1. Webinar Presentation Friday May 6 th 2016 An introduction to the BIBA Medical Travel Insurance Scheme Garry Nelson, Head of Marketing, AllClear

3. The insurance specialist for customers with pre-existing medical conditions. Our mission is to help anyone with pre-existing medical conditions to get the insurance they want and need. We’re single-mindedly passionate about offering value to customers of any age, with any condition. Our heritage in travel insurance means that we help customers travel anywhere in the world.

4. Based in Romford, Essex. Founded in 2000 now employing over 120 people. Provider of BIBA Medical Travel Insurance Service since April 2011. Only two underwriters in 16 years, with current providers Mapfre recently committing to a 5 year renewal deal. An approved signposted provider for BIBA’s Find a Broker Scheme.

5. Who we cover Any medical condition - 1300 different medical conditions covered since 2000. Any Age – No Age limits on single trip and annual multi-trip policies. Anywhere – We don’t exclude any destination (unless FCO advises against travel.) Individuals, couples, families and groups of up to 10. People taking cruises – we recently launched a dedicated cruise portal offering AllClear Gold and Platinum products.

6. Mr H (Cheshire): Blocked arteries, ischaemic heart disease, coronary angioplasty, angina, cholesterol, arrythmia, pleural plaques Mrs H: Acid reflux Case studies Mr N (Yorkshire): Prostate cancer, TIA Mrs N Coronary artery stent, angioplasty HBP and cholesterol Mrs W (Newtownabbey, N. Ireland): Breast cancer Mr W Triple heart bypass, TIA, arrhythmia, dementia, HBP & cholesterol Annual WW inc. N. America Premium - £1,932 Cruise Annual WW inc. N. America Premium - £1,632 Annual WW inc. N. America Premium - £1,606

7. Our growing market! The demographics of our target market show that there is a direct correlation between medical conditions and age. The UK travel market is estimated to generate in excess of 60M overseas trips per annum* generating circa £745M GWP. The UK population is growing older with statistics showing that by 2025 over 60s will account for 27%* of the population (18.5 Million). In the UK there are over 17m people living with some form of medical condition. 30% of policies bought are in the medical/age market. There are over 11M people currently over the retirement age which will grow to 14M by 2025. 2/3rds of net disposable income in the UK is held by the over 50s. *ONS 2014

8. Why BIBA use us? They need to give their members access to a product solution for every query they might get. They need a broker solution using a trusted partner that is easily accessible and relatively simple to use. They need to provide commercial opportunities for their members.

9. We built the back-end system that powers the: BIBA Medical Travel Scheme Dedicated website for BIBA brokers – accessed via www.allclearbiba.co.uk What we do for BIBA Brokers

10. Register on allclearbiba.co.uk! Video link: http://bit.ly/1Nau0zIhttp://bit.ly/1Nau0zI

11. How much can you earn? BIBA brokers earn 22.5% commission less IPT. In the period Apr 15 to Jan 16 – 1345 policies were sold (increase of 25%). BIBA brokers received over £100k in commission Apr 15 to Jan 16. Average commission per policy was £77.

12. BIBA Conference 2016. Come and say “Hi”. Stand G3.

13. Any questions?