1

2

1. Underwriting New Business

Incomplete ratio

CFS return

NEW BUSINESS NEW BUSINESS 22ndnd Working Month Working Month

  Total HCMC Ha Noi Da Nang Can ThoDong Nai

Hai Phong

Issued 729 94 262 50 76 170 77

Declined 10 6 0 1 0 0 3

Postponed 7 1 2 0 1 3 0

Canceled 0 0 0 0 0 0 0

Pending 23 2 8 5 2 3 3

Total received 769 103 272 56 79 176 83

Canceled in freelook 9 0 4 0 0 4 1

Items

3

UW Index 9th-2011 10th-2011 11th-2011 12th - 2011 13th-2011 01th-2012 02nd-2012

Due to non UW non UW non UW non UW non UW non UW non UWHCM1 0.9% 1.0% 1.3% 3.7% 4.0% 3.3% 6.5%

HCM2 0.0% 5.4% 0.0% 0.0% 0.0% 0.0% 0.0%HCM6 NA 0.0% 8.3% 4.3% 0.0% 0.0% 4.5%HCM 0.5% 2.1% 1.8% 3.1% 2.9% 2.5% 5.8%HAN1 1.9% 11.5% 0.0% 5.3% 5.6% 8.3% 4.8%HAN2 4.0% 4.6% 0.0% 9.5% 20.0% 0.0% 7.1%HAN3 2.5% 5.5% 3.3% 3.3% 6.9% 7.6% 6.3%HAN4 1.6% 4.8% 6.6% 12.1% 4.1% 0.0% 0.0%HANOI 2.8% 5.5% 3.3% 5.0% 6.5% 5.5% 5.5%DANANG 7.5% 3.2% 6.5% 7.5% 7.1% 16.7% 8.9%Cantho1     4.8% 3.4% 0.0% 0.0% 4.5%Cantho2     3.1% 4.8% 2.4% 16.7% 5.7%Cantho3           10.3% 5.0%CANTHO 3.1% 2.3% 3.6% 4.5% 3.6% 4.4% 3.8%Dong Nai 1.7% 2.5% 1.4% 0.0% 0.9% 0.0% 1.7%HAP1 2.1% 10.9% 10.1% 0.8% 3.6% 6.8% 3.5%HAP2 4.2% 9.6% 17.8% 8.9% 13.0% 4.4% 7.7%HAI PHONG 2.8% 10.5% 12.1% 3.3% 5.4% 6.0% 4.8%

Grand total 2.6% 4.8% 4.6% 3.1% 3.9% 4.3% 4.7%

Incomplete ratio

4

INCOMPLETE RATIO chart

5

6

Confirmation slip (CFS) Confirmation slip (CFS) returnreturn

CFS Within 14 days

UW Index 9th 2011 10th 2011 11th 2011 12th 2011 13th 2011 01th 2012 02th 2012HCM1 98.1% 92.5% 95.9% 100.0% 94.6% 100.0% 98.6%HCM2 90.4% 74.2% 100.0% 100.0% 100.0% 100% 75.0%HCM6 0.0% 67% 91.7% 100.0% 100.0% 100% 84.2%HCM 94.9% 87.4% 96.2% 100.0% 96.1% 100.0% 94.6%HAN1 100.0% 100.0% 90.9% 88.9% 100.0% 91.7% 97.6%HAN2 99.5% 95.4% 98.3% 98.6% 100.0% 66.7% 100.0%HAN3 96.7% 95.1% 96.8% 97.0% 94.8% 96.1% 96.6%HAN4 93.8% 98.4% 98.1% 85.2% 98.6% 100.0% 100.0%HANOI 97.3% 95.7% 96.7% 95.0% 95.9% 95.2% 97.3%DANANG 100.0% 100.0% 100.0% 100.0% 98.7% 100.0% 98.1%CAN1   95.3% 97.7% 85.2% 84.2% 89.5% 72.7%CAN2   89.8% 97.4% 96.0% 95.1% 95.2% 100.0%CAN3         82.9% 96.3% 94.7%CANTHO 90.4% 92.0% 97.5% 93.8% 90.7% 94.3% 90.9%DONG NAI 92.7% 96.5% 96.9% 93.7% 94.2% 96.6% 95.3%HAP1 96.1% 97.3% 99.0% 98.3% 98.4% 97.6% 98.1%HAP2 0.966292135 100.0% 98.6% 100.0% 100.0% 100% 95.7%HAI PHONG 96.3% 98.2% 98.9% 89.9% 98.7% 98.4% 97.4%

