Insurance Worth Buying Neosurance is an insurtech startup that helps you engage and monetize your digital customers, delivering the best insurance experience where and when it matters most. With our help the insurer is capable of coming up with the right insurance proposition precisely when the client needs it, without even having ask for it. A highly personalized push offer on one's smartphone according to the single individual and its context. Imagine you’re a tourist landing in London and you forgot to previously buy a travel insurance: no problem, a personalized notification arrives on your device asking if you want to get insured in a few steps directly from your device. Easy, fast, comfortable The push notifications are sent to the users in an intelligent way thanks to our AI machine learning system which bases its knowledge on contextual data. Our approach is B2B2C, based on IoT data and Artificial Intelligence in order to apply the nudges theory to the insurer’s needs - that is, micro insurance delivered via push offers that are highly personalized according to the single individual’s context. The AI component perfects the knowledge on insurable moments and on personal behavior in order to sell the right cover at the right moment in the most effective way.

1. www.neosurance.com | info@neosperience.comNeosurance
December 2016
Neosurance.
Insurance Worth Buying.
We help you engage and monetize
your digital customers, delivering
the best insurance experience
where and when it matters most.
Neosurance www.neosurance.eu | info@neosurance.eu

2. Neosurance
https://vimeo.com/neosperience/neosurance

3. Neosurance
Mobile devices are a pervasive element in the daily lives of
insurance customers, but they are poorly leveraged by insurers.
The insurance need is often not perceived until a claim occurs.
It is a rational purchase rather than an impulsive one.
When not compulsory, the insurance purchase is stimulated by the
sales speech of an intermediary.
Neosurance delivers the right insurance at the right time: great
customer experiences that meet customer needs
and drive the use of mobile insurance.
1. Problem
“There are going to be seven billion smartphones
in everybody’s hands in the next five years. Now,
everybody is a digital customer, so doing things
digitally is no longer a niche. Doing things digitally
is how the entire world communicates.”
- Angela Ahrendts, Head of Retail Apple

4. Neosurance
Neosurance is the customer-centric mobile insurance
platform that delivers the best insurance experience to:
• Protect the customer
Where and when it matters most.
• Add value to the insurer
With a plug-and-play platform that proposes triggers-pushed
micro-policies through smartphone notifications.
• Disrupt the insurance sector
Thanks to a Virtual Insurance Agent - delivered
as-a-service and paid on performance - reliable, scalable,
flexible and easily customized to specific insurer’s needs, with
a safe and robust evolution path, constantly evolving with new
features, enabling a recurring revenue model.
2. Solution
Smart
Commerce
Place
Explorer
Customer
Assistant
Customer
Generator
Insight
& Analytics
Right-Time
Personalization
Gamification
Product
Discoverer

5. Neosurance
3. Market size
An immense opportunity
• $5 Trillion Addressable
Market, rapidly losing
Silent Generation, Baby
Boomers and Generation
X, shifting to Generation
Y and Millennials mobile
purchase habits
(75% by 2025).
• Additional $3.5 Trillion
protection gap
blue ocean opportunity.

6. Neosurance
Customer perspective
• “It’s already there”
When I need protection.
• “They notify me about my
protection needs”
Personalized, Relevant,
Effective.
• “I buy it”
Conveniently, on my
smartphone.
4. Product
Insurer Perspective
• Untapped business
opportunity
Close to my customers,
closing the protection gap.
• Consistent profitability
Moral hazard avoidance.
• A digital insurance
salesforce
Artificial Intelligence-powered
virtual insurance, to tame the
Generation Y and Millennial
shift.
Customer
insight
Personalized
protection
Nudging

7. Neosurance
Sarah lands in New
York for a casting
An app embedding
Neosurance's SDK
delivers a push
notification to offer her a
temporary health cover
Sarah purchases a 48h
protection with just one
tap
John has decided to play
soccer with friends
tonight
A few minutes before the
match, Neosurance’s
SDK sends him an offer
for an hour coverage
John purchases an hour
protection to cover the
match
Matthew buys his new
television on Amazon
Neosurance’s pop up
informs Matthew that 2%
of the television
worldwide are hit by
lightnings
Matthew purchases a
coverage on his
television against
lightnings
4. Product - Use Cases

