GLOBAL HEALTH COMPANY BEST DOCTORS, INC. ANNOUNCES LAUNCH OF HEALTH INSURANCE AND KEY NEW ADDITION TO CANADIAN TEAM

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1 LAUNCH of health insurance and key new addition canadian team A Q&A with evan falchuk MEET an extraordinary medical mind: dr virgilio sacchini Per Bay Jørgensen: future of private health insurance Best Docrs Insurance at a Glance GLOBAL HEALTH COMPANY BEST DOCTORS, INC. ANNOUNCES LAUNCH OF HEALTH INSURANCE AND KEY NEW ADDITION TO CANADIAN TEAM Toron Best Docrs, the global health company dedicated helping people and their treating docrs get the right diagnosis and right treatment, is pleased announce the launch of Global Medical Care, a major medical health insurance solution in Canada. This unique insurance, available through Best Docrs Canada Insurance Service Inc. and underwritten by Lloyd s of London (A rated by A.M. Best), will offer global medical coverage and Best Docrs services both individuals and employers through an exclusive group of insurance advisors. The new offer will provide Best Docrs cusmers in Canada the financial means and the freedom choose access the most advanced medical care anywhere in the world. Best Docrs, which has more than 25 years experience in the health insurance market and named Inc. magazine s Fastest-Growing Private Companies list, helps 5 million Canadians (30 million people worldwide) have access the most trusted medical information and guidance. Its unique medical services combined with comprehensive health insurance now are accessible individuals and employers in Canada, who will enjoy a premium level of care and personalize services. This unique insurance wouldn t be complete without the medical support from Best Docrs team of medical experts, which guides clients with information, as well as evaluation and interpretation of tests; and, tal choice, flexibility and peace of mind. Allison Martin, new Direcr of Business Development for Best Docrs Insurance Services Robin Cooper, VP Strategic Relations for Best Docrs Canada With the growth of Best Docrs Canada Insurance Services, the organization is excited share that Allison Martin, who previously led successful business development strategies at CIGNA Global Health Benefits, joins the team as Direcr of Business Development in Canada and will lead the positioning of Global Medical Care insurance in the country. Global Medical Care offers benefits covering up 100% of hospitalization, surgery, emergency room services, diagnostic services, cancer treatments, prescription drugs, medical equipment, and much more. We re extremely proud be expanding our team and introducing our innovative health plan in Canada as an important complement the provincial health care platform, noted Evan Falchuk, Vice-Chairman of Best Docrs, Inc. Expanding our presence in the Canadian market with this offering was an important step for us in our work deliver a complete health care solution individuals and employers, Falchuk said. For further information, visit For Best Docrs Insurance, contact Allison Martin, Direcr of Business Development, Phone or or amartin@bestdocrs.com For Best Docrs Services, contact Robin Cooper, Vice President of Strategic Relations, Phone or rcooper@bestdocrs.com

2 Q&A with Evan falchuk Best Docrs Vice-Chairman Best Docrs is a global health company founded by Harvard Medical School professors in Around the world, Best Docrs designs and implements international major medical programs that help people access the best care. In Canada, Best Docrs is proud introduce Global Medical Care, a health insurance plan 100% underwritten by certain underwriters at Lloyd s (A.M. Best rating A ). Did You Know? Location: Bosn (global headquarters), Toron (Canadian headquarters), Montreal Health Insurance Experience: 25 years writing major medical insurance in over 15 countries Annual revenue (2011): USD $121.2 million Recent Awards: 2012 Inc. magazine s Fastest- Growing Private Companies 2012 American Business Awards for Management Team of the Year (saluting Best Docrs executive team) 2012 Executive of the Year, Health Products & Services (honoring Chairman and CEO David Seligman) If someone asked you explain in 20 seconds what Best Docrs does, how would you answer? We are turning traditional notions of health care on their head. In day s confusing maze of a health care system, we get people the right answers their medical questions. We do this in lots of different ways, but all of it involves figuring out what is actually wrong, asking the right questions, and getting the right answers from the world s best expert physicians. Today, we serve 5 million Canadians (30 million members around the world), and we believe that through our work we are on our way changing health care forever. day, we serve 5M Canadians Can you give an example of a case where Best Docrs corrected a diagnosis? My favorite example is close home my own brother, Brad. He s the co-crear of the TV show Glee, and before coming Best Docrs, he was incorrectly diagnosed with a malignant tumor in his spinal cord. His docrs had scheduled him for radiation and surgery get rid of the tumor, which is actually the right thing do for that kind of condition. The trouble is, that wasn t the condition he had. So using our patented InterConsultation service, we reviewed all of his medical