STAR HEALTH AND ALLIED INSURANCE CO. LTD.

About ourselves.. Commenced operations on 18th May’2006 with an unique distinction of being the first Standalone Health Insurer of India Had a humble beginning with Rs. 18 crs of premium during the first year, grew leaps and bounds by registering GDP of Rs. 860 crs during FY 2012-13 Now operating through 224 Branch offices and 512 SMS with more than 5000 employees in the service of the insuring public Had the privilege of handling 3 mega schemes Rajiv Aarogyasree in AP Chief Ministers Health Insurance Scheme in TN Govt. Employees Scheme in TN Has been maintaining growth rate consistently more than the industry average

Our Promoters and Investors.. Oman Insurance Company, UAE Leading NRIs Indian Business Houses Investors: ICICI Ventures Funds Sequoia Capital Tata Capital Growth Fund Paid up capital : INR 326.95 Crs

Board of Directors… Mr. V. Jagannathan Mr. Essa Abdullah Al Ghurair Chairman cum Managing Director Mr. Essa Abdullah Al Ghurair From the prominent Al Ghurair family in UAE Mr. Patrick Choffel CEO, Oman Insurance Company (PSC) Dr. M.Y. Khan Former Chairman J&K Bank and Banking and Advisory council, YES Bank Mr. D.R. Kaarthikeyan IPS Former Director C B I, Police Academy and Director General NHRC Mr. V.P. Nagarajan Executive Director of ETA Ascon and ETA Star Group of companies, UAE Mr. D C Gupta IAS Former Secretary (Expenditure) Government of lndia Ms. Vishakha Mulye CEO & Managing Director, ICICI Venture Funds Mr. Sumir Chadha Co founder & Managing Director West Bridge Capital Partners Mr. Akhil Awasthi Managing Partner - Tata Capital Growth Fund (TCGF)

Organizational Structure Corporate Office Zonal Offices Area Offices Branch Offices SM Station SM Corporate Agents/Brokers Agents MTs

Our Organizational Strength Branch Offices - 224 Area Offices – 22 Zonal Offices - 12 SM Stations – 512 (emp. – 100) Employees – 5041 Doctors - 182 Active Agents – 59,958

Our Popular Products.. Health Personal Accident Overseas Travel Medi Classic (Individual & Group) Family Health Optima Senior Citizens’ Red Carpet Star Diabetes Safe Star Super Surplus (Individual & Family Floater) True Value HIV Care (Star Net Plus). Star Health Gain (IP + OP Benefits) Star All Care (for NRIs) Star Criticare Plus Star Unique Insurance (covers PED also) Star Wedding Gift (with maternity benefits) Medi Classic with PA FHO with PA Star Cardiac Care Health Plus Life Star Shri Individual Care Star Shri Family Care Accident Care (Individual & Group) Accident Trauma Care (Individual & Group) Student Care Travel Protect for Individual Family Travel Protect Student Travel Protect Corporate Travel Protect

Our innovations… First to introduce product for Senior Citizens ‘top up’ plan –”Star Super Surplus” ‘ Health + Life’ combi product coverage for HIV +ve groups. coverage for cardiac patients – “Star Cardiac Care”

Performance - Retail 2006-07 61 8.5 NA 2007-08 299 42.2 398% 2008-09 Year No. of Policies (in Thousands) Premium (Rs. in Crores) Growth Rate 2006-07 61 8.5 NA 2007-08 299 42.2 398% 2008-09 504 95.2 126% 2009-10 763 183.2 92% 2010 –11 1132 337.6 84% 2011-12 1266 501.9 49% 2012-13 1325 770.3 53%