8. Neosurance
> slide to unlock
Models Corner 1 min ago
Jane, in one hour you will be flying to
New York. Why not protect yourself
with a health insurance coverage for
the next three days for only € 3?
slide to view
Demo
Sarah lands in New
York for a casting
app embedding
surance's SDK
elivers a push
ation to offer her a
rary health cover
Sarah purchases a 48h
protection with just one
tap
John has decided to play
soccer with friends
tonight
A few minutes before the
match, Neosurance’s
SDK sends him an offer
for an hour coverage
John purchases an hour
protection to cover the
match
Matthew buys his new
television on Amazon
Neosurance’s pop up
informs Matthew that 2%
of the television
worldwide are hit by
lightnings
Matthew purchases a
coverage on his
television against
lightnings

9. Neosurance
Neosurance has already proved itself as the best-in-class
player, and it is supported and awarded:
• Already signed first two contracts with Tier 1
International Insurers, under discussion with:
10+ Leading Insurers in Europe and Asia, 2 Global
Reinsurers.
• Winner of Medici TOP 21 Insurtech Award, Insurance
IoT Europe Award, AXA Insure Lab Contest, Aviva
Digital On Award.
• Based on Neosperience (Top Innovator 2014; Gartner
Cool Vendor); co-founded by Digital Tech International
(prototype validated by 40+ insurers in the last 12
months); participating in the Ania-Bain Connected
Insurance Observatory.
5. Validation
Neosperience in 2014 has been
selected as the most innovative Italian
company, receiving the most
prestigious prize awarded annually by
the President of the Italian Republic.
The Neosperience platform has proven
its excellence over the years getting
the most important awards in the
world of technology, including:
• 2015 Aviva Digital On
• 2014 GrandPrix
• Gartner Cool Vendor 2013
• Red Herring Top 100 Global 2013
• IAB Mixx Award 2013
• Red Herring Top 100 Europe 2012
The push sales of micro-insurances
has been successfully launched by
Tokio Marine years ago in Japan
(multiple use cases including one-
day auto insurance).
Outcomes: operating since 2010
with 55M customers; strong brand
recognition; good conversion rate
into annual policies; 160x number
of annual policies (~ same
monetary amount); loss ratio
slightly lower than normal auto
insurance.
Neosperience in 2014 has been
selected as the most innovative Italian
company, receiving the most
prestigious prize awarded annually by
the President of the Italian Republic.
The Neosperience platform has proven
its excellence over the years getting
the most important awards in the
world of technology, including:
• 2015 Aviva Digital On
• 2014 GrandPrix
• Gartner Cool Vendor 2013
• Red Herring Top 100 Global 2013
• IAB Mixx Award 2013
• Red Herring Top 100 Europe 2012

10. Neosurance
6. Competition
Push sales
Pull
Stand alone
solution
Plug & Play
for partners
Sales
approach
Distribution model

11. Neosurance
We apply a 30% markup on the wholesale premium.
Our plug-and-play partner-friendly module sells
insurances through a twofold push-based cognitive model
and mobile SDK:
• To leverage existing communities’ digital customer
journey
• To enable cross-selling in insurers’ apps
7. Business model

12. Neosurance
7. Business model - Leveraging existing communities
• The opportunity to realize the cross-selling opportunity, that insurers never materialized
• A best-in-class approach to embed a cross-selling capability in the insurer’s front end
• Easily integrated into existing apps and website, with no need to dedicate internal resources
• An initial set of compelling use cases taking into account location, context and behavior
• Use cases evolve over time, enriching with new
capabilities to further increase the insurer’s cross-selling
capabilities
• The SDK adds triggers based on additional data
sources such as IoT, social networks, messaging
agents (i.e. chatbots)
• If needed, we can assist insurers in closing
the gap of their mobile touchpoints

13. Neosurance
• Go to market ready
• Models Corner (1,5k international Top Models), insured by a Tier 1 Global Insurer
• Signed communities, under development
• Runners in Malaysia (12k users)
• Cyclists (undiscl.)
• Car telematics (1k users)
• Gym (undiscl.)
• Registered trademark, .eu, .it, social media and contiguous domain names, biggest digital insurers
professional community
• 50,000+ on InsurTech News
and Digital Customer Experience blogs
• 20.000+ LinkedIn, Twitter
and Facebook followers.
7. Business model - Cross-selling in insurers’ customer journey
Agreed, yet to sign
• Tour operator (400k users)
• Auto concierge (20k users)
• Soccer in Singapore (11k users)
• Airport in Italy (undiscl.)

