The Customer Experience

www.iirme.com/healthcareinsurance

� The corporate perspective

� Improving provider relationships

� Addressing population health and wellness

� MENA compatibility within policies

� Niche opportunities in a competitive market

� Accelerate ROI via cost containment

� Workshops

• Disease Management

• Medical Tourism - Centers of Healthcare Excellence

• Coding

• Healthcare Fraud Typology

WHAT’S NEW FOR THIS YEAR?

REGISTER BEFORE29 DECEMBER 2013 AND SAVE US$1,190

26-29 January 2014 • Dusit Thani Hotel, Dubai, UAE

- Gain a 360 degree perspective: Payer - Provider - Buyer - Corporates

- Relate Insurance payouts to wellness and population health

- Assess a future revenue stream – Medical Tourism

- Identify the niche differentiator for profitability in a competitive market

- Align cost containment to a progressive business agenda

- Optimise performance via data utilisation in RCM

- Implement a fraud control process within payouts

See inside for more…

FORUM HIGHLIGHTS EXPERT SPEAKER FACULTY

Gerhard BeckerFormer Managing Director

University Hospital Dusseldorf

Germany

Husein RekaManager Health Insurance,

Supreme Council of Health Qatar

Linda van DijkDirector Medical Strategy & Development department

DAMANUAE

David T YoussefCEO

Now HealthUAE

Dr Sven RohteChief Commercial Officer

DAMANUAE

Imane AlaouiBenefits Manager, Middle

East, SchlumbergerUAE

Dr Cother HajatAdjunct ProfessorUAE University

UAE

Feryal Kazim MDExternal Insurance

ConsultantUAE

Husam Majali MDMarket Access Lead – Private

Insurance and PricingMerckUAE

Karen Carbone MD MBA Group COO Medical

OperationsSEHAUAE

Paul VinckeManaging Director, European

Healthcare Fraud and Corruption Network EHFCN,

Belgium

• Ghazal Siddiqi, Head of Provider Management, Supreme Council of Health, Qatar

• Mary Shuab, Former Director Revenue Cycle Management, HAAD, UAE

• Rasha Moukayed, Manager - Life & Medical, Guardian Insurance Brokers, UAE

• Renée-Marie Stephano, JD, President, Medical Tourism Association, Chief Editor, Medical Tourism Magazine, USA

• Sarry Al Buraik, Advisor to CEO, King Fahad Medical City, KSA

and many more…

#HealthcareInsuranceME

Organised ByPlatinum Sponsor

Dear Insurance Executive,

Insurance privatisation is a new landscape for regional providers. It has extended a horizon of opportunities. Primarily, Insurance revolved around three models; integrating with the government, market led dictated by competition and a brown field transition from the ground up.

IIR Middle East’s Healthcare Insurance Forum is an 8 year success story; a platform for interactive debate to identify opportunities this industry could benefit from. These discussions often lead to policy and framework implementation. Best practices are then shared across the region.

To raise the benchmark this year, research has helped guide us in engaging Healthcare’s most important stakeholder – it’s customer! We have therefore chosen – The Customer Experience – as the theme for the 9th Healthcare Insurance Forum, which will be held 26 – 29 January 2014 at the Dusit Thani Hotel, Dubai.

Led by a pre and post Forum workshop the two day conference will focus on:• ROI enhancing Cost Containment• Improving Provider Relations• Understating The Buyer’s Perspective

By addressing wellness this Forum aims to nurture a society which prides it’s health and revisit the core foundations Insurance was introduced for – Creating a Healthier population!

As an integral stakeholder in the Healthcare Insurance landscape, we look forward to your participation in pioneering this trend.

Kind regards,

Sally CoranderDivisional Manager

T: +971 4 335 2437 | F: +971 4 335 2438 | E: register@iirme.com | W: www.iirme.com/healthcareinsurance

CONFERENCE CHAIR:Dr Finn Goldner, Director, True Codes Consultancy, Germany

WORKSHOP LEADERS:Paul Vincke, Managing Director, European Healthcare Fraud and Corruption Network EHFCN, Belgium

Renée-Marie Stephano, JD, President, Medical Tourism Association, Chief Editor, Medical Tourism Magazine, USA

