+Health. Accident. Mitsui Sumitomo. Caring for people, caring for business. Mitsui Sumitomo at Lloyd s Excellence in all we do.

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1 Mitsui Sumitomo Accident+Health Mitsui Sumitomo Accident +Health Caring for people, caring for business Mitsui Sumitomo at Lloyd s Excellence in all we do

2 Why choose Mitsui Sumitomo Insurance (UK)? If you are committed to reducing losses and thereby keeping premiums down, our risk managed approach will be invaluable

3 Global strength Mitsui Sumitomo is a member of the world s 7th largest non-life insurer, MS&AD Insurance Group. With an S&P rating of A+ and over 320 offices in over 40 countries, Mitsui Sumitomo offers its brokers a global reach supported by exceptional financial strength.

4 Group Personal Accident and Business Travel cover Every employer wants to protect their employees from an unforeseen event, whether they are at work, commuting, at home or travelling abroad on business and a strong package of benefits can help to attract and retain employees. Our Group Personal Accident and Business Travel policy has been designed to provide clarity of terms and conditions coupled with flexible benefits intended to minimise disruption to employers and an extensive list of benefits should an employee be unable to work as a result of an accident or travel incident. Personal Accident Minimise disruption to your business should an employee be affected by a sudden or long term absence. Unlike liability policies where you are required to prove negligence, our Personal Accident cover responds quickly with a cash sum going to the employer. This allows you to decide whether the benefit is payable to the employee or used to support and protect your business operations.

5 of the emergency or the required; ss where the insured person is road; one number upon which the rson can be contacted ealth of helpful and relevant medical and tion services is also available by visiting: eloracle.healix.com/msig.html Direct hospital billing Emergency medical supplies Medical advice Medical referral Repatriation Emergency money Emergency travel Emergency message Legal referral Lost luggage Lost travel documents Translation services Travel advice nce whilst travelling red journey: r claims: When making contact, please have available: Your policy number Your employer The nature of the emergency or assistance required Your contact details Your location advice: raveloracle.healix.com/msig.html policy number: Medical assistance services provided: Direct hospital billing Emergency medical supplies Medical advice Medical referral Repatriation A 13 AA Travel assistance services provided: Emergency money Emergency travel Emergency message Legal referral Lost luggage Lost travel documents Translation services Travel advice Feb 2013 Business Travel With personal accident benefits and illness coverage should an employee fall ill or become injured during business travel, you gain true peace of mind that your people are looked after round-the-clock, anywhere in the world. Our Business Travel cover provides a range of benefits and services, including: Unlimited medical expenses partnered with Healix International, one of the worlds leading providers of international medical, security and travel assistance services. Pre travel advice provided via our dedicated website, including health and security information and advice for all territories. Kidnap or Extortion costs or danger to life scenarios partnered with The Anvil Group (International) Limited, an internationally renowned security organisation specialising in travel risk management and crisis avoidance. Compensation for travel delays, curtailment and trip cancellation. Loss or damage to personal property, business equipment, money and passports whilst travelling. Fraudulent use of credit or debit cards.

6 Underwriting Flexibility 88% brokers rated our claims service as the best in the market. Independent broker survey - October 2010 Mitsui Sumitomo Accident +Health For further assistance a&hunderwriting@msilm.com

7 Mitsui Sumitomo has a wide appetite for a range of industry sectors including, but not limited to, Financial Services, Partnerships, Retail, Manufacturing and Construction. We designed our Personal Accident and Business Travel policy to be flexible and we offer many policy options to meet your specific needs. For example, key employees could be identified in your group policy to receive higher levels of cover. The policy can be arranged to cover a specific situation or time period, such as cover whilst at work and commuting to and from work. 95% of customers rated the Mitsui Sumitomo Insurance (UK) claims service as either Excellent or Good. Independent client survey - October 2010 Our attitude is a pro-active one underlined by responsiveness and a common sense approach to ensure that we achieve individual client needs.