14. Neosurance
CustomerEngagementBuilder
DCX Engines
Context Engine
Customer Insight
Engine
Analytics Engine
Base Services
Event Stream Bus
API
XObject
API
XSearch
API
XLink
API
XSchema
API
XApplication
API
XIdentity
Application Services
API
Customer
API
Context
API
Card
API
Store
API
Game
API
Coupon
API
Wishlist
API
Showroom
iOS, Android, Web Clients
Neosperience Cloud SDK
VIEW
Customer
VIEW
Context
VIEW
Card
VIEW
Store
VIEW
Game
VIEW
Coupon
VIEW
Wishlist
VIEW
Showroom
EnterprisecloudServices
Custom
Integrations
Systems
of Record
Subscription
Management
Partner Ecosystem
Network
Customer Facing App
8.TechnicalArchitecture

15. Neosurance
Customer Insight Engine
Marketers think in terms of Buyer Personas,
but building an efficient segmentation
of customers into these categories is not
easy for many of users.
Thanks to a deep and dynamic
psychological model that extracts
meaningful patterns from the gathered data,
Neosperience Customer Insight Engine
builds the exact Buyer Personas profile
related to a particular customer, involving
static and dynamic (through time) sentiment
analysis thanks to information acquired from
their profiles, matched to their purchase
behavior. Dimensions include Personality
(big five), Need for Cognitive Closure
vs. Ambiguity Tolerance, Locus of Control.
Analytics Engine
Customer interaction with DCX objects
deployed to every channel produces a
continuous stream of uncorrelated data; that
has to be crunched and aggregated into
meaningful metrics.
Neosperience Analytics Engine provides a
marketing aware layer of abstraction over
acquired metrics and customer behavior
trends, composing a synthetic view of the
customer, providing organization with a
dashboard of relevant metrics such as ARR,
Churn Rate, Conversions and overall
AARRR.
Context Engine
Customer contextual information and
behavioral trends allow to model customer
actions towards the brand, to predict
actions.
Neosperience Context Engine builds a real-
time model of the customers’ behavior,
detecting recurring patterns of actions
related to contextual factors (time of the
day, day of the week, weather, etc.)
performing a temporal analysis involving
multi-dimensional pattern recognition
through deep learning. Collected data allow
to proactively suggest the next best action
or the next product recommended at the
right time.
8.TechnicalArchitecture

16. Neosurance
9. Team
Dario Melpignano
Co-founder of Neosperience, serial
entrepreneur with 2 successful
exits completed (Datanord and
FullSix).
Alex Karpov
IOS developer
and software
engineer.
Luciano Pezzotta
Strategy and innovation expert,
15+ years of consulting, Blue
Ocean Strategy Lead
Consultant for Asia-Pacific.
Francesco Corea
Experience in technical consulting and data
science. He leads all the operative efforts.
Andrea Silvello
Founder of 3 start-ups, 15+
years of experience in
strategy consulting, including
Bain & Company and BCG.
Sandro Repetti
Neosperience’s Chief
Experience Officer, has
20+ years experience in
web and mobile
applications.
Celia Clinciu
Digital Strategy
Consultant at
DigitalTech, has skills
in web and mobile
development projects.
Narciso Podda
Strategy consultant with a deep
knowledge of Asia-Pacific
markets and economics.
Shareholder
andboard
ManagementOperations
Asian Team
Simone Valenti
Android
developer and
software
engineer.

17. Neosurance
www.neosurance.eu | info@neosurance.eu