#BETHEFORCE

Integrating wearables, gamification, big data & karma to impact healthy

behaviour

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WorldIsBecomingUnhealthier

2

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EstimatedNumberofPeoplewithDiabetes(20-79yrs)

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PrevalenceofObesity(BMI> 30kg/m2)

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ProbabilityofDyingFromTheFourMainNon-communicableDiseases.

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PerCapitaTotalExpenditureOnHealth

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Real protection means teachingchildren to manage risks ontheir own, not shielding themfrom every hazard.

-Wendy Mogel

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…SoHowDoWeGuideThemRoadToHealthAndLongevity?

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AndWeThinkWeHave…The

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GOQiiVision

MOTIVATE people to stay healthy…

…by GUIDING them to make a permanent shift to a better lifestyle…

…and EMPOWER them to be the force of change

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GOQii- AnIntegratedPreventiveHealthPlatform

Personalized coachingExpert Coaching done remotely

Tracker-agnostic coaching appAPI-based integrated app

Doctor Doctor consultation & diagnostics

Health LockerPersonal Health Records database

InsuranceBehaviour-driven Insurance benefits

KarmaSocial Giving as extrinsic motivator

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…CreatingAHolisticPreventiveHealthJourney

PERSONALIZED COACHING

DOCTORCONSULTATION

DIAGNOSTICCHECKS

HOSPITALCHECK-UPS

INSURANCEPLANS

STAY HEALTHY

DO GOODEARN BENEFITS

GET FIT

FAMILY HEALTH

HEALTH COMMUNITY

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…For the Entire Family

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LeadbyBehaviorChangeAndPersonalCoaching

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AndAddedConvenienceFromMachineLearning…

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..GamifiedPlatformForExtrinsicMotivation…

Donate Karma Points & raise funds for a cause

BODY

MINDSOUL

Meet your daily targets

Form better & healthier

habits

+50Causes Supported

+$2 MRaised

PARTNERS

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…WithAddedLayerOfSocialEngagement

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AndUniquePartnershipstoFurtherIncreaseEngagement

Outof1.3Mn POSTerminalsinIndia,around 100,000TerminalsareNFCCompliant

AxisBank GOQii ContactlessPaymentusingGOQIIband

NFC-basedGOQii band Initial Launch in8cities includingMumbai, Delhi&Bangalore

Video

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ToCreateAPositiveUserExperience

4.0

4.5 4.6

88

NPS

“Withthehelpoftheapp,youcanmonitoryourfoodintake,activities,stepcountsandmany

otherparametersunderthesupervisionofgreatcoacheswhounderstandtheneedsofthe

individualandadviseaccordingly.Mycoachhasguidedmethroughtorunningthreehalf

marathonsandseveral10kmrunsinthelastninemonths,witheverimprovingtimesand

withoutanyinjuries.

“Forthefirst4months,Mycoachhelpedmeintransformingmylifestyle.ILost17kgweight(83Kgtonow66KG)AndNow,Iamabletocontinuethesameforthenext5months.

BesidesweightmanagementthereareothersomanyhealthybenefitslikeBP,Sugarlevel,

Cholesterollevel

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BuildingNewPartnershipstoDriveEffectivePreventiveHealthcareSolution

NHS(UK)Partners GOQii PreventiveHealthcareSolution

GOQiiasPreventiveHealthcareSolution

Launchedon10th AuginBirmingham

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PartnersareGettingExcellentResults

Patient issohappywiththeprogresssheismaking,bloodsugarsarenowinnormalrangeand has lostweight,feelsbetterandalsoloveshercoach.

Patient'sHBa1chasnowhalved(level at51mmols).Sheissomuchmoreconfidentnow,happier,itsgoodtoseeandallthisachievedwithnoextramedication whichisthemainthing.Icallhereveryweekplustheinputfromhercoachshe'sahappylady.Ihadreservationsatfirstbut Ireallyenjoydoingthe goqii clinicsandhowwellmostofthemhaveappliedthemselves.

Itisnicetalkingwithcoach.Sheissogentleandhadadetaileddiscussiononmyfood,habitsandall.Itgivesmeaconfidencetoimprovemycurrentlifestyletoahealthierlifestyle..IthinkIwillsucceedinmygoalachievement.

NormalisedSugarLevelandweightloss

DropinSugarLevel

ShifttoaHealthierlife

Upto20PtsimprovementinHealthRiskAssessmentscorewithLifestyleChanges

InitialcohortofpatientstestedshowedimprovedHRAscorewithin45days.

