"eHealth at Allianz Group". Presentation by Steffen Krotsch, Head of Innovation at Allianz Group, June 29, 2015

1. eHealth at Allianz Worldwide Partners
Jerusalem, June 29, 2015

2. 2
As Allianz we are …
All figures as per December 31, 2013
 servicing over 83 million customers in over 70 countries
 among the top 30 of the world’s largest corporations based on revenues
 among the largest insurers based on market cap
 the leading property-casualty insurer globally
 among the top 5 in the life/health insurance business
 the worldwide leader of travel insurance,
assistance services and personal services
 the leading strategic partner to the automotive industry,
serving over 40 car brands in more than 25 countries
 the global leader in credit insurance
 one of the largest asset managers in the world
 among the top 5 in the industrial insurance business

3. 3
©CopyrightAllianzWorldwidePartners
• Insurance for Travel and Automotive (e.g. travel,
service and emergency call, road side assistance)
• Assistance for Travel, Automotive, Home, Health
(e.g. travel assistance, home assistance)
• Health services for health insurers, corporations
and public institutions (e.g. Medi24)
• International health cover for expatriates and
travelers
• International accident, disability, life and assistance
covers
• Expatriate/ traveler services
• Motor insurance and adjacent products via B2B2C
(e.g. motor cover, roadside assistance, guaranteed
auto/ asset protection (GAP), payment protection
insurance (PPI), extended warranty)
Companies and scope Main Offers
 ~11.000 employees
 28 operating countries
 Helpline in 40 languages
 Extensive partner network
 650 employees
 Helpline in 7+
languages
 Extensive
partner network
 150 employees
+ local AZ OEs
 28 operating
countries
Common
global
platform
Auto-
motive/
Assis-
tance
bundles
Int.
Health/
Services
bundles
Allianz Worldwide Partners at a glance

4. 4
AWP | Allianz Global Assistance: who we are
135
correspondents
worldwide
1
action every
2 seconds
180
countries
covered
24/7
assistance
10 000+
employees
40
spoken
languages
600
medical
coordinators
150
doctors
300
nurses &
paramedics
1,050+ highly
skilled people
dedicated to medical
• Prevention & disease management
• Tele-advice / triage services
• Second medical opinion
• Medical screening
• Tele-assistance
• Health TPA
• Students travelers

5. 5
Healthcare markets are developing fast…
Hospitals
• Need to optimize occupancy and
revenue per patient
• Outcome-based payments and
penalties on re-admission are a
challenge
Ambulatory / Outpatient services
• GPs distributed unevenly across the
countries, concentration in cities
• Access to specialty medicine is difficult
• Telemedicine is evolving
Pharma
• Outcome-base payment requires
patient-centric measurement and
services (cross countries & even
internationally)
Tech/ Tele health providers
• High investment and M&A activity, high
revenue multiples paid
• Some consolidation in the market,
driven often by payers
Insurers/ Payers
• Differentiation important to attract
good risks or to better existing risk –
using health management services
(e.g. Vitality)
• Urge to control/contain claims cost by
adding features /steering mechanisms
to tariffs (e.g. patient journey mgt.,
drug observance, treatment
efficiency)
• Positioning towards „health insurance“
(vs. sick pay fund)
Employers
• Control health cost inflation (e.g.
offering medical Triage)
• Invest in occ. Health to retain
employees (e.g. importance of
corporate benefits in China)
Patients
• Trend to „quantified self“ and more
responsibility for own health
• Increased co-pay in healthcare
• Trend to online and instant interaction
Supply Demand
• move towards outcome-based payments – thereby creating
new incentives for providers (e.g. ACO in US)
• push for co-pay by corporates and patients and to distribute
burden (e.g. ANI in France)
• push for prevention measures to move spending away from
„diseases“ to early stage (e.g. prevention law in Germany)
• push for re-imbursement and legal admittance of tele health
services
• Push for unified electronic patient standards/records across
payers/providers
Regulators
• Ubiquitous connectivity enables widespread usage of
telehealth applications
• Cost of devices/hardware decreasing and battery life
increasing enables broad adaption
• Vast innovation in devices and applications enabled by
heavy investment value
• However, device-only business models do not generate
enough retention (very fragmented market)
• Predictive data models still immature but identified as core
capability in future healthcare
Technology
Tele health
market
drivers

