1. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna 1 Caterpillar Assignee Briefing Cheryl Rowlson International Client Manager May 2016 1

2. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna 2 Agenda Caterpillar Plan Design Cigna Member Services: Contact Networks & CignaLinks Medical Support Claims Cigna Envoy Website & Mobile App  Health & Wellbeing tools Singapore Q&A

3. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna 3 Agenda Caterpillar (RoW) Plan Design (1)

4. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna 4 Global Plan Benefits View benefits at: Cigna Envoy member portal, Cigna handbook (pdf), benefits.cat.com, and Cigna benefits booklet (sent in your enrolment/ welcome e-mail) Medical Full refund on most medically necessary treatment - (see schedule for any limits) Emergency evacuation cover Preventative wellness benefits included - (see schedule for any limits) Dental Annual exams and treatment covered Most treatment subject to co-pay contributions, annual limit £1,400 Vision Annual exam and contribution toward prescription lenses (Up to £150 per annum) Call CIGNA if you are unsure if treatment is covered Employee Assistance Programme (EAP) Confidential advice, coaching and support throughout the lifecycle of an assignment Work and family life, cultural adjustments, transitions including repatriation

5. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna 5 Agenda Cigna Member Services (2)

6. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna 6 Global access to health services CignaLinks Network Cigna US Network GLOBAL REACH, LOCAL SOLUTIONS 300 - 3,000 30 - 300 Direct Network 5 - 30 1 - 5 BRAZIL SPAIN UK BAHRAIN KUWAIT OMAN QATAR SAUDI ARABIA UAE SOUTH-AFRICA MOROCCO KENYA TANZANIA EGYPT NIGERIA HONG KONG CHINA TAIWAN MACAU INDONESIA MALAYSIA SINGAPORE AUSTRALIA Cigna PPO Network / Cigna Health Care Network 750,000+ providers Global Access to Health Services CANADA

7. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna 7 CignaLinks INTEGRATED solution with local partners Greater cost SAVINGS COMPLIANCE with local regulations Access to LOCAL provider networks Local knowledge and customer SERVICE

8. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna 8 Where is CignaLinks available? AlliancesCountriesComplianceLocal Presence Network Savings Claims Processed by CL Partners CIGNAUKUK ○●●○ SAICOKSA, UAE, Bahrain, Kuwait, Qatar, Oman ●●●● QHMSHong Kong, China, Taiwan, Macau ○●●● ParkwaySingapore, Malaysia, Indonesia ○●●● GUAustralia ●●●● MSOSouth Africa, Kenya, Tanzania, Morocco, Egypt, Nigeria ○●●● Gama SaúdeBrazil ○●●● CIGNA SpainSpain ○●●● CowanCanada ○●●●

9. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna 9 Global medical support team EMPLOYED BY CIGNA IN-HOUSE TEAM  Medical correspondents  CignaLinks® medical consultants  Medical Specialists 58 Clinical case managers & Nurses 35 Network Managers 39 Medical doctors

10. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna 10 Streamlined Claims Management Fax, Scan and Email Claims Hardcopy Claim 74% Of all claims are paid via direct settlement ISO Certified Zero Cost Submission Low Cost Submission

11. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna 11 CignaEnvoy Any Time, Anywhere, Any Device No matter what device members are using (Mobile, tablet, laptop or desktop) they can access our services from anywhere in the world… 24/7/365

12. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna 12 CignaEnvoy

13. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna 13 CignaEnvoy Quick Link Icon Plans and Trackers

14. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna 14 CignaEnvoy

15. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna 15 CignaEnvoy Member ID Cards View & Print Main Option

16. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna 16 CignaEnvoy Instant Claims Status Icons Quick Link Icon Submit New Claim Button Sortable Claims History

17. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna 17 CignaEnvoy Quick Search Pane

18. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna 18 CignaEnvoy

19. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna 19 CignaEnvoy Health & Wellbeing Tools

20. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna 20 CignaEnvoy General country information Safety and travel risks Vaccinations Translation tool for drugs and medical terms Overview of benefits

21. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna 21 Health & Wellbeing Tools

22. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna 22 CignaEnvoy Mobile App – Photo Claims Submission

23. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna 23 24/7 Resources – Who to call ? Cigna Customer Service (24/7) Request membership cards Status of claims Provider searches / bookings Confirmation of benefit coverage Cigna website: www.Cignaenvoy.comwww.Cignaenvoy.com Always telephone if you need immediate assistance International EAP – 24hr Counselling & Support Personal and family work/life advice and support Caterpillar have another IAP for face to face counselling in addition to the Cigna service. International SOS Emergency medical assistance and medical advice In case of emergency – call your local emergency provider as designated by your location Cigna By phone: OUTSIDE THE USA +44 (0) 1475 492 197 +1 800 253 7052 Via email: ice.team@cigna.com International EAP By phone: +44 (0) 2089876550 (*contact your international operator and request reverse charge/collect call or dial us and we will call you back) Via email: support@worldwideassist.co.uk ISOS: +44 (0) 2079 398 871 (tell them you are a member of the Caterpillar group)

24. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna 24 Agenda Singapore (3)

25. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna 25 CignaLinks Singapore Cigna & Parkway Shenton Health partnership formed in 2007 (1 of 13 Global Alliances) Parkway Shenton (Singapore) Parkway Shenton is Singapore’s premier primary healthcare solutions provider. Parkway is a leading healthcare group based in Singapore, operating 16 hospitals with more than 3,000 beds in Asia. The company provides our members priority direct settlement access to some of the most prestigious hospitals in the country - Mount Elizabeth Hospital, Gleneagles Hospital and East Shore Hospital. Our members also enjoy the benefits of access to the professional radiology and laboratory services from MediRad and Parkway Laboratory Services, the largest private reference laboratory in the country - they monitor and improve the health & wellness of their people through assessments, personalised reports and lifestyle management services. Partnering with leading specialists, they provide a complete health & performance solution to our members.

26. Confidential, unpublished property of Cigna. Do not duplicate or distribute. Use and distribution limited solely to authorized personnel. © 2014 Cigna 26 Questions?