Munich Re s growth strategy in emerging markets

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1 Munich Re International Health Munich Re s growth strategy in emerging markets Monika Nothhelfer Abu Dhabi 13 October 2008

2 MR Group has identified the global health markets as a major growth driver Global health market volume EUR billion Development Total Health Expenditures vs GDP Index (1995 = 100); 20 largest health markets 250 CAGR ~ 60% 5,400 THE 3,150 4, GDP 2, e 2015e Demographic development Medical progress Life style changes Economic development Source: OECD, WHO, Team 1

3 International Health has been established as a third business field of MR Group Munich Re Group Reinsurance International Health Primary insurance 2

4 Our approach is to leverage International Health s combined health experience in primary and reinsurance Our setup Combining the world's No 1 health reinsurer and Europe's No 1 health insurer (DKV) Health as core business segment within Munich Re Group Health risk expertise in over 40 countries More than 2300 healthcare professionals in 25 locations around the globe Our strengths Flexible combination of business models and products as unique selling proposition Outstanding knowledge and experience in health insurance and reinsurance gained in two decades of global presence Strong market presence in insurance and/ or reinsurance as solid platform for further growth The only specialised health risk carrier with global scope 3

5 MR Group is a true global player MR Group activities in health Companies, branches or offices for health Bellingham Toronto Princeton Caracas Oslo London Brussels Luxemburg Barcelona Stockholm Cologne Munich Milan Athens Beijing Amman Bahrain Abu Dhabi Dubai Jeddah Seoul Tokyo Hong Kong Singapore Johannesburg Sydney 4

6 One size does not fit all REGULATIONS Large variety of local health systems Different density and complexity of local private health market regulation Basically high political exposure of health business Legal market entry and shareholding barriers ECONOMICS Differences in individual disposal income according to local economic situation Heterogeneous aging demographics Differing range of incentives for individuals and groups to purchase private health cover Common public cost containment efforts with direct and indirect impact on private health sector Challenges for international health player Variety of health business models to be provided Efficiency and cost containment requirements Dedicated distribution channels and methods as critical success factor Broad range of international skills and capabilities OPERATIONS Different customer demand (tailor-made vs standardized benefits) Different levels of customer education and awareness for value of private health cover Different market stages and life cycles (mature vs emerging markets) Different functions of private health cover (Duplicate complementary supplementary) MARKETS 5

7 Munich Re International Health provides comprehensive solutions for emerging markets Major challenges Munich Re solutions Access Quality Medical management Health care supply Operations Emerging markets Private health insurance Product design Funding Public health system Customer access Administration Cost containment Flexible public-private and private-private cooperation models Complete IT solutions and operational infrastructure Comprehensive and flexible TPA solutions Reinsurance capacity Sophisticated underwriting, product design and claims management solutions Data acquisition and management tools and knowhow Comprehensive operational private health insurance knowledge Global provider network 6

8 MR is stringently implementing its global health strategy in mature and emerging markets Take-over of health portfolios of multi-line insurance companies, eg Belgium Flexible adjustment of business model set-up according to market needs, eg Italy Belgium Salute Acquisition of specialized health insurance companies, eg USA Built-up of regional public health delivery system, eg Denia/Spain Introduction of innovative reinsurance solutions: Consultative Reinsurance (CRI), eg Taiwan Establishment of private health insurer together with local insurance company, eg China Provision of TPA / MSO services to primary insurance clients, eg UAE, Jordan Establishment of specialized health insurer together with government, eg Abu Dhabi Establishment of specialized private health insurer together with local hospital group, eg India 7

9 Conclusion Engaging in international health markets means dealing with multiple challenges A one-size-fits-all approach cannot meet individual market specifics Only a holistic and flexible business approach can provide the right solutions Munich Re Group s dedicated international health organization and expertise provide holistic solutions 8

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