Establishing USA/North America September 28, 2011

1. Establishing USA/North AmericaSeptember 28, 2011 Elisabeth Gertz Key Account Manager Eva Åkesson Key Account Manager will become

2. Europeiska • Specialist insurance company for 90 years • Leisure and Business travel insurance incl. Expatriate insurance • 100 employees in Sundbyberg • 8 000 corporate clients • 8 of 10 company on the Swedish stock exchange • 40 000 claims per year • Part of a network of insurancecompaniesowned by Munich Re ) ) ) ) ) ) ) will become

3. Group Structure • The Europeiska brand exists in more than • 20 countries. • ERV is our German mother company and one • of the leading European travel insurance companies. • Munich Re is one of the largest insurance • groups in the world. It reinsures 5,000 insurance • companies in 150 countries. ) ) ) will become

4. Insurance Concept Business Travellers < 180 day consecutive travel days Expatriates – employees incl familymembers on contract > 180 days Scandinavian medical health care and service providing security to employees Insurance Proactive services Country information Online Network of medical provider Medical and psychological health advice line Claims handling by local office ) ) ) ) ) )

5. Insurance Cover • Business travellers • Comprehensive travel and medical insurance worldwide • Illness and accidental injuries • Lost luggage • Dealyed luggage • Crisis therapy • Compensation in case of death or disability due to • accident and illness • Brochure - Good Advice when on business travel ) ) ) ) )

6. Insurance Cover Expatriates International medical health insurance Dental Privat and Business travel Property Crisis therapy Compensation in case of death and disability due to accident and illness Welcome package for new expatriates ) ) ) ) )

7. Our Global Network Cost containment, knowledge, experience & commitment

8. Local Service and Claims Offices 16 local offices worldwide 130 employees – local and international – with thorough local knowledge Multiple language skills Process approx. 160,000 cases per year Provider networks within the geographical area Negotiate with providers for discounts Excellent Health Care for the right price ) ) ) ) ) ) )

9. Local Service and Claims Office The USA service office 13 employees - mainly Scandinavian/European Function as an integrated service company for 24/7 assistance and medical cost containment Strong knowledge of providers Expertise in local, national and international health care environments Large PPO network ) ) ) ) )

10. PPO Provider Network by State 3164 32 654 7 31,214 97 5,101 22 1,342 26 1,108 12 29,625 87 10,966 71 7,851 51 49,777 217 13,560 112 3,043 14 1,462 24 469 22 19,579 109 262 7 14,516 32 51,117 192 9.601 80 2,918 49 5,864 33 39,793 184 32,426 97 14,455 116 422 6 35,771 187 6,287 31 14,891 69 6,752 57 12,540 70 76,874 346 6,957 106 9,943 88 17,534 48 17,544 109 7,864 37 15,403 92 18,511 124 6,182 101 16,419 67 7,919 55 5,511 36 5,617 79 7,941 86 19,471 127 93 7 11,983 131 Practitioners (Primary & Specialist) Hospitals 48,971 387 62,878 203 1,960 11 For example, Texas has more than 48,000 providers in network Source: HAA Preferred Partners LLC

11. Online Provider Search • 100 anställda, i Sundbyberg

12. Online Provider Search Map of provider’s location is provided via Google Maps. Doctor’s information is listed below and information on page can be printed.

13. Vision and Goal Europeiska should remain the leading travel insurance provider. Our goal is to be the best supplier of travel security before, during and after the trip through the provision of unique service all over the world.

14. Thank you for your attention Elisabeth Gertz Key Account Manager Eva Åkesson Key Account Manager will become