Peace of mindWherever you

go

WorldWide Medical

Our history

Mission and Vision

Our mission is to guarantee our clients access to the best worldwide medical care, and provide prompt, friendly and timely service to our policyholders through a wide variety of products and the strong support of our staff.

MISSION

Our vision is to become the leading international health insurance and life insurance company of in Latin America, through our extensive knowledge of the business and the strategic alliances developed to maintain the steady growth of our pipeline and the loyalty of our customers and suppliers.

VISION

Our History

1999

2001

2004

2006

Born WWMA in partnership between Zanoni Selig and BHD Financial Center.

WWMA becomes the largest International Health Insurance Company in the Dominican Republic.

WWMA is established in Panama as a center of regional expansion in Latin America. Presence in 3 countries

Opening of WWS to offer international medical insurance for groups in Dominican Republic.

2007

2008

2012

2011

Development and launch of term life products reinsured by Swiss Re.

Zanoni Selig acquires all shares of WWMA from BHD and held the distribution agreement for its products with the institution.

Incorporation of Deutsche Investition und Entwicklungs - Gessellschaft (DEG) as international partner

Start of the Alliance of reinsurance for 5 years with MunichRe by proportional contract

Association with El Roble Group Insurance Company in Guatemala.

2009

Deutsche Investitions- und Entwicklungsgesellschaft (DEG) “…DEG promotes investment only in reasonable projects from the point of view of business and development…”

“…DEG invests in companies that share its commitment to sustainable development…”

“…DEG strives to strengthen corporate governance practices…”

Assets 4,368

Liabilities 1,700

Profit 220

New Business 1,223

New business LATAM 348

Created jobs (thousands) 335

DEG figures 2011 – Million of Euros

New commitments

1962 Founded in Köln (Cologne), Germany 1965 First project in Latin America

2005 First project on insurance

2010 First project on health insurance

2011 First investment as shareholder at insurance company with WorldWide Medical

•Rating AAA/Aaa •Investments in 526 companies in over 80 countries•Partner of Worldwide Medical

Source: www.deginvest.com

2006 2007 2008 2009 2010 2011

930

1,206 1,225

1,015

1,226 1,223

Our Reinsurers

Reinsurers Ranking*

• Rating A1 (Moody’s), AA- (S&P), A+ (AM Best)

• Founded en 1863, in Zürich, Switzerland• Is the second largest reinsurance company

and leader in life• Reassures WMA since 2005• Provides coverage for the entire region

*Source: Federal Reserve New York - Moody's

22.1

14.412.9Lloyd’s

15.1

8.87.2

5.74.8

4.24.14.13.83.33.12.62.52.42.32.2

Allianz S.E.

SCORE

China Re

Gral Ins.India

Korean Re

RGA Re

49.6

London Re

Everest Re

Berkshire Re

SwissReHannover Re

PartnerRe

TRC

MunichRe

AEGONGenerali

MAPFRE

QBE

XL Capital

Primas (Bln USD)

• Rating AA- (Fitch), Aa3 (Moody’s), AA- (S&P), A+ (AM Best)

• Founded in 1880, in Munich, Germany• It is the largest reinsurance company and

leader in health• Reassures WMA since 2005• Provides coverage for the entire region

|Panamanian Insurance Supertintendent Health

And Accident Insurance Rankings by Premium

Totales acumulados al mes de Diciembre 2012

NO C O M P A Ñ Í ASALUD Y ACC. PERSONALES

1 Pan American de Panamá, S.A. B/. 44,961,479.89

2 Compañía Internacional de Seguros, S.A. B/. 35,965,721.43

3 ASSA Compañía de Seguros, S.A. B/. 28,500,131.82

4 Mapfre Panamá, S.A. B/. 27,786,100.43

5 Worldwide Medical Assurance, Ltd. Corp. B/. 26,193,589.09 6 Aseguradora Ancón, S.A. B/. 11,616,289.23

7 Assicurazioni Generali, S.p.A. B/. 11,299,051.73

8 Sagicor Panamá B/. 2,840,168.05

9 HSBC Seguros, S.A. B/. 2,374,371.59

10 Medisalud, S.A. B/. 2,215,460.76

11 Chartis National Union B/. 1,467,442.50

12 Seguros FEDPA, S.A. B/. 1,099,268.18

13 Banesco Seguros, S.A. B/. 521,310.86

14 Seguros Suramericana, S.A. B/. 508,637.38

15 Acerta Compañía de Seguros, S.A. B/. 342,823.77

16 Ace Seguros, S.A. B/. 240,740.12

17 Del Istmo Assurance Corp. B/. 215,604.57

18 Óptima Compañía de Seguros, S.A. B/. 177,136.50

19 Aliado Seguros, S.A. B/. 34,291.29

20 Eastern Pacific Ins. Co. B/. 19,817.18

21 Empresa General de Seguros, S.A. B/. 18,695.18

22 Panamerican Life Ins. Co. B/. 110.90

23 Aseguradora Global, S.A. B/. -

24 Multibank Seguros, S.A. B/. -

25 Nacional de Seguros de Panamá y Centroamérica, S.A. B/. (639,052.57)

T O T A L B/. 197,759,189.88

+ 8,000 MEDICAL

CENTERS

200 COUNTRIES

24/7 GLOBAL CATEGORY

91% SATISFACTION

90% PERSISTENCE

SUPPORTED BY OUR VALUES:

HONESTITY

EMPATHY

LOYALTY

EXCELENCE

Our excellence in service

Our Work System

Onshore sales of products throughout Latin America thanks to the flexibility provided by our operating infrastructure of direct insurance and reinsurance of local companies thus allowing:

• Record production and investments in the region.

