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Europ Assistance Group                            One business: assistance
                                                  HUMANITY AND NEW TECHNOLOGIES AT THE HEART OF CARE SERVICES
EUROP ASSISTANCE GROUP
HISTORY OF THE GROUP WHICH PIONEERED ASSISTANCE   A NETWORK STEERED, CONTROLLED AND MANAGED IN OUR FOUR
A POWERFUL, LONG-TERM SHAREHOLDER                 BUSINESS LINES

KEY FIGURES                                       SKILLS WITH HIGH ADDED-VALUE

INTERNATIONAL STANDING                            FOUR ACTIVITIES IN THE WORLD OF CARE SERVICES
                                                  •  TRAVEL
ORGANISATION BY REGION
                                                  •  AUTOMOTIVE
GOVERNANCE
                                                  •  HEALTH
                                                  •  HOME & FAMILY




Strategy                                          A culture of responsibility

ACCOMPANYING THE CARE REVOLUTION                  CSR STRATEGY: "THE SOCIAL FOOTPRINT“
CARE SERVICES                                     CREATING A "POSITIVE SOCIAL FOOTPRINT“
A STRATEGIC AMBITION: INNOVATION                  COMMON VALUES
AN INNOVATIVE BRAND PLATFORM                      INITIATIVES FOR CHARITY
A WORLDWIDE SIGNATURE                             LOCAL KNOW-HOW PRIORITIZED



                                                                                         Europ Assistance Group I 2011 Overview   2
Europ Assistance Group

                  Europ Assistance Group I 2011 Overview
Europ Assistance Group


EUROP ASSISTANCE GROUP

HISTORY OF THE GROUP WHICH PIONEERED ASSISTANCE

A POWERFUL, LONG-TERM SHAREHOLDER

KEY FIGURES

INTERNATIONAL STANDING

ORGANIZATION BY REGION

GOVERNANCE




                                                  Europ Assistance Group I 2011 Overview
Europ Assistance Group   Strategy    One business: assistance A culture of responsibility




                    Europ Assistance Group


  Having invented assistance nearly 50 years ago, Europ Assistance is now
a global operator in personal assistance services in the areas of health,
home, family, automotive and travel.

The Group is the brand of choice in Care Services, a new generation of personalized
services for people and their families, born of its planet-wide network's capacity to innovate
and experiment, in order to provide the greatest number of people, in emergency
circumstances and in daily life, on an occasional or permanent basis, with presence and
support which they require for their safety and peace of mind.

The four areas of Care Service
-  Travel           - Health
-  Automotive       - Home & Family




                                                                                 Europ Assistance Group I 2011 Overview   5
Europ Assistance Group   Strategy   One business: assistance A culture of responsibility




                Europ Assistance Group


  Europ Assistance keeps watch over 300 million people across the
   world.
  With its 7,000 employees, 80 companies and branches in 38
   countries and a network of 420,000 partners deployed on the
   ground, the Group has developed an international system of close
   support, in the name of a practical, everyday vision of Care
   Services and an economic model that creates value.




                                                                            Europ Assistance Group I 2011 Overview   6
Europ Assistance Group   Strategy   One business: assistance A culture of responsibility



            History of the Group
            which pioneered assistance

  1963: Birth of a new concept: assistance
   Pierre Desnos, impressed by the long list of problems encountered by
   a couple of friends who had suffered an accident abroad, assessed
   the gaps in existing protection for people travelling abroad.

   He founded Europ Assistance in Paris with the backing of the
   La Concorde insurance company, a French subsidiary of Generali.




                                                                        Europ Assistance Group I 2011 Overview   7
Europ Assistance Group      Strategy       One business: assistance A culture of responsibility



              History of the Group
              which pioneered assistance

  1964 - 1980: A meteoric rise
    •  1964        Internationalisation begins, in Belgium
    •  1967        A transatlantic offer
                   Europ Assistance launches operations outside Europe and offers a
                   USA-Canada-Mexico subscription
    •  1971-1980   Europ Assistance extends its frontiers
                   It opens a market in the UK (1973), then Luxembourg (1976), Spain
                   (1977) and Germany (1980).
                   It initiates services further afield, in Brazil, Japan and Kenya (1977)




                                                                                  Europ Assistance Group I 2011 Overview   8
Europ Assistance Group      Strategy      One business: assistance A culture of responsibility



                   History of the Group
                   which pioneered assistance

  1981 - 1990 : Europ Assistance takes over the world
    •  1981         The first generation of assistance in daily life
                    Creation of an advice, information and assistance service
                    to handle problems encountered in daily life
    •  1983-1989    Europ Assistance extends its frontiers
                    Europ Assistance opens up in Washington (1983)
                    then South Africa (1984) and Tunisia (1989),
                    and opens an office and call centre in Beijing (1989)




                                                                                 Europ Assistance Group I 2011 Overview   9
Europ Assistance Group     Strategy      One business: assistance A culture of responsibility



                History of the Group
                which pioneered assistance

  1991 - 2003: Europ Assistance takes over the world
      •  1991         Europ Assistance launches its home assistance activity
                      Europ Assistance opens up in Ireland,
      •  1992-1997    then in Greece (1992), Portugal (1993), Austria and Brazil (1995), Poland
                      (1996), Singapore, Argentina, Hungary and Switzerland (1997)
      1998            Worldwide leadership
                      Europ Assistance Holding is created, and Europ Assistance opens up in Israel
                      115 million customers are covered by Europ Assistance worldwide, and 3.75
                      million claims are managed in the course of the year.
      •  2001         Europ Assistance opens up in Russia
      •  2002         The Generali Group becomes 100% shareholder of Europ Assistance Group
      •  2003         Europ Assistance celebrates its 40th birthday
                      With 7 new subsidiaries (4 Scandinavian countries, Algeria, Libya and Japan),
                      the Group now has 32 companies across the world




                                                                                  Europ Assistance Group I 2011 Overview   10
Europ Assistance Group      Strategy     One business: assistance A culture of responsibility



                History of the Group
                which pioneered assistance

  2004 - 2010: the Columbus era
    •  2004   Launch of Columbus plan, a global strategic plan mainly based on two new activities:
              health and services for the home and family
              Entry on the mechanical warranty market, with the acquisition Icare in France
    •  2005   Creation of new companies in Chile and China
    •  2006   Acquisition of The Canadian Medical Network, a Canadian company
    •  2007   Digital expansion: launch of Plug & Sell, the Group's worldwide e-business platform
              Takeover of Coris in Spain
              Creation of IHS Services, a company offering health solutions for remote sites and travel
              for medical treatment
              Publication of "la Care Revolution" (M.Vial)
              Europ Assistance opens up in India
              Expansion of the Group in the USA through the acquisition of CSA Travel Protection
    •  2008   (CSA) and GMMI (Global Medical Management Inc.)
              A pioneer in telemedecine: Europ Assistance tests an interactive remote medical solution
              for use in isolated environments for the full duration of the Vendée Globe yacht race



                                                                                   Europ Assistance Group I 2011 Overview   11
Europ Assistance Group   Strategy    One business: assistance A culture of responsibility



               History of the Group
               which pioneered assistance

  2004 - 2010: the Columbus era
    •  2009   Creation of a joint-venture with the Bradesco Group in Brazil
    •  2010   Europ Assistance becomes main shareholder in Ocealis, a French company
              specializing in telephone assistance
              Opening of a new subsidiary in Turkey
              Europ Assistance Group adopts a worldwide signature:
              "you live we care."
              Launch of the Group road map for 2011–2015




                                                                               Europ Assistance Group I 2011 Overview   12
Europ Assistance Group   Strategy     One business: assistance A culture of responsibility




 A powerful, long-term shareholder



               Generali Group




                               100%




                                                               Europ Assistance Group I 2011 Overview   13
Europ Assistance Group      Strategy   One business: assistance A culture of responsibility




             Key figures


  Key data
    •  7,000 employees
    •  4,300 assistance representatives
    •  400 healthcare professionals
    •  80 companies and branches in 38 countries
    •  208 countries covered by the Group’s correspondents
    •  40 customer assistance centres
    •  420,000 listed service providers
    •  300 million customers covered by Europ Assistance, either
    directly or via its partners




                                                                              Europ Assistance Group I 2011 Overview   14
Europ Assistance Group   Strategy    One business: assistance A culture of responsibility




                Key figures


  Key data
   •  58.2 million telephone calls handled
   •  11.8 million interventions
   •  3.1 million motorists provided with breakdown
   assistance
   •  6,300 air ambulance flying hours to repatriate Group customers
   •  35,000 commercial flight tickets bought to repatriate Group customers
   •  148 countries in which the Group intervened
   •  2 phone calls handled every second worldwide
   •  1 assistance intervention every two seconds around the world