CFS within 14 days 95.5% 95.4% 97.4% 95.5% 95.4% 96.7% 95.9%

7

Confirmation slip (CFS) Confirmation slip (CFS) returnreturn

8

2. Premium collectionTIA Checking

Post collected

Reinstatement efficiencies

91.1%

97.3%97.1%94.6%

97.8%96.8%96.1%96.8%95.6%94.9%

89.5%

94.3%94.0%95.9%

94.7%95.6%

84.0%86.0%88.0%90.0%92.0%94.0%96.0%98.0%

100.0%

1st 2nd 3rd 4th 5th 6th 7th 8th 9th 10th 11th 12th 13th 1st 2nd -2012

3rd

TIA checking ratio

Target 96.5%

Main reason: Main reason: Lost

TIA checking ratioTIA checking ratio

9

Unit 2nd wkm

The 3rd wkmCompare last

monthChecked cases Uncheck cases ratio

HCM 1 96.5% 205 12 94.1% -2.3%

HCM 2 91.8% 38 0 100.0% 8.2%

HCM 3 95.1% 52 0 100.0% 4.9%

GA Btre 95.7% 44 3 93.2% -2.5%

HCM subtotal 95.5% 339 15 95.6% 0.1%

HN 1 100.0% 21 0 100.0% 0.0%

HN 2 100.0% 4 0 100.0% 0.0%

HN 3 87.1% 172 15 91.3% 4.2%

HN 4 94.6% 118 0 100.0% 5.4%

HN subtotal 89.8% 315 15 95.2% 5.4%

DN subtotal 99.2% 112 5 95.5% -3.7%

CAN 1 100.0% 72 5 93.1% -6.9%

CAN 2 90.3% 192 3 98.4% 8.2%

CT subtotal 93.9% 264 8 97.0% 3.1%

DNA subtotal 97.4% 370 24 93.5% -3.9%

HP 1 92.5% 82 0 100.0% 7.5%

HP 2 100.0% 53 0 100.0% 0.0%

HP subtotal 95.5% 135 0 100.0% 4.5%

Company 94.7% 1535 67 95.6% 0.9%

The main reason is DNA have total 16 losing receipt

and 8 cases delay

TIA checking TIA checking detaildetail

10

Div Manager

Dec-11 Jan-12 Feb-12

Post Office Post Office Post Office

Collected case

% by receivabl

e case

% by collected

case

Collected case

% by receivabl

e case

% by collected

case

Collected case

% by receivabl

e case

% by collected case

HCM TSAI CHIH HUA 26 1.8% 4.7% 24 1.8% 4.9% 34 2.6% 5.3%

HN HUANG WEN JEN 29 1.4% 5.6% 25 1.3% 7.4% 27 1.4% 5.4%

DN CHANG SHANG WEN 13 4.0% 14.6% 13 3.8% 13.3% 24 7.3%21.1

%

CT KUO HSIEN CHUNG 11 1.6% 5.4% 3 0.5% 2.0% 6 1.1% 3.4%

DNA KUO HSIN YU 6 1.3% 5.9% 13 2.9% 13.8% 12 2.8%11.8

%

HP CHEN PING KUN 36 11.3% 54.5% 4 1.2% 11.8% 11 3.2%16.9

%

COMPANY 121 2.3% 7.9% 82 1.7% 6.8% 114 2.3% 7.2%

Post office collected in Post office collected in Feb 2012Feb 2012

11

VN post campaign

12

Div Manager

Jan-12 Feb-12

FEB reinstated success

case Case PremApply Reject Pending Success

case Prem Case Case Case Case Prem %

Ho Chi Minh Total

TSAI CHIH HUA

-

-

1,611

4,964,544

7

-

1 6

15,062 0.3%

Ha Noi TotalHUANG WEN

JEN

5

28,619

3,036

8,839,718

18

-

5 13

43,030 0.5%

Da Nang TotalCHANG SHANG

WEN

-

- 571

1,841,342

1

-

- 1

4,181 0.2%

Can Tho TotalWU TENG

CHIEH

-

- 675

1,876,065

2

-

- 2

12,391 0.7%

GA Ben Tre TotalNguyễn Hồng

Liêm　 　

119 286,566

-

-

- -

- 0.0%

Dong Nai TotalKUO HSIN YU

4

19,199

405

1,447,860

2

-

- 2

7,654 0.5%

Hai Phong TotalCHEN PING

KUN

-

- 125

556,597

6

-

1

5

17,275 3.1%

COMPANY

9

47,818

6,548

19,821,247

36

-

7 29

99,593 0.5%

20 20 casescases

Reinstatement Reinstatement efficienciesefficiencies

13

14

3. Claim, POS & Call centerNot-taken ratio

Confirmation call

Claim figure

Not-taken ratio

unit 11th 12th 13th 1st -2012 HCM 3.1% 7.4% 1.3% 0.0%HN1 0.0% 10.9% 15.7% 0.0%HN2 11.7% 25.5% 45.7% 0.0%HN3 6.3% 6.3% 4.3% 0.0%HN4 0.0% 4.5% 0.0% 4.7%HN 6.1% 7.4% 4.7% 1.0%DN 0.7% 4.1% 2.2% 4.8% CT 6.1% 5.3% 1.3% 6.3%Dong Nai 4.9% 5.5% 2.4% 1.5%HAP 3.5% 2.1% 3.3% 6.9%GA BenTre   0.0% 0.0% 0.0%Not taken ratio (wkm) 4.9% 5.7% 2.8% 3.1%

