Antaé

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OUR INDUSTRY OF EXPERTISE

Þ CONSTRUCTION

Þ TELECOMMUNICATION

Þ LOGISTICS

Þ ENERGY - OIL & GAS

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Allianz Worldwide CareThe worldwide recognised specialist in international health insurance

Hiscox The world leader for kidnap and ransom insurance

Zurich International LifeA leading provider of international group protection and retirement savings plans

Our partners

is a comprehensive Swiss insurance solution designed for companies which have expatriate em-ployees or on an assignment abroad. ScoreExpat covers employees and their families of all natio-nalities, for either short or long term assignments and either worldwide or in a region of your choice. ScoreExpat offers the facility to cover your expatriates, Third Country Nationals, local employees with or without basic medical insurance. We can also cover your multinational employees in Swit-zerland in addition to the compulsory local health insurance.

ScoreExpat offers you a simple, carefree solution with à la carte benefits so that you can create an insurance scheme that best suits your needs and those of your expatriate staff.

ScoreExpat is composed of:• A core plan: an international medical plan including 2 modules and several formulas plus a com- prehensive assistance and repatriation cover.• Optional plans: a dental cover, an international group protection plan, an international retire- ment savings plans and a kidnap & ransom cover.

ScoreExpat covers your expatriate employees for a minimum period of one year and can be taken out up to 70 years old. We offer also the facility to cover short term assignment for medical benefits only.

Antaé has joined forces with Swiss and international partners at the forefront of their fields, all of them market leaders, in order to design an innovative, reliable and sustainable international insu-rance solution for companies and their expatriate staff.

ScoreExpat

OUR MISSION, TO SUPPORT YOUR EMPLOYEES.OUR COMMITMENT, TO PROTECT THEM.

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International insurance coverage requirements vary according to the employees concerned, the destination country and the human resource strategy of the company. Every family has its own specific needs depending on the age of its members, their occupations and their lifestyles. This is why we have designed a group insurance solution that offers a wide range of à la carte benefits and services. In this way, your company can create its own tailored plan which exactly meets your needs and those of your employees and which falls within your budget criteria.

Our “Made in Switzerland” package offers you and your employees a guarantee of the quality of our services and benefits.

ScoreExpat, a tailored Coverage

Design your tailored ScoreExpat group plan

1. Select your core plan

• A choice among 4 currencies (CHF, $, £, ¤)

• A choice among 5 in-patient plans

• A choice among 4 out-patient plans

• A choice among 5 deductibles

• The assistance & repatriation package is included

2. Select your additional insurances

• Dental cover

• International group protection

• International retirement savings plan

• Kidnap & ransom

PREMIER EXECUTIVE CLUB CLASSIC ESSENTIAL

SILVER BRONZE CRYSTALGOLD

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The ScoreExpat product rangeThe ScoreExpat product range covers your local, expat and mobile employees:

Þ Mission ß Local employees à Expatriate employees

Scoreexpat coverS all your employeeS, whatever their StatuS or nationality.

...Dakar...Oulanbator

...Lomé...Niamey

...Rangoun

...Chisinau

...Mbanane...Genève

...Bamako

...Monrovia

...Antananarivo

...Grozny

...Managua...Goma

...Lausanne...Makhachkala

...Port au Prince

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Core planSelect your currency: CHF, $, £, ¤

IN-PATIENT BENEFITS Select your in-patient plan

A choice of 5 in-patient plans, with an annual limit of CHF 650’000 to CHF 9’750’000

• No deductible • Semi-private or private room • Maternity in option

OUT-PATIENT BENEFITS Select your out-patient plan

A choice of 4 plans, with an annual limit rising from CHF 3’250 to unlimited

• 4 levels of deductible from 0 to CHF 1’300 per year which allow the company to adjust the premiums according to their budget criteria• Psychiatry and psychotherapy • Vaccination • Alternative medicine • Routine health check, including cancer screening• Prescription glasses and contact lens

ASSISTANCE AND REPATRIATION PACKAGEThe comprehensive assistance and repatria-tion cover is automatically included in the core plan