                                                                               Europ Assistance Group I 2011 Overview   15
Europ Assistance Group   Strategy        One business: assistance A culture of responsibility




                   Key figures


  Consolidated revenues                                 Operating income
  (in € million)                                         (in € million)




                                                                                     Europ Assistance Group I 2011 Overview   16
Europ Assistance Group   Strategy   One business: assistance A culture of responsibility




           Key figures


  Revenues by business line
 (as %)




                                                                        Europ Assistance Group I 2011 Overview   17
Europ Assistance Group   Strategy   One business: assistance A culture of responsibility




 International standing




                                                             Europ Assistance Group I 2011 Overview   18
Europ Assistance Group   Strategy   One business: assistance A culture of responsibility




 Organization by region




REGION 1                                          REGION 3
Italy, Germany,                                   UK, Northern Europe, Central and
Switzerland, Austria                              Eastern Europe, Middle East, Asia
                                                  and Oceania


REGION 2
France, Benelux,                                  REGION 4
North America                                     Spain and Portugal,
                                                  South America and Africa




                                                             Europ Assistance Group I 2011 Overview   19
Europ Assistance Group   Strategy   One business: assistance A culture of responsibility




 Governance




                                                             Europ Assistance Group I 2011 Overview   20
Strategy

           Europ Assistance Group I 2011 Overview
Strategy


ACCOMPANYING THE CARE REVOLUTION

CARE SERVICES

A STRATEGIC AMBITION: INNOVATION

AN INNOVATIVE BRAND PLATFORM

A WORLDWIDE SIGNATURE




                                   Europ Assistance Group I 2011 Overview
Accompanying the Care Revolution


  Globalization, increased leisure time, an explosion in demand for
   healthcare, rising life expectancy and mobility, increasing
   urbanization…
   Under the impulse of these social and cultural trends, personal services are booming
   throughout the world. There is a burgeoning demand for information, accident-
   prevention, protection and support services.




   The Care Revolution is underway, and Europ Assistance is driving it
                forward by developing tangible responses:
                                   Care Services.


                                                                      Europ Assistance Group I 2011 Overview   23
Europ Assistance Group   Strategy   One business: assistance A culture of responsibility




                 Care Services

  As the inventor of assistance and of the Care Service concept, we can
   legitimately give our own definition:
   Care Services is a a new generation of personalized assistance services
   to support consumers in every situation, on an occasional or permanent
   basis, in exceptional circumstances or in daily life.




                                                                             Europ Assistance Group I 2011 Overview   24
Europ Assistance Group   Strategy   One business: assistance A culture of responsibility




               A strategic ambition: innovation


    Innovation is in our culture. To make the Care promise a reality,
     we owe it to our customers to invent not only new solutions (new
     products), but also new approaches, by integrating new technologies
     in order to offer daily support to as many people as possible, using
     an economic model that creates value.




                                                                             Europ Assistance Group I 2011 Overview   25
Europ Assistance Group   Strategy    One business: assistance A culture of responsibility




                       A strategic ambition: innovation


  Technology associated with humanity

   In line with its pioneering mindset, Europ Assistance has set a challenge through
  Care Services: mobilizing all the potential of the new technologies on behalf of an
  acute sense of humanity. It is thanks to this association of technological innovation and
  human values that we can now offer you increasingly effective, responsive and
  personalized assistance services.




                                                                               Europ Assistance Group I 2011 Overview   26
Europ Assistance Group   Strategy   One business: assistance A culture of responsibility




                 An innovative brand platform


  A vision
In a global environment, marked by profound changes in both society and technology,
improving people's life quality and well-being means having access to local, human,
personalized services

  A mission
Europ Assistance undertakes to be with its customers at all times, offering personalized
prevention and assistance in Health, Home & Family, and in Mobility all over the world.


  An ambition
To build the most innovative brand in the Care Services sector by 2015.




                                                                               Europ Assistance Group I 2011 Overview   27
Europ Assistance Group   Strategy    One business: assistance A culture of responsibility




            A worldwide signature


  A signature: you live we care

                                        •  which states the worldwide dimension both of
                                        the Group and the Europ Assistance brand in
                                        English only** (exept legal contraints), in all
                                        subsidiaries and on all five continents.
                                        •  which highlights the brand in a unique way
                                        among its 300 million customers and 420,000
                                        listed service providers.




                                                                           Europ Assistance Group I 2011 Overview   28
One business: assistance

                   Europ Assistance Group I 2011 Overview
One business: assistance


HUMANITY AND NEW TECHNOLOGIES AT THE HEART OF CARE SERVICES

A NETWORK STEERED, CONTROLLED AND MANAGED IN OUR FOUR LINES OF
BUSINESS

SKILLS WITH HIGH ADDED-VALUE

FOUR ACTIVITIES IN THE WORLD OF CARE SERVICES :

•  TRAVEL
•  AUTOMOTIVE
•  HEALTH
•  HOME & FAMILY


                                                   Europ Assistance Group I 2011 Overview
Europ Assistance Group   Strategy   One business: assistance A culture of responsibility




                  Humanity and new technologies at the heart of
                  Care Services


  Our commitment

Personalized support …
  Daily support for a calmer, more flexible personal, family and professional life? Care
  Services have made this dream a reality. With Europ Assistance, the attentive human
  support draws on the amazing potential of the new technologies. To offer you the fastest
  and most effective solutions for every situation.

… at any time, for everybody.
   Through its 4 business lines (Automotive, Travel, Health, and Home & Family), Europ
  Assistance commits alongside you at every moment of your daily life. On your travels, on
  the road and at home, Care Services make life easier, safer and more human. Efficiently.




                                                                               Europ Assistance Group I 2011 Overview   31
Europ Assistance Group   Strategy       One business: assistance A culture of responsibility



                    Humanity and new technologies at the heart of
                    Care Services

  Our commitment
                                            Thanks to our international network, we guarantee you local, human
Throughout the world ...                    service wherever you are, 24 hours a day, 7 days a week.




                                            By integrating new technologies, remaining attentive to the way your
                                            needs evolve and developing the right tools to support you on a
 In an innovative way ...                   daily basis, Europ Assistance is inventing the personalized
                                            assistance services of the future.


                                            Corporate Social Responsibility is fundamental to our vision. We
                                            behave responsibly with both our employees and our customers. We
Responsible …                               create more and more partnerships and local initiatives in order to
                                            defend our values, and to promote exchanges and solidarity.



                                            Care Services incarnate a made-to-measure culture. Better than
Personalized …                              anyone else, we know your needs and are capable of developing
                                            products and services to satisfy you.



                                                                                     Europ Assistance Group I 2011 Overview   32
Europ Assistance Group   Strategy   One business: assistance A culture of responsibility



                  Humanity and new technologies at the heart of
                  Care Services


  We are putting all of Europ Assistance behind our Care Services.
  Our 7,000 employees' abilities to observe, listen, organize and
  innovate are mobilized in order to bring high value-added
  responses to our customers …

    A professional approach structured around four
   fundamentals:
   - Multilingual telephone service, 24/24 and 7/7
   -  Analysis of the situation and management of risk
   -  Immediate mobilization of human and technical aid
   -  Real-time resolution of complex situations




                                                                              Europ Assistance Group I 2011 Overview   33
Europ Assistance Group      Strategy   One business: assistance A culture of responsibility



                   A network steered, controlled and
                   managed in our four business lines

  420,000 listed partners

•  Approved and listed for their speed of reaction
and the quality of their service
•  Present throughout the world
•  Capable of responding like true professionals
to any situation
•  Subjected to quality control: field visits,
supplier visits, monitoring procedures …




                                                                                     Europ Assistance Group I 2011 Overview   34
Europ Assistance Group              Strategy   One business: assistance A culture of responsibility



A network steered, controlled and
managed in our four business lines

         Travel                                                          Automotive
        •  Paramedics                                                    •  Breakdown service providers
        •  Private airlines                                              •  Tow-away service providers
        •  Opticians                                                     •  Car rental companies
        •  Dentists                                                      •  Chauffeurs, taxis
        •  Doctors                                                       •  Hotels
        •  Hospitals                                                     •  Mechanics




          Health                                                           Home & Family
         •  Hospitals and clinics                                          •  Electricians,
         •  Paramedics                                                     plumbers, glaziers
         •  Specialists in                                                 •  Employment support
         assisting the elderly                                             agencies
         and dependent                                                     •  Building professionals
         •  Healthcare                                                     •  Childcare agencies
         professionals: GPs,                                               •  Specialists in family
         specialists, nurses,                                              services
         physiotherapists, etc.
         •  Medical care
         professionals


