Part A – Product Disclosure Statement

Hollard is solely responsible for the PDS and is the insurer under each Medibank Pet Insurance policy issued. PetSure provides policy administration and claims services in relation to Medibank Pet Insurance on behalf of Hollard. Medibank Private is authorised by Hollard to promote Medibank Pet Insurance as its authorised representative.

Where words or expressions used in the Policy Terms & Conditions have a special meaning, we have used the same terms in the PDS. They normally begin with capital letters and their meaning is explained in Section 1- Definitions in Part B of this booklet. In the PDS, references to:

• we, our and us and Hollard, means The Hollard Insurance Company Pty Ltd.
• you, your means the applicant for a Medibank Pet Insurance policy and, if a policy is issued, the policy owner.

This PDS contains important information about:

Types of membership available and who can be covered

OSHC offers two types of membership:

• Single membership, which covers you (the student) only
• Family membership, which covers you (the student), and your Spouse and/or Dependent Children.

A Dependent Child is not eligible to remain on an OSHC Family Membership from the date of his/her eighteenth (18th) birthday. Members with OSHC may not be members of any other Medibank Private hospital cover. They may, however, purchase an additional Medibank Private ancillary (or ‘extras’) cover. Please contact us if you would like further information about our ‘extras’ cover options.

Short course students
If you come to Australia on a visitor visa to undertake a short course of study (three months or less), you are not eligible to purchase OSHC. To discuss our Visitors Cover options, please visit a Medibank store or call 132 331.

Reasons for dentistry:

• Horses have hypsodont teeth which means that their teeth develop from a tooth bud to a set length and then grow no more. Unlike human teeth they have a large amount of reserve crown which is housed within the bones of the upper and lower jaws.
  These teeth belonged to a 4 yr old and show the reserve crown that will last a life time.
• Sharp enamel points on the inner edges of the lower check teeth and outer edges of the upper check teeth result in dis-comfort, especially in a bridled horse and lead to lacerations and abscesses along the cheeks and tongue.
• The teeth are designed to erupt at the same rate as they are worn. Problems arise from teeth that have no opposition as they hyper-erupt and become dominant so upsetting the balance within the mouth, causing dis-ruption to function and discomfort. These problems left unchecked, can cause some horrific consequences, even in relatively young horses. This photo was taken from an 8 year old miniature!

What does the HP Tablet PC offer for health care?
Tablet PCs allow health care professionals of all levels to be more efficient and accurate in their day-to-day activities by enhancing their ability to perform a variety of tasks, both at their desks or on the go.

Examples of activities that can be improved include:

• Collection and Integration of Patient Data
• Patient Record Retrieval, Review and Collaboration,
• Meetings
• House calls and patient bedside visits
• Wireless interaction among staff and physicians

These activities all involve basic tasks, which are made easier by the HP Tablet PC. Some examples are:

• Completing electronic forms or “writing” prescriptions
• Taking progress notes in handwriting that can be converted to printed text
• Adding handwritten notes to charts and images
• Integrating several reports, such as tests and treatment plans, into one document

KNOWING THE BASICS
Physical fitness is most easily understood by examining its components, or “parts.” There is widespread agreement that these four components are basic:

• Cardiorespiratory Endurance – the ability to deliver oxygen and nutrients to tissues, and to remove wastes, over sustained periods of time. Long runs and swims are among the methods employed in measuring this component.
• Muscular Strength – the ability of a muscle to exert force for a brief period of time. Upper-body strength, for example, can be measured by various weight-lifting exercises.
• Muscular Endurance – the ability of a muscle, or a group of muscles, to sustain repeated contractions or to continue applying force against a fixed object. Pushups are often used to test endurance of arm and shoulder muscles.
• Flexibility – the ability to move joints and use muscles through their full range of motion. The sit-andreach test is a good measure of flexibility of the lower back and backs of the upper legs.

Vitamin C has become popular because of its role as an antioxidant, which potentially offers protection from some diseases and degenerative aspects of aging. But there can be too much of a good thing. Taking too much vitamin C can cause side effects such as nausea and diarrhea.

How much is enough may be a difficult question to answer. The Food and Nutrition Board of the National Academy of Sciences is revising its current recommendations for vitamin C intake. In the April 21, 1999, issue of JAMA, experts at the National Institutes of Health suggest that the current recommended dietary allowance (RDA) of vitamin C should be increased from 60 mg to 100-200 mg daily. They emphasize that whenever possible, the vitamin C should come from fruits and vegetables, and that people can get the recommended amount by eating 5 servings of fruits and vegetables daily.