COMPANY PROFILE

A member of the Pacific Cross Group of Companies

Experience Matters

SAWASDEE

Experience MattersPacific Cross International Company Limited has over 45 years of health insurance experience in Asia and has been past and present owners of several reputable health insurance companies (Blue Cross Insurance Inc. in

the Philippines; Blue Cross in Thailand and Hong Kong)

We are a member of the Pacific Cross Group of Companies, Asias pre-eminent health and travel insurance specialist, our first involvement in Thailands health insurance market was in 1980 with the granting of our first

license. In the 1980s, we established Blue Cross Thailand and that business was acquired by BUPA in 1996. We re-entered the Thai market again in 2001 as Med-Sure Services Limited, managing the administration of

health/travel insurance policies first in partnership with Nam Seng Insurance and then from 2005 to the present period of time with LMG Insurance under the brand LMG Pacific Healthcare.

Pacific Cross Health Insurance PCL is Thailands newest registered Health/Travel/Personal Accident insurance company, but is at the same time Thailands most experienced health insurer, and the same group of companies

that has been the administration partner behind health and travel insurer LMG Pacific Healthcare since 2005 (we are the Pacific in LMG Pacific Healthcare).

Late in 2013 and with support from the Thai insurance regulator the group acquired a controlling stake in the registered health insurer Borirak Insurance PCL. This business has since been recapitalized by a further US$2

million, relocated and consolidated into new premises in Chartered Square, North Sathorn Road, Bangkok. A new and highly competitive set of products have been designed and approved. The company has been re-branded

and launched as Pacific Cross Health Insurance PCL from September 2014.

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1971Hong Kong

1976Philippines

1980Thailand

2008Vietnam

2010Indonesia

2013Cambodia

Next..Myanmar

1990Samoa

THAILAND

SAMOA

VIETNAM

CAMBODIA

HONG KONG

INDONESIA

PHILIPPINES

OUR GROUP OF COMPANIES

Solvency Positions

Company Name : Pacific Cross Health Insurance PCL

Registered Capital : 365,000,000 Baht

Paid-up Capital : 365,000,000 Baht

Type of Share : 3,650,000 Ordinary shares at par valve of 100 baht per share

Securities : Common Stock

Reinsurance Treaties : Gen Re (a member of the Berkshire Hathaway Group)Remark : Unaudited Position December 2014

203%

300%317%

0%

50%

100%

150%

200%

250%

300%

350%

0

10

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40

50

60

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80

90

100

Oct Nov Dec

Availble Capital RBC Sovency Ratio

140% of Minimum requirement

Our VisionA world in which health, personal accident and travel insurance advice and guidance is easily accessible with

simple, convenient and easy to understand policies. A world where our customers choose how and when they

interact with Pacific Cross Health Insurance PCL.

Our MissionHelp customers across all age segments with making informed decisions when purchasing insurance and

building solid working relationships with all intermediaries and policy holders across all distribution channels.

Our Business Strengths Proven success in the health insurance market over many years.

Solid working relationship with an ever growing network of hospitals throughout Thailand over 300

Experienced management team of motivated professionals that are focused on delivering value to

all customer segments

Comprehensive and affordable health coverage without compromised coverage across the various

levels of available plans

Proud history dating back to 1980 in SE Asia

Educated staff with extensive product knowledge

The Pacific Cross team is responsible for developing the distribution channel that supports brokers, agents

and intermediaries wishing to introduce and support customers health insurance needs.

Policy types suit clients at various life stages and preferences for the purchasing of health, personal accident

and travel insurance plans. Our business offering allows customers this freedom of choice without compromising

product knowledge or customer service.

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Our ProductsVarious Health Insurance Plans are available for client requirements. With a hospital network more than 300 that you can conveniently access.

1. Individual Health Insurance

1.1 Lifestyle Series Plan

The most comprehensive medical insurance packages available in the market. We offer worldwide coverage

24/7. With our coverage and competitive premiums that covers actual medical expenses both inpatient and

outpatient with lifetime maximum limits of up to 200 million Baht and choices for discount and annual deductibles.

There are 9 different plans to meet yours different requirements.