                                                                        Europ Assistance Group I 2011 Overview   35
Europ Assistance Group         Strategy       One business: assistance A culture of responsibility




                    Skills with high added-value


The assistance representatives
   listen, welcome, analyze




Coordination                                Information
•  Implementation of the                    •  Real-time Information for
appropriate means to come to                customers and their close ones
the customers' aid, via networks
                                            •  Ensuring the success of the
and teams of experts                        operation alongside teams on
                                            the ground and customers




                                                                                          Europ Assistance Group I 2011 Overview   36
Europ Assistance Group        Strategy       One business: assistance A culture of responsibility




                           Skills with high added-value

                     The assistance representatives


Teams of IN-HOUSE experts                                   NATIONAL and
                                                            INTERNATIONAL networks
•  400 medical professionals (medical
coordinators, emergency specialists, nurses
                                                            •  420,000 service providers worldwide
•  Ticketing service specialized in chartering
                                                            •  Medical providers
air ambulances
                                                            •  Technical providers
•  Legal and tax experts
                                                            •  International network of correspondents:
•  Experts in automobiles, warranty
                                                            a local interface
extensions and maintenance
                                                            •  Other Group companies: a system of
                                                            mutual assistance




                                                                                         Europ Assistance Group I 2011 Overview   37
Europ Assistance Group   Strategy    One business: assistance A culture of responsibility




                  Four areas of
                  Care Service: Travel

  A revolution in travel
 Low-cost airlines, last-minute offers, all-inclusive customized packages, the rise of short
stays and weekends "away from it all", online booking … it's never been easier to travel
round the world. In the face of this increased mobility, we all need support and
reassurance.

That is why Europ Assistance has created assistance and insurance services
which are perfectly adapted to our new ways of travelling.




                                                                                 Europ Assistance Group I 2011 Overview   38
Europ Assistance Group   Strategy   One business: assistance A culture of responsibility




                 Four areas of
                 Care Service: Travel

  Personalized offers
Beyond its historical know-how in repatriation for medical reasons, Europ Assistance
offers its customers information and advice, health risk indicators by country, labels and
badges to help locate lost luggage, cancellation, loss of luggage and multi-risk insurance,
online claims declarations, "anti-surprise" rental insurance, innovative online services,
mobile applications ...

From when you start preparing your journey till you return home, we watch over
you and your family, in order to reconcile mobility and peace of mind.




                                                                                Europ Assistance Group I 2011 Overview   39
Europ Assistance Group    Strategy      One business: assistance A culture of responsibility




                Four areas of
                Care Service: Travel
  Innovative services
         Plug & sell is a unique and innovative e-business platform for reinforcing your
         online site with a wide range of customized, value-creating solutions


         Netglobers is a community portal on travel, which combines official information on
         over 190 countries with content generated by web surfers (travel logs, forums,
         systems for grading countries, …)


         TripOrganizer (a mobile application) helps your customers organize their trip
         abroad. TripOrganizer is the ideal customer retention tool: it offers a range of
         practical services


         Dos and Don'ts is a "must" mobile application to help you get immersed in other
         cultures and not commit a faux-pas during your trip abroad


                                                                               Europ Assistance Group I 2011 Overview   40
Europ Assistance Group   Strategy    One business: assistance A culture of responsibility



                    Four areas of
                    Care Service: Travel

  Tailormade offers for the tourist industry

  •  With the Alitalia airline, "all-inclusive“ travel insurance coverage which you can take
     out on the airline's website
  •  For the hotelsclick.com hotel booking site, an online travel insurance solution
     integrated into the booking process




                                                                                 Europ Assistance Group I 2011 Overview   41
Europ Assistance Group   Strategy    One business: assistance A culture of responsibility



                    Four areas of
                    Care Service: Travel

  Europ Assistance Belgium: "NoGo“, covering all eventualities.
   Already acclaimed twice over in its previous version as the "best annual travel
  cancellation insurance" by the "Decavi Insurance Trophy“, Europ Assistance
  Belgium's NoGo travel cancellation insurance has got even better. The new April
  2011 version offers broader guarantees for travel cancellation, alteration or
  compensation. Unforeseen events covered include health problems, redundancy,
  requisition by the employer, a new employment contract, damage in the home, as
  well as exceptional circumstances such as divorce, visa refusal, etc.


  Europ Assistance Austria: theft insurance... and cover for related costs.
   In early 2011, in partnership with the Europäische network of travel agencies
  Reiseversicherung, Europ Assistance Austria lance Absence-Assistant", the first
  travel insurance policy to pay travellers back for additional expenses relating their
  house being burgled in absence.
                                                                                 Europ Assistance Group I 2011 Overview   42
Europ Assistance Group   Strategy   One business: assistance A culture of responsibility



                    Four areas of
                    Care Service: Automotive

  A transformation in the driver-vehicle relationship …

The way people use and relate to their vehicle is changing. We are currently witnessing a
boom for vehicles which consume less and pollute less, and the car is now increasingly
considered to be a service. Drivers expect their vehicle brand to promote customer loyalty,
and to offer them packaged assistance offers.




                                                                               Europ Assistance Group I 2011 Overview   43
Europ Assistance Group   Strategy   One business: assistance A culture of responsibility




                   Four areas of
                   Care Service: Automotive

… which implies a change in services
At Europ Assistance, we believe that automobile assistance should take charge not
only of the vehicle, but above all of its driver and passengers.
With Care Services, we keep an eye on you and your car while you are on the road,
and can instantly mobilize a top-quality network at your service to ensure your safety
and well-being in any situation.




                                                                               Europ Assistance Group I 2011 Overview   44
Europ Assistance Group   Strategy     One business: assistance A culture of responsibility




               Four areas of
               Care Service: Automotive

  "Must" tools

          MyMobility: this application is practical and easy to use: it offers an
          assistance service based on GPS technology and additional services (a
          maintenance schedule, dealership geolocation, etc).

           First selected network: a priority network comprising the most
          efficient automobile professionals who intervene in the event of
          breakdown, puncture, etc… The selection criteria for these
          professionals are high: arrival time, reporting, quality of vehicles,
          technical capabilities, etc…

           First selected green network: is the first labelized pan-European
          network of eco-responsible professionals, who offer environmentally-
          friendly assistance services: electric or low CO2 emission vehicles,
          bicycle hire, etc…

                                                                             Europ Assistance Group I 2011 Overview   45
Europ Assistance Group   Strategy   One business: assistance A culture of responsibility




                   Four areas of
                   Care Service: Automotive
  Europ Assistance Greece: roadside assistance under the Europ Assistance name
 In January 2011, Europ Assistance Greece decided to develop its own roadside
assistance fleet under the Europ Assistance brand name, to offer roadside assistance
services that closely reflect the local environment.

  Europ Assistance Italy: clear roadside assistance via smartphone and iPhone.
 RoadSide Assistant is Europ Assistance Italy's new application for smartphones and
iPhones. It is intended for requests for immediate assistance without going through an
operator, and it provides real-time information on waiting times.

  Europ Assistance France: launch of the i-dep' mobile.
Having had access since 2007 to the i-dep’ extranet, which automates every stage in the
management of motorists whose car has broken down, breakdown service providers in the
Europ Assistance France network can now use the mobile version of this high-performance
platform. It can be used to send specific job information to the mechanic out on call, while
Europ Assistance can use it to monitor the different stages of the intervention. Additional
advantage: once the job is accepted by the breakdown service, the application works even
when the GSM network is not available.
                                                                               Europ Assistance Group I 2011 Overview   46
Europ Assistance Group   Strategy     One business: assistance A culture of responsibility



                     Four areas of
                     Care Service: Health

  Health support: a growing need
 Today more than ever, people are looking for support in matters of healthcare. Online
access to medical information, increasing demands regarding quality of healthcare, more
and more specialists… we want to be sure of our sanitary and psychological well-being
throughout our lives. It's a particularly crucial challenge in a world where life expectancy is
continuing to increase.




                                                                                  Europ Assistance Group I 2011 Overview   47
Europ Assistance Group   Strategy   One business: assistance A culture of responsibility




                   Four areas of
                   Care Service: Health

With Care Services, Europ Assistance meets the challenges of healthcare and dependence,
with personalized solutions for medical care, monitoring or teleassistance.

  Solutions with high added-value
By making assistance services possible on both one-off and long-term bases,
Europ Assistance is revolutionizing the Care world. Thanks to technological innovation
associated with a strong human presence, we take daily care of your health and the health of
your loved ones.