A full package including benefits with worldwide cover

• ScoreExpat covers any emergency situation which re- quires the repatriation or evacuation of your employees and their families: accident, hospitalisation, death

NB: we can also offer the GlobalPass Choice plans which are specific for corporate clients with employees in Latin America and the Caribbean

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MODULE 1Dental plan

A choice of 2 plans from CHF 2’665 to unlimited

• Dental care and surgery, up to 100% of the actual cost• Periodontics, up to 80% of the actual cost• Orthodontics care and dental prostheses, up to 65% of the cost• 10 months waiting period

MODULE 2International Group protection

Group life and income protection cover is available with additional disability benefits, allowing you to choose the level of benefits required. The plan offers the flexibility to group employees with different levels of benefits into

separate policies within the plan.

Death benefits • Death cover - all causes• Death cover - natural causes only • Accidental death cover • Accidental dismemberment cover • Spouse income

• Childs income

Disability benefits* • Income protection**• Permanent total disability • Permanent partial and total disability • Temporary total disability

Waiver of premiums/pension contribution is also available. The cover removes the company’s obligation to pay further premiums/pension contributions, for an employee who has become totally and permanently disabled, while the cover for the employee continues.

* Disability benefits are taken out in addition to the main death cover. ** Income protection cover is available as a standalone benefit and can be taken out independently of the death benefit.

Accidental death and disability insurance This policy can be taken out collectively or individually by your employees

• A lump sum of CHF 50’000 is payable to the beneficiaries of the policy following the accidental death of the insu- red person• A lump sum of CHF 150’000 is payable to the insured person following accidental permanent disability

Additional insurances Choose your additional insurance(s)

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MODULE 3International retirement savings plan

Retirement benefits are a significant part of any total rewards package and are strongly linked to employee enga-gement and retention. The international retirement savings plan is set up according to your specific requirements and would help your employees save for the future.

• A single plan accommodates lots of nationalities working in multiple locations. • Employees gain access to a range of institutionally priced funds• Online administration for HR staff and employees.• Scalable – small plans for senior staff to large plans with thousands of members.• Vesting scales to support employee retention strategies.• Supports multi-currency.

NB: The international pension plan is subject to acceptance based on eligibility criteria. Please contact us for further information

MODULE 4Kidnap & Ransom Insurance

• Coverage in the event of a kidnapping and ransom demand, extortion, illegal detention and hijacking of up to 50 million ¤ per event• This coverage offers unlimited professional services in terms of time and cost• Payment of any related costs (transport of the ransom, cost of psychological care, salary, communication costs)• Optional coverages : - political repatriation - computer virus loss of earnings - loss of earnings due to an insured event - treat response expenses

We offer the facility to design tailored household insurance plans for group schemes. Please contact us

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ADVANTAGES FOR YOUR EMPLOYEES

1. A comprehensive plan associated with high quality services

Since 2009, 99% of our clients have renewed their contracts with us.

2. The possibility of continuity between inter-national health cover and Swiss health cover

ScoreExpat offers the facility of insurance continuity between international medical coverage and Swiss medi-cal coverage: no waiting period and a similar local cover. (Subject to acceptance based on contract).

3. A 24/7 multilingual customer service

Our 24/7 multilingual Helpline Team is available to provide advice on policy terms and conditions, products, benefits, procedures and claims and using online services.

4. Direct payment of hospital costs

• Thanks to our Medical Services Team, we facilitate smooth admission to hospital, ensure optimum medical care for members and control medical expenses on be- half of the member. • Thanks to the Treatment Guarantee Form, the hospital bills are paid directly by us when possible. Direct “cash- less” settlement!

5. Fully completed Claim Forms processed within 48H for medical costs

• An e-mail is sent to the Member automatically to inform him that his reimbursement claim has been received and is being processed.• Reimbursements by cheque or bank transfer are made in more than 140 currencies to more than 150 countries.

6. Freedom to choose the medical provider

The member chooses his preferred doctor, specialist and medical facility in a specific country, region or city.

7. A comprehensive assistance cover

ScoreExpat offers a full package of 24/7 assistance ser-vices to the insured member and his family in case of any accident, hospitalization, death.

