Unlocking value from digital health, presentation for mHealth Israel, May 19th, 2021, by Somesh Chandra – Chief Health Officer, European Markets, AXA Group. Health expenditure has outpaced economic growth, raising sustainability concerns. Barriers to access persist, particularly amongst the less well-off. Digital health services expected to grow at 21.8% CAGR from 2020-2030, adoption accelerated due to COVID-19 pandemic. 90% of the world's data has been created in the past 2 years. AXA-Microsoft Partnership – Launch of the Digital Healthcare Platform. AXA’s ambition is to be at the heart of the Health Ecosystem to meet customer demands in this new normal world. This Digital Health Orchestration requires close collaboration with all players (services providers, insurers, companies, regulators etc.) of the health industry. AXA Italy Case Study – An integrated, outcome based and personalized journey focussed on solving customer’s health problems. Portal is already live! Solution is live & supporting customers to solve their health needs in Italy & Germany.

1. 1
Unlocking value
from digital health
in the new normal
world
mHealth Israel– 18th May 2021
Somesh Chandra – Chief Health Officer, European Markets, AXA Group

2. Internal
Health expenditure has outpaced economic growth,
raising sustainability concerns
71%
29%
Public sources
Private sources
Health expenditure sources
Over the past 5 years: 2014 - 2019
Source: World Bank, AON, OECD, Pre COVID
20+%
OOP*
Medical inflation growth
Global GDP
growth
+8%
+1-2%
1. Current Health Context
2
* Out of Pocket Expenses
mHealth Israel

3. Internal
28%
People in the
lowest income
giving up care for
financial reasons
25%
Forgoing or delaying
care (unmet need)
21%
Unmet need due to
waiting times
Barriers to access persist, particularly amongst the less well-off
Source: OECD
1. Current Health Context
mHealth Israel
3

4. Digital health services expected to grow at 21.8% CAGR from 2020-2030,
adoption accelerated due to COVID-19 pandemic
mHealth Israel
2. Rise of Digital Health Ecosystems
91%
Of consumers would use
digital health services if the
costs were covered by an
employer or insurance
provider
Source: Bain, Prescient & Strategic Intelligence, McKinsey
46%
Consumer adoption
of telehealth
services in 2020
(vs 11% in 2019)
• Providing tailored healthcare solutions
• Improving access to quality care
• Reducing healthcare expenditure
4

5. 90% of world data has been created in the past 2 years
mHealth Israel Source: Allied Market Research, IORG, Statista, Squirro, Deloitte
Healthcare Big Data
Analytics market
expected to reach
$ 67.2 Bn
by 2025
2010
2015
2020
2025*
Only
1-5%
of all data is
actually used
2zettabytes
12zettabytes
47zettabytes
175zettabytes
1 zettabyte = 10^12 gigabyte
IoHT market is
expanding with over
500 K
medical technologies
currently available
* forecast
5
2. Rise of Digital Health Ecosystems

6. AXA-Microsoft Partnership – Launch of the Digital Healthcare Platform
3. AXA’s approach
Joint CEOs interview: Thomas Buberl & Satya Nadella
mHealth Israel
6
What is it about?
Find out more on AXA.com

