2

Agenda

India

About Apollo Munich

What Problems do we want to solve ?

India is a large country with several country size states

European Country Population (Million)

Germany 82

France 63

Britain 62

Italy 60

Spain 47

Indian States Population (Million)

Uttar Pradesh 197

Maharashtra 112

Bihar 100

West Bengal 90

Andhra Pradesh 84

Is the fastest growing large

economy

INDIA

The outlook for the economy going forward is positive and stableGDP growth rate, percent

2016-17

GDP forecast

estimated at

7.5 – 7.8%

This is driven by continued fundamental strengths as well as changes in political economic situation

4 fundamental strengths will continue to hold fort

07 March 2016 AMHI CONFIDENTIAL 8

India is rapidly going digital

9

60

120

250

0

50

100

150

200

250

300

2012 2015 2020

Total Healthcare Expenditure (Bio. USD)

Total Healthcare Expenditure (Bio. USD)

Source: Techopac PWC

Our parent industry is large and growing

The healthcare industry is slated to become $ 250 Bio. By 2020

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ABOUTAPOLLO MUNICH

Apollo Munich is a Joint Venture between Apollo Hospitals

Groups and Munich Health/Munich Re.

The company commenced business in November 2007.

74% Stakeholder

Asia’s Largest Healthcare Group

Founded in 1983

Unmatched Healthcare Expertise and Deep local

knowledge

Market Capitalization: INR 185.03 Bio. as on Nov 2015

26% Stakeholder

World’s Leading Reinsurance Company

Founded in 1880

Unparalleled Technical skills on Health Insurance

and Deep Global Knowledge

Market Capitalization: Eu. 30.36 Bio. as on Nov 2015

We know healthcare. We know Insurance.

We are India’s third largestprivate health insurance company with over 4 Mio lives insured

Apollo Munich has an incredible opportunity to grow in the INDIAN MARKET

Only about $ 3 Bio. of the healthcare spend is through insurance. The headroom to grow for the health insurance industry and Apollo Munich is significant

We have been growing at a rapid clipEngaged and Committed Employees

Total Manpower 2141

Employees completing 5 years 201

1503 Employees in

sales

We are present across India

Strong and growing branch network

North

West

East

South

32 Branches

12 Branches

31 Branches

25 Branches

Grand Total 100 Branches

Health Insurance Company of the yearby Fintelekt (2014)

Health Insurance Provider of the year by Money Today (2014)

Health Insurance Provider of the year by Hero Cycles (2014)

APOLLO MUNICHIS A DISTINGUISHED NAME IN THE INDUSTRY Positive External Recognitions

APOLLO MUNICHIS A DISTINGUISHED NAME IN THE INDUSTRY Positive External Recognitions

Product Portfolio

First to remove room sub-limits

First to offer guaranteed lifelong cover

First to guarantee no underwriting at renewal

First to offer Maternity cover

First to offer Dental cover

First to offer Optical Cover

First to offer Restore benefit

First to offer Multiplier benefit

First to offer Portability

List of Product Firsts by AMHI

Optima Restore

• - Innovation of the Year – Asia Insurance Review

• - Rated 5/5 Stars by Economic Times/ i-save.com

Easy Health

• Rated 5/5 Stars by Economic Times/ i-save.com

• Rate 9/10 by Hindustan Times (Highest of any product)

Acclaimed Products

Best health insurance plansHealth insurance plans rated by i-Save on the basis of three major parameters.

Top rated health insurance by

independent rating agencies

independent surveys conducted

by i-save/Economic Times &

Hindustan Times

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What Problems do we want to solve ??

How can we use technology & analytics to assess health risk and provide a frictionless experience to customer ?

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How can we encourage healthy living, manage health risks and chronic conditions, so as to lower claims cost,of insured lives ?

How can we use analytics and location based services to detect fraud ?

23

How can we increase price transparency amoung providers ?

How do we assess quality of CARE and link to payments?

How do we use external data to gain superior customer insight ?

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How can we provide a “Simply Outstanding”experience to customers at every touch point in the healthcare and insurance value chain ?

Thank You !!