                                                                               Europ Assistance Group I 2011 Overview   48
Europ Assistance Group   Strategy   One business: assistance A culture of responsibility




                Four areas of
                Care Service: Health

  Personalized innovative services

          E-health Platform: an on-line solution dedicated to players in the health
         sector, to improve and simplify relations between patients and doctors
         (making appointments, managing medical files, prescriptions, …)

          Docticare: a health portal which provides access to a wide range of health
         information, offers personalized services for preventive healthcare and the
         management of medical data, and includes high added-value web services.
         The personal space allows users to create and update their medical files
         online or manage, download or print their clinical passports in several
         languages.




                                                                            Europ Assistance Group I 2011 Overview   49
Europ Assistance Group   Strategy   One business: assistance A culture of responsibility




                  Four areas of
                  Care Service: Health

  Personalized innovative services
  Europ Assistance Portugal launches, in partnership with Portugal Telecom, a new
  medical assistance offer called Téléassistance: a telephone installed in the customer's
  home provides a direct connection to the Europ Assistance call centre, 24 hours a day.
  By simply pressing the SOS button, the customer can obtain rapid assistance in case of
  emergency.

  Europ Assistance Belgium now offers a full Care Services package to people who
  have become dependent following a sudden illness or accident resulting in a state of
  dependency: delivery of hot meals, medication, essential household products, domestic
  help, transport for children, pet care, and adapting the home for medical purposes.
  The company, backed by Europ Assistance Austria, also offers a physiotherapy service.
  An initial agreement has been signed with Mensura (prevention and protection in the
  workplace).



                                                                             Europ Assistance Group I 2011 Overview   50
Europ Assistance Group   Strategy   One business: assistance A culture of responsibility




                   Four areas of
                   Care Service: Home & Family

  Europ Assistance invents the home services of the future
Society is changing. In an increasingly mobile urban world, where you have to juggle
between work, transport and family life, ultra-responsive support services have become
indispensable. That is why Europ Assistance has invented the home services of the future.
Personalized assistance and prevention services to ensure your peace of mind on a daily
basis, and let you devote your spare time to your loved ones and your leisure activities.




                                                                               Europ Assistance Group I 2011 Overview   51
Europ Assistance Group   Strategy   One business: assistance A culture of responsibility




                   Four areas of
                   Care Service: Home & Family

  Support on a daily basis
Babysitting, additional schooling, lost key insurance, support to elderly and dependent
people to help them remain at home, boiler and large domestic appliance repairs, legal
assistance … Through these local, personalized, innovative support services, we keep
watch over your family and your home, to make your daily life easier and less wearing




                                                                               Europ Assistance Group I 2011 Overview   52
Europ Assistance Group   Strategy   One business: assistance A culture of responsibility




                    Four areas of
                    Care Service: Home & Family

  Personalized innovative services close at hand
 Europ Assistance Belgium: "House Assist" for home owners.
 At the beginning of 2011, Europ Assistance Belgium signed an agreement with the Syndicat
 National des Propriétaires (National Association of Homeowners), defending the rights of
 owners, co-owners and tenants in Belgium, to provide its 25,000 members with its House
 Assist cover (repair services, surveillance, water damage, etc.).


 Europ Assistance Canada: launch of home assistance in Ontario.
 The Canadian company is launching a full programme of home assistance services
 designed to help people facing the high costs and difficulties associated with the emergency
 repair of home appliances and equipment. To meet these needs, EA Canada has approved
 and trained a network of qualified engineers to cover the full range of appliances.


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Europ Assistance Group   Strategy   One business: assistance A culture of responsibility




                   Four areas of
                   Care Service: Home & Family

Identity protection in the USA with
IDBeMe: Every year 10 million Americans are victims
of identity theft: appropriated bank card numbers, social
security numbers, driving licenses or passports, and
pirated email addresses are the most common
complaints filed in the USA.




                                                                               Europ Assistance Group I 2011 Overview   54
A culture of responsibility

                      Europ Assistance Group I 2011 Overview
A culture of responsibility



CSR STRATEGY: "THE SOCIAL FOOTPRINT"

CREATING A "POSITIVE SOCIAL FOOTPRINT"

COMMON VALUES

INITIATIVES FOR CHARITY

LOCAL KNOW-HOW PRIORITIZED




                                              Europ Assistance Group I 2011 Overview
Europ Assistance Group   Strategy   One business: assistance A culture of responsibility




                  CSR strategy: "the social footprint"

  Corporate Social Responsibility (CSR) is an essential lever for our
development strategy.

In line with its pioneering spirit, Europ Assistance was the first international
player in the sector to commit to a CSR strategy. Today, the Group’s
development is inseparable from its social project, and links directly to its
history, its areas of business and its values.

Europ Assistance has chosen to develop the “social footprint” label,
which now encompasses all Group initiatives in this area, in order to affirm Europ
Assistance's status as a responsible company on both social and civic levels, and
to promote its global commitments and local initiatives in the field of CSR.




                                                                              Europ Assistance Group I 2011 Overview   57
Europ Assistance Group   Strategy   One business: assistance A culture of responsibility




                    Creating a "positive social footprint"

What is the company's "positive social
footprint"?

•  It is based on a conviction: companies today can no longer
view their growth and performance criteria in the short term:
they must consider them in a long-term perspective. And they
can no longer ignore the impact which their activity has on
society: they must take ownership of any negative external
impact which they may generate. Sustainable profit is only
possible if it creates for the company's internal and external
ecosystem as a whole.

•  Just like the carbon footprint, it is also a company's
responsibility to be capable of measuring the social and civic
impact of its activities on the ecosystem in the long term and
in its entirety, on a regional, national or worldwide scale.
                                                                                Europ Assistance Group I 2011 Overview   58
Creating a "positive social footprint"


  Europ Assistance and "the positive social footprint":
   Europ Assistance supports aid for the development of new forms of
   enterprise in the world, in parallel to all initiatives carried out locally by the
   subsidiaries, reconciling economic performance, social performance and
   creation of value.
   For Europ Assistance, the development of new forms of enterprise which
   create innovative, lasting and reproducible solutions, is one of the most
   effective levers for changing the economic and social environment and
   create value at a local level.


  In this context, Europ Assistance backs social entrepreneurship
   through its partnership with Ashoka and via a dozen entrepreneurs
   throughout the world.

                                                                       Europ Assistance Group I 2011 Overview   59
Europ Assistance Group   Strategy     One business: assistance A culture of responsibility




                      Creating a "positive social footprint"

  Europ Assistance Group and Ashoka:
In 2010 Europ Assistance made a commitment alongside Ashoka to back social
entrepreneurship throughout the world.

•  Through this strategic partnership with the biggest association in its field, Europ Assistance
Group, which has made social entrepreneurship its major commitment in terms of social and
civic responsibility, intends to contribute directly to the structuring and developing of the social
entrepreneurship model worldwide, as it considers it to be a fundamental lever for bringing
tangible responses to the challenges of contemporary society.




                                                                                    Europ Assistance Group I 2011 Overview   60
Europ Assistance Group   Strategy   One business: assistance A culture of responsibility




                  Common values


"Being Care" means defending your values every day on behalf
of your customers' well-being.
The Care ethic: care, kindness, professionalism.
If Europ Assistance successfully supports you in a spirit of trust, both in
everyday life and in exceptional circumstances, it is because each
employee shares common human values:

-  pioneer spirit,
-  integrity,
-  value creation,
-  team performance,
-  commitment to clients.



                                                                              Europ Assistance Group I 2011 Overview   61
Europ Assistance Group    Strategy     One business: assistance A culture of responsibility




                Initiatives for charity


  Travelling for charity with Massive Good


                 •  Alongside MassiveGood, launched by the Millennium
                 Foundation, a health promotion programme for emerging
                 countries.
                 •  Fundraising via a contribution de 2€, $, or £ taken from online
                 purchases of plane tickets, hotel rooms or car rentals.
                 •  The funds raised go to UNITAID, to help combat AIDS, malaria
                 and tuberculosis. The programme is relayed on
                 www.europassistance.com and www.netglobers.com




                                                                               Europ Assistance Group I 2011 Overview   62
Europ Assistance Group      Strategy     One business: assistance A culture of responsibility




                       Initiatives for charity

  Local initiatives
   Europ Assistance and its subsidiaries work around the world on health, social
   and humanitarian projects, as close as possible to the reality of the countries
   where the Group is present. This commitment draws on local knowledge and
   skills, and produces tangible results.