7. Flow of
data/information
that feeds :
Connecting services and
insurance data, enabling
seamless customer experiences
and homogenous digital
interaction across the different
services
Connecting services and
insurance data, enabling
seamless customer experiences
and homogenous digital
interaction across the different
services
A
Possibility to create new data by
combining multiple sources,
delivering personal and
population insights (improved
customer knowledge)
Possibility to create new data by
combining multiple sources,
delivering personal and
population insights (improved
customer knowledge)
B
Provide state of the art, scalable
digital health services, often
improvable services (e.g.
Symptom Checker,
telemedicine) leveraging
broader set of data
Provide state of the art, scalable
digital health services, often
improvable services (e.g.
Symptom Checker,
telemedicine) leveraging
broader set of data
C
Electronic
Medical
Records
Electronic
Medical
Records
This Digital Health Orchestration requires close collaboration with all players (services providers, insurers,
companies, regulators etc.) of the health industry.
7
AXA’s ambition is to be at the heart of the Health Ecosystem to meet our
customer demands in this new normal world
Multichannel
Portal
(WeChat app,
portal, chatbot,
app..)
It adapts to the
user context to
offer a
personalized and
relevant
experience
Multichannel
Portal
(WeChat app,
portal, chatbot,
app..)
It adapts to the
user context to
offer a
personalized and
relevant
experience
Connecting health services on a data
regulatory compliant infrastructure and
integrating AI powered scenarios to build
personalized insights
Connecting health services on a data
regulatory compliant infrastructure and
integrating AI powered scenarios to build
personalized insights
Drug delivery
Prevention &
Wellbeing
Core insurance
Others
Symptom checker
TIER
1:
ORCHESTRATION
TIER
1:
ORCHESTRATION
TIER 2: SERVICES
TIER 2: SERVICES
TIER 3: COMMON HEALTH DATA BACKBONE (AI)
TIER 3: COMMON HEALTH DATA BACKBONE (AI)
A
B
C
Telemedicine
mHealth Israel
Member
experience is
fragmented
?
?
?
Talk to a doctor
Medical bills
Orientation
in network
Wellbeing
apps
Advice on
best hospitals
Lifecare services
3. AXA’s approach

8. #4 – Health product
purchase
(e-commerce or agents)
#9– Medical concierge
Sara can access to detailed
information of the medical
structure selected
#8 – Medical structures details
#6 – Teleconsultation integrated
with Symptom checker
Sara wants to
go to a medical
structure
Sara can get a list of healthcare
facilities/specialists, ranked by
location, quality/outcome
performance, waiting time
#10– Voucher
Sara can gain a
voucher to access
discounted rates
#2 – Symptom
Checker
Sara is not a
Health Client
Sara needs to
understand
her diagnosis
Sara already
knows her
diagnosis
#1 – Ad hoc portal
“mobile-first” designed
#3 – Search for best
healthcare facilities
Sara is a
Health Client
Sara can book
appointment thru medical
concierge (phone or online)
#5– Login
integrated
Next best action
(rules based)
AXA Italy Case Study – An integrated, outcome based and personalised
journey focussed on solving customer’s health problems
WHAT’S THE EXPERIENCE?
8
3. AXA’s approach
mHealth Israel
Sara can watch webinar with
the best specialists to increase
awareness on health topic
#11 – Health webinar
#7 – Consultationwith
pharmacists via chat
Sara wants a
consultation

9. AXA Health structures network:
possibility to find on the map the closest
medical structure
12• Medical concierge:
• Assisted booking of medical
appointments
• Access to discounted rates of AXA
Caring network medical structures
for self-booked appointments
11• Teleconsultation service integrated in a
seamless UX:
• Direct re-contact by the
specialists/GPs, skipping pre-triage,
at the time preferred by customer
• Symptom checker report ready to
be shared with the doctor
10• In the private area, clients have all the
Health services in one hand:
‒ Teleconsultation
‒ Medical concierge with discounted
tariffs on our healthcare network
‒ Map of the healthcare network
9 • The re-direction to DHP portal provides
immediate access to the purchased
services.
Already clients can use to login the same
credential of the app MyAXA
8 • …with quick online purchase and/or
lead generation to agencies
7 • … Here is the end of service for free:
complimentary services are available
upon:
‒ Login with MyAXA / Private Area
credentials (Client)
‒ Purchase of telemedicine insurance
product (Prospect)
6 • …to get a report with:
‒ Useful recommendations
‒ List of most probable diagnosis
(with a detailed description)
‒ Level of urgency
‒ ICF on Symptoms Checker experience
5 • Few minutes to answer the Symptom
Checker’s AI questions …
4 Symptom checker service open to all
users:
• Clients
• Prospects
3 • Here all AXA Health services come in
one-hand!
• Symptoms checker
• Teleconsultation
• Medical concierge
• Direct access to Health e-commerce
2 • On the public portal AXA.it, a
dedicated banner leads directly to the
Health portal homepage
1
Our Health portal is already live!
mHealth Israel
9
Solution is live & supporting customers to solve
their health needs in Italy & Germany
3. AXA’s approach