TM Trademark owned by Desjardins Financial Security, Life Assurance Company Desjardins Insurance refers to Desjardins Financial Security Life Assurance Company. SOLO Healthcare

Wellness and healthcare markets’ trends 2 DESJARDINS INSURANCE

Factors that shape the wellness market trend 3 DESJARDINS INSURANCE Sources: Web Site: Web Site: Longer life expectancy Population aging Concerns

Wellness market’s concerns Age well Feel good everyday and live in the moment Preserve youth Maintain good health Stay in great shape 4 DESJARDINS INSURANCE Sources: Web Site: Web Site:

Wellness market The market now includes various segments like personal coaching, massages and complementary and alternative medicine The goals:  Healthcare prevention  Stress reduction 5 DESJARDINS INSURANCE Sources: Web Site: Web Site:

Wellness market 6 DESJARDINS INSURANCE The wellness industry becomes more and more a “preventive” industry! Sources: Web Site: Web Site:

Healthcare market 85% have one or more goals to improve health or fitness. 7 DESJARDINS INSURANCE Source: The 2015 Sanofi Canada Healthcare Survey

Healthcare market statistics 74% of Canadians had used at least one alternative therapy sometime in their lives 54% of Canadians reported using at least one alternative therapy in the year prior to the survey Did so to prevent future illness from occurring or to maintain health and vitality! Even though these services are not covered by our provincial health plans! 8 DESJARDINS INSURANCE Source : Complementary and Alternative Medicine in Canada: Trends in Use and Public Attitudes,

Healthcare market statistics Paramedical services used in the last year 9 DESJARDINS INSURANCE

Healthcare market statistics The average number of claims in the past year per plan member 10 DESJARDINS INSURANCE Prescription drugs9.5 Paramedical services7.3 Basic dental care3.7 Vision care2.2 Source: The 2015 Sanofi Canada Healthcare Survey

Healthcare market statistics 77% of those who took part in the 2015 Sanofi Canada Healthcare Survey said they would not move to a job that did not have health benefits! 11 DESJARDINS INSURANCE Source: The 2015 Sanofi Canada Healthcare Survey

Product description 12 DESJARDINS INSURANCE

SOLO Healthcare 13 DESJARDINS INSURANCE

Coverage choices - Health Plus (Basic plan) 14 DESJARDINS INSURANCE

Coverage choices - Health Plus (enhanced plan) DESJARDINS INSURANCE

HEALTH PLUS Plan Vision care $100/2 years and $50 for eye exam Travel insurance 1st 30 days of a trip, maximum 90 days per year, $5,000,000 The basic and enhanced plans include: 16 DESJARDINS INSURANCE

DESJARDINS FINANCIAL SECURITY | 17 HEALTH PLUS Plan BASIC EXTENDED HEALTHCARE ENHANCED EXTENDED HEALTHCARE Health professionals and alternative medical practitioners Chiropractor, massage therapist, acupuncturist $20/visit $400 combined per year Homeopathy, osteopathy, orthotherapist, naturopath, podiatrist, chiropodist $20/visit $400 per year per specialist 80% combined maximum $750 Physiotherapist $25/visit, maximum $250 per year 17 DESJARDINS INSURANCE

DESJARDINS FINANCIAL SECURITY | 18 HEALTH PLUS Plan Enhanced Extended healthcare Speech & Language Therapist, Audiologist $40/visit $400 combined per year 80% $400 combined per year Psychiatrist, psychologist, social worker, guidance counsellor licensed, family and couple therapist, social worker $80/first visit $65/subsequent visit $400 combined per year 80% $400 combined per year 18 DESJARDINS INSURANCE

HEALTH PLUS Plan Also covers… Diagnostic services (Quebec only)  Magnetic resonance imaging (MRI), computer tomography scans (CT), ultrasounds, blood tests, etc.. Hearing aids (devices) Orthosis and orthopedic shoes Diverse medical equipment such as a device for sleep apnea, crutches, prosthetics, insulin pump, etc. 19 DESJARDINS INSURANCE

Optional Coverage Modules Reimbursement of eligible prescription drug expenses up to a maximum of $3,000 per contract year per insured person.  70% on the first $4,286  Annual maximum: $3,000  Generic unless it does not exist 20 DESJARDINS INSURANCE

Optional Coverage Modules Reimbursement of eligible prescription drug expenses up to a maximum of $25,000 per contract year per insured person.  70% on the first $4,286  90% thereafter  Maximum of $25,000  Generic unless it does not exist 21 DESJARDINS INSURANCE

Preventive Services reimbursed at 80%  Exam, cleaning Basic Care reimbursed at 50%  Filling, extractions of teeth Annual combined maximum of $700 Optional Coverage Modules 22 DESJARDINS INSURANCE

Preventive Services reimbursed at 100%  Exam, cleaning Basic Care reimbursed at 60%  Filling, extractions of teeth Annual combined maximum for Preventive and Basic Care of  $750 for the 1st year  $750 for the 2nd year  $1,000 as of the 3rd year Optional Coverage Modules 23 DESJARDINS INSURANCE