MODERATORS:Dr Cother Hajat, Adjunct Professor, UAE University, UAE

Dr Saif Al Jaibeji, Vice President, Aetna, UAE

Husam Majali MD, Market Access Lead – Private Insurance and Pricing, Merck, UAE

Dr Finn Goldner, Director, True Codes Consultancy, Germany

KEYNOTES:Dr Cother Hajat, Adjunct Professor, UAE University, UAE

Dr Mansoor Anwer, Director, Occupational and Medical Health, du, UAE

Dr Saif Al Jaibeji, Vice President, Aetna, UAE

Dr Sven Rohte, Chief Commercial Officer, DAMAN, UAE

Imane Alaoui, Benefits Manager, Middle East, Schlumberger, UAE

Paul Vincke, Managing Director, European Healthcare Fraud and Corruption Network EHFCN, Belgium

Renée-Marie Stephano, JD, President, Medical Tourism Association, Chief Editor, Medical Tourism Magazine, USA

Sarry Al Buraik, Advisor to CEO, King Fahad Medical City, KSA

EXPERT SPEAKER FACULTY

ONE ON ONEMeet and interact with Visionary Payors over a live discussion. Tweet your questions live to #Healthcareinsurance as you hear them speak.

STAKEHOLDER FACETIME Enjoy face time with internationally ranked Provider and Payor CEOs over an informal connection.

360 DEGREE PANEL DISCUSSIONS Join in the debate with: Payors/Providers/Regulators/Corporates

SPEAKER HOSTED LUNCH Meet each speaker in person. Have your questions answered and share insights over a hearty meal.

Networking ActivitiesMore networking than ever before to ensure better interaction and shared learning

WELCOME TO THE HEALTHCARE INSURANCE FORUM!

Monday | 27th January 2014CONFERENCE DAY ONE

T: +971 4 335 2437 | F: +971 4 335 2438 | E: register@iirme.com | W: www.iirme.com/healthcareinsurance T: +971 4 335 2437 | F: +971 4 335 2438 | E: register@iirme.com | W: www.iirme.com/healthcareinsurance

8.50 Welcome and Opening Remarks Investigating the Latest Updates and Trends in the Healthcare Insurance Landscape

Dr Finn Goldner, Director, True Codes Consultancy, Germany

STRATEGY 9.00 Benefits of Regional Healthcare Insurance and it’s

Implications on Population Health and Wellness This presentation will focus on a national implementation

plan with NCD (non-communicable disease) as it’s focus towards prevention and wellness.

Speaker Faculty Reserved

OPPORTUNITIES 9.15 Corporate Customers: What do they really want out of

health insurance? The insurance industry seeks better health and ease of

access to healthcare. Corporates are integral stakeholders within the insurance landscape. Their role in changing life style patterns of their employees will be shared in this presentation.

Dr Sven Rohte, Chief Commercial Officer, DAMAN, UAE

9.30 Opportunities for Insurers in the wider MENA region Privatisation brings with it new opportunities. Understanding

them will extend growth to generate economies of scale. Dr Saif Al Jaibeji, Vice President, Aetna, UAE 9.45 The growing integration of medical tourism and health

insurance policies in the GCC and Middle East The opportunity to establish ‘Centres of Excellence’ is ripe

in the region. How can stakeholders align their business agenda to attain these goals?

Renée-Marie Stephano, JD, President, Medical Tourism Association, Chief Editor, Medical Tourism Magazine, USA

REGIONAL PERSPECTIVE10.00 The new mandatory health insurance scheme in Qatar:

Lessons learnt Recent healthcare development in Qatar has witnessed a

new spectrum for the insurance industry. What lessons can regional payors take away from this experience?

Husein Reka, Manager, Health Insurance, Supreme Council of Health, Qatar

10.15 Recent Developments and Opportunities for Private Insurers in the Saudi Market

The integral role of a private insurance landscape always compliments neighbouring markets. This session identifies synergy between regional insurers within the GCC.

Ingo Pischetsrieder, COO, Saudi Enaya, KSA

10.30 Providing a Federal Perspective for the UAE Compatibility within a nation is instrumental to a unified

payment platform. How can regulators lead in extending insurers uniformity?

