The Digital Insurer Award - KAPITAL LIFE INSURANCE

1. KAPLIFE.RU
KAPLIFE.RU
ELECTRONIC DOCTOR DIAGNOSTIC SERVICE
AWARD APPLICATION FORM

2. © Kapital Life Insurance, LLC, 2021
No. 1 IN THE SEGMENT OF VOLUNTARY HEALTH INSURANCE AMONG
RUSSIAN LIFE INSURANCE COMPANIES
KAPITAL LIFE IS THE LARGEST AGENCY COMPANY IN THE LIFE
INSURANCE MARKET IN RUSSIA
2
16 YEARS OF LEADERSHIP IN THE LIFE
INSURANCE MARKET IN RUSSIA
 2 million customers
 63 regions, 11 time zones
 National Credit Ratings (NKR) rating at A.ru level,
stable forecast
No. 1 BY THE AUTHORIZED CAPITAL AMONG RUSSIAN LIFE INSURERS
No. 1 IN THE UNIVERSAL LIFE INSURANCE MARKET IN THE RUSSIAN
FEDERATION
No. 1 BY THE SIZE OF THE AGENCY NETWORK IN LIFE INSURANCE IN
THE RUSSIAN FEDERATION
No. 1 BY UNIVERSAL LIFE INSURANCE PAYMENTS AMONG LIFE
INSURERS
Providing people with quality insurance services we
help them to reach their plans of life, their dreams as
well as always feel protected.
OUR MISSION

3. © Kapital Life Insurance, LLC, 2021
INNOVATION (INSURTECH AND MEDTECH) AS A KEY PART OF THE OUR STRATEGY
3
Our strategic innovation goal is to build a
healthy lifestyle ecosystem that prevents
major health problems from our millions
of customers.
We are constantly developing, striving for
something new and progressive - for the
benefit of millions of our clients and their
loved ones.
We are implementing new breakthrough
digital projects on the way to the main
goal - the formation of the most modern
and technologically advanced service on
the Russian market.
Participation in the international TDI
award is an excellent opportunity for our
company to demonstrate success in
technological development and
innovation.
Evgeny Gurevich
KAPITAL LIFE CEO
Svetlana Adrova
KAPITAL LIFE CIO
KAPITAL LIFE implements large-scale work
to find and integrate the most
technologically advanced innovative
projects into business, including with the
help of the corporate startup competition
LIFE.medtech.
Our company is recognized as the
technology leader in Russian life
insurance and we are constantly
developing our competencies in digital
services.
We were one of the first in the Russian
insurance market to introduce the use of
medical robots with neural network
technology - we are proud to present this
breakthrough project for our country as
part of the TDI international award.

4. © Kapital Life Insurance, LLC, 2021 4
KAPITAL LIFE: LEADER IN DIGITALIZATION
KAPITAL LIFE is recognized as the
leader in digital transformation in the
life insurance market in the
framework of the Skolkovo Fund
rating.
KAPITAL LIFE is a laureate of the
XVI International Stolypin Prize for
leadership in digitalization in the life
insurance market.
KAPITAL LIFE became the winner of
national award "Best in Russia - 2018"
for the best online service in life
insurance.
KAPITAL LIFE digital services are
recognized as the most functional in the
Russian market according to "Invest Tech
Review" research by the Markswebb
analytical agency.
KAPITAL LIFE is No. 1 among life
insurers in the rating of digitalization
of The Russian Association for
Electronic Communications (RAEC)
KAPITAL LIFE is a winner of
Time for Innovation award for the
project of the year in the category
Insurance Services - the
LIFE.medtech innovative
accelerator.
KAPITAL LIFE was awarded the
Digital Leaders Award for socially
significant remote customer service
activities during 2020
2019
2020
2020
2018
2019, 2020
2020
2020

5. © Kapital Life Insurance, LLC, 2021 5
KAPITAL LIFE: RECOGNITION BY THE PROFESSIONAL COMMUNITY
KAPITAL LIFE is a multiple winner of
the INVESTOR AWARDS for the
best financial solution in the field of
investments.
KAPITAL LIFE has won the "Financial
Elite of Russia " award three times in
2016 through 2018 in the categories
"Reliability " and "Social
Responsibility".
KAPITAL LIFE is the winner of the
Financial Olympus-2018
competition in the Leader in
Payments in the Life Insurance
Market nomination.
The online settlement service of KAPITAL
LIFE was recognized as the innovation of the
year in life insurance. In 2020 the company
was awarded in the nomination "Leader of
universal life insurance in Russia".
KAPITAL LIFE has Quality Mark rate at
the A1 level for the highest quality of
services by the BusinessDrom
analytical agency.
KAPITAL LIFE is a laureate of the
Consumer Rights and Service Quality
Award for the best product offer.
KAPITAL LIFE became the winner of
national award "Best in Russia - 2018"
for the best online service in life
insurance.
KAPITAL LIFE is a laureate of the
"Regional Development. Best for
Russia-2019 " in the category "Best
agency network in the life insurance
market".
2019, 2020
2020
2018
2016, 2018, 2020
2018
2017
2019
2018

