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Local protection, global connection




 The Generali Mobile Health Plan



Presented by Craig Cornwell – Corporate Mobile Benefit Unit




                                                              1
What are the 3 most important attributes of an insurer?




              1.Service
              2.Service
              3.Service

Service is required for:

-   Policy issuing
-   Plan set up
-   Claims handling
-   Client Management
-   And of course, our service to you!




                                                          2
Our Values




Innovation: Leads to us continuously searching for new and
improved solutions to benefit our clients

Flexibility: That allows every member of the Generali group to
capitalise on change. We always remain open to fresh ideas and
adapt to suit each and every client we work with.

Reliability: We consider ourselves to be a trusted resource in an
ever-changing market.

Professionalism: Driven by a strong commitment to keep
improving our knowledge and technical expertise to assist our
clients wherever and whenever we may be needed.

Passion: Which is at the very heart of everything that we do



                                                                    3
Some statistics for you



                       Founded in 1831 ; Largest European Life Insurance company
 Leading insurer
                       2011: € 70 billion GWP (70% Life - 30% Non Life )


                       Presence in > over 90 countries ; > over 85,000 employees ; > 70 million
                        clients
 International         Historical leader in Italy ; Top-tier presence in all key European markets
 player                Strong presence in emerging markets (CEE & Asia)
                       Over 40 of the top 100 companies listed in the Fortune 500 list are insured
                        with Generali



                       Traditional: agents & brokers, tied sales force
 Multi distribution
                       Alternative channels: Banc assurance, IFAs & Direct clients




 Strong capital        Strong rating from key agencies (S&P’s: A ; AM best: A ; Fitch: A-) ;
 base                   S1:132% ; S2: 141%




                                                                                                      4
The Generali Advantage



•      Comprehensive plan design
•      Worldwide, Worldwide Excluding USA
•      Optional benefits for cost management
•      Annual Limits of €1.5million, €2.5million
•      Medical History disregarded as standard
•      Online claim submission and claims look up
•      Hospital finder and document download section
•      Local regional services centres for claims handling
•      Global presence with a long history

•      Well respected leader in insurance, long-term financial stability

•      Full range of coverage's including Health, Life, Disability & Pension

•      Global captive or pooling arrangements




                                                                               5
Highlighted benefits in addition to our standard benefits

                              Alternative Therapies, Chronic Conditions,
                              Oncology, Aids & HIV, Psychiatric and
 In-patient Care
                              Counselling, Hospice & Palliative & Accidental
                              Dental
                              Alternative Therapies, Chronic Conditions,
                              Oncology, Speech Therapy, Durable Medical
 Out-Patient Care
                              Equipment, Psychiatric and Counselling and
                              Hospice & Palliative
                              Routine Health Checks, Hearing Checks,
                              Cancer Screening, Pap Smear Tests, Well-
 Routine Health Management
                              Child Examinations & Vaccinations all as
                              standard
                              C-Sections Emergency & Elective are
 Maternity Benefits           covered, Congenital Conditions all as
                              standard

                              Ground & Air Transportation, Clinical Escort,
 Evacuation & Repatriation
                              Repatriation of Mortal Remains

                              Routine Dental, Basic & Major Restorative,
 Dental (Optional)
                              Preventative & Orthodontics

                              Eye Exam, Prescribed Glasses & Prescribed
 Vision (Optional)
                              Contact Lenses

 Cost Management (optional)   Deductible Variations & Co-Pay Options




                                                                               6
Clear and concise documentation




                                  7
Strong Claims Processing: fast, accurate claims payment
•   Centralised IT / Experts & High        • Experienced claims processors
    Values                                 • find bill errors and fraud
•   1 central Hub                          • Most claims paid within 5 days
•   High Value Claims Payments             • Ability to pay or reimburse in
•   Premium Collection                     policy or local currencies
•   Technical Data warehouse               • Accurate adjudication against
•   Network Management                     policy and application of contracted
•   Service 24-7 / 365                     or discounted rates
•   Toll Free numbers available            • Negotiations and bill audits as
•   Online interactive claims submission   required
•   Document download area and             • Integrated cost containment
    hospital / facility finder             leveraging information from medical
                                           management, networks and prior
                                           history