8. Access to our partners’ international medi-cal network

Your staff will access to 3’800 medical centers worldwide, 4’000 hospitals and 460’000 doctors in the United States.

9. Secure online services

Your employees will receive a username and password to manage online their pension plan and medical covers (6 different languages):

• Access their pension reports• View or download their medical policy with all docu- ments• Change their personal and banking details• Complete and print their reimbursement applications• Monitor their reimbursement statements• Make an application for payment of hospital costs• Locate a list of medical providers in a specific country, region or city

10. Comprehensive coverage, whatever the job, leisure interests and sport activities of your employees

We offer flexible underwriting rules for your employees. ...And each employee will receive his ScoreExpat Welcome Pack with all the key information about his policy and his personal membership card.

ScoreExpat advantages

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ADVANTAGES FOR YOUR COMPANY

1. A comprehensive à la carte plan with care-free portable benefits

All our benefits are ‘portable’, moving as employees move from country to country, providing continuous cover. Simple, no worry then!

2. A single point of contact

We are the single point of contact with the company from the scheme’s design to the contract’s set up and dura-tion. We involve our different specialists for the scheme’s transition and its implementation. Our team of experts remains at the company’s disposal to provide any advice when needed.

3. Underwriting rules tailored for internatio-nal companies and multinational employees

ScoreExpat covers employees of all nationalities, for either long or short term assignments. We offer the facility to en-sure Third Country Nationals as well as expatriates and employees who are already abroad with or without basic medical insurance (subject to local regulation).

4. Group scheme with no medical selection and attractive premium discounts

We can offer medical history disregarded group schemes to corporate groups of 3 employees or more. We offer dis-counts based on the number of enrolled members.

5. A flexible solution which supports the com-pany’s human resource strategy

The company can design a single corporate scheme which can be splitted into separate policies to offer flexible grou-ping and billing of different sets of employees with diffe-rent benefits. This brings considerable advantages to the company’s HR strategy.

6. Possibility to offer a comprehensive inter-national medical cover to your multinational employees based in Switzerland

ScoreExpat offers the facility to ensure Third Country Nationals as well as multinational employees based in Switzerland in addition to the compulsory Swiss medical insurance. The company can provide a real international medical cover to their multinational employees with asso-ciated high quality services while maintaining their insu-rance budget under control.

7. Cost containment

One of Antaé’s core objective is the perfect balance of aggressive cost containment with excellence in customer service with and through our partners. This is achieved through a multidisciplinary approach such as provider network discount, treatment guarantee, regional focus, fraud detection, disease management etc.

8. Secure online services

For speed and convenience, corporate clients and insured members can use a secure range of real time, multilingual online services for medical and pension plans. A functio-nality has been created specifically for Group Scheme Managers, allowing better control of the insured member base and offering much greater convenience in terms of scheme administration.

9. Transparency and trust

We provide a regular suite of management information reports for transparent scheme monitoring and, cost containment being a primary focus, corporate clients will also be provided with regular claims reports.

10. Exclusive services and benefits for large policies

For large policies, we offer exclusive services and benefits to both the company and the members:

• A tailored table of benefits • A dedicated Customer Relationship Manager• Bespoke reports • Multiple claims methods including the E-claiming (“scan and email”!)

ScoreExpat advantages

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You live, we care.

AntaéVoie du Chariot, 3

1003 Lausanne - SwitzerlandTel +41 (0) 21 560 56 23 / Fax + 41 (0) 21 560 55 00

customercare@antae.ch www.antae.ch

Rest assured, whichever country you live in !

Based in Lausanne-Switzerland, Antaé is specialized in design and distribution of medical, assistance, protection, kidnap and ransom insurance solutions. We design innovative individual and collective insurance plans for expatriates, international students and employees of Nongovernmental Organisations (NGO) and Intergovernmental Organisations (IGO).

Voie du Chariot 3 - 1003 Lausanne - SuisseTél : + 41 (0) 21 560 56 23 Fax : + 41 (0) 21 560 55 00

customer care@antae.ch www.antae.ch

Antaé