SuperbResults

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….WeAimToCreateOneStopPreventiveCarePlatform…

O2O

OnlineHealthServices

B2C,B2B,B2B2C

HealthProfessionals,

Doctors,Coaches,Experts

OfflineHealthServicesOffline Partner network

GOQii Online Platform Online healthcare services

Offline Medical services

Coaches Experts Doctors Health Locker

Community HRA

Diagnostic Labs Hospitals

SpecialistDoctors Pharmacy

Health Check-ups

GP Clinics

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…AndByDevelopingHMOWithInsuranceAndHealthcareProvidersIntegration

FamilyHealthPlan

Chronicillnesses

Management

MedicalGuidance

HealthConsultationandmedicinedeliveryforpatientswithchronicillnesses(hypertension,Cholesterolanddiabetes,etc.)

PushFamilyHealthPlantoreducemorbidityratebyimprovingunhealthyhabitsandbehaviors.

GuidanceandinterventiononappointmentforspecialistandinpatientcasesofpartnerhospitalsandHealthClinics

SeniorCare

Family,Caregiver,SocialEngagementandOfflineInterventionstopromoactiveandhealthLifestyleamongSeniors.

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PartneredWithTheBest

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AndCreatedASustainedBehaviour-DrivenHealthScoringModel…

1. Start Your Journey

2. Set Your Goal

3. Adopt Healthy Behaviour

4. Enjoy Rewards

GOQii Health Insurance Plans

Resilient Consumers

Continuous engagement to identify areas of player improvement

Gamified point system for Action and Not Intend

Premium discounts and wellness rewards for Healthy behaviour

GOQii Health Score for each customer

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GOQii to offer healthy lifestyle coaching for Max Bupa customers

Personalized coaching for each customer based on extensive data analytics

Gamification along with premium discount incentive to drive behavioral changes

Max Bupa to provide customized offerings based on Swiss Re analytics

Discounts at renewals based on key health and lifestyle stats from GOQii (e.g., average daily steps, sleep time etc.)

Lower claims ratio for Max Bupa due to healthier lifestyles of customers

Discount at Renewals

Customer Health Data through GOQii App

Swiss Re to provide analytics & pricing support by crunching GOQii data

Enhanced analytics by Swiss Re by leveraging multiple data sources

Pricing analytics with discount computation modeling based on customer’s GOQii data

Analytical insights for customer interventions (e.g. disease management) and opportunities for increasing wallet share

…AndSuccessfullyMarketedinIndia

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SwissRetodriveinsightsfromGOQiidata

DATA COLLECTION ENHANCED ANALYTICS & RECOMMENDATIONS EXECUTION

Data collected by GOQii will not have an intuitive / straight forward bearing on pricing and claims ratio

SampleDataElements fromGoQii

§ NumberofSteps

§ WorkoutLogs

§ CalorieIntake

§ WaterIntake

§ TimeofSleep

§ DoctorvisitsbookedthroughGoQii

§ Healthrecords(ifavailable)

GOQii Data

Max BupaData

Proprietary Swiss Re Data

Third Party Data

AnalyticalModel

Claims experience and other proprietary data

Disease progression and other medical data from third party sources

Swiss Re will analyze GOQii data along with multiple data sources to identify actionable insights for Max Bupa

SampleOfferings

§ Renewalpremiumdiscountforacustomerbased onhisGOQiidata

§ Offer ofdiseasemanagement programtocustomerbased onGOQiidata&claimsexperience

§ Pitchingofcriticalillnesscovertocustomersbased ontheirGOQiidata

Max Bupa to tailor customer offerings based on inputs from Swiss Re

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Impact:SharedValueForConsumersAndInsurers

Marketing&

Sales

ConsumerOnboarding Engagement Underwriting Claim

Rewards&

Renewals

ØEasyToExplain

ØBrandImage

ØSimpleØEffective

ØDriveHealthyBehavior

ØConsumerLoyalty

ØBetterRiskManagement

ØHolisticConsumerData

ØFastØTransparent

ØConsumerSatisfaction

ØLowerLapseRate

§ Unique Value Proposition§ Easy to Implement

§ Brand Recall§ Consumer Satisfaction

§ Better Portfolio§ Fair Premium

§ Better Re-sales§ Tiered Pricing

§ Data Driven Risk§ Faster Information

§ Riders§ Upselling

§ Identification of Risk§ Integrated Lifestyle Data

§ Health conscious members§ Product Differentiation

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Basic Copyright Notice & Disclaimer

©2017 This presentation is copyright protected. All rights reserved. You may download or print out a hard copy for your private or internal use. You are not permitted to create any modifications or derivatives of this presentation without the prior written permission of the copyright owner.

This presentation is for information purposes only and contains non-binding indications. Any opinions or views expressed are of the author and do not necessarily represent those of Swiss Re. Swiss Re makes no warranties or representations as to the accuracy, comprehensiveness, timeliness or suitability of this presentation for a particular purpose. Anyone shall at its own risk interpret and employ this presentation without relying on it in isolation. In no event will Swiss Re be liable for any loss or damages of any kind, including any direct, indirect or consequential damages, arising out of or in connection with the use of this presentation.