The most dynamic Product Building, Rating engine and Sales distribution tool available

1. Assistance and Claims handling with incorporated Providers Network - all workflow management controlled The most dynamic Product Building, Rating engine and Sales distribution tool available

2. Founded in 1996 • Headquartered in Copenhagen, Denmark • Extensive operational knowledge within the Travel, • Expatriate and Health Insurance lines of business • Integrated flexible and user friendly applications • Unique modular approach allowing future expansion • and enhancements • Full B2B, B2C and B2E integration with web entry • Built on standard Microsoft.NET technology • NIS solutions are live in over 25 countries Nordic Insurance Software - Background

3. Countries with live NIS solutions

4. NIS - Unique in the Market ! End-to-end Travel, Expatriate & International Health Insurance Solutions Simple approach to custom-build and maintain products Agent / Web shop can be set up in a matter of minutes Policy conditions may be modified and updated at will Premium can be changed and version-controlled on the fly Policies integrated with assistance and claims administration Full assistance case management including supplier network administration Comprehensive claims handling and cost containment Workflow driven SLA based on client/product/cover type/place of incident – your built-in manual Integrated system with on-line, real-time control providing status of sales, reserves, claims and recoveries

5. Product Builder: - Build and maintain products - Select distribution channels desired and launch product live Sales solutions: - Call centre solution - B2B – for Brokers and Agents - B2C – your own brands or white labelled - Web services – easy integration to external sales systems Assistance management: - Workflow management drives appropriate SLA - Providers Network fully integrated Claims handling: - Automated, semi automated and manual claims handling - Repricing and supplier / client settlement - All information stored on the relevant case MIS: - KPI´s for company, branch, team or even individual employee - Drill down reporting for trend spotting and financial analysis - Standard report generators utilized allowing for individual ad-hoc reporting - XML full dimension output for OLAP Dataware house solutions The NIS End-to-End Solution

6. ”Build your products in a matter of minutes, the NIS system creates both your B2B, B2C and B2E presentations automatically – no other product is this dynamic!” The Product Building Concept

7. The standard NIS Agent / Broker website can be set-up within 24 hours complete with product availability, commission handling and automated billing Call Centre Solution

8. Travel Agents Tour operators Portals Closed User Groups Brokers Integration Examples - Sales

9. The standard NIS direct to consumer website can be set-up in 24 hours to put all of your products automatically and immediately on the net B2C – Consumer Website

10. Insureds Corporate Clients Insurers Suppliers NIS - Portal Framework Examples • View, extend or cancel policy • Maintain basic personal data • Process outstanding • payments • Access and direction to the • preferred Provider Network • Driving directions to the • nearest in-network facility • Receive automated • benefit approvals • Commence a claim • Upload bills • Monitor claim status • Access administration of all • branch/employee policies • Add new or delete • terminated employees • Update employee data • Settle outstanding balances • Ability to upload policies • Automatic notification of • Large Loss Cases • Receive reimbursement • notifications on outstanding • settlements • Receive invoices for case • settlement and fees • Up-to-date information on • statistics by scheme, current • case data • Access in accordance • with privacy provisions to • verify policy information • Seek payment, request • confirmation of coverage • Upload medical reports • and invoices, • Update details and • services in the Provider • network database, • Maintain basic data

11. NIS - Portal Framework End Client Example

12. Client Services on the go Deliver automatic self-service access, Call assistance, find a provider, call/email provider and get directions turn by turn and graphical presentation, and much more...! NIS - Mobile Framework

13. Client Services on the go Show policy certificate and cover, get travel warnings for specific country or region and much more...! NIS - Mobile Framework continued...

14. All case information stored directly • on the relevant case • Incoming / out going emails • Letters and faxes • Internal / external notes • Telephone audio files • Scanjobs • Policy cover information • Reserves • Recoveries • Medical information • Contact information • Beneficiary information Assistance & Claims with integrated Network

15. Geomapping of providers • Ability to show providers and key • suppliers with individual ratings • Financial data for cost and • savings can be maintained • Notes on providers and previous • case references can be included • Local level mapping abililty to • provide insureds with turn-by-turn • directions to provider Incident Location and Provider Search

16. Calculate fee charges individually by client / profit centre – chose from fee by case opened, by case closed, by time used, by number of payments, by number of actions, letters, medical notes. You can set the combination – the system calculates the fee ! Assistance and Claims Fee Management

17. Claim Assesment Automated Flow

18. The Bill Manager is one of the bill entry points in the NIS Solution Claim Handling – Bill Manager

19. The NIS solution utilizes the most up-to-date and comprehensive Business Intelligence (BI) module on the market enabling you to control and cross reference all your data, exactly the way you want and the way your client needs. Business Intelligence – MIS & Reporting

20. The NIS solution includes Data Widgets which can be applied in the Sales, Assistance and Claims modules. Ability to set Key Performance Indicators for the individual user, team, department or company Business Intelligence – Data Widgets

21. NIS Customer Individual Configuration You can implement your SLA-specific work flows, our user-friendly graphical interface makes it easy to test them Implement new workflows change existing ones to test optimum efficiency and effectiveness Example of business rule application for program profitability check prior to renewal Internal logic set up to determine whether the policy is up for automatic renewal or needs to be queued for manual intervention

22. Back-office Integration

23. NIS Context Sensitive Help A comprehensive ”Help” manual is available at your fingertips It is is built-in and context-sensitive

24. Available as Context Sensitive Help from within the application NIS Standard Documentation and available from the NIS Customer Universe at www.clientnet.nisportal.com

25. Director Club Insurance, Carlos Coutinho, CAA Canada:“We scanned the global market for a suitable solution supporting our travel and medical sales as well as future related products. We found the standard package from Nordic Insurance Software to be the most comprehensive, innovative and cost effective solution available – and we have not been disappointed” Customer statements Director of Development, Neil Heasman, Cega Group Services UK: “One of the greatest benefits is that NIS understands our business down to the detail. By implementing the NIS standard solution we have streamlined our business and our services to reflect what Cega Group Services stand for – exclusive and non-rivaled assistance and claims services on behalf of our insurance clients”

26. Steve McClung, Director of Information Systems, Global Excel: “We have achieved significant increases in our processing times. Our process time has decreased by nearly 35% over the past two years and that, with slightly decreased number of staff per claim processed. The team from NIS have helped us achieve some significant improvements to our claims processing, thanks in part to their professionalism, knowledge and experience” Customer statements Jesper Kjeldsgaard, Managing Director, Gouda Travel Insurance: ”With innovation and IT from Nordic Insurance Software, we have become the most efficient travel insurance company in the Nordic countries”

27. Some of our Clients...

28. NIS – The Software Solution for your Organization !