Conference Call 3Q 2012

Conference Call 3Q 2012 November, 2012 Privado y Confidencial 1

Disclaimer This presentation may include market outlooks and forward-looking statements, which are based on the beliefs and assumptions of ILC s management and on information currently available to the Company. They involve risks, uncertainties and assumptions because they relate to future events and therefore depend on circumstances that may or may not occur in the future. Investors should understand that general economic conditions, industry conditions and other operating factors could also affect the future results of ILC and could cause results to differ materially from those expressed in such forward-looking statements. This presentation contains certain performance measures that have been adjusted with respect to IFRS definitions, such as EBITDA. Privado y Confidencial ILC Page 2 2

Highlights Estrictamente Privado y Confidencial On July 20 th we placed our IPO, the largest in the Chilean history The IPO totalized US$ 468 million 30,0% 25,0% 20,0% 15,0% 10,0% 5,0% Evolution of the stock price 22.5% Price per share at IPO: $7,061 (US$ 14.5) 0,0% 19-07-2012 02-08-2012 16-08-2012 30-08-2012 13-09-2012 27-09-2012 11-10-2012 25-10-2012 08-11-2012 22-11-2012-5,0% -10,0% IPSA ILC -5.9% 28.4% performance difference as of November 26th, 2012 Results as of September 2012 compared to the same period of last year Net Income 21.9% higher Due to the better results of AFP Habitat, Red Salud and Vida Cámara Operating Result 6.9% higher Due to the better operating results of AFP Habitat, Red Salud and Vida Cámara Non Operating Result 360% higher Due to the higher financial income attributable to better results of Habitat s encaje and the financial investments of ILC Privado y Confidencial ILC Page 3 3

Company overview We are a leading provider of retirement, insurance and private healthcare services in Chile through a group of best-in-class businesses For September 30 th, 2012 Revenues Net Income Ownership Retirement and Life Insurance Sector Pension funds administration (AFP) Supplemental health and voluntary life insurance US$ 193 mm US$115 mm 67.5% US$ 198 mm US$ 46 mm 99.9% Healthcare Sector Health insurance institution (ISAPRE) Hospital healthcare services Outpatient healthcare services US$ 432 mm US$ 254 mm US$ 18 mm US$ 5 mm 99.9% 89.9% Other Businesse s and Real Estate Network of nine private schools and one subsidized private school IT and outsourcing services US$ 25 mm US$ 1.4 mm 99.9% 32.9% Note: Amounts stated in U.S. dollars have been translated at the exchange rate of CLP 470.48 per USD, which was the official rate certified by the Central Bank for September 28, 2012 Privado y Confidencial ILC Page 4 4

Our Business Privado y Confidencial 5

Habitat Income Statement (Ch$ mm) Sep 12 Sep 11 Var. % Revenues 90,763 Cost of sales - Gross Profit 90,763 85,472-85,472 6.2% - 6.2% SG&A (32,224) (30,450) 5.8% Operating Income 58,543 55,159 6.1% EBITDAE* 66,267 60,980 8.7% Net Income 54,572 42,246 29.2% * EBITDAE calculated as profit before tax minus depreciation, finance cost, other non operational cost and financial income due to Habitat s encaje Revenues increased 6.2% due to higher number of contributors and salaries increased of Habitat contributors SG&A increased 5.8% due to higher number of administrative workers The encaje result increased 229.5% compared to the same period of the last year Privado y Confidencial ILC Page 6 6

Habitat: Operating data Dec - 11 Sep - 12 Market Share N account holders N contributors 2,167,343 1,247,369 2,154,399 1,237,602 Contributors / Account holders 57.6% 57.4% Assets under management (MM Ch$) 17,893,163 19,318,525 23.4% 24.4% 25.8% Assets under management Contributor average salary Ch$ million Ch$ Fund type E Fund type D Fund type C Fund type B Fund type A 2.483.324 2.590.247 7.436.822 3.716.653 3.091.479 0 2.000.000 4.000.000 6.000.000 8.000.000 600.000 580.000 560.000 540.000 520.000 500.000 480.000 460.000 440.000 420.000 400.000 572,212 CAGR: 8.0% 523,877 544,225 475,543 507,869 442,068 429,414 471,108 442,013 429,034 Dic 08 Dic 09 Dic 10 Dic 11 Sep-12 Industry Habitat Privado y Confidencial ILC Page 7 7

Consalud Income Statement (Ch$ mm) Sep 12 Sep 11 Var. % Revenues 203,344 Cost of sales (166,974) Gross Profit 36,370 180,322 (149,648) 30,674 12.8% 11.6% 18.6% SG&A (27,227) (25,089) 8.5% Operating Income 10,390 6,548 58.7% EBITDA* 13,154 9,212 42.8% Net Income 8,591 6,456 33.1% * EBITDA calculated as profit before tax minus depreciation, finance cost and other non operational cost Revenues increased 12.8% due to higher number of contributors and health plans indexed to the CPI Cost increased 11.6% mainly due to higher prices charged in the private hospitals SG&A increase 8.5% due to higher cost of sales force and advertisement expenses Privado y Confidencial ILC Page 8 8

Consalud: Operating data Estrictamente Privado y Confidencial Dec- 11 Mandatory contributions (Ch$ million) Voluntary contributions (Ch$ million) 182,697 62,748 Others (Ch$ million) 3,353 TOTAL (Ch$ million) 248,798 Sep -12 (LTM) 204,226 69,009 4,530 277,766 Contributors Beneficiaries N Contributors Revenues / Contributor (Ch$) 350.000 340.000 330.000 320.000 310.000 300.000 290.000 280.000 304,601 712,082 330,845 739,364 345,629 774,348 Dec-10 Dec-11 Sep-12 (LTM) 780.000 770.000 760.000 750.000 740.000 730.000 720.000 710.000 700.000 690.000 680.000 N Beneficiaries 670.000 660.000 650.000 640.000 630.000 620.000 610.000 600.000 590.000 580.000 570.000 605,937 357,960 639,776 382,345 659,371 405,898 Dec-10 Dec-11 Sep-12 (LTM) Revenues / Beneficiary (Ch$) 410.000 400.000 390.000 380.000 370.000 360.000 350.000 340.000 330.000 Privado y Confidencial ILC Page 9 9