6. © Kapital Life Insurance, LLC, 2021 6
We would like to present a joint project with winners of the our LIFE+medtech international competition
- the Electronic Doctors from the company integrated into the our client's personal
account.
Life+medtech international competition, which we are carrying out for the third time, invites innovative projects and
startups in the area of medicine, healthcare, insurtech and new technologies (artificial intelligence, machine learning,
Big Data), etc. from all over the world (speaking Russian). Projects both at prototype stage and actively working business
are welcome to join the competition.
The main goal of the program is to find the best technology projects from around the world and integrate them into the
company's business. The winners are free and welcome to integrate with KAPITAL LIFE insurance business for mutual
synergy.
More than 250 projects applied for first two completions in 2018 and 2020. Applicants joined on various stages, from
idea to working business. The winners participated in joint initiatives with KAPITAL LIFE aimed and risk protection,
healthcare management, cost saving, etc.
SEARCHING FOR THE BEST STARTUPS AND
INTEGRATING THEM INTO THE BUSINESS

7. © Kapital Life Insurance, LLC, 2021 7
 The Electronic Doctor is a self-learning software complex created by Call4life’s Israeli specialists in
accordance with recommendations of American, European, and Israeli medical associations.
 The Electronic Doctors were developed based on the database of medical cases of Israeli clinics (Shiba,
Chameleon base) and using AI. The analysis of data provided in total consolidate over 110,000 of
accumulated patient cases tracking symptoms, test results, diagnosis, and treatment protocols.
WHAT IS ELECTRONIC DOCTOR
 It allows to identify the risks of various diseases at an early stage, without
the participation of doctors, using algorithms and machine learning
(neural networks).
 Collect and analyze health related information and create customer
profiles with risks of various diseases probability.
 Electronic doctors are a substitution for the first consultation with a
doctor.

8. © Kapital Life Insurance, LLC, 2021 8
Oncorisk
Identifies the likelihood of oncological diseases
Women’s health
Determines the current health status of a woman
Weight management
Identifies the risk of endocrine diseases
Chronic Fatigue
Determines the presence of chronic fatigue
Check yourself right now Check yourself right now
Check yourself right now Check yourself right now
WE OFFER OUR CLIENTS SEVERAL TYPES OF ELECTRONIC DOCTORS
developed in accordance with
recommendations of the U.S. Agency for
Healthcare Research and Quality's and U.S.
Preventive Services Task Force
developed in accordance with
recommendations of the American College of
Obstetricians and Gynecologists, U.S.
Preventive Services Task Force and Women's
Health Questionnaire.
developed in accordance with
recommendations of the U.S. Agency for
Healthcare Research and Quality’s, European
Association for Gastroenterology, Endoscopy
and Nutrition.
developed in accordance with
recommendations of the Centers for Disease
Control and Prevention (CDC), the National
Institutes of Health (NIH) and the New York
State Department of Health (NYSDOH)

9. © Kapital Life Insurance, LLC, 2021 9
ELECTRONIC DOCTORS ARE INTEGRATED INTO THE CLIENT'S PERSONAL
ACCOUNT AND ARE AVAILABLE TO EACH OUR CLIENT

10. © Kapital Life Insurance, LLC, 2021 10
Customers value electronic doctors and consider them as care for their health
demonstrated by the insurance company
CUSTOMER'S BENEFITS
KAPITAL LIFE helps clients to maintain health, physical well-being and longevity,
as well as improve the quality of life in general
Electronic doctors are a substitution for the first consultation with a doctor. They collect anamnesis and provide the client
with a list of analyses to pass before the next consultation with a human doctor.
Help avoid mistakes of the so-called human factor in primary consultations.
Our solution has an interface for healthcare professionals with all information about the client that can be used by a
human doctor when preparing for consultation.
It is a great tool to save patients and doctors time, and improve quality of the consultation as it suggests potential
diseases, the list of analysis to be taken.
Electronic doctors allow our company to create or improve a patient-centric approach in treatment and improve time
efficiency for doctors and clinics.

11. © Kapital Life Insurance, LLC, 2021 11
Electronic doctors collect and analyze health related
information and create customer profiles with risks of
various diseases probability. This information is used
as a risk assessment and risk prevention tool and allow
us to minimize risks.
Risk assessment
INSURANCE COMPANY BENEFITS
A consultation with Artificial Intelligence available in
any place at any time. The uniqueness of our
Electronic doctors, their accessibility and affordability
are proved to be unbeatable value offer.
Unique Value-added service
Electronic doctor’s completion rate varies from 87 to
95%. Thus, our company receives an opportunity to
renew the database of our customers and urge customers
to purchase new insurance products. Electronic doctors
have high perceived value for the customers and are
considered by customers as care for their health by the
insurance company.
Database renewal
Electronic doctors are used as a lead generation
instrument. We offer everyone interested to pass our
Electronic doctor for free. After passing the bot we offer
the client to buy a policy. Thus, we create a relevant
customer base and lower customer acquisition costs
significantly. Using the service allowed us to double the
response of the cold customer database.
Lead generation

12. © Kapital Life Insurance, LLC, 2021 12
IMPACT OF THE INNOVATION
Risks reduction Move to risk prevention model
Getting new information about
clients
Personalization of offers to
clients
Sales growth, including growth
in cross-selling
Improving the quality of life in
general for our clients