10.45 Coffee and Networking Break

CONSENSUS PANEL11.30 This panel will summarise the Regional Perspective and

reach consensus on a strategy to align moving forward Dr Sven Rohte, Chief Commercial Officer, DAMAN, UAE Renée-Marie Stephano, JD, President, Medical Tourism

Association, Chief Editor, Medical Tourism Magazine, USA Husein Reka, Manager Health Insurance, Supreme Council

of Health, Qatar Ingo Pischetsrieder, COO, Saudi Enaya, KSA

Led by: Dr Finn Goldner, Director, True Codes Consultancy,

Germany

COST CONTAINMENT12.00 Surviving in a competitive market: What does it take for a

health insurer to be profitable Competition can create opportunities for growth, otherwise

overlooked in a monopoly. Is innovation the answer?

12.15 Medical Inflation and Cost Control: Regulatory Perspective and Containment Approach

This session discusses the regulators perspective on operational efficiency and optimising processes to lower cost and mitigate risk.

Lina Jichi, Head of Health Financing, Monitoring and Advisory – Strategy, HAAD, UAE

12.30 Fighting Fraud in Healthcare. Is it really worth the effort? This presentation focuses on prejudice and argument,

possibly doubting benefits and ROI of counter fraud in healthcare. International references to successes ánd difficulties encountered in different healthcare systems from around the world will underpin these arguments.

Paul Vincke, Managing Director, European Healthcare Fraud and Corruption Network, EHFCN, Belgium

12.45 Lunch and Networking Break

14.00 Innovative partnerships in Improved Drug access with better cost containment in Private Insurance

The drug cost in insurance claims can be reduced by new technologies and new agreements to address this major cost driver in health insurance

Husam Majali MD, Market Access Lead – Private Insurance and Pricing, Merck, UAE

14.15 Innovative Approaches Using Data and Technology by Insurers

As the largest insurer what lessons can we learn from their innovative approach in utilising an innovative approach to fuel demand yet optimise quality of care at all times to it’s clients.

Linda van Dijk, Director Medical Strategy and Development Department, DAMAN, UAE

14.30 Training the Next Generation of Claims Management and Revenue Cycle Management Staff• Understanding the process of RCM in relation to your

role • Improving billing processes• Mitigating fraud• Optimising payments

Mary Shuab, Former Director Revenue Cycle Management, HAAD, UAE

CONSENSUS PANEL15.00 This panel will summarise the Regional Perspective and

reach consensus on a strategy to align moving forward Lina Jichi, Head of Health Financing, Monitoring and

Advisory – Strategy, HAAD, UAE Linda van Dijk, Director Medical Strategy & Development

department, DAMAN, UAE Mary Shuab, Former Director Revenue Cycle Management,

HAAD, UAE Paul Vincke, Managing Director, European Healthcare

Fraud and Corruption Network EHFCN, Belgium Led by: Husam Majali MD, Market Access Lead – Private Insurance

and Pricing, Merck, UAE

15.30 Close of Conference Day 1

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Paul VinckeManaging Director,

European Healthcare Fraud and Corruption Network EHFCN, Belgium

Over the last decades fraud has been ignored as a hidden cost in healthcare. Only with the crisis coming down hard on healthcare budgets, the tone at the top has changed: healthcare fraud has become a business cost that should be reduced.

Tuesday | 28th January 2014CONFERENCE DAY TWO

T: +971 4 335 2437 | F: +971 4 335 2438 | E: register@iirme.com | W: www.iirme.com/healthcareinsurance T: +971 4 335 2437 | F: +971 4 335 2438 | E: register@iirme.com | W: www.iirme.com/healthcareinsurance

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8.50 Re-cap of Day 1 and an Overview of the Conference Day 2Dr Finn Goldner, Director, True Codes Consultancy, Germany

PROVIDER RELATIONS9.00 An Institutional Perspective

As an institution and based out of Saudi Arabia does the landscape change? How does it affect delivery of healthcare, versus a private or public provider?Sarry Al Buraik, Advisor to CEO, King Fahad Medical City, KSA

9.15 The Private Hospital Perspective on Working with Insurers

How has the billing landscape changed for private hospitals? Are approvals affecting delivery and quality of care?Jeffery Staples MD, COO, Al Noor Hospital, UAE

9.30 The Public Provider Perspective on Working with InsurersRCM (revenue cycle management) is a contested process by providers and payors. Is it creating hurdles for treatment which was a seamless process in the past? Wayne Keller, Corporate Director, Revenue Cycle Management, SEHA, UAE Invited

9.45 A Regulatory Perspective on working with Insurers How does Qatar see this relationship? Will it step in to streamline processes?Ghazal Siddiqi, Head of Provider Management, Supreme Council of Health, Qatar

10.00 A Positive Role for the TPATPAs are a preferred option. Why can they extend options that payors can’t? What lessons can Insurers learn from them in complimenting their role towards a patient centric model of care?