Red Salud Income Statement (Ch$ mm) Sep 12 Sep 11 Var. % Revenues 119,534 Cost of sales (93,896) Gross Profit 25,637 99,113 (77,654) 21,459 20.6% 20.9% 19.5% SG&A (19,493) (17,888) 9.0% Operating Income 6,144 3,571 72.1% EBITDA* 14,331 9,659 48.4% Net Income 2,137 429 398.0% * EBITDA calculated as profit before tax minus depreciation, finance cost and other non operational cost Revenues increased 20.6% due to higher activity in Bicentenario and Avansalud Costs raised 20.9% due to higher operation in Bicentenario and Avansalud SG&A increased 9.0% explained by higher expenses in Bicentenario due to its increased operations Privado y Confidencial ILC Page 10 10

Red Salud: Operating data Estrictamente Privado y Confidencial Dec-11 Admissions Emergency room visits 37,987 90,555 Surgeries 39,151 Patients days 89,418 Sep-12 34,910 81,387 36,483 89,166 Includes Bicentenario, Avansalud, Tabancura and Iquique hospitals Sep - 12 Average occupancy rate Average length of stay (days) Tabancura Avansalud 73.8% 53.6% Bicentenario 60.2% Iquique 57.0% 3.14 1.36 3.00 2.57 Ch$ million Ch$ million 28.000 23.000 23,635 27,695 25,656 23,510 23,686 180.000 160.000 140.000 18.000 13.000 19,035 13,725 11,398 120.000 100.000 80.000 60.000 78,645 86,123 94,609 8.000 3.000 5,846 6,234 5,865 Tabancura Avansalud Bicentenario Iquique 40.000 20.000-47,816 59,750 28,469 Dec-10 Dec-11 Sep-12 (LTM) Dec-10 Dec-11 Sep-12 (LTM) Hospital revenues Outpatient revenues Privado y Confidencial ILC Page 11 11

Vida Cámara Income Statement (Ch$ mm) Sep 12 Sep 11 Var. % Revenues 92,967 Cost of sales (64,721) Gross Profit 28,247 110,614 (82,445) 28,169 (16.0%) (21.5%) 0.3% SG&A (4,742) (1,382) 243.2% Operating Income 23,505 26,788 (12.3%) EBITDA* 26,871 30,452 (11.8%) Net Income 21,579 24,699 (12.6%) * EBITDA calculated as profit before tax minus depreciation, finance cost and other non operational cost Revenues decreased 16.0% mainly because the company stopped supplying the D&S insurance, this was partially compensated by the launch of supplemental health insurance Costs decreased 21.5% as a result of lower reserves explained by the termination of the D&S insurance SG&A increased 243.2% due to higher sales force related to new business lines Privado y Confidencial ILC Page 12 12

Vida Cámara: Operational data Jan - 12 Beneficiaries complementary health insurance 1,376 Sep- 12 Beneficiaries complementary health insurance 130,115 Evolution of the new beneficiaries in the supplemental health insurance for the year 2012 Number of beneficiaries 140.000 120.000 100.000 80.000 60.000 40.000 20.000-130,115 117,394 97,913 71,400 34,311 41,626 15,801 1,376 5,957 January February March April May June July August September In average 14,000 new beneficiaries per month Privado y Confidencial ILC Page 13 13

Other business Income Statement Ch$ mm Revenues Cost of sales SG&A Sep 12 11,839 (4,734) Gross Profit 7,105 (5,161) Operating Income 2,027 Sep 11 10,180 (4,022) 6,159 (4,622) 1,583 Revenues increased 16.3% due to higher number of students and higher outsourcing services Costs increased 17.7% due to higher salary expenses in both business EBITDA* 2,783 2,248 23.8% SG&A increased 11.7% due Net Income 656 (153) * EBITDA calculated as profit before tax minus depreciation, finance cost and other non operational cost Var. % 16.3% 17.7% 15.4% 11.7% 28.0% 528.6% to higher expenses in maintenance and administration Sep - 12 N of private schools N of subsidized schools 9 1 Privado y Confidencial ILC Page 14 14

Financial Summary Privado y Confidencial 15

Consolidated financials Sep 2012 CAPEX Ch$ million 25.000 20.000 15.000 10.000 5.000-20,551 19,536 15,852 Dec-10 Dec-11 Sep-12 (LTM) Financial Debt Million USD SHORT TERM Bonds Sep 12 58.8 3.2 Bank loans 26.5 Leasing in UF 29.2 LONG TERM Bonds 399.3 210.2 Bank loans 82.6 Leasing in UF 106.2 The financial debt related to ILC is US$ 118 million EBITDA composition by business Net Income Sep 2012 Vida Cámara 21.7% Others 2.5% Ch$ Million 80.000 70.000 60.000 50.000 40.000 54,908 24.699 21.9% 50.1% 66,926 21.579 Vida Cámara Net Income Red Salud 11.6% Habitat 53.6% 30.000 20.000 10.000 30.209 45.347 Consalud 10.6% - 3Q11 3Q12 Privado y Confidencial ILC Page 16 16

Conference Call 3Q 2012 November, 2012 Privado y Confidencial 17