NOVARTIS. Swiss health insurance exclusively for NOVARTIS associates FOR THE BEST MEDICINE. TODAY AND TOMORROW.

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1 NOVARTIS Swiss health insurance exclusively for NOVARTIS associates FOR THE BEST MEDICINE. TODAY AND TOMORROW.

2 Basic healthcare insurance Compulsory health insurance in Switzerland. People resident in Switzerland are required by law to be insured with a Swiss insurer against the risk of illhealth. This compulsory health care insurance (basic insurance) provides cover against the financial risks of ill-health, maternity and also depending on the employment situation against accidents. Within the canton of residence, people are free to choose from any doctor covered by the basic insurance (which applies to the vast majority of doctors) and free also to choose from any public hospital. Under special insurance plans, very substantial reductions in the premium are often possible. SWICA, the health insurance partner of NOVARTIS, offers various attractive plans. With FAVORIT MEDICA, for example, insured members are free to choose their doctor from a comprehensive list of primary care providers and specialists. FAVORIT TELMED is another alternative SWICA plan. The insured person must be willing to call the sante24 hotline before visiting a doctor or a hospital. Sante24 and the insured member will determine the next steps under consideration of the individual situation. Insured members can change their basic insurance without having to pass a medical examination with the new insurer. The basic insurance is currently offered by just over 80 different health insurance companies. The scope of services is laid down by law and therefore the same throughout Switzerland. However, there is a difference in the quality of service between the various companies, which is sometimes noticeable. SWICA provides services of proven high quality. Premiums. The premiums for the basic insurance are graded according to the age of the insured person and the person s place of residence. A move within Switzerland can therefore have an influence on the premium. Children and juveniles, young adults aged 19 or older and adults from the age of 26 years fall into separate age groups. Health insurers have to charge standardized premiums within a given premium region and within a given age group. But there may be considerable differences between the various companies.

3 Top-up insurance plans for individual needs Advantages for the whole family. In addition to the basic insurance, SWICA also offers supplementary plans to take account of individual needs with regard to cover. Thanks to the collaboration with NOVARTIS, you can also benefit from special discounts and preferential conditions. The supplementary outpatient insurance plan COMPLETA TOP provides cover for situations not covered by the basic insurance. COMPLETA TOP provides for: comprehensive protection during temporary stays abroad payment of emergency transport payment of non-reimbursable medicines cost coverage for complementary medical treatment With the supplementary outpatient insurance COMPLETA PRAEVENTA you can secure additional important benefits for: health-promoting activities in the areas of exercise (e.g. fitness center), nutrition (e.g. dietary advice) and relaxation (e.g. massages) vaccinations and medical check-ups The hospital insurance HOSPITA allows: free choice of hospitals throughout Switzer land or (depending on the insurance) worldwide access to absolute top medical care (with the HOSPITA PRIVATE GLOBAL plan) by and large a say in the timing of plannable surgery In the top-up plans, the insurer is entitled to refuse people wishing to take out insurance, if this is warranted by the results of the medical examination, or may exclude certain diseases from cover. NOVARTIS has reached an agreement with SWICA according to which a package of supplementary insurance plans may be concluded without a medical examination at an attractive price. This package comprises the insurance plans COMPLETA TOP, COMPLETA PRAEVENTA, HOSPITA GENERAL and the global private patient plan INFORTUNA, which provides insurance cover in case of accidents.

4 Selectable cost sharing options In the basic insurance, insured members share in their treatment costs. This cost sharing is governed by law and is made up of an annual franchise and the excess: Adults pay the first CHF 300 of their treatment costs in a given calendar year the legally stipulated annual franchise themselves. It is possible to pay a greater share of the treatment costs by choosing one of the optional annual franchises. The optional annual franchises which adults can choose from are currently CHF 500, CHF 1 000, CHF 1 500, CHF or CHF Insured members pay the legally stipulated excess amounting to 10 % of the costs not covered by the franchise. This so-called excess amounts to a maximum of CHF 700 for adults and a maximum of CHF 350 per year for children. Insured members who opt to select a higher annual franchise receive very high premium discounts. Cost sharing in the supplementary insurance plans differs from one insurer to another. At SWICA the optional excess sums that can be selected for hospital insurance amount to CHF (15 % discount), CHF (25 %) and CHF (50 %). Exclusive SWICA advantage: transparent and favorable cost sharing. SWICA is the only health insurer to count all costs shared by its members in both the basic insurance plan and in top-up insurance plans together. As a result, the excess costs are much lower than with other insurers. Competitor example max. cost sharing CHF / year SWICA example max. cost sharing CHF / year CHF 300 outpatient top-up insurance CHF hospital insurance SWICA advantage: customers benefit from much lower cost sharing Compensation CHF basic insurance (CHF franchise + 10 % excess, max. CHF 700) CHF 1700 basic insurance (CHF 1000 franchise + 10 % excess, max. CHF 700) CHF 1000 hospital insurance CHF 600 outpatient top-up insurance

5 The most important modules of Swiss healthcare insurance Insurance cover in Switzerland Insurance cover worldwide Private ward Free choice of doctor / hospital one-bed room Top-up plan for hospital treatment Semi-private ward Free choice of doctor / hospital two-bed room Private worldwide Free choice of doctor and hospital worldwide One-bed room General ward Choice of hospital outside the canton of residence Outpatient top-up plan for compulsory healthcare insurance Outpatient treatment and preventive care Global optional treatment Emergency treatment abroad, emergency transport, non-reimbursable medicines, complementary medicine, vaccinations, check-ups, health promotion Compulsory healthcare insurance as required by law Basic insurance Standard plan or alternative insurance plans (e.g. FAVORIT MEDICA, FAVORIT TELMED) with attractive options for saving on premiums Hospital treatments in the general ward of the canton of residence Outpatient medical treatment in the canton of residence or at the place of work

6 Exclusive SWICA benefits sante24 health advice hotline The experienced doctors and medical professionals of SWICA sante24 provide you with expert advice on all questions concerning your health. On request, an appointment will also be arranged at short notice with a doctor. Any time of the day or night, 7 days a week, free of charge. 562e/3000/ /SW First-class treatment With our comprehensive network of doctors and specialists we provide for first-class medical treatment. With SWICA BestMed we offer you rapid and preferential access to first-class medicine. Best value for money your advantage Our insurance solutions and services offer the best value for money in every phase of your life. Care management professional support With our specialists and care managers, we support you and your employees in illness and after accidents. We help you choose the best treatment, coordinate everything for you and relieve you of the administrative burden. Novartis Insurance Services WSJ-791.4, Aeschenvorstadt 55, Postfach, CH-4002 Basel, Phone novartis.versicherungsberatung@novartis.com, www. versicherungsberatung-novartis.ch