                                                                                  8
Processes simplified

                  MINOR OUT PATIENT CLAIMS                         IN PATIENT CLAIMS




 BENEFICIARY                                   CMN   BENEFICIARY                       EA / CMN GCS




                      Visit to a GP or to a                        Admission to the
                            specialist                                hospital
                     Cashless or pay-out of
                              pocket                            Emergency: control of
                                                                      eligibility
                        For out of pocket                      Programmed treatment:
                     expenses. Back home,                         checking the pre-
                     connect on CMN© web                            authorization
                              portal
                     Upload the invoice, the                    Case management by
Check on line        receipt of payment and
 the status of                                                 coordinators with nurses
                      any other supporting                      and medical doctors in
his / her claim
                           documents                            direct relation with the
                                                                   medical provider
                       Claims adjudication
                                                                   Invoices controls
                                                                     Investigations
                     Agreement for payment
                         and payment
                                                               Agreement for payment
                                                                 and payment to the
                                                                  provider directly




                                                                                                      9
24 Hour management and customer service

    24/7, 365-days-a-year access to
     multilingual case management and
     customer service teams
    Process, benefits and claims enquiries
    Over 22 nurses and 3 doctors providing
     medical management
    Medical Precertification to ensure
     appropriate utilization
    Steerage of patients, pre-authorizations,
     coordination of admissions, monitoring of
     treatment, patient support

                                   Global coverage for clients and their
                                    beneficiaries
                                   Manage eligibility and policy considerations
                                   Support emergency, routine and planned
                                    tertiary care
                                   Strong patient care while managing costs
                                   Rapid response improves outcomes and
                                    ensures appropriate care levels and
                                    locations

                                                                                   10
Web Portal Services & Online Claiming

       Before             During             After



     ADVICE ON       H24 EMERGENCY      SUBMIT A CLAIM
 HEALTH & SECURITY       CENTER

  RISK MANAGEMENT    CUSTOMER SERVICE   MY CLAIM HISTORY
      SERVICES
                      NURSE HOTLINE
    MY HEALTH        VIRTUAL DOCTOR
   PLAN & COVER


  FIND A PROVIDER


  PRINT MY ID CARD




                                                           11
Thank you

Craig Cornwell
Healthcare Business Development Officer

Generali Employee Benefits
149, Avenue Louise
1050 Brussels, Belgium
Email cornwell@generali-international.be
Tel    +32-2- 535- 71- 78
Mobile + 32-491-72-22-61




                                           12

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Local protection, global connection: The Generali Mobile Health Plan