  Some examples:
  -  the Group's IHS (International Health Solutions) Division has signed a partnership with AMREF, an
  association which is well-known for its "Flying doctor" air ambulance service which acts on behalf of
  health development in Africa.
  - Europ Assistance France provides support to the Second Chance Foundation, to sponsor
  individuals aged 18-60 who have suffered major difficulties in life but show strong motivation to move
  forward.
  - In 2010, Europ Assistance Italy has won the “Best green marketing project” award for its new green
  breakdown service in partnership with Cassa di Risparmio di Volterra which plants trees to offset
  emissions from towing trucks.
  - Europ Assistance Portugal is a partner of the Santarém centre for underprivileged children and
  young people.
  -  Europ Assistance CSA facilitates remote working for its employees who have moved home,
  encouraging loyalty among staff while reducing their travel costs and the company's carbon footprint.
                                                                                       Europ Assistance Group I 2011 Overview   63

  - 
Europ Assistance Group     Strategy   One business: assistance A culture of responsibility




                          Local know-how prioritized


  Matching global efficiency with local solutions


   •  Prioritizing closeness to our customers for a personalized solution, and ensuring
   quality assistance.
   •  Maintaining presence on national markets for perfect knowledge of the field.
   •  Tangible initiatives on a daily basis.
   •  Deploying our global know-how locally.




                                                                                   Europ Assistance Group I 2011 Overview   64
http://www.europ-assistance.com   Press
                                  Philippe Moucherat -
Address                           pmoucherat@europ-assistance.com
Europ Assistance Holding          Business
7 boulevard Haussmann             auto-mobility@europ-assistance.com
75309 PARIS CEDEX 09              travel@europ-assistance.com
FRANCE                            health@europ-assistance.com
Phone                             home-and-family@europ-assistance.com
+33 (0) 1 58 34 23 00             Human resources
                                  career@europ-assistance.com

                                                                         Europ Assistance Group I 2011 Overview   65

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Europ Assistance and Care Services