10.15 Lessons from Germany: Best Practice in Working with Health InsurerFrom a historically preferred centre of excellence this session shares lessons regional insurers could adapt to regional norms and gain ‘preferred’ status – an opportunity for regional excellence! Gerhard Becker, Former Managing Director, University Hospital Dusseldorf, Germany

10.30 Insurance benefits and the impact on QualityCan choosing the right benefits affect healthcare delivery process and generate optimum quality of care? Karen Carbone MD MBA, Group COO Medical Operations, SEHA, UAE

CONSENSUS PANEL10.45 This panel will summarise the Regional Perspective and

reach consensus on a strategy to align moving forwardSarry Al Buraik, Advisor to CEO, King Fahad Medical City, KSA William Pan, Director Revenue Management, Al Noor Hospital, UAEWayne Keller, Corporate Director, Revenue Cycle Management, SEHA, UAE Invited

Ghazal Siddiqi, Head of Provider Management, Supreme Council of Health, Qatar

Gerhard Becker, Former Managing Director, University Hospital Dusseldorf, Germany

Karen Carbone MD MBA, Group COO Medical Operations, SEHA, UAE

Led By: Dr. Saif Al Jaibeji, Vice President, Aetna, UAE

11.15 Coffee and Networking Break

THE BUYER'S PERSPECTIVE11.45 Disease Management and Behaviour Change:

Opportunities and advantages for payors within:• Disease management• Case management• Monitoring healthy behaviour• Incentives for behaviour change• Workplace wellness

Dr Cother Hajat, Adjunct Professor, UAE University, UAE

12.00 If Corporates are customers why can they not gain answers to:• How Health Insurer Premium is calculated• Negotiating the Premium in case of positive

experience• Implementing a Rebate structure in case of lack of

service Imane Alaoui, Benefits Manager, Middle East,

Schlumberger, UAE

12.15 What do Corporates Want? A unique session where representatives from corporates and insurance providers go head to head to debate some of the biggest challenges in the sector • Negotiating an ideal employee insurance plan• Gaining a provider of choice • Options within regional and international coverage• Reducing premiums via tailor-made packages

Safiya Al Matroushi, Director – Human Capital, IMDAAD, UAE

Imane Alaoui, Benefits Manager, Middle East, Schlumberger, UAE

Mansoor Anwer MD, Director, Occupational and Medical Health, du, UAE

Jacclyn Nautiyal, Compensation & Benefits Manager, Europe, Aggreko, Middle East & Africa

Led by Dr Cother Hajat, Adjunct Professor, UAE University, UAE

Insurance Providers will join the panel – By invitation only

12.45 A Guiding Role for Brokers? Brokers are a preferred option. Why can they extend

options that payors can’t? Guardian will share their model which has placed them as a leading broker in the region

13.00 Lunch and Networking Break

14.00 Preparing for the future now Trends within this industry change at a rapid pace. This

session will help you understand what is round the corner and how you could tap into these opportunities.

David T Youssef, CEO, Now Health, UAE

14.15 Cross Product Subsidisation While criticised commonly is there a real need for it in the

first place? Are there advantages we overlook in the long term?

14.30 It’s not just about selling policies! 21st Century Patient Engagement Strategies• How Engaged are you in Patient Outreach?• Analytics to deepen your Patient/ population Insight?• Multi-channel (SMS/ E-mail/ Social media) interactions

with Patients?• The long term benefits of Patient engagement?

Feryal Kazim MD, External Insurance Consultant, UAE

CONSENSUS PANEL14.45 This panel will summarise the Regional Perspective and

reach consensus on a strategy to align moving forward Rasha Moukayed, Manager - Life & Medical, Guardian

Insurance Brokers, UAE David T Youssef, CEO, Now Health, UAE Chris Reed, Head of Corporate Solutions, Middle East,

MetLife Alico, UAE Feryal Kazim MD, External Insurance Consultant, UAE Led By: Husam Majali MD, Market Access Lead – Private Insurance

and Pricing, Merck, UAE

15.15 A summary of discussions and strategy for implementation in the next 6 months

A summary of the day will reach a consensus on how the regional players identify opportunities and decide to move forward. A periodical review via feedback will track progress and initiate regional strategy for 2015.