information and family medical hisry, and our docrs found a clue that ended up being lifesaving for him. It turned out we have a family hisry of a condition that could easily be confused for a malignant tumor. Best Docrs recommended some additional tests, which confirmed that he didn t have a tumor at all. The treatment that was originally planned was in fact very dangerous, given his actual condition. Today, having received both the right diagnosis and right treatment, he is doing great. What s amazing about my brother s case is that sries like his are more common than most of us think. How long has Best Docrs been around? What was the genesis of the company? Best Docrs has been working improve health care for almost 25 years. My father, Dr. Kenneth Falchuk, is one of the founders. He is an internist and professor of medicine at Harvard Medical School, and saw firsthand the challenges with promptly accessing medical care and inconsistencies in quality from his work. He knew that as a docr and a teacher he could only reach so many people. His vision in creating Best Docrs was reach millions more. It s inspiring be part of a team that is making this vision a reality. our database of 53,000 docrs includes over 2000 canadian physicians Number of employees Fastest-Growing Company of the Year, Up 2,500 Employees (honoring Best Docrs revenue growth) 2012 Modern Healthcare s Hottest Companies Bosn Business Journals 2012 Best Places Work. Website:

3 David Seligman CEO ideas, your hard work, your passion. We are focusing on maintaining our promises and creating a fantastic work environment for you and for our team. All of us at Best Docrs commit continue day after day be humble, nimble and deliver on your expectations. Meet an Thank you for your trust and let s have fun transforming the world of health care. extraordinary medical mind Dr. Virgilio Sacchini, world renowned oncologist, shares with our Medical Direcr, Dr. Michael Warner, why he feels passionate about Best Docrs mission for patient care. Best Docrs Expert since Surgical Oncologist, Memorial Sloan-Kettering Cancer Center Former Deputy Direcr, The Breast Department in the European Institute of Oncology Clinical Researcher, The Italian Breast Cancer Chemoprevention, Study of Tamoxifen Clinical investigar in Breast Cancer trials for The European Organization for Research and Treatment of Cancer (EORTC). Why do you like doing InterConsultation cases for Best Docrs? The review of cases for Best Docrs for me is a sort of academic discussion on the complex field of breast cancer diagnosis and treatment, always with options, pro and contra, benefit and risk, in which the state of the art may change so quickly that be up--date on medical literature and consensus guideline may make a big difference for the treatment success of the patients. The Best Docrs cases give us an opportunity of good discussions and support treating docrs make the most informed medical decision. What do you feel is the most exciting innovation in your clinical practice that has come about in the last year? The Best Docrs cases give us an opportunity of good discussions and support treating docrs make the most informed medical decision. Meet two Extraordinary Medical Minds 1 out of 9* women are affected by Better surgery as the sentinel The fascinating world of stem cells breast cancer. Small successes in the lymph-node technique, skin and seems play an important role in outcome translate in a big impact on the nipple sparing mastecmies, better breast cancer o. Dr. Virgilio Sacchini and Dr. Paul population due the large number of reconstructive Pietro, world techniques renowned improved experts, share with us why they feel passionate about individuals we Best face Docrs with this mission disease. for patient the care.. quality of life of patients. In the near future we can expect target therapies ward these cells The main fields of study in this disease Better definition of the risk which are able assist in the are prevention, improvement of early detection, improvement Dr. Paul Pietro allows bettering of quality of check their personalizing ego at the door and regeneration pertains of cancer our members cell after is the life during and after Best the Docrs treatments Expert since 2001 screening, focus surveillance, on the members needs and conventional expanding therapies. role for minimally preventive interventions as and better survival for more effective desires. The peer review process * Source: invasive Breast Cancer gynecology. Society of Although Canada risk reducing surgery. treatment. All these Obstetrics points are and equally Gynecology, for finding the best physicians is the technology for advanced Breast-Cancer-Society-of-Canada---Statistics important for the University scientists involved of Miami in MRI of the both breast sound in and selected comprehensive. women laparoscopic, hysteroscopic, studying and treating this disease. gave the What opportunity is even of better, earlier the process vaginal and now robotic procedures Why do you like reviewing diagnoses continues and better well outcome. past the initial have been with us for many cases for Best Docrs? awards. All our consultations are years the full implementation Genetics plays a big role in reviewed every step of the way and adoption of them has been identifying women with genetic