  • 2. Contents Europ Assistance Group One business: assistance HUMANITY AND NEW TECHNOLOGIES AT THE HEART OF CARE SERVICES EUROP ASSISTANCE GROUP HISTORY OF THE GROUP WHICH PIONEERED ASSISTANCE A NETWORK STEERED, CONTROLLED AND MANAGED IN OUR FOUR A POWERFUL, LONG-TERM SHAREHOLDER BUSINESS LINES KEY FIGURES SKILLS WITH HIGH ADDED-VALUE INTERNATIONAL STANDING FOUR ACTIVITIES IN THE WORLD OF CARE SERVICES •  TRAVEL ORGANISATION BY REGION •  AUTOMOTIVE GOVERNANCE •  HEALTH •  HOME & FAMILY Strategy A culture of responsibility ACCOMPANYING THE CARE REVOLUTION CSR STRATEGY: "THE SOCIAL FOOTPRINT“ CARE SERVICES CREATING A "POSITIVE SOCIAL FOOTPRINT“ A STRATEGIC AMBITION: INNOVATION COMMON VALUES AN INNOVATIVE BRAND PLATFORM INITIATIVES FOR CHARITY A WORLDWIDE SIGNATURE LOCAL KNOW-HOW PRIORITIZED Europ Assistance Group I 2011 Overview 2
  • 3. Europ Assistance Group Europ Assistance Group I 2011 Overview
  • 4. Europ Assistance Group EUROP ASSISTANCE GROUP HISTORY OF THE GROUP WHICH PIONEERED ASSISTANCE A POWERFUL, LONG-TERM SHAREHOLDER KEY FIGURES INTERNATIONAL STANDING ORGANIZATION BY REGION GOVERNANCE Europ Assistance Group I 2011 Overview
  • 5. Europ Assistance Group Strategy One business: assistance A culture of responsibility Europ Assistance Group   Having invented assistance nearly 50 years ago, Europ Assistance is now a global operator in personal assistance services in the areas of health, home, family, automotive and travel. The Group is the brand of choice in Care Services, a new generation of personalized services for people and their families, born of its planet-wide network's capacity to innovate and experiment, in order to provide the greatest number of people, in emergency circumstances and in daily life, on an occasional or permanent basis, with presence and support which they require for their safety and peace of mind. The four areas of Care Service -  Travel - Health -  Automotive - Home & Family Europ Assistance Group I 2011 Overview 5
  • 6. Europ Assistance Group Strategy One business: assistance A culture of responsibility Europ Assistance Group   Europ Assistance keeps watch over 300 million people across the world.   With its 7,000 employees, 80 companies and branches in 38 countries and a network of 420,000 partners deployed on the ground, the Group has developed an international system of close support, in the name of a practical, everyday vision of Care Services and an economic model that creates value. Europ Assistance Group I 2011 Overview 6
  • 7. Europ Assistance Group Strategy One business: assistance A culture of responsibility History of the Group which pioneered assistance   1963: Birth of a new concept: assistance Pierre Desnos, impressed by the long list of problems encountered by a couple of friends who had suffered an accident abroad, assessed the gaps in existing protection for people travelling abroad. He founded Europ Assistance in Paris with the backing of the La Concorde insurance company, a French subsidiary of Generali. Europ Assistance Group I 2011 Overview 7
  • 8. Europ Assistance Group Strategy One business: assistance A culture of responsibility History of the Group which pioneered assistance   1964 - 1980: A meteoric rise •  1964 Internationalisation begins, in Belgium •  1967 A transatlantic offer Europ Assistance launches operations outside Europe and offers a USA-Canada-Mexico subscription •  1971-1980 Europ Assistance extends its frontiers It opens a market in the UK (1973), then Luxembourg (1976), Spain (1977) and Germany (1980). It initiates services further afield, in Brazil, Japan and Kenya (1977) Europ Assistance Group I 2011 Overview 8
  • 9. Europ Assistance Group Strategy One business: assistance A culture of responsibility History of the Group which pioneered assistance   1981 - 1990 : Europ Assistance takes over the world •  1981 The first generation of assistance in daily life Creation of an advice, information and assistance service to handle problems encountered in daily life •  1983-1989 Europ Assistance extends its frontiers Europ Assistance opens up in Washington (1983) then South Africa (1984) and Tunisia (1989), and opens an office and call centre in Beijing (1989) Europ Assistance Group I 2011 Overview 9
  • 10. Europ Assistance Group Strategy One business: assistance A culture of responsibility History of the Group which pioneered assistance   1991 - 2003: Europ Assistance takes over the world •  1991 Europ Assistance launches its home assistance activity Europ Assistance opens up in Ireland, •  1992-1997 then in Greece (1992), Portugal (1993), Austria and Brazil (1995), Poland (1996), Singapore, Argentina, Hungary and Switzerland (1997) 1998 Worldwide leadership Europ Assistance Holding is created, and Europ Assistance opens up in Israel 115 million customers are covered by Europ Assistance worldwide, and 3.75 million claims are managed in the course of the year. •  2001 Europ Assistance opens up in Russia •  2002 The Generali Group becomes 100% shareholder of Europ Assistance Group •  2003 Europ Assistance celebrates its 40th birthday With 7 new subsidiaries (4 Scandinavian countries, Algeria, Libya and Japan), the Group now has 32 companies across the world Europ Assistance Group I 2011 Overview 10
  • 11. Europ Assistance Group Strategy One business: assistance A culture of responsibility History of the Group which pioneered assistance   2004 - 2010: the Columbus era •  2004 Launch of Columbus plan, a global strategic plan mainly based on two new activities: health and services for the home and family Entry on the mechanical warranty market, with the acquisition Icare in France •  2005 Creation of new companies in Chile and China •  2006 Acquisition of The Canadian Medical Network, a Canadian company •  2007 Digital expansion: launch of Plug & Sell, the Group's worldwide e-business platform Takeover of Coris in Spain Creation of IHS Services, a company offering health solutions for remote sites and travel for medical treatment Publication of "la Care Revolution" (M.Vial) Europ Assistance opens up in India Expansion of the Group in the USA through the acquisition of CSA Travel Protection •  2008 (CSA) and GMMI (Global Medical Management Inc.) A pioneer in telemedecine: Europ Assistance tests an interactive remote medical solution for use in isolated environments for the full duration of the Vendée Globe yacht race Europ Assistance Group I 2011 Overview 11
  • 12. Europ Assistance Group Strategy One business: assistance A culture of responsibility History of the Group which pioneered assistance   2004 - 2010: the Columbus era •  2009 Creation of a joint-venture with the Bradesco Group in Brazil •  2010 Europ Assistance becomes main shareholder in Ocealis, a French company specializing in telephone assistance Opening of a new subsidiary in Turkey Europ Assistance Group adopts a worldwide signature: "you live we care." Launch of the Group road map for 2011–2015 Europ Assistance Group I 2011 Overview 12
  • 13. Europ Assistance Group Strategy One business: assistance A culture of responsibility A powerful, long-term shareholder Generali Group 100% Europ Assistance Group I 2011 Overview 13
  • 14. Europ Assistance Group Strategy One business: assistance A culture of responsibility Key figures   Key data •  7,000 employees •  4,300 assistance representatives •  400 healthcare professionals •  80 companies and branches in 38 countries •  208 countries covered by the Group’s correspondents •  40 customer assistance centres •  420,000 listed service providers •  300 million customers covered by Europ Assistance, either directly or via its partners Europ Assistance Group I 2011 Overview 14
  • 15. Europ Assistance Group Strategy One business: assistance A culture of responsibility Key figures   Key data •  58.2 million telephone calls handled •  11.8 million interventions •  3.1 million motorists provided with breakdown assistance •  6,300 air ambulance flying hours to repatriate Group customers •  35,000 commercial flight tickets bought to repatriate Group customers •  148 countries in which the Group intervened •  2 phone calls handled every second worldwide •  1 assistance intervention every two seconds around the world Europ Assistance Group I 2011 Overview 15
  • 16. Europ Assistance Group Strategy One business: assistance A culture of responsibility Key figures   Consolidated revenues   Operating income (in € million) (in € million) Europ Assistance Group I 2011 Overview 16
  • 17. Europ Assistance Group Strategy One business: assistance A culture of responsibility Key figures   Revenues by business line (as %) Europ Assistance Group I 2011 Overview 17
  • 18. Europ Assistance Group Strategy One business: assistance A culture of responsibility International standing Europ Assistance Group I 2011 Overview 18
  • 19. Europ Assistance Group Strategy One business: assistance A culture of responsibility Organization by region REGION 1 REGION 3 Italy, Germany, UK, Northern Europe, Central and Switzerland, Austria Eastern Europe, Middle East, Asia and Oceania REGION 2 France, Benelux, REGION 4 North America Spain and Portugal, South America and Africa Europ Assistance Group I 2011 Overview 19
  • 20. Europ Assistance Group Strategy One business: assistance A culture of responsibility Governance Europ Assistance Group I 2011 Overview 20
  • 21. Strategy Europ Assistance Group I 2011 Overview
  • 22. Strategy ACCOMPANYING THE CARE REVOLUTION CARE SERVICES A STRATEGIC AMBITION: INNOVATION AN INNOVATIVE BRAND PLATFORM A WORLDWIDE SIGNATURE Europ Assistance Group I 2011 Overview
  • 23. Accompanying the Care Revolution   Globalization, increased leisure time, an explosion in demand for healthcare, rising life expectancy and mobility, increasing urbanization… Under the impulse of these social and cultural trends, personal services are booming throughout the world. There is a burgeoning demand for information, accident- prevention, protection and support services. The Care Revolution is underway, and Europ Assistance is driving it forward by developing tangible responses: Care Services. Europ Assistance Group I 2011 Overview 23
  • 24. Europ Assistance Group Strategy One business: assistance A culture of responsibility Care Services   As the inventor of assistance and of the Care Service concept, we can legitimately give our own definition: Care Services is a a new generation of personalized assistance services to support consumers in every situation, on an occasional or permanent basis, in exceptional circumstances or in daily life. Europ Assistance Group I 2011 Overview 24
  • 25. Europ Assistance Group Strategy One business: assistance A culture of responsibility A strategic ambition: innovation   Innovation is in our culture. To make the Care promise a reality, we owe it to our customers to invent not only new solutions (new products), but also new approaches, by integrating new technologies in order to offer daily support to as many people as possible, using an economic model that creates value. Europ Assistance Group I 2011 Overview 25
  • 26. Europ Assistance Group Strategy One business: assistance A culture of responsibility A strategic ambition: innovation   Technology associated with humanity In line with its pioneering mindset, Europ Assistance has set a challenge through Care Services: mobilizing all the potential of the new technologies on behalf of an acute sense of humanity. It is thanks to this association of technological innovation and human values that we can now offer you increasingly effective, responsive and personalized assistance services. Europ Assistance Group I 2011 Overview 26
  • 27. Europ Assistance Group Strategy One business: assistance A culture of responsibility An innovative brand platform   A vision In a global environment, marked by profound changes in both society and technology, improving people's life quality and well-being means having access to local, human, personalized services   A mission Europ Assistance undertakes to be with its customers at all times, offering personalized prevention and assistance in Health, Home & Family, and in Mobility all over the world.   An ambition To build the most innovative brand in the Care Services sector by 2015. Europ Assistance Group I 2011 Overview 27
  • 28. Europ Assistance Group Strategy One business: assistance A culture of responsibility A worldwide signature   A signature: you live we care •  which states the worldwide dimension both of the Group and the Europ Assistance brand in English only** (exept legal contraints), in all subsidiaries and on all five continents. •  which highlights the brand in a unique way among its 300 million customers and 420,000 listed service providers. Europ Assistance Group I 2011 Overview 28