  • 1. Local protection, global connection The Generali Mobile Health Plan Presented by Craig Cornwell – Corporate Mobile Benefit Unit 1
  • 2. What are the 3 most important attributes of an insurer? 1.Service 2.Service 3.Service Service is required for: - Policy issuing - Plan set up - Claims handling - Client Management - And of course, our service to you! 2
  • 3. Our Values Innovation: Leads to us continuously searching for new and improved solutions to benefit our clients Flexibility: That allows every member of the Generali group to capitalise on change. We always remain open to fresh ideas and adapt to suit each and every client we work with. Reliability: We consider ourselves to be a trusted resource in an ever-changing market. Professionalism: Driven by a strong commitment to keep improving our knowledge and technical expertise to assist our clients wherever and whenever we may be needed. Passion: Which is at the very heart of everything that we do 3
  • 4. Some statistics for you  Founded in 1831 ; Largest European Life Insurance company Leading insurer  2011: € 70 billion GWP (70% Life - 30% Non Life )  Presence in > over 90 countries ; > over 85,000 employees ; > 70 million clients International  Historical leader in Italy ; Top-tier presence in all key European markets player  Strong presence in emerging markets (CEE & Asia)  Over 40 of the top 100 companies listed in the Fortune 500 list are insured with Generali  Traditional: agents & brokers, tied sales force Multi distribution  Alternative channels: Banc assurance, IFAs & Direct clients Strong capital  Strong rating from key agencies (S&P’s: A ; AM best: A ; Fitch: A-) ; base S1:132% ; S2: 141% 4
  • 5. The Generali Advantage • Comprehensive plan design • Worldwide, Worldwide Excluding USA • Optional benefits for cost management • Annual Limits of €1.5million, €2.5million • Medical History disregarded as standard • Online claim submission and claims look up • Hospital finder and document download section • Local regional services centres for claims handling • Global presence with a long history • Well respected leader in insurance, long-term financial stability • Full range of coverage's including Health, Life, Disability & Pension • Global captive or pooling arrangements 5
  • 6. Highlighted benefits in addition to our standard benefits Alternative Therapies, Chronic Conditions, Oncology, Aids & HIV, Psychiatric and In-patient Care Counselling, Hospice & Palliative & Accidental Dental Alternative Therapies, Chronic Conditions, Oncology, Speech Therapy, Durable Medical Out-Patient Care Equipment, Psychiatric and Counselling and Hospice & Palliative Routine Health Checks, Hearing Checks, Cancer Screening, Pap Smear Tests, Well- Routine Health Management Child Examinations & Vaccinations all as standard C-Sections Emergency & Elective are Maternity Benefits covered, Congenital Conditions all as standard Ground & Air Transportation, Clinical Escort, Evacuation & Repatriation Repatriation of Mortal Remains Routine Dental, Basic & Major Restorative, Dental (Optional) Preventative & Orthodontics Eye Exam, Prescribed Glasses & Prescribed Vision (Optional) Contact Lenses Cost Management (optional) Deductible Variations & Co-Pay Options 6
  • 7. Clear and concise documentation 7
  • 8. Strong Claims Processing: fast, accurate claims payment • Centralised IT / Experts & High • Experienced claims processors Values • find bill errors and fraud • 1 central Hub • Most claims paid within 5 days • High Value Claims Payments • Ability to pay or reimburse in • Premium Collection policy or local currencies • Technical Data warehouse • Accurate adjudication against • Network Management policy and application of contracted • Service 24-7 / 365 or discounted rates • Toll Free numbers available • Negotiations and bill audits as • Online interactive claims submission required • Document download area and • Integrated cost containment hospital / facility finder leveraging information from medical management, networks and prior history 8
  • 9. Processes simplified MINOR OUT PATIENT CLAIMS IN PATIENT CLAIMS BENEFICIARY CMN BENEFICIARY EA / CMN GCS Visit to a GP or to a Admission to the specialist hospital Cashless or pay-out of pocket Emergency: control of eligibility For out of pocket Programmed treatment: expenses. Back home, checking the pre- connect on CMN© web authorization portal Upload the invoice, the Case management by Check on line receipt of payment and the status of coordinators with nurses any other supporting and medical doctors in his / her claim documents direct relation with the medical provider Claims adjudication Invoices controls Investigations Agreement for payment and payment Agreement for payment and payment to the provider directly 9
  • 10. 24 Hour management and customer service  24/7, 365-days-a-year access to multilingual case management and customer service teams  Process, benefits and claims enquiries  Over 22 nurses and 3 doctors providing medical management  Medical Precertification to ensure appropriate utilization  Steerage of patients, pre-authorizations, coordination of admissions, monitoring of treatment, patient support  Global coverage for clients and their beneficiaries  Manage eligibility and policy considerations  Support emergency, routine and planned tertiary care  Strong patient care while managing costs  Rapid response improves outcomes and ensures appropriate care levels and locations 10
  • 11. Web Portal Services & Online Claiming Before During After ADVICE ON H24 EMERGENCY SUBMIT A CLAIM HEALTH & SECURITY CENTER RISK MANAGEMENT CUSTOMER SERVICE MY CLAIM HISTORY SERVICES NURSE HOTLINE MY HEALTH VIRTUAL DOCTOR PLAN & COVER FIND A PROVIDER PRINT MY ID CARD 11
  • 12. Thank you Craig Cornwell Healthcare Business Development Officer Generali Employee Benefits 149, Avenue Louise 1050 Brussels, Belgium Email cornwell@generali-international.be Tel +32-2- 535- 71- 78 Mobile + 32-491-72-22-61 12

Editor's Notes

  1. Be descriptive but only highlight key points