6. 6
Wellbeing /
Prevention
Out-patient /
Ambulatory Care
Inpatient /
Hospital Care
…and thereby open opening a lot of value creation opportunities
Disease
Management
• Public Payers & Corporates increase prevention spend
• Prevention used as differentiation tool by private payers
• Patient co-pay and “quantify self” support programs
• Device-based services (Device-only retention does not work)
• Manage chronic patient ecosystem to avoid acute episodes
• Optimize treatment through Patient follow-up and
Observance programs
• Exploit Big Data and develop predictive algorithms
• Mitigate the risk of penalties for patient re-admission
• Support to HC providers to move to outcome-based pay
• Reduce Waste in out-patient system (e.g. people go to multiple
GPs and / or retake same tests, exams)
• Develop solution to increase GPs reach and facilitated
access to specialists

7. 7
Patient Centric Service Approach
… which we translated into an aggregation approach
What’s in it for B-client?
Outpatient /
Ambulatory Care
- Medical Advice / Triage
- Network Steering
- Telemedicine
Inpatient /
Hospital Care
- Hospitalization preparation
- Post discharge services
- post-discharge Tele-
monitoring
Wellbeing /
Prevention
- Heath coaching
- Corporate Benefits
- Medical Risk Evaluation
Disease
Management
- Chronic Patient Health
Ecosystem Management
- Specific programs (e.g.
diabetes, hypertension…)
Medical Protocols
Data Analytics
 Payers
- Improved quality and efficiency (claims
cost) of care by managing patients along
care pathway
- Differentiated products by innovative care
approaches (e.g. telemedicine, prevention)
- Better manage the health condition of the
populations they cover
 Providers (e.g. hospitals)
- Better support patients after they have
been discharged
- Reduce readmissions
- Ensure optimal use of staff with
Telemedicine
 Employers
- Improved employees’ health condition
and productivity, reduced absences
- Optimal use of different care solutions
- Better support, reward and retain
employees

8. 8
©CopyrightAllianzWorldwidePartners
TRIAGE
PLATFORM
EMERGENCY
 Emergency Dispatch Process
MEDICAL ADVICE
 no particular immediate action
NETWORK STEERING
 Network Steering Process
MEDICAL HOME VISIT*
 Home Visit Dispatch Process
Prescription
Group
Medical
Triage
Software
Service
Care Access
Nurses (L1)
Doctors (L2)
Symptoms
Recommendation
Medical
Diagnosis
Medicine
delivery
Laboratory tests
Example: Patient Journey Management
Triage
Home Visit
SECURE HOME
 Outbound Calls
Secure Home
Propose it to
Target Segment
Organize the
inspection

9. 9
©CopyrightAllianzWorldwidePartners
Differentiators
Digital and Personal
Delivery
Example: multimodal prevention programs
Prevention programs
App
Devices
Personal
Coach
Back Pain
Heart Health
Stress/ Burn Out
Customers
Occupational health
Healthcare payers
Healthcare providers
 Reduce absence
 Increase productivity
 Augment employer
branding
 Lower costs
 Enhance services
 Improve treatment
 Lower claims cost
 Augment service
offering
 Amplify customer
retention
Personal
+
+

10. ©CopyrightAllianzWorldwidePartners
Prevention: sustainable change of lifestyle based on
medical protocols
Defined protocols
with variation in
intensity related to
user needs
Sustainable
change of
behavior
Weight / BMI
Incident area
Therapeutic
approach
Coaching
intensity
Hypertension
High Cholesterol
Nicotine misuse
Activity
Nutrition
Motivation
Capability
Knowledge
Standard group
Highriskgroup
Triage
Sustainable
change of
behavior
Defined set of
outbound calls
Incominguser/employeestoPHSprogram
(=100%)
12 wks
program

11. ©CopyrightAllianzWorldwidePartners
Allianz Worldwide
Partners helps
every 2 seconds