  • 29. One business: assistance Europ Assistance Group I 2011 Overview
  • 30. One business: assistance HUMANITY AND NEW TECHNOLOGIES AT THE HEART OF CARE SERVICES A NETWORK STEERED, CONTROLLED AND MANAGED IN OUR FOUR LINES OF BUSINESS SKILLS WITH HIGH ADDED-VALUE FOUR ACTIVITIES IN THE WORLD OF CARE SERVICES : •  TRAVEL •  AUTOMOTIVE •  HEALTH •  HOME & FAMILY Europ Assistance Group I 2011 Overview
  • 31. Europ Assistance Group Strategy One business: assistance A culture of responsibility Humanity and new technologies at the heart of Care Services   Our commitment Personalized support … Daily support for a calmer, more flexible personal, family and professional life? Care Services have made this dream a reality. With Europ Assistance, the attentive human support draws on the amazing potential of the new technologies. To offer you the fastest and most effective solutions for every situation. … at any time, for everybody. Through its 4 business lines (Automotive, Travel, Health, and Home & Family), Europ Assistance commits alongside you at every moment of your daily life. On your travels, on the road and at home, Care Services make life easier, safer and more human. Efficiently. Europ Assistance Group I 2011 Overview 31
  • 32. Europ Assistance Group Strategy One business: assistance A culture of responsibility Humanity and new technologies at the heart of Care Services   Our commitment Thanks to our international network, we guarantee you local, human Throughout the world ... service wherever you are, 24 hours a day, 7 days a week. By integrating new technologies, remaining attentive to the way your needs evolve and developing the right tools to support you on a In an innovative way ... daily basis, Europ Assistance is inventing the personalized assistance services of the future. Corporate Social Responsibility is fundamental to our vision. We behave responsibly with both our employees and our customers. We Responsible … create more and more partnerships and local initiatives in order to defend our values, and to promote exchanges and solidarity. Care Services incarnate a made-to-measure culture. Better than Personalized … anyone else, we know your needs and are capable of developing products and services to satisfy you. Europ Assistance Group I 2011 Overview 32
  • 33. Europ Assistance Group Strategy One business: assistance A culture of responsibility Humanity and new technologies at the heart of Care Services   We are putting all of Europ Assistance behind our Care Services. Our 7,000 employees' abilities to observe, listen, organize and innovate are mobilized in order to bring high value-added responses to our customers … A professional approach structured around four fundamentals: - Multilingual telephone service, 24/24 and 7/7 -  Analysis of the situation and management of risk -  Immediate mobilization of human and technical aid -  Real-time resolution of complex situations Europ Assistance Group I 2011 Overview 33
  • 34. Europ Assistance Group Strategy One business: assistance A culture of responsibility A network steered, controlled and managed in our four business lines   420,000 listed partners •  Approved and listed for their speed of reaction and the quality of their service •  Present throughout the world •  Capable of responding like true professionals to any situation •  Subjected to quality control: field visits, supplier visits, monitoring procedures … Europ Assistance Group I 2011 Overview 34
  • 35. Europ Assistance Group Strategy One business: assistance A culture of responsibility A network steered, controlled and managed in our four business lines   Travel   Automotive •  Paramedics •  Breakdown service providers •  Private airlines •  Tow-away service providers •  Opticians •  Car rental companies •  Dentists •  Chauffeurs, taxis •  Doctors •  Hotels •  Hospitals •  Mechanics   Health   Home & Family •  Hospitals and clinics •  Electricians, •  Paramedics plumbers, glaziers •  Specialists in •  Employment support assisting the elderly agencies and dependent •  Building professionals •  Healthcare •  Childcare agencies professionals: GPs, •  Specialists in family specialists, nurses, services physiotherapists, etc. •  Medical care professionals Europ Assistance Group I 2011 Overview 35
  • 36. Europ Assistance Group Strategy One business: assistance A culture of responsibility Skills with high added-value The assistance representatives listen, welcome, analyze Coordination Information •  Implementation of the •  Real-time Information for appropriate means to come to customers and their close ones the customers' aid, via networks •  Ensuring the success of the and teams of experts operation alongside teams on the ground and customers Europ Assistance Group I 2011 Overview 36
  • 37. Europ Assistance Group Strategy One business: assistance A culture of responsibility Skills with high added-value The assistance representatives Teams of IN-HOUSE experts NATIONAL and INTERNATIONAL networks •  400 medical professionals (medical coordinators, emergency specialists, nurses •  420,000 service providers worldwide •  Ticketing service specialized in chartering •  Medical providers air ambulances •  Technical providers •  Legal and tax experts •  International network of correspondents: •  Experts in automobiles, warranty a local interface extensions and maintenance •  Other Group companies: a system of mutual assistance Europ Assistance Group I 2011 Overview 37
  • 38. Europ Assistance Group Strategy One business: assistance A culture of responsibility Four areas of Care Service: Travel   A revolution in travel Low-cost airlines, last-minute offers, all-inclusive customized packages, the rise of short stays and weekends "away from it all", online booking … it's never been easier to travel round the world. In the face of this increased mobility, we all need support and reassurance. That is why Europ Assistance has created assistance and insurance services which are perfectly adapted to our new ways of travelling. Europ Assistance Group I 2011 Overview 38
  • 39. Europ Assistance Group Strategy One business: assistance A culture of responsibility Four areas of Care Service: Travel   Personalized offers Beyond its historical know-how in repatriation for medical reasons, Europ Assistance offers its customers information and advice, health risk indicators by country, labels and badges to help locate lost luggage, cancellation, loss of luggage and multi-risk insurance, online claims declarations, "anti-surprise" rental insurance, innovative online services, mobile applications ... From when you start preparing your journey till you return home, we watch over you and your family, in order to reconcile mobility and peace of mind. Europ Assistance Group I 2011 Overview 39
  • 40. Europ Assistance Group Strategy One business: assistance A culture of responsibility Four areas of Care Service: Travel   Innovative services Plug & sell is a unique and innovative e-business platform for reinforcing your online site with a wide range of customized, value-creating solutions Netglobers is a community portal on travel, which combines official information on over 190 countries with content generated by web surfers (travel logs, forums, systems for grading countries, …) TripOrganizer (a mobile application) helps your customers organize their trip abroad. TripOrganizer is the ideal customer retention tool: it offers a range of practical services Dos and Don'ts is a "must" mobile application to help you get immersed in other cultures and not commit a faux-pas during your trip abroad Europ Assistance Group I 2011 Overview 40
  • 41. Europ Assistance Group Strategy One business: assistance A culture of responsibility Four areas of Care Service: Travel   Tailormade offers for the tourist industry •  With the Alitalia airline, "all-inclusive“ travel insurance coverage which you can take out on the airline's website •  For the hotelsclick.com hotel booking site, an online travel insurance solution integrated into the booking process Europ Assistance Group I 2011 Overview 41
  • 42. Europ Assistance Group Strategy One business: assistance A culture of responsibility Four areas of Care Service: Travel   Europ Assistance Belgium: "NoGo“, covering all eventualities. Already acclaimed twice over in its previous version as the "best annual travel cancellation insurance" by the "Decavi Insurance Trophy“, Europ Assistance Belgium's NoGo travel cancellation insurance has got even better. The new April 2011 version offers broader guarantees for travel cancellation, alteration or compensation. Unforeseen events covered include health problems, redundancy, requisition by the employer, a new employment contract, damage in the home, as well as exceptional circumstances such as divorce, visa refusal, etc.   Europ Assistance Austria: theft insurance... and cover for related costs. In early 2011, in partnership with the Europäische network of travel agencies Reiseversicherung, Europ Assistance Austria lance Absence-Assistant", the first travel insurance policy to pay travellers back for additional expenses relating their house being burgled in absence. Europ Assistance Group I 2011 Overview 42
  • 43. Europ Assistance Group Strategy One business: assistance A culture of responsibility Four areas of Care Service: Automotive   A transformation in the driver-vehicle relationship … The way people use and relate to their vehicle is changing. We are currently witnessing a boom for vehicles which consume less and pollute less, and the car is now increasingly considered to be a service. Drivers expect their vehicle brand to promote customer loyalty, and to offer them packaged assistance offers. Europ Assistance Group I 2011 Overview 43
  • 44. Europ Assistance Group Strategy One business: assistance A culture of responsibility Four areas of Care Service: Automotive … which implies a change in services At Europ Assistance, we believe that automobile assistance should take charge not only of the vehicle, but above all of its driver and passengers. With Care Services, we keep an eye on you and your car while you are on the road, and can instantly mobilize a top-quality network at your service to ensure your safety and well-being in any situation. Europ Assistance Group I 2011 Overview 44
  • 45. Europ Assistance Group Strategy One business: assistance A culture of responsibility Four areas of Care Service: Automotive   "Must" tools MyMobility: this application is practical and easy to use: it offers an assistance service based on GPS technology and additional services (a maintenance schedule, dealership geolocation, etc). First selected network: a priority network comprising the most efficient automobile professionals who intervene in the event of breakdown, puncture, etc… The selection criteria for these professionals are high: arrival time, reporting, quality of vehicles, technical capabilities, etc… First selected green network: is the first labelized pan-European network of eco-responsible professionals, who offer environmentally- friendly assistance services: electric or low CO2 emission vehicles, bicycle hire, etc… Europ Assistance Group I 2011 Overview 45
  • 46. Europ Assistance Group Strategy One business: assistance A culture of responsibility Four areas of Care Service: Automotive   Europ Assistance Greece: roadside assistance under the Europ Assistance name In January 2011, Europ Assistance Greece decided to develop its own roadside assistance fleet under the Europ Assistance brand name, to offer roadside assistance services that closely reflect the local environment.   Europ Assistance Italy: clear roadside assistance via smartphone and iPhone. RoadSide Assistant is Europ Assistance Italy's new application for smartphones and iPhones. It is intended for requests for immediate assistance without going through an operator, and it provides real-time information on waiting times.   Europ Assistance France: launch of the i-dep' mobile. Having had access since 2007 to the i-dep’ extranet, which automates every stage in the management of motorists whose car has broken down, breakdown service providers in the Europ Assistance France network can now use the mobile version of this high-performance platform. It can be used to send specific job information to the mechanic out on call, while Europ Assistance can use it to monitor the different stages of the intervention. Additional advantage: once the job is accepted by the breakdown service, the application works even when the GSM network is not available. Europ Assistance Group I 2011 Overview 46