I first became introduced Best by an internal team of expert slow. Being part of a forum predisposition for breast cancer. Docrs while I was an attending physicians at Best Docrs that allows you bring this Genetic studies on over or underexpression physician in the Department of assure of genes the material in cancer meets cells very information a much wider Obstetrics and Gynecology at were also strict able guidelines better predict for content, clarity, audience while at the same time the University of Miami. Being the response and overall of cancer quality. different Their members helping a member benefit from voted, by my peers, be part of treatment, deserve as chemotherapy best and versus the entire treatments that are superior the this elite membership was really hormonal organization therapy. maintains this focus. traditional methods of surgical great and when it happened four correction will always drive me more times the feeling grew all What do you feel is the most stay current and participate in the more. It wasn t until I was exciting innovation in your forums such as Best Docrs. Michael approached Warner by the Best Docrs clinical practice that has clinical team participate in come about in the last year? Have you had any recent MD, FRCPC, MBA Internal Medicine Along with my fellow Canadian Our mission is demonstrate that providing consultations for their cases with Best Docrs that Critical Care Services and Head at physicians, our goal is achieve evidence-based medicine, balanced members did I begin understand As a consulting physician it always you were able recommend Toron East General Hospital, Fellow better patient outcomes by creating an with prudent clinical judgment and the depth and breadth of the brings me satisfaction offer of the Royal College of Physicians effective, dynamic and collaborative collaboration newer results clinical in improved advancements? organization. What on the surface hope and insight the members and Surgeons of Canada (FRCPC), network of highly-skilled docrs patient care. MBA Rotman might School appear of Management, be another wherever they who may seek be outside that partner consultation. In fact I have. The underlying Illness has no boundaries, clinical University of Toron organization that pat the docr reduce the obstacles, All o often frustrations their confusion and reasons are many, however the on the back and get them knowledge shouldn t either. As Best Docrs Medical Direcr in delays buy a often and associated uncertainty with is accessing evident as crux of many of our consultations plaque for their wall is in fact Canada, it gives me great pleasure the much right specialist I read their care. hisries and case Dr. Michael are for Warner very common medical more profound. Since performing information. The challenge be part of this exciting community of medical experts, that an first invaluable consult way back in 2006 I educate, clarify, encourage and ensure more patients have grown enjoy a higher better understand guide is what drives me want standard of care. and respect Best Docrs every report be the best. tremendously. The prime reason for this is their insatiable drive serve the members. They truly One area in the field of gynecology that stands out the most as it (gynecologic) issues. Too often our members with fibroids and bleeding abnormalities are ld they have two options: birth control pills or abdominal hysterecmy. I love help the member explore

4 Per Bay Jørgensen, thought leader and founder CEO of International Health Insurance (IHI) Denmark talks about the future of private health insurance Per Bay Jørgensen with David Seligman, Best Docrs CEO and chairman What sort of health insurance companies will be the strongest performers in the future? Companies that offer distinctive services and facilitate access immediate care will gain market share, that is true in Canada, Denmark, Australia or anywhere else. In a complex world of increasing medical advances, it will not be enough just pay a claim. I have been watching the growth of Best Docrs from the sidelines and I think it has the right approach in helping those it insures find the best possible treatment and navigate through wait lists and other hard challenges patients face. This separates it from the rest and enhances its value proposition. Best Docrs is in a unique position positively complement any government-sponsored system. What do you think makes Best Docrs unique? Its people and medical insight. They have a strong team that complements each other, working hard, adapting market dynamics, partnering with the local medical community, and listening its brokers and clients. Of course, their medical heritage and the unique clinical insight they offer is second none. What is the key continuing success in global health insurance? A company s reputation is the key and that must be won by genuine, quality care for the client, for prompt and equitable payment medical providers, and by efficient service. Keeping things simple is also important. Simple plans and unique value propositions, such as Best Docrs InterConsultation, are easy communicate clients and ensure a high level of client satisfaction. Companies that offer distinctive services and facilitate access immediate care will gain market share, that is true in Canada, Denmark, Australia or anywhere else.

