COMPANY PRESENTATION. SOS International

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1 SOS International

2 The claims experience is a make or break event for insurers * Strategic top priorities** 94 % 96 % REDUCING OVERALL COSTS ENHANCING THE CUSTOMER S CLAIMS EXPERIENCE *Accenture, Claims Customer Survey, **Accenture, Claims Investment Survey, 2013.

3 Our purpose NETWORK Nordic and worldwide assistance Delivering world-class personal assistance to insurers ENSURING THE VALUE CHAIN delivering the right service when and where needed ACUTE PERSONAL HELP at all times, 24/7/365, in the native language of the insured in all places, through local presence and worldwide reach COST OPTIMISATION at the lowest claims costs possible at the lowest costs, minimising the claims costs for the customers of SOS International

4 We ensure the value chain CUSTOMERS POLICY HOLDERS SOS ALARM CENTRE NETWORK ACUTE PERSONAL HELP

5 Our business areas TRAVEL/MEDICAL ASSISTANCE ROADSIDE ASSISTANCE HEALTHCARE SERVICES Acute personal assistance worldwide Expatriate services Air, ground and sea transportation Handling of lost luggage, ticketing, pre-departure, counselling Development of detailed country reports Acute medical hotline Acute roadside assistance Heavy vehicle assistance In-car telematics Damage control + claims and property handling Cost control TPA services Preventive health treatment Health recovery advisory and planning Psychological hotline and support E-health Health lifestyle advisory Chronic diseases advisory and planning Medical advice Dispatch of towing vehicles, etc. Medical transportation Home assistance Crisis management Claims handling

6 Our gl bal presence TRAVEL/MEDICAL ASSISTANCE SOS INTERNATIONAL HAS MORE THAN 20 SERVICE OFFICES AROUND THE WORLD WORLD COVERAGE MORE THAN 210,000 MEDICAL AND TRAVEL CASES WERE HANDLED IN 2014 SOS International s travel network is designed to handle any type of assistance anywhere in the world LOCAL OPERATIONS SECURES THE LOWEST POSSIBLE CLAIMS COSTS THE GLOBAL NETWORK IS SCALABLE FOR CUSTOMERS SPECIFIC NEEDS

7 Our Nordic presence ROADSIDE ASSISTANCE 24/7 NATIONAL ROADSIDE ASSISTANCE ALARM CENTRES Helsinki Oslo Stockholm SOS International is Nordic market leader within roadside assistance in terms of volume and coverage and provide our customers with full Nordic Roadside solutions Aarhus 1,200 TOWING VEHICLES MORE THAN 1.8 MILLION CALLS A YEAR 2,000 PATROLMEN MORE THAN 400 STATIONS

8 How we add value TRUSTED PARTNER END-USER EXPERIENCE TOTAL COST SOS International secures the value chain on behalf of our customers as a trusted partner to provide the optimal end-user experience taking the total cost for our customers into account

9 TRUSTED ASSISTANCE PARTNER

10 We want to be your Trusted Partner BUSINESS INTELLIGENCE On the basis of comprehensive analyses and relevant statistics, SOS International proactively contributes to the development of our customer s business based on data, statistics and insights. TRANSPARENCY Transparency in prices and business models ensures a trustful and close cooperation and provides our customers full clarity of their costs. DIGITAL DEVELOPMENT Digital innovation and integration of systems increase efficiency and cost focus by automated processing.

11 END-USER EXPERIENCE

12 We provide optimal end-user experiences SERVICE DEVELOPMENT Provides end-users with the best incident solutions and contributes to our customers fulfilling end-user expectations. END-USER SATISFACTION Professional, competent and empathic personnel assist end-users and build loyalty towards our customer s company. SETTLEMENT OF CLAIMS Available for the end-user when needed and fast handling of the incident.

13 TOTAL COST

14 We always take the total cost into account TOTAL COST FOCUS Optimises claims costs and provides our customers with insight and transparency of cost drivers. EFFECTIVENESS Continuous optimisation of the processing of claims to secure our customers additional cost savings. NETWORK Solves incidents by using the preferred supplier in order to control costs and ensure fast resolution.

15 By the numbers SOS International is owned by 16 of the largest insurance companies in Scandinavia. 26 % 10 % 64 % 25 % 7 % 4 % 33 % SEGMENT DISTRIBUTION MARKET DISTRIBUTION We are more than 1,200 employees. We speak more than 37 languages. 31 % 90% of our employees are satisfied or very satisfied with being employed at SOS International. DKKm 2014 % Travel 1, % Roadside & Home assistance % Health % DKKm 2014 % Denmark % Sweden % Norway % Finland % Others % Revenue 2, % Revenue 2, %

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