial year ended/ending 30 June Includes both resident and non-resident The number of people in Australia who are covered by resident private health insurance hospital product A Medibank program to inspire people to lead a healthier and happier lifestyle, with tools and rewards (for eligible members) to motivate people An enhanced network of ancillary providers where customers can enjoy better value on eligible extras services. Includes dental and optical providers, physiotherapy, chiropractic, podiatry, acupuncture and remedial massage Management expense ratio Overseas visitor, working visa and student health covers Private Health Insurance PSEUS or policy units Definition medibank The primary person who is insured under a private health insurance policy (other than in relation to overseas students or visitors), who is not a dependent child, and who is responsible for paying the premium Policy Single Equivalent Units are used by Medibank as a standard measure of income units. They take into account the number of adults on a policy, and whether they have Hospital Cover or Extras Cover or both. For example, a household with two parents and three children, all of which had both Hospital and Extras Cover, would represent four policy units (2 adults x 2 types of Cover = 4). This measure includes residents and non-resident policies and only adult insureds are typically counted in the calculation of PSEUs Resident PHI Hospital and/or extras cover for a compliant health insurance product Service net promoter score. A measure of the likelihood of an Service NPS existing customer to recommend the brand immediately following a service interaction 13

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