5 test BDCIS BROCHURE IND_aug7 spreads 07/09/12 9:22 AM Page 1 best docrs introduces global medical care Our most exceptional insurance yet. Now available for Employers and Individuals. test BDCIS BROCHURE IND_aug7 spreads 07/09/12 9:22 AM Page 3 JOHN ATWOOD DOE YOUR RIGHTS The right diagnosis and the right treatment recommendations at just the right time. With access Best Docrs services, you have exactly the right mix of benefits. And Best Docrs Global Medical Care is underwritten by Lloyd s of London BDCIS CARD final_best Docrs Insurance Membership Card 07/09/12 10:29 AM Page 1 CANADA INSURANCE SERVICES INC GlobalMedicalCare IS IT IMPORTANT be able access the best in global healthcare? Important be free of financial worry when you re ill? If you had access these benefits, would that be important? Could there be anything more important? Unless otherwise arranged, covered benefits provided you are per person, per policy year. All benefits are in Canadian dollars. Cumulative deductible per person, per policy year. Maximum two deductibles per family. Covered medical expenses are reasonable and cusmary for the procedure and terriry. Best Docrs Global Medical Care insurance coverage does not provide payment of or reimbursement indemnification for all or any part of the cost of any services or supplies performed for an insured person in Canada that would be covered for that person by the provincial health insurance plan or any government-sponsored program in the insured person s home province. The plan will cover expenses for enhanced services or supplies that Best Docrs Canada Insurance Services Inc. believes are clinically appropriate in the circumstances. Services that may be paid for privately in Canada are covered in this plan pursuant the terms and conditions of the policy. CANADA INSURANCE SERVICES INC 3 4 Underwritten by certain underwriters at Lloyd's Benefits Individual Plan Corporate Coverage (for Employers) Maximum Lifetime $5,000,000 per person Tailor made design, from first dollar sp loss coverage Deductible Chose from seven deductibles: $250, $500, $1,000, $2,500, $5,000, $10,000, or $20,000 Renewal Annual Annual Coverage Worldwide Worldwide Surgery & Outpatient Surgery Emergency Room 100% 100% Benefit type and amounts are uniquely designed meet your budget and needs. From executive only coverage, all employee benefits, Diagnostic Services 100% Best Docrs can deliver a plan that gives you confidence Cancer Treatment 100% in getting your personnel access the right care, the first time. Dialysis 100% Transplants Ambulance Prescription Drugs Maternity $1,000,000 lifetime and $20,000 for living donor 100% ground ambulance $50,000 air ambulance 100% inpatient $5,000 outpatient After deductible, 50% of the $100,000 of eligible expenses, then 100% a maximum of $250,000 Congenital Conditions $150,000 lifetime before age 18 $1,000,000 lifetime after age 18 Exclusive Services InterConsultation Best Docrs Concierge Elite Navigar Sample Benefits Only. All amounts shown in Canadian Dollars, per person per year unless otherwise noted. To learn more about Best Docrs Global Medical Care, please contact: Allison Martin Direcr of Business Development Phone at or amartin@bestdocrs.com Best Docrs Canada Insurance Services 145 King Street West, Suite 700 Toron, ON M5H 1J8 For the purpose of the Insurance Companies Act (Canada), this policy was issued in the course of Lloyd s Underwriters Insurance business in Canada. Best Docrs Insurances arranged at Lloyd s. Best Docrs Canada Insurance Services Lloyd s Coverholder. Underwritten by certain underwriters at Lloyd s. Best Docrs, the Star-In-Cross logo, InterConsultation, Elite Navigar, Best Docrs Member Care Network and Best Docrs Global Medical Care are trademarks or registered trademarks of Best Docrs, Inc. in the United States of America, Canada, and in other nations, and licensed under agreement Best Docrs Canada Insurance Services Inc. Complete definitions and limitations are found in the Master Policy.