1.2 Personal Accident Insurance

Introducing two new personal accident plans that provide reliable, easy to understand cover in the unfortunate

event of accident, injury or death. The Smart Plan offers highly effective coverage with modest, affordable

premiums. The Exclusive Plan provides extended levels of coverage a highly personalized plan that still

operates at very reasonable premiums. Available to applicants aged 18-75 years. Medical examination or

personal health statements are not required.

Standard PlanStandard Plus Plan

Standard Extra Plan

Maxima PlanMaxima Plus Plan

Premier PlanPremier Plus Plan

Ultima PlanUltima Plus Plan

LIMITED COMPREHENSIVE

BUDGET PREMIUM

PRODUCT FEATURES

PRODUCT COST

300

1.

1.1

200

9

1.2

2

18 -75

2

2. Group Health Insurance

A competitive employee benefits program is an important aspect in retaining and attracting the very best staff, as well

as providing them with peace of mind in the event an accident, illness or disability ensuring that your staff are properly

protected. In our business of health insurance we have many years of experience helping companies run their employee

welfare schemes effectively and efficiently, from fledgling start-ups all the way up to international organizations with

many thousands of employees in different locations. The options available include covers for :

2.1 Small and Medium Sized Enterprises

Here you can start an employee group with as few as 3 principle members. These plans generally tend to have

limited levels of coverage to choose from with benefit limits varying from THB 100,000 up to THB 600,000 of inpatient

coverage per injury or disability. In addition to the standard cover, there are options to add additional benefits to the

scheme such as :

Outpatient treatment for routine visits to the doctor

Maternity benefit for female members of staff

Major medical cover, which pays 80% over and above the base plan

2.2 Larger Group

For groups comprising 50 members and over, you can generally define your objectives, plan and implement an employee

benefits solutions to suit your business requirements and budget. From our perspective we know only too well that if

employee benefit programs are not properly implemented, monitored and controlled, the costs of running them can

escalate quickly and soon become a real financial burden on any business.

We believe that it is important to work with companies to help manage their employee benefits, ensuring that the available

financial resources are used sensibly, enhancing employee benefits and the overall welfare of both the employee and

the company. An insurers and brokers service should include the topics listed below; although these vary according

to those involved as components of the plan ultimately adopted, do reflect vested interests of company personnel in

the structure of a plan :

Employee benefit plan designs and implementation

24/7 Emergency Hotline staffed by bi-lingual medical professionals, specifically trained to handle emergency

situations

Access to a wide network of hospitals and clinics throughout Thailand

Provision of Employee Benefit Plan documentation including Membership Handbook and Medical Cards

Case management in the case of serious or long-term illness

Regular management reporting of claims to ensure that decision makers are kept informed

Cost containment advice and strategies to assist you control costs through misuse or indiscriminate use

of benefits

2.

:

2.1

3

100,000 600,000

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80 %

2.2

50

; :

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3. Travel Insurance

Health care and personal accident package for traveling abroad, with 24 hours Emergency Assistance to

ensure your confidence. We offer 5 plans to meet your different needs. Additional benefits are available.

All Outbound Travel plans are Schengen countries qualified.

3.

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24

200

KEY FEATURES

24 Hours Worldwide Emergency Treatment Coverage

Broad and flexible Health Insurance Benefits

(up to THB 200,000,000 Benefits)

Guarantee Renewability

Your Choice of Discount Options

Substandard Risks Considered

Our Culture & PeopleAt Pacific Cross, we believe our people are our greatest asset and strength. Our head office team consists of a diverse

mix of people from across Thailand and several foreigners working together to achieve the common goal of business

excellence. For more information about health, personal accident or travel insurance or about what Pacific Cross Health

Insurance has to offer, you can find out more on our website at http://www.PacificCrossHealth.com.

www.PacificCrossHealth.com

When it comes to health and travel insurance, always remember...Experience matters

Pacific Cross Health Insurance PCL152 Chartered Square Building 21st Floor,Room 21-01, North Sathorn Road, Silom, Bangrak, Bangkok 10500

Tel : 02-401-9189 or 02-401-9160 Fax : 02-401-9187 or 02-401-9161Email : contactus@th.pacificcrosshealth.com

()152 21 21-01 10500

: 02-401-9189 or 02-401-9160 : 02-401-9187 or 02-401-9161 : contactus@th.pacificcrosshealth.com

Find us here

Rev. JAN/2015

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A member of the Pacific Cross Group of Companies