Dr Finn Goldner, Director, True Codes Consultancy, Germany

15.30 Closing Remarks and Close of Conference

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Registration for each workshop will begin at 08:30. The workshop will commence at 9:00 and end at 14:00 with lunch. There will be breaks at appropriate times.WORSKSHOPS

T: +971 4 335 2437 | F: +971 4 335 2438 | E: register@iirme.com | W: www.iirme.com/healthcareinsurance

The region’s Healthcare landscape seeks partnerships!

Partnering with the Healthcare Insurance Forum is an extremely effective way for you to share your work as an integral stakeholder within Healthcare’s interoperable and digitally connected platform.

WHY PARTNER? The conference provides a unique, high-profile platform with opportunities to interact with the industry's biggest players and healthcare systems.

The conference will provide tailored and creative partnership packages to suit the organisation, and not just offer an exhibition stand!

ORGANISATIONS CAN:� Meet corporate HR Directors from cross industry sectors

� Broker new business partnerships within a region led by demand

� Showcase innovative cost containment technology

� Position your competition resilient model as futuristic

� Publicise your success via your Healthcare client’s results

� Build brand recognition and raise your integral payor profile

Learn more about how you can support the Healthcare Insurnace Summit by contacting

Renae Ruggieri on+971 (0)4407 2732 or at sponsorship@iirme.com

See more at: www.iirme.com/healthcareInsurance

PARTNER WITH THE HEALTHCARE INSURANCE FORUM

Post-Forum Workshop BWednesday, 29 January 2014

HEALTHCARE FRAUD TYPOLOGYCertified Workshop – This workshop is certified by the European Healthcare Fraud and Corruption Network, Belgium

This workshop will guide delegates on understanding, distinguishing, defining and identifying anomalies and infringement patterns within: healthcare provisions, prescriptions and billing. It will dive deeper into the nature, type and impact in a uniform and standardised format. Distinction will be made between violations of billing rules and non-compliance to guidelines and evidenced based medicine. Effective enforcement strategies will also be presented and discussed. A Fraud Typology Matrix created by EHFCN will be used as an example. Participants will leave mastering the art of implementing case matrix aligned to their area of expertise, discipline and function.

Learning Objectives:• Distinguish and identify anomalies and infringement patterns

in healthcare provisions, prescriptions and billing• Report in a uniform and standardized way on healthcare

fraud issues• Set up and implement effective enforcement strategies to

counter healthcare fraud• Understand the complexity of the nature and origin of

financial losses in healthcare• Identify conditions for preventing and stopping healthcare

fraud

Led by:Paul Vincke, Managing Director, European Healthcare Fraud and Corruption Network EHFCN, Belgium

Paul Vincke is a Director of Staff at the Service of Medical Evaluation and Control (SECM) of the National Institute for Health and Disability Insurance (NIHDI) in Belgium and Managing Director of the European Healthcare Fraud and Corruption Network (EHFCN). He has obtained a degree in Criminology at the Katholieke Universiteit Leuven, Belgium. After having spent 14 years as Financial and Personnel Director at the National Pension fund for Miners, he joined the SECM in 1999 becoming Director of Staff responsible for general management. As a member of the Strategic Management team he has been directly involved in the reorganization of the Service since 2002, aiming at the development of highly efficient systems and tools of screening, prevention, detection and investigation of alleged improper use of the Federal Healthcare Resources by healthcare providers and patients. This resulted in active surveillance of good medical practices and the establishment of appropriate sanctions.

Pre-Forum Workshop ASunday, 26 January 2014

THE OPPORTUNITY FOR CENTERS OF HEALTHCARE EXCELLENCE IN THE MIDDLE EASTCertified Workshop – This workshop is certified by the Medical Tourism Association, USA

Many Insurance Companies have expanded their networks due to rising demand for quality and choice and are allowing their healthcare customers to travel regional and internationally to centers of healthcare excellence. This workshop will explain Medical Tourism (Centers of Excellence) and the growing trend to develop centers of excellence for fixed “bundled/packaged” pricing, and how it lowers costs and increases quality and better outcomes. Understand how to identify centers of excellence, medical procedures that qualify, and which countries to refer consumers too. Learn the emerging trend most insurers are using to differentiate themselves and how to educate and engage your consumers/insured.

