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De nieuwe zorgverzekeraar
               The new healthcare insurance company

Rob Adolfsen
ANNO12

                              WHY
                                    Newspapers last week
                                    No influence by the insured people

                              WHAT
                                    Fully owned by the customers
                                    Decisions approved by the customers

                              WHEN
                                    01-01-2014



Crowdfunding Day <15 april 2013>
Basics

                              Starting a healthcare insurance company is easy

                              1. Knowledge of the business and legal systems

                              2. Customers

                              3. Capital



                              Hasn’t been done since 25 years!



Crowdfunding Day <15 april 2013>
Figures

                               Target
                                 o first year > 10.000 policyholders
                                 o fifth year > 100.000 policyholders
                               Turnover
                                 o first year > € 25.000.000
                                 o fifth year > € 250.000.000
                               Capital (Solvency-II level)
                                 o first year > € 8 mln
                                 o fifth year > € 75 mln
                               Start-up cost
                                 o € 3,2 mln

Crowdfunding Day <15 april 2013>
Facts

                                DNB requires guarantee for Solvency capital

                                No private financier for Solvency capital

                                Little interest of financiers in startup
                                   o initiators:       € 1,0 mln
                                   o financiers:       € 1,0 mln
                                   o to go:            € 1,2 mln

                                Banks?
                                  o next sheet please!



Crowdfunding Day <15 april 2013>
Conclusions

                               Nice idea

                               Lot of fascination

                               Not enough money

                               Lot of rules to meet


                               STOP!!
                      It can’t be done, or??
Crowdfunding Day <15 april 2013>
Another way

                               Think differently
                                 o without big financiers
                                 o without banks
                                 o with people
                                 o with innovation

                               Use the power of the crowd

                               Use innovative thoughts
                                 o cooperation's
                                 o web



Crowdfunding Day <15 april 2013>
Power and thoughts

                               Use and combine thoughts about
                                 o cooperation's
                                 o solidarity
                                 o independence
                                 o web

                               Use and combine the power of
                                 o sourcing
                                 o funding


        Resulting in innovative crowd
Crowdfunding Day <15 april 2013>
Crowdfunding

                              Two campaigns

                              1. Funding start-up cost of € 1,2 mio
                                 o Starts now on this moment (16.00h)!!
                                 o 50 days

                              2. Funding solvency capital of € 8 à 75 mio
                                 o Yearly
                                 o Starts in October every year




Crowdfunding Day <15 april 2013>
Before: CHECK, CHECK, DOUBLE CHECK

                               The business idea (2011)
                                 o use and purpose
                                 o feasebility

                               Realism of crowdsourcing (2012)
                                 o registration interested people
                                 o registration Newsflash

                               Verify crowdfunding (feb-march 2013)
                                 o € 700.000 in six weeks!!
                                 o without obligations,
                                                but beyond our expectations


Crowdfunding Day <15 april 2013>
Crowdfunding campaign website
             Having a good website (www.anno12.nl) is a must 




Crowdfunding Day <15 april 2013>
Crowdfunding campaign actions

                               Inside – out (not all at once)
                                  o members of crowdfunding investigation
                                  o interested people
                                  o network of the initiators
                                  o classic media

                               The rank and file of our “believers”

                               Use of social media and blogs




Crowdfunding Day <15 april 2013>
Essentials of success

                               Outside world
                                 o finding “believers”
                                 o enough “believers” WITH guts
                               Inside world
                                  o teamwork
                                  o don’t give up
                                  o creativity
                                  o passion
                               Powered by




Crowdfunding Day <15 april 2013>
Real succes?




                     We’ll see in 50 days !!



Crowdfunding Day <15 april 2013>

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Crowdfunding Day - Anno12 by Rob Adolfsen

  • 1. De nieuwe zorgverzekeraar The new healthcare insurance company Rob Adolfsen
  • 2. ANNO12 WHY  Newspapers last week  No influence by the insured people WHAT  Fully owned by the customers  Decisions approved by the customers WHEN  01-01-2014 Crowdfunding Day <15 april 2013>
  • 3. Basics Starting a healthcare insurance company is easy 1. Knowledge of the business and legal systems 2. Customers 3. Capital Hasn’t been done since 25 years! Crowdfunding Day <15 april 2013>
  • 4. Figures  Target o first year > 10.000 policyholders o fifth year > 100.000 policyholders  Turnover o first year > € 25.000.000 o fifth year > € 250.000.000  Capital (Solvency-II level) o first year > € 8 mln o fifth year > € 75 mln  Start-up cost o € 3,2 mln Crowdfunding Day <15 april 2013>
  • 5. Facts  DNB requires guarantee for Solvency capital  No private financier for Solvency capital  Little interest of financiers in startup o initiators: € 1,0 mln o financiers: € 1,0 mln o to go: € 1,2 mln  Banks? o next sheet please! Crowdfunding Day <15 april 2013>
  • 6. Conclusions  Nice idea  Lot of fascination  Not enough money  Lot of rules to meet STOP!! It can’t be done, or?? Crowdfunding Day <15 april 2013>
  • 7. Another way  Think differently o without big financiers o without banks o with people o with innovation  Use the power of the crowd  Use innovative thoughts o cooperation's o web Crowdfunding Day <15 april 2013>
  • 8. Power and thoughts  Use and combine thoughts about o cooperation's o solidarity o independence o web  Use and combine the power of o sourcing o funding Resulting in innovative crowd Crowdfunding Day <15 april 2013>
  • 9. Crowdfunding Two campaigns 1. Funding start-up cost of € 1,2 mio o Starts now on this moment (16.00h)!! o 50 days 2. Funding solvency capital of € 8 à 75 mio o Yearly o Starts in October every year Crowdfunding Day <15 april 2013>
  • 10. Before: CHECK, CHECK, DOUBLE CHECK  The business idea (2011) o use and purpose o feasebility  Realism of crowdsourcing (2012) o registration interested people o registration Newsflash  Verify crowdfunding (feb-march 2013) o € 700.000 in six weeks!! o without obligations, but beyond our expectations Crowdfunding Day <15 april 2013>
  • 11. Crowdfunding campaign website Having a good website (www.anno12.nl) is a must  Crowdfunding Day <15 april 2013>
  • 12. Crowdfunding campaign actions  Inside – out (not all at once) o members of crowdfunding investigation o interested people o network of the initiators o classic media  The rank and file of our “believers”  Use of social media and blogs Crowdfunding Day <15 april 2013>
  • 13. Essentials of success  Outside world o finding “believers” o enough “believers” WITH guts  Inside world o teamwork o don’t give up o creativity o passion  Powered by Crowdfunding Day <15 april 2013>
  • 14. Real succes? We’ll see in 50 days !! Crowdfunding Day <15 april 2013>