• Create a positive impact on local employment.

• Ensuring better coverage backed by Munich Re.

OTHER PROVIDERS, OFFSHORE SALES

LEGAL FRAMEWORKOF WWM

WorldWide Medical

Strategic Alliance

Hospital Chiriqui, is a private institution that was founded in 1988 and has been offering superior healthcare services in the province of Chiriqui ever since. Today the hospital is prepared in this new century to redouble its efforts with the aim to continue offering these services with a core philosophy designed to satisfy increaasingly demanding healthcare in the area.

Today, Hospital Chiriqui hosts many professionals of various areas of health and provides medical care in 40 different specialties. The hospital includes state of the are operating rooms, intensive care unit, neonatalogy, labor and delivery and 24 hour emergency room services.

Chiriqui Hospital

WorldWide Medical

Chiriqui Plan Local Coverage

• Individual or group plan local health

• Admission age 18 to 63 years

• Waiting period 60 daysThe waiting period is eliminated for those customers that maintain other medical insurance policy

• Effective immediately for accidents and infectious diseases

• Major Exclusions:Cosmetic surgeries, mental and nervous disorders, weight management treatments, unreported preexisting conditions

General Characteristics

Chiriqui Plan

LIFETIME BENEFIT

ANNUAL DEDUCTIBLE US$750

COVERAGE

Chiriquí Hospital

Other Hospitals

INPATIENT

Private Room

Intensive Care Unit (ICU)

Recovery Room

Laboratory tests

Prescription drugs in internment

Nursing and medical fees

Image procedures

Diagnostic procedures

US$ 500,000

100%

80%

US$ 200 per day

US$600 per day

100%

100%

100%

100%

100%

100%

Chiriqui PlanOUTPATIENT SERVICES

Inquiries to general practitioners 100%

Inquiries to medical specialists 100%

Emergencies 100%

Test pre & post surgeries 100%

Image studies 100%

Laboratories 100%

Chemotherapy 100%

Radiotherapy 100%

Vaccines (up to 7 years old) 100%

Prescription drugs US$400/80%

ADDITIONAL BENEFITS

Organ Transplant (lifetime limit)

Diálysis (per year)

Physical therapy (per year)

Maternity (per event)

Coverage of the newborn (90 days)

Congenital diseases (lifetime limit)

Medical Care at home (per year)

Hospice care(per year)

Air ambulance services

Ground ambulance services

Life coverage for the holder

US$10,000

US$1,000

100%

US$10,000

US$50,000

40 visits

US$3,500

US$10,000

US$100,000

US$10,000

US$100,000

WorldWide Medical

International Health Insurance

General Characteristics• Age of 18 to 74 years• Does not require medical examinations before age 65 and

the costs will be borne by WWMA• Two deductible maximum per family per year• 60-Day waiting period• The waiting period is eliminated for those clients who

maintain international medical expenses policy• Immediate coverage for accidents and infectious diseases• The maternity benefit is installed from the 11 month• Main Exclusions:

– Plastic surgery, mental and nervous disorders, treatments for weight control,

• Preexisting covered conditions: – If symptoms are active and/or with treatment, the

condition will have a waiting period of two years.• 100% portable policies

International Health Insurance Benefits

• 2 Million dollar per insured renewable annually until the age 100.

• Four different options of deductible from 0 to USD 5,000 per year.Country of residence Outside the country of residence

USD 0 USD 1,000

USD 1,000 USD 2,000

USD 2,000 USD 3,000

USD 5,000 USD 5,000

• International Coverage at 100% after completing the selected deductible.

• Coverage outside the Providers Network, at 70% of the first USD 25,000 and the difference at 100%.

International Health Insurance Benefits

• In Panama or country of residence, Inpatient benefits, emergencies and outpatient surgeries are covered 100% without deductible.

• Outpatient benefits are covered at 100% after completing the selected deductible in and out the country of residence.

• Diagnostic Procedures are covered at 100% after completing the selected deductible (In and outside the country of residence).

• Coverage for transplant procedures, cancer treatment, dialysis and rehabilitation services.

• Extended free coverage for dependents upon death of policyholder for 3 years.

Traveler Assistance CoverageFor insured of WorldWide Medical (Free)

Coverage of USD 10,000, for medical expenses, inpatient and medications, valid for the first 60 days of tripThe benefit re-installs when the insured returns to his country of residence

Emergency Dental Expenses up to USD 250Outpatient prescription drugs up to USD 300Hotel expenses due to convalescence USD 100 per day, up to 10 daysSanitary transfer unlimitedRepatriation after treatment – no limitAccompanying minor - unlimited transferRound trip ticket airfare for relative up to USD 1,000Hotel expenses for a relative USD 50 per day, maximum 10 daysTransmission of urgent messages – unlimitedSearch and transport of luggage and personal effects - without limitAdditional compensation for lost luggage USD 1,200Legal assistance up to $ 1,500

Peace of mindWherever you

goFor more information contact us at 507 366 8300www.worldwidegroup.co