  • 47. Europ Assistance Group Strategy One business: assistance A culture of responsibility Four areas of Care Service: Health   Health support: a growing need Today more than ever, people are looking for support in matters of healthcare. Online access to medical information, increasing demands regarding quality of healthcare, more and more specialists… we want to be sure of our sanitary and psychological well-being throughout our lives. It's a particularly crucial challenge in a world where life expectancy is continuing to increase. Europ Assistance Group I 2011 Overview 47
  • 48. Europ Assistance Group Strategy One business: assistance A culture of responsibility Four areas of Care Service: Health With Care Services, Europ Assistance meets the challenges of healthcare and dependence, with personalized solutions for medical care, monitoring or teleassistance.   Solutions with high added-value By making assistance services possible on both one-off and long-term bases, Europ Assistance is revolutionizing the Care world. Thanks to technological innovation associated with a strong human presence, we take daily care of your health and the health of your loved ones. Europ Assistance Group I 2011 Overview 48
  • 49. Europ Assistance Group Strategy One business: assistance A culture of responsibility Four areas of Care Service: Health   Personalized innovative services E-health Platform: an on-line solution dedicated to players in the health sector, to improve and simplify relations between patients and doctors (making appointments, managing medical files, prescriptions, …) Docticare: a health portal which provides access to a wide range of health information, offers personalized services for preventive healthcare and the management of medical data, and includes high added-value web services. The personal space allows users to create and update their medical files online or manage, download or print their clinical passports in several languages. Europ Assistance Group I 2011 Overview 49
  • 50. Europ Assistance Group Strategy One business: assistance A culture of responsibility Four areas of Care Service: Health   Personalized innovative services Europ Assistance Portugal launches, in partnership with Portugal Telecom, a new medical assistance offer called Téléassistance: a telephone installed in the customer's home provides a direct connection to the Europ Assistance call centre, 24 hours a day. By simply pressing the SOS button, the customer can obtain rapid assistance in case of emergency. Europ Assistance Belgium now offers a full Care Services package to people who have become dependent following a sudden illness or accident resulting in a state of dependency: delivery of hot meals, medication, essential household products, domestic help, transport for children, pet care, and adapting the home for medical purposes. The company, backed by Europ Assistance Austria, also offers a physiotherapy service. An initial agreement has been signed with Mensura (prevention and protection in the workplace). Europ Assistance Group I 2011 Overview 50
  • 51. Europ Assistance Group Strategy One business: assistance A culture of responsibility Four areas of Care Service: Home & Family   Europ Assistance invents the home services of the future Society is changing. In an increasingly mobile urban world, where you have to juggle between work, transport and family life, ultra-responsive support services have become indispensable. That is why Europ Assistance has invented the home services of the future. Personalized assistance and prevention services to ensure your peace of mind on a daily basis, and let you devote your spare time to your loved ones and your leisure activities. Europ Assistance Group I 2011 Overview 51
  • 52. Europ Assistance Group Strategy One business: assistance A culture of responsibility Four areas of Care Service: Home & Family   Support on a daily basis Babysitting, additional schooling, lost key insurance, support to elderly and dependent people to help them remain at home, boiler and large domestic appliance repairs, legal assistance … Through these local, personalized, innovative support services, we keep watch over your family and your home, to make your daily life easier and less wearing Europ Assistance Group I 2011 Overview 52
  • 53. Europ Assistance Group Strategy One business: assistance A culture of responsibility Four areas of Care Service: Home & Family   Personalized innovative services close at hand Europ Assistance Belgium: "House Assist" for home owners. At the beginning of 2011, Europ Assistance Belgium signed an agreement with the Syndicat National des Propriétaires (National Association of Homeowners), defending the rights of owners, co-owners and tenants in Belgium, to provide its 25,000 members with its House Assist cover (repair services, surveillance, water damage, etc.). Europ Assistance Canada: launch of home assistance in Ontario. The Canadian company is launching a full programme of home assistance services designed to help people facing the high costs and difficulties associated with the emergency repair of home appliances and equipment. To meet these needs, EA Canada has approved and trained a network of qualified engineers to cover the full range of appliances. Europ Assistance Group I 2011 Overview 53
  • 54. Europ Assistance Group Strategy One business: assistance A culture of responsibility Four areas of Care Service: Home & Family Identity protection in the USA with IDBeMe: Every year 10 million Americans are victims of identity theft: appropriated bank card numbers, social security numbers, driving licenses or passports, and pirated email addresses are the most common complaints filed in the USA. Europ Assistance Group I 2011 Overview 54
  • 55. A culture of responsibility Europ Assistance Group I 2011 Overview
  • 56. A culture of responsibility CSR STRATEGY: "THE SOCIAL FOOTPRINT" CREATING A "POSITIVE SOCIAL FOOTPRINT" COMMON VALUES INITIATIVES FOR CHARITY LOCAL KNOW-HOW PRIORITIZED Europ Assistance Group I 2011 Overview
  • 57. Europ Assistance Group Strategy One business: assistance A culture of responsibility CSR strategy: "the social footprint"   Corporate Social Responsibility (CSR) is an essential lever for our development strategy. In line with its pioneering spirit, Europ Assistance was the first international player in the sector to commit to a CSR strategy. Today, the Group’s development is inseparable from its social project, and links directly to its history, its areas of business and its values. Europ Assistance has chosen to develop the “social footprint” label, which now encompasses all Group initiatives in this area, in order to affirm Europ Assistance's status as a responsible company on both social and civic levels, and to promote its global commitments and local initiatives in the field of CSR. Europ Assistance Group I 2011 Overview 57
  • 58. Europ Assistance Group Strategy One business: assistance A culture of responsibility Creating a "positive social footprint" What is the company's "positive social footprint"? •  It is based on a conviction: companies today can no longer view their growth and performance criteria in the short term: they must consider them in a long-term perspective. And they can no longer ignore the impact which their activity has on society: they must take ownership of any negative external impact which they may generate. Sustainable profit is only possible if it creates for the company's internal and external ecosystem as a whole. •  Just like the carbon footprint, it is also a company's responsibility to be capable of measuring the social and civic impact of its activities on the ecosystem in the long term and in its entirety, on a regional, national or worldwide scale. Europ Assistance Group I 2011 Overview 58
  • 59. Creating a "positive social footprint"   Europ Assistance and "the positive social footprint": Europ Assistance supports aid for the development of new forms of enterprise in the world, in parallel to all initiatives carried out locally by the subsidiaries, reconciling economic performance, social performance and creation of value. For Europ Assistance, the development of new forms of enterprise which create innovative, lasting and reproducible solutions, is one of the most effective levers for changing the economic and social environment and create value at a local level.   In this context, Europ Assistance backs social entrepreneurship through its partnership with Ashoka and via a dozen entrepreneurs throughout the world. Europ Assistance Group I 2011 Overview 59
  • 60. Europ Assistance Group Strategy One business: assistance A culture of responsibility Creating a "positive social footprint"   Europ Assistance Group and Ashoka: In 2010 Europ Assistance made a commitment alongside Ashoka to back social entrepreneurship throughout the world. •  Through this strategic partnership with the biggest association in its field, Europ Assistance Group, which has made social entrepreneurship its major commitment in terms of social and civic responsibility, intends to contribute directly to the structuring and developing of the social entrepreneurship model worldwide, as it considers it to be a fundamental lever for bringing tangible responses to the challenges of contemporary society. Europ Assistance Group I 2011 Overview 60
  • 61. Europ Assistance Group Strategy One business: assistance A culture of responsibility Common values "Being Care" means defending your values every day on behalf of your customers' well-being. The Care ethic: care, kindness, professionalism. If Europ Assistance successfully supports you in a spirit of trust, both in everyday life and in exceptional circumstances, it is because each employee shares common human values: -  pioneer spirit, -  integrity, -  value creation, -  team performance, -  commitment to clients. Europ Assistance Group I 2011 Overview 61
  • 62. Europ Assistance Group Strategy One business: assistance A culture of responsibility Initiatives for charity   Travelling for charity with Massive Good •  Alongside MassiveGood, launched by the Millennium Foundation, a health promotion programme for emerging countries. •  Fundraising via a contribution de 2€, $, or £ taken from online purchases of plane tickets, hotel rooms or car rentals. •  The funds raised go to UNITAID, to help combat AIDS, malaria and tuberculosis. The programme is relayed on www.europassistance.com and www.netglobers.com Europ Assistance Group I 2011 Overview 62
  • 63. Europ Assistance Group Strategy One business: assistance A culture of responsibility Initiatives for charity   Local initiatives Europ Assistance and its subsidiaries work around the world on health, social and humanitarian projects, as close as possible to the reality of the countries where the Group is present. This commitment draws on local knowledge and skills, and produces tangible results. Some examples: -  the Group's IHS (International Health Solutions) Division has signed a partnership with AMREF, an association which is well-known for its "Flying doctor" air ambulance service which acts on behalf of health development in Africa. - Europ Assistance France provides support to the Second Chance Foundation, to sponsor individuals aged 18-60 who have suffered major difficulties in life but show strong motivation to move forward. - In 2010, Europ Assistance Italy has won the “Best green marketing project” award for its new green breakdown service in partnership with Cassa di Risparmio di Volterra which plants trees to offset emissions from towing trucks. - Europ Assistance Portugal is a partner of the Santarém centre for underprivileged children and young people. -  Europ Assistance CSA facilitates remote working for its employees who have moved home, encouraging loyalty among staff while reducing their travel costs and the company's carbon footprint. Europ Assistance Group I 2011 Overview 63 - 
  • 64. Europ Assistance Group Strategy One business: assistance A culture of responsibility Local know-how prioritized   Matching global efficiency with local solutions •  Prioritizing closeness to our customers for a personalized solution, and ensuring quality assistance. •  Maintaining presence on national markets for perfect knowledge of the field. •  Tangible initiatives on a daily basis. •  Deploying our global know-how locally. Europ Assistance Group I 2011 Overview 64
  • 65. http://www.europ-assistance.com Press Philippe Moucherat - Address pmoucherat@europ-assistance.com Europ Assistance Holding Business 7 boulevard Haussmann auto-mobility@europ-assistance.com 75309 PARIS CEDEX 09 travel@europ-assistance.com FRANCE health@europ-assistance.com Phone home-and-family@europ-assistance.com +33 (0) 1 58 34 23 00 Human resources career@europ-assistance.com Europ Assistance Group I 2011 Overview 65