eHealth at Allianz Worldwide Partners Jerusalem, June 29, 2015

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As Allianz we are …

All figures as per December 31, 2013

servicing over 83 million customers in over 70 countries

among the top 30 of the world’s largest corporations based on revenues

among the largest insurers based on market cap

the leading property-casualty insurer globally

among the top 5 in the life/health insurance business

the worldwide leader of travel insurance,

assistance services and personal services

the leading strategic partner to the automotive industry,

serving over 40 car brands in more than 25 countries

the global leader in credit insurance

one of the largest asset managers in the world

among the top 5 in the industrial insurance business

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• Insurance for Travel and Automotive (e.g. travel,

service and emergency call, road side assistance)

• Assistance for Travel, Automotive, Home, Health

(e.g. travel assistance, home assistance)

• Health services for health insurers, corporations

and public institutions (e.g. Medi24)

• International health cover for expatriates and

travelers

• International accident, disability, life and assistance

covers

• Expatriate/ traveler services

• Motor insurance and adjacent products via B2B2C

(e.g. motor cover, roadside assistance, guaranteed

auto/ asset protection (GAP), payment protection

insurance (PPI), extended warranty)

Companies and scope Main Offers

~11.000 employees

28 operating countries

Helpline in 40 languages

Extensive partner network

650 employees

Helpline in 7+

languages

Extensive

partner network

150 employees

+ local AZ OEs

28 operating

countries

Common

global

platform

Auto-

motive/

Assis-

tance

bundles

Int.

Health/

Services

bundles

Allianz Worldwide Partners at a glance

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AWP | Allianz Global Assistance: who we are

135 correspondents

worldwide

1 action every

2 seconds

180 countries

covered

24/7 assistance

10 000+ employees

40 spoken

languages

600 medical

coordinators

150 doctors

300 nurses &

paramedics

1,050+ highly

skilled people

dedicated to medical

• Prevention & disease management

• Tele-advice / triage services

• Second medical opinion

• Medical screening

• Tele-assistance

• Health TPA

• Students travelers

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Healthcare markets are developing fast…

Hospitals

• Need to optimize occupancy and

revenue per patient

• Outcome-based payments and

penalties on re-admission are a

challenge

Ambulatory / Outpatient services

• GPs distributed unevenly across the

countries, concentration in cities

• Access to specialty medicine is difficult

• Telemedicine is evolving

Pharma

• Outcome-base payment requires

patient-centric measurement and

services (cross countries & even

internationally)

Tech/ Tele health providers

• High investment and M&A activity, high

revenue multiples paid

• Some consolidation in the market,

driven often by payers

Insurers/ Payers

• Differentiation important to attract

good risks or to better existing risk –

using health management services

(e.g. Vitality)

• Urge to control/contain claims cost by

adding features /steering mechanisms

to tariffs (e.g. patient journey mgt.,

drug observance, treatment

efficiency)

• Positioning towards „health insurance“

(vs. sick pay fund)

Employers

• Control health cost inflation (e.g.

offering medical Triage)

• Invest in occ. Health to retain

employees (e.g. importance of

corporate benefits in China)

Patients

• Trend to „quantified self“ and more

responsibility for own health

• Increased co-pay in healthcare

• Trend to online and instant interaction

Supply Demand

• move towards outcome-based payments – thereby creating

new incentives for providers (e.g. ACO in US)

• push for co-pay by corporates and patients and to distribute

burden (e.g. ANI in France)

• push for prevention measures to move spending away from

„diseases“ to early stage (e.g. prevention law in Germany)

• push for re-imbursement and legal admittance of tele health

services

• Push for unified electronic patient standards/records across

payers/providers

Regulators

• Ubiquitous connectivity enables widespread usage of

telehealth applications

• Cost of devices/hardware decreasing and battery life

increasing enables broad adaption

• Vast innovation in devices and applications enabled by

heavy investment value

• However, device-only business models do not generate

enough retention (very fragmented market)

• Predictive data models still immature but identified as core

capability in future healthcare

Technology

Tele health

market

drivers

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Wellbeing /

Prevention

Out-patient /

Ambulatory Care

Inpatient /

Hospital Care

…and thereby open opening a lot of value creation opportunities

Disease

Management

• Public Payers & Corporates increase prevention spend

• Prevention used as differentiation tool by private payers

• Patient co-pay and “quantify self” support programs

• Device-based services (Device-only retention does not work)

• Manage chronic patient ecosystem to avoid acute episodes

• Optimize treatment through Patient follow-up and

Observance programs

• Exploit Big Data and develop predictive algorithms

• Mitigate the risk of penalties for patient re-admission

• Support to HC providers to move to outcome-based pay

• Reduce Waste in out-patient system (e.g. people go to multiple

GPs and / or retake same tests, exams)

• Develop solution to increase GPs reach and facilitated

access to specialists

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Patient Centric Service Approach

… which we translated into an aggregation approach

What’s in it for B-client?

Outpatient / Ambulatory Care

- Medical Advice / Triage

- Network Steering

- Telemedicine

Inpatient / Hospital Care

- Hospitalization preparation

- Post discharge services

- post-discharge Tele-monitoring

Wellbeing / Prevention

- Heath coaching

- Corporate Benefits

- Medical Risk Evaluation

Disease Management

- Chronic Patient Health Ecosystem Management

- Specific programs (e.g. diabetes, hypertension…)

Medical Protocols

Data Analytics

Payers

- Improved quality and efficiency (claims

cost) of care by managing patients along

care pathway

- Differentiated products by innovative care

approaches (e.g. telemedicine, prevention)

- Better manage the health condition of the

populations they cover

Providers (e.g. hospitals)

- Better support patients after they have

been discharged

- Reduce readmissions

- Ensure optimal use of staff with

Telemedicine

Employers

- Improved employees’ health condition

and productivity, reduced absences

- Optimal use of different care solutions

- Better support, reward and retain

employees

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TRIAGE

PLATFORM

EMERGENCY

Emergency Dispatch Process

MEDICAL ADVICE

no particular immediate action

NETWORK STEERING

Network Steering Process MEDICAL HOME VISIT*

Home Visit Dispatch Process

Prescription

Group

Medical

Triage

Software

Service

Care Access

Nurses (L1)

Doctors (L2)

Symptoms

Recommendation

Medical

Diagnosis

Medicine

delivery

Laboratory tests

Example: Patient Journey Management

Triage

Home Visit

SECURE HOME

Outbound Calls

Secure Home

Propose it to

Target Segment

Organize the

inspection

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Differentiators

Digital and Personal

Delivery

Example: multimodal prevention programs

Prevention programs

App

Devices

Personal

Coach

Back Pain

Heart Health

Stress/ Burn Out

Customers

Occupational health

Healthcare payers

Healthcare providers

Reduce absence

Increase productivity

Augment employer

branding

Lower costs

Enhance services

Improve treatment

Lower claims cost

Augment service

offering

Amplify customer

retention

Personal

+

+

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Prevention: sustainable change of lifestyle based on

medical protocols

Defined protocols

with variation in

intensity related to

user needs

Sustainable

change of

behavior

Weight / BMI

Incident area Therapeutic

approach

Coaching

intensity

Hypertension

High Cholesterol

Nicotine misuse

Activity

Nutrition

Motivation

Capability

Knowledge

Standard group

Hig

h r

isk g

rou

p

Triage

Sustainable

change of

behavior

Defined set of outbound calls

Inco

min

g u

se

r/e

mp

loye

es to

PH

S p

rogra

m

(=1

00

%)

12 wks

program

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Allianz Worldwide

Partners helps

every 2 seconds