The Generali Mobile Health Plan

Local protection, global connection

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Presented by Craig Cornwell – Corporate Mobile Benefit Unit

What are the 3 most important attributes of an insurer?

1.Service2.Service3.Service

Service is required for:

- Policy issuing - Plan set up - Claims handling - Client Management- And of course, our service to you!

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3

Our Values

Innovation: Leads to us continuously searching for new and improved solutions to benefit our clients

Flexibility: That allows every member of the Generali group to capitalise on change. We always remain open to fresh ideas and adapt to suit each and every client we work with.

Reliability: We consider ourselves to be a trusted resource in an ever-changing market.

Professionalism: Driven by a strong commitment to keep improving our knowledge and technical expertise to assist our clients wherever and whenever we may be needed.

Passion: Which is at the very heart of everything that we do

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Leading insurer Founded in 1831 ; Largest European Life Insurance company 2011: € 70 billion GWP (70% Life - 30% Non Life )

International player

Presence in > over 90 countries ; > over 85,000 employees ; > 70 million clients

Historical leader in Italy ; Top-tier presence in all key European markets Strong presence in emerging markets (CEE & Asia) Over 40 of the top 100 companies listed in the Fortune 500 list are insured

with Generali

Multi distribution Traditional: agents & brokers, tied sales force Alternative channels: Banc assurance, IFAs & Direct clients

Strong capital base

Strong rating from key agencies (S&P’s: A ; AM best: A ; Fitch: A-) ; S1:132% ; S2: 141%

Some statistics for you

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The Generali Advantage

• Comprehensive plan design

• Worldwide, Worldwide Excluding USA

• Optional benefits for cost management

• Annual Limits of €1.5million, €2.5million

• Medical History disregarded as standard

• Online claim submission and claims look up

• Hospital finder and document download section

• Local regional services centres for claims handling

• Global presence with a long history

• Well respected leader in insurance, long-term financial stability

• Full range of coverage's including Health, Life, Disability & Pension

• Global captive or pooling arrangements

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In-patient Care

Alternative Therapies, Chronic Conditions, Oncology, Aids & HIV, Psychiatric and Counselling, Hospice & Palliative & Accidental Dental

Out-Patient Care

Alternative Therapies, Chronic Conditions, Oncology, Speech Therapy, Durable Medical Equipment, Psychiatric and Counselling and Hospice & Palliative

Routine Health Management

Routine Health Checks, Hearing Checks, Cancer Screening, Pap Smear Tests, Well-Child Examinations & Vaccinations all as standard

Maternity BenefitsC-Sections Emergency & Elective are covered, Congenital Conditions all as standard

Evacuation & RepatriationGround & Air Transportation, Clinical Escort, Repatriation of Mortal Remains

Dental (Optional)Routine Dental, Basic & Major Restorative, Preventative & Orthodontics

Vision (Optional)Eye Exam, Prescribed Glasses & Prescribed Contact Lenses

Cost Management (optional) Deductible Variations & Co-Pay Options

Highlighted benefits in addition to our standard benefits

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Clear and concise documentation

Strong Claims Processing: fast, accurate claims payment

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• Centralised IT / Experts & High Values

• 1 central Hub • High Value Claims Payments• Premium Collection• Technical Data warehouse• Network Management• Service 24-7 / 365• Toll Free numbers available• Online interactive claims submission• Document download area and

hospital / facility finder

• Experienced claims processors • find bill errors and fraud• Most claims paid within 5 days• Ability to pay or reimburse in

policy or local currencies• Accurate adjudication against

policy and application of contracted or discounted rates

• Negotiations and bill audits as required

• Integrated cost containment leveraging information from medical management, networks and prior history

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MINOR OUT PATIENT CLAIMS

Visit to a GP or to a specialist

Cashless or pay-out of pocket

For out of pocket expenses. Back home, connect on CMN© web

portalUpload the invoice, the receipt of payment and any other supporting

documents

Claims adjudication

Check on line the status of

his / her claim

Agreement for payment and payment

BENEFICIARY CMN

Admission to the hospital

Emergency: control of eligibility

Programmed treatment: checking the pre-

authorization

Case management by coordinators with nurses and medical doctors in direct relation with the

medical provider

Invoices controlsInvestigations

BENEFICIARY EA / CMN GCS

IN PATIENT CLAIMS

Agreement for payment and payment to the

provider directly

Processes simplified

24 Hour management and customer service

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24/7, 365-days-a-year access to multilingual case management and customer service teams

Process, benefits and claims enquiries Over 22 nurses and 3 doctors providing

medical management Medical Precertification to ensure

appropriate utilization Steerage of patients, pre-authorizations,

coordination of admissions, monitoring of treatment, patient support

Global coverage for clients and their beneficiaries

Manage eligibility and policy considerations Support emergency, routine and planned

tertiary care Strong patient care while managing costs Rapid response improves outcomes and

ensures appropriate care levels and locations

Web Portal Services & Online Claiming

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Before During After

ADVICE ON HEALTH & SECURITY

RISK MANAGEMENTSERVICES

MY HEALTH PLAN & COVER

FIND A PROVIDER

PRINT MY ID CARD

H24 EMERGENCY CENTER

CUSTOMER SERVICE

NURSE HOTLINEVIRTUAL DOCTOR

SUBMIT A CLAIM

MY CLAIM HISTORY

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Thank you

Craig CornwellHealthcare Business Development Officer

Generali Employee Benefits149, Avenue Louise1050 Brussels, BelgiumEmail cornwell@generali-international.beTel +32-2- 535- 71- 78Mobile + 32-491-72-22-61