15

Unit

2011 2012

Nov Dec Jan Feb

HCM Total 100% 100% 100% 100%

HAN1 100% 100% 100% 100%

HAN2 100% 90.9% 100% 100%

HAN3 98.4% 96% 100% 100%

Ha Noi Total 98.7% 95.7% 100% 100%

Da Nang Total 100% 100% 91.4% 96.9%

Can Tho Total 100% 100% 100% 100%

Dong Nai Total 100% 85.2% 100% 100%

Hai Phong Total   87.5% 100% 100%

Call Out 99.4% 95% 99.1% 99.7% 16

Confirmation Confirmation callcall

YearNăm

TypeLoại

Accept caseChấp nhận

2009(01 ~ 12/2009)

Death & Permanent Disability 5

Hospitality 7

2010(01 ~ 12/2010)

Death & Permanent Disability 13

Hospitality 38

2011(01 ~ 12/2011)

Death & Permanent Disability 16

Hospitality 142

2012 1 ~ 3/2012

Death & Permanent Disability 3Hospitality 61

Company total   28517

Claim Figure 2012 Claim Figure 2012 (YTD)(YTD)

18

Claim Figure 2012 Claim Figure 2012 (YTD)(YTD)

•Based on policies (from 1/1/2012 – 20/3/2012)•Included main products and riders

19

Claim Figure 2012 Claim Figure 2012 (YTD)(YTD)

The North 31 48.4%

Central 7 10.9%

South 26 40.6%

20

INSURANCE FRAUD?

Policy_number Disease LOS Effective date Event_date A05 C09 C10 R01 R04

S110003418xx Bong gân và giãn khớp của khớp vai 1429/06/201

12011-09-01 3000

S110003437xx Viêm niệu đạo 14 5/7/20112011-10-18 3000

S110003453xx Viêm khớp 14 7/7/20112011-10-03 120000 3000

S110003457xx Viêm phế quản cấp 14 8/7/20112011-09-12 80000 3000

S110003559xx Viêm phế quản cấp 14 12/7/20112011-09-28 100000 3000

S110003574xx viêm của xương hàm 1421/07/201

12011-11-24 130000 3000

S110003720xx Viêm amyđan cấp 7 10/8/20112011-10-21 120000 3000

S110003791xx Viêm kết giác mạc 1426/08/201

12011-12-23 120000 3000

S110003882xx Viêm phế quản cấp 14 7/9/20112011-11-28 130000 3000

S110004029xx Viêm khớp cùng chậu 1422/09/201

12011-10-31 80000 1000 3000

S110003574xx Viêm mỏm xương trong của khuỷu 1421/07/201

110/12/2011 130000 3000

S110004282xx Viêm phế quản cấp 1415/11/201

101/02/2012 3000

S110004415xx Tiêu chảy chức năng 14 9/12/201102/02/2012 170000 3000

21

INSURANCE FRAUD?

Policy_number Disease LOSEffective date Hospital name Event_date C09 C10 R04

S110003160xxViêm dạ dày cấp 14

5/7/2011Bệnh Viện GTVT Yên Bái 2011-12-26 82000 3000

S110003350xx Viêm khớp 1415/06/201

1Bệnh Viện GTVT Yên Bái 2011-11-11 80000 3000

S110003360xx Bỏng cấp hai 1415/06/201

1Bệnh Viện GTVT Yên Bái 2011-10-11 89000 3000

S110003581xxViêm phế quản cấp 7

26/07/2011

Bệnh Viện Đa Khoa Tư Nhân Hùng Vương 2011-11-15 63000 2000

S110003599xx Viêm đại tràng 1412/7/2011

Bệnh Viện GTVT Yên Bái 2011-10-28 55000 1000

S110003660xxRối loạn tiền đình 18

9/8/2011Bệnh Viện Tuyên Quang 2011-11-09 45000 1000

S110003883xx Sái khớp gối 147/9/2011

Bệnh Viện GTVT Yên Bái 2011-11-15 135000 3000

S110003956xx Viêm họng cấp 146/9/2011

Bệnh Viện GTVT Yên Bái 2011-10-06 45000 1000

S110004082xxViêm kết giác mạc 14

5/10/2011Bệnh Viện GTVT Yên Bái 2012-01-03 60000 2000

S110004383xxSai khớp cổ chân 14

30/11/2011Bệnh Viện GTVT Yên Bái 2011-12-02 152000 3000

22

Other activitiesOther activities

Test R06

Set up new regulation for reinstatement

Revised the wording of some underwriting letters (declination letter, special condition letter)

Follow up VIP Customer plan

23

Next month plan

POS, Call CenterPOS, Call Center*Set up POS online forms in system*Change occupation class on POS

UW/ClaimUW/Claim•Prepare for launching Universal Life in April•Enhanced Underwriting System

PremiumPremium *Set up premium director Q2 fund* VNPT promotion ( Cathay pillow gifts)

24

Thank you