Learning Objectives:• How to develop and select a Global Centers of Excellence

Network• How to Develop Bundled Pricing for Packaged Medical

Procedures• The importance of diversifying your network of hospitals• Case Studies of insurers who are successfully implementing this

model• Analysis of Potential Cost Savings

Led by:Renée-Marie Stephano, JD, President, Medical Tourism Association, Chief Editor, Medical Tourism Magazine, USA

President of the Medical Tourism Association®Renee-Marie Stephano is the President and Co-Founder of the Medical Tourism Association and Editor-in-Chief of Medical Tourism Magazine and the Health and Wellness Destination Guide Series of books. Ms. Stephano has authored several books from Developing International Patient centers, Best Practices in Facilitation, to Medical Tourism for Insurers and Employers, and the most recent, Engaging Wellness. Ms. Stephano is an attorney and specializes in working with governments and hospitals to develop sustainable medical tourism/international patient programs and strategies. She has worked with governments and hospitals all over the globe in developing healthcare clusters, international patient departments on long term international patient strategic plans. Ms. Stephano serves on the Board of Directors for the International Healthcare Research Center, a 501c3, nonprofit medical tourism research center, the Corporate Health & Wellness Association, and two Washington D.C. based lobbying groups focused on lobbying the U.S. Congress for the benefits of Medicare reimbursement overseas and the support of U.S. Hospitals in their overseas initiatives.

T: +971 4 335 2437 | F: +971 4 335 2438 | E: register@iirme.com | W: www.iirme.com/healthcareinsurance

26-29 January 2014 • Dusit Thani Hotel, Dubai, UAE

Please þ the session/s you wish to attend:

deleGate details

First Name: Surname:

Job Title:

Company:

Address:

Postal Code: Country: City:

Tel: Mobile: Fax:

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PAYMENTS

A confirmation letter and invoice will be sent upon receipt of your registration. Please note that full payment must be received prior to the event. Only those delegates whose fees have been paid in full will be admitted to the event.

CANCELLATION

If you are unable to attend, a substitute delegate will be welcome in your place. Registrations cancelled more than 7 days before the Event are subject to a $200 administration charge. Registration fees for registrations cancelled 7 days or less before the Event must be paid in full. Substitutions are welcome at any time.

All registrations are subject to acceptance by IIR which will be confirmed to you in writing. Due to unforeseen circumstances, the programme may change and IIR reserves the right to alter the venue and/or speakers or topics.

AVOID VISA DELAYS – BOOK NOW

Delegates requiring visas should contact the hotel they wish to stay at directly, as soon as possible. Visas for non-GCC nationals may take several weeks to process.

Five easy ways to Register

+971 4 335 2437 +971 4 335 2438

register@iirme.com IIR Holdings Ltd.P.O Box 9428, Dubai, UAE

www.iirme.com/healthcareinsurance

CALL: +971 4 335 2483E-MAIL: a.watts@iirme.com

GROUP DISCOUNTS AVAILABLE

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EVENT VENUE:

Dusit Thani Hotel, Dubai, UAETel: +971 4 343 3333

ACCOMMODATION DETAILS

We highly recommend you secure your room reservation at the earliest to avoid last minute inconvenience. You can contact the IIR Hospitality Desk for assistance on:Tel: +971 4 407 2693 Fax: +971 4 407 2517Email: hospitality@iirme.com

MD030324 HEALTHCARE INSURANCEJC/SC

Conference fees include documentation, luncheon and refreshments. Delegates who attend all sessions will receive a Certificate of Attendance by email.

all registrations are subject to our terms and conditions which are available at www.iirme.com/terms. Please read them as they include important information. By submitting your registration you agree to be bound by the terms and conditions in full.

SUPER EARLY BIRD SAVER!

Register before28 November 2013

EARLY BIRDPrice before

29 December 2013

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Conference + 2 Workshop Days US$ 2,495 US$ 2,695 US$ 2,895

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Conference Only US$ 1,795 US$ 1,995 US$ 2,095

Workshop Day only US$ 695 US$ 795 US$ 895