8 Group Personal Accident and Business Travel product key coverages Personal Accident Accidental Death Permanent Total Disablement Loss of Limbs (one or more) Loss of Sight, Speech and Hearing Hemiplegia, Paraplegia, Quadriplegia and Triplegia Weekly Disablement Benefits And an extensive range of additional covers as standard to protect an organisation and its employees, such as: Accident Medical Expenses Dependent adult and child benefits Funeral Expenses Residential support/alterations Retraining for alternative occupation

9 Business Travel Full suite of benefits including: Unlimited Medical Expenses and repatriation Travel Disruption including contract certainty for natural disaster events, i.e. volcanic ash cloud Danger to life benefit Kidnap or Extortion Consultants Costs Property and Money Comprehensive range of medical and travel assistance services Personal Liability Legal Expenses Internationally renowned assistance services and advice provided by Healix International and The ANVIL Group. Full details can be found online at

10 Excellence in coverage and service delivery Partnering for enhanced medical capability Medical We have further enhanced our capability by partnering with Healix International as our medical assistance provider to support our Group Personal Accident and Business Travel product. This partnership provides us, as well as our clients, with a unique offering where all calls are answered by critical care nurses rather than co-ordinators to ensure a high quality of service from the moment the first call is received. This allows us to deliver the relevant high-quality medical expertise for all policyholders worldwide, including advanced services such as evacuation and repatriation. Healix is one of the world s leading providers of international medical and travel assistance services. Every year Healix is relied upon to manage the international medical and security needs of over 5 million people on behalf of multinational corporations, governments and insurers and in fact Healix is the chosen provider for the British Government to look after the medical needs of its expatriates and travelling workforce. Healix receives and manages in excess of 350,000 requests for medical assistance per annum and last year managed more than 30,000 acute in-patient medical cases in over 160 countries and carried out more than 2,000 medical evacuations. Pre-travel advice including health and security information and advice for all territories is provided online. For more information please visit

11 Security To complement our Group Personal Accident and Business Travel policy, we have partnered with The ANVIL Group, an internationally renowned and accredited security consultancy who works seamlessly with Healix International. The ANVIL Group provides expert travel risk management and global security advice and support to our product. In the event of a security incident, The ANVIL Group has the ability and resources to act quickly, whether it be caused by a political uprising, terrorist act or natural catastrophe. The ANVIL Group offers over 24 years expertise in Travel Risk Management and Crisis Avoidance, and is driven to exceed client expectations in terms of service delivery. For more information please visit We are happy to recommend the additional services that can be provided by both Healix International or The ANVIL Group that could benefit our clients.

12 Accident+Health Mitsui Sumitomo Mitsui Sumitomo Insurance (UK) Our promise to you: We believe in excellence in service, underwriting and claims and our financial strength is complemented by a total commitment to respect, loyalty and integrity. The Mitsui Sumitomo Insurance (UK) Advantage Exceptional financial strength S&P rating A+ Lloyd s Chain of Security Global reach Over 320 offices in more than 40 countries Unrivalled claims service Local autonomy on all underwriting and claims decisions The insurance market s most dynamic and highly qualified Risk Engineering team Mitsui Sumitomo Insurance Underwriting at Lloyd s Ltd, 25 Fenchurch Avenue, London EC3M 5AD, UK Telephone: +44 (0) , Fax: +44 (0) enquiries@msilm.com The shortened names of Mitsui Sumitomo Insurance (UK) and Mitsui Sumitomo at Lloyd s represents Mitsui Sumitomo Insurance Underwriting at Lloyd s Ltd. (MSIUL), managing agency of Syndicate Mitsui Sumitomo Insurance Underwriting at Lloyd s Ltd. - Registered in England No * Mitsui Sumitomo Insurance (London Management) Ltd. - Registered in England No Mitsui Sumitomo Insurance (London) Ltd. - Registered in England No * MSI Insurance Management (Ireland) Ltd (MSIIMIL). - Registered in Ireland No MSI Corporate Capital Ltd. - Registered in England No * Authorised and regulated by the Financial Services Authority Feb 2013