Portfolio wise Performance Rs. In Crore PERIOD HEALTH ACCIDENT (PA) OMP Total No. of Policies Premium 2006 - 07 24689 6.4 32998 1.3 3213 0.8 60900 8.5 2007 - 08 112119 32.1 178481 7.6 8289 2.5 298889 42.2 2008 - 09 264725 82.1 227847 9.1 11115 4.1 503687 95.2 2009 - 10 493531 164.4 247579 10.9 20976 7.8 762086 183.2 2010 - 11 806996 310.9 292242 15.2 32115 11.5 1131353 337.6 2011 - 12 1005121 472.6 226474 17.4 33803 11.9 1265398 501.9 2012 - 13 1155919 740.3 131282 16.6 38066 13.4 1325267 770.3

Health Insurance Premium overall 2012-13 Rs. In Crores SL No Insurers Health 1 New India 2757.71 2 United India 2642.81 3 National 2372.22 4 ICICI-lombard 1665.17 5 Oriental 1491.94 6 Star Health 843.80 7 Apollo Munich 598.75 8 Bajaj Allianz 594.85 9 HDFC ERGO 521.50 10 Reliance General 295.53 11 Cholamandalam MS 287.00 12 IFFCO-Tokio 210.79 13 Royal Sundaram 209.23 14 Max Bupa 206.52 15 Bharti AXA 195.49 16 Tata-AIG 181.87 17 Future Generali 139.13 18 Universal Sompo 55.27 19 Religare 38.39 20 L&T General 26.03 21 SBI General 6.74 22 Raheja QBE 0.02 Grand Total 15340.78 Source GIC Ranking 6th amongst all General Insurers in garnering Health insurance Premium Ranking 2nd amongst Private Insurers in securing Health Premium Ranking 1st amongst the Standalone Health Insurers in premium base

Milestones crossed in Mass Insurance.. Sole Insurer covering Apathbandhu Personal Accident Insurance Scheme to the BPL families in the State of Andhra Pradesh during 2006-09 Sole Insurer for Rajiv Aarogyasri Community Health Insurance Scheme in Andhra Pradesh State covering 7 Cr individuals, during 2007 -12 Lead Insurer for Tamil Nadu Government Employees (50 lakh individuals) for four years during 2008-12. Lead Insurer for the Chief Minister’s Insurance Scheme for Life Saving Treatments covering nearly 5 cr individuals in Tamilnadu during 2009 -11. Successfully implementing RSBY Scheme in 8 districts of Jharkhand, 6 districts of Uttarakhand, 6 districts of Odissa and 6 dist. in Gujarat States.

Effective Claims Management – service uncompromised First company to have in house settlement of claims with qualified medical professionals Cashless with TAT less than 2 hours in 90% of cases Cashless Claims settlement decentralized at zone level with prescribed limits. Re-imbursement claims settled within 10 days on receipt of documents We service our customers through 2056 Agreed network hospitals, 5431 Empanelled hospitals and 724 empanelled diagnostic centers. Hospital Relationship Managers in each zone to strengthen relationship with our network hospitals 24 X 7 In house Toll Free Call Centre for claims facilitation and claims assistance center at Zonal level Field visit by our Doctors to verify authenticity of claims Regional vigilance officers in every zone for market intelligence and monitoring offices

Claims Handled (retail)  Year PA Health OMP Total 2006-07 97 1217 35 1349 2007-08 386 9541 130 10057 2008-09 828 29880 225 30933 2009-10 1277 67610 381 69268 2010-11 1668 120017 591 122276 2011-12 1656 166139 564 168359 2012-13  1817 213159  244   215220

Value additions in our customer service … 24 X 7 In house Customer Care Helpline to register claims To give information about Products and Network Hospitals to provide information on Claims procedure and Claim status 24 X 7 medical guidelines over phone at free of cost Health Magazine carrying articles by eminent Doctors and Health Tips sent to policy holders periodically at no cost

STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED Reinsurance We are adequately protected by RI arrangements All our RI arrangements are with GIC Re STAR HEALTH AND ALLIED INSURANCE COMPANY LIMITED PERSONAL & CARING

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