Major Care reimbursed at 60%  Root canal treatment, appliance for bruxism, prosthodontics (removable or fixed), recovery, veneer, inlays and crowns Annual maximum $500 per year, as of 2 nd year. Orthodontics care reimbursed at 60%  Complete orthodontics treatment Annual maximum of $1,000 for contract duration as of 2 nd year. Optional Coverage Modules 24 DESJARDINS INSURANCE

DESJARDINS FINANCIAL SECURITY | 25 Optional Coverage Modules 25 DESJARDINS INSURANCE

Optional extras Semi-private room $150/day No maximum in number of days Semi-private or private room $200/day No maximum in number of days 26 DESJARDINS INSURANCE

Types of coverage Individual: for the principal insured Couple: for the principal insured and his spouse Family: for the principal insured, his spouse and their children Single-parent: for the principal insured and his children 27 DESJARDINS INSURANCE

Factors that influence annual premiums Like group insurance premiums, individual complementary health insurance premiums are subject to change every year. These changes are primarily due to the following factors:  Inflation: healthcare is a consumer product that is influenced by the increase in the average level of prices for goods and services.  Consumption level of health products and services: pharmacotherapy and paramedical treatments, such as massage therapy, are being increasingly used to treat a variety of health problems. 28 DESJARDINS INSURANCE

Multi-Coverage Discount With the SOLO Healthcare Multi-Coverage Discount, clients get a 5% discount! Receive a 5% Multi-Coverage Discount when combining SOLO Healthcare coverage with any other eligible insurance product for an annual premium of $400 or more. 29 DESJARDINS FINANCIAL SECURITY | 29 DESJARDINS INSURANCE

Multi-coverage discount The 5% is applied on the SOLO Healthcare premium only The other coverage must be issued on one of the insureds covered by SOLO Healthcare New business only The discount is vested after the 7th year 30 DESJARDINS FINANCIAL SECURITY | 30 DESJARDINS INSURANCE

Tax rules 31 DESJARDINS INSURANCE

Healthcare insurance tax rules Self-employed worker 32 DESJARDINS FINANCIAL SECURITY | Paid premiumBenefit Deductible Non taxable 32 DESJARDINS INSURANCE

Healthcare insurance tax rules 33 DESJARDINS FINANCIAL SECURITY | Employees Paid premiumBenefit Eligible for medical care tax credit Non taxable 33 DESJARDINS INSURANCE

DESJARDINS FINANCIAL SECURITY | 34 Tax rules A reminder and some advice… Reminder: On top of paid premiums, any portion of benefit that is not reimbursed could be eligible for the Medical Expense Tax Credit. Recommendation: Keep all receipts. For 2010, the Medical Expense Tax Credit reduces the taxes of a claimant by 15 per cent of eligible unreimbursed medical expenses in excess of the lesser of $2,024 and 3% of net income. 34 DESJARDINS FINANCIAL SECURITY | 34 DESJARDINS INSURANCE

DESJARDINS FINANCIAL SECURITY | 35 Are you covered by a group insurance plan? Are you sure all your healthcare needs are covered? Are you covered by your spouse's group insurance? Healthcare needs are satisfied Yes SOLO Healthcare No Yes No 35 DESJARDINS FINANCIAL SECURITY | 35 DESJARDINS INSURANCE

DESJARDINS FINANCIAL SECURITY | 36 You are not covered by a group insurance plan… Would you like to get the same advantages than the employees in big companies? Claim for your drugs expenses, massage therapist, eye exam? How many dependents do you have? 36 DESJARDINS FINANCIAL SECURITY | 36 DESJARDINS INSURANCE

DESJARDINS FINANCIAL SECURITY | 37 Insurance coverage that pays for itself… Self-employed workers can deduct SOLO Healthcare premiums. The part of the expenses not reimbursed by SOLO Healthcare are eligible in the calculation of the Medical Expense Tax Credit. Ken, graphic designer, independent worker, lives in Ontario with his two children 35 years old, 2 children (11 and 4 years old) Annual premium for SOLO Healthcare Health Plus (Enhanced Plan) Drugs & Dental (Basic Plan) $2,175 Annual expenses reimbursed in SOLO Healthcare Drugs Eye exam & Glasses Dental care Laboratory test (blood test) Massage Therapist (6 visits) Plantar Orthosis (for his child) $232 $150 $400 $155 $360 $200 Tax saving (assuming a marginal tax rate of %) $(678) Net Cost$1,497Total of Healthcare cost$1,497 Fees paid by John$0 37 DESJARDINS FINANCIAL SECURITY | 37 DESJARDINS INSURANCE

Solo Healthcare: Just like having your own personal group insurance policy Questions? Thank you 38 DESJARDINS FINANCIAL SECURITY | 38 DESJARDINS INSURANCE