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TWO WORLD CLASS INSURERS.A WIDE RANGE OF COMPLIANT PLANS.GET IT ALL FROM CIGNA SAICOHEALTH.

About DAMANA Saudi Arabian Insurance Company BSC (c) (DAMANA) is a multiline insurance company registered in Bahrain that provides healthcare for locals, expatriates, and their family members living in Bahrain, the United Arab Emirates, Kuwait, Oman and Qatar. It has an A– (A minus) financial strength rating from AM Best. In the GCC, DAMANA allied with Cigna to form a regional administration company. It provides local servicing of healthcare insurance that is insured by DAMANA and reinsured and internationally serviced by Cigna. Together, Cigna and DAMANA deliver superior and locally compliant benefit plans for employees and their families who live and work in the GCC. DAMANA has two sister companies. The first, located the KSA, is the Saudi Arabian Cooperative Insurance Company. The second, located in Lebanon, is Saudi Arabian Insurance Company SAL. About Cigna Cigna Corporation is a global health services company dedicated to helping people improve their health, well-being and sense of security. As a healthcare partner to over 88 million customers worldwide, their 37,000 employees exist to help people live longer, healthier and happier lives. Cigna Corporation and its subsidiaries maintain networks and offices in major markets around the globe. It has assets of $56 billion and was ranked #97 on the 2014 Fortune 500. Cigna Global Health Benefits is the dedicated international division of Cigna. With over 50 years of experience as a global health-services provider, we continually seek and find new ways to deliver quality health care to globally mobile employees. We serve people in over 192 countries and provide services to over 40% of the Fortune 100 companies.2

SECTION 1: Introduction GOSECTION 2: The Cigna DAMANA Connection GOSECTION 3: Learn About the Plan GOSECTION 4: Build Your Coverage GOSECTION 5: Manage Your Plan with Envoy GO 3

4 Introduction

An established company with deeproots throughout the GCC.The world’s leading provider of benefitsto globally mobile professionals.By combining resources, we’ve created locally compliant,flexible plans for the GCC that you can tailor to yourspecific needs.Turn the page to begin learning: > The many advantages of choosing the plan > How to create the perfect plan for your company - a step-by-step guide > How Envoy makes managing plans easier for you and your employees 5

The Cigna DAMANA Connection Working together to give employers in the GCC the best possible health insurance options. Together, Saudi Arabian Insurance Company (DAMANA) By combining forces, DAMANA and Cigna offer and Cigna can bring you the best of both regional and a regional network with international reach to ensure international health services. With an extensive global that your health care programme is both locally network of healthcare facilities and professionals, a compliant and offers coverage that can be used strong investment in service and a genuine focus on around the world. you and your employees, our teams around the world are here to support your business success. Through this alliance, your employees will experience world-class customer service delivered locally with access to an extensive network of doctors, clinics and hospitals. Our goal is to provide your employees with easy access to quality care worldwide. Questions? Get answers quickly be sending an email to [email protected]

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Learn About The Plan Learn about our locally We’re experts at creating compliant medical plans. compliant solutions. Cigna and DAMANA have worked together in the One of the benefits of this strong relationship is the Middle East for more than 15 years. Because deep history of DAMANA in the region. And through of this, we’ve been able to create a plan that the alliance with Cigna, our combined experience now leverages our individual strengths and shared makes it even easier for us to create locally compliant experiences. It gives employers what they are plans throughout the GCC. looking for now and into the future. A strong partnership. > Full compliance with local regulatory A strong company. requirements In addition, DAMANA is also one of the most > A wholly integrated plan with a single solid and secure insurers in the GCC. DAMANA platform and one administration process received an A- Financial Strength Rating (FSR) and ICR (Issuer Credit Rating) rating of a- from A.M. > Flexible, tiered networks with more than Best in 2015. 2,800 local providers > World-class customer service > The ability to tailor your plan to your needs8 Questions? Get answers quickly be sending an email to [email protected].

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Learn About The Plan Easier for you. Easier for your employees. Direct billing, fast pre-approvals and fast claims payments. The last thing you want is a health plan that When your employees travel outside of the GCC, creates more work for you and your employees they’ll be happy to know that Cigna offers the via Cigna SAICOHEALTH, we’ve done all we can largest direct billing network in the world. And if an to make getting top-quality care easy. To do this, employee’s chosen provider isn’t in that network, we’ve built an extensive network of more than Cigna makes settling claims simple and fast. 2,800 direct billing providers in the GCC. Whether employees submit an invoice, claim form And when a pre-approval is required, your or online claim, 90% are paid within 5 business employees can count on getting it quickly. days and 95% are paid within 10 business days. Just look at these numbers: Cigna’s extensive global network consists of more > 80% of pre-approvals occur within than 1 million doctors and hospitals in over 190 30 minutes countries. So no matter where your employees go, Cigna is likely to be there for them. > 95% of pre-approvals occur within 1 hour > 100% of pre-approvals occur within 48 hours 10 Questions? Get answers quickly be sending an email to [email protected].

Got a question? We’re here foryou and your employees 24/7.For globally mobile employees, being able to getanswers when they’re needed is vitally important.Many live in countries where they don’t speak thelanguage or know the area. So when health issuesarise, it helps to know that someone will always bethere to help.Our Global Service Centers were created just foremployees like these. They’re open all the time. Inthe middle of the night. On weekends. And holidays.In short, whenever employees have a question thatneeds to be answered, someone will be there toanswer it. Our representatives speak many differentlanguages, so we are truly able to cater to the needsof globally mobile professionals.In addition, employees get access to a full teamof medical professionals just by calling. And now,you and your employees have a new way to reachus — through our user-friendly, robust mobile app. 11

Learn About The Plan Our locally compliant plans offer Where can I get the flexibility you need. Cigna SAICOHEALTH coverage for my employees? In recent years, brokers and employers have told us what they wanted to see more of in our plans. Cigna SAICOHEALTH offers plan options Flexibility, flexibility and more flexibility. With this throughout the GCC. You can cover your offering, we’ve delivered. You now have the ability globally mobile employees in: to build a plan that’s tailor-made for your company. As a matter of fact, we’ve made it so easy, you can > U nited Arab Emirates build it yourself right now. > Kingdom of Saudi Arabia > Qatar Just turn the page to get started. > Bahrain > Oman > Kuwait Questions? Get answers quickly be sending an email to [email protected]

Cigna SAICOHEALTH plan options. Your quick reference guide. Dubai Abu Dhabi KSA Other Emirate / CountryPremier X ✓ ✓✓Premier Enhanced ✓ X XXDubai Enhanced ✓ X XXWellness ✓ ✓ ✓✓Dental ✓ ✓ ✓✓Vision ✓ ✓ ✓✓ Regional Dental - $450 Dental Extra - $1,875 Dental Extra Plus - $3,750 ME Dental Extra - $750 Vision Extra - $200For complete details on what we offer in any of the above countries, 13 reach out to your contact on the enclosed business card or send an email to one of our Sales Advisors at [email protected].

Build Your Coverage STEP 1: Start by choosing STEP 2: Select the level where you want coverage of coverage. for your employees. You’ve asked us for more flexible plans. Begin customizing your plan by choosing where Our locally compliant plans deliver. you want certain employees to be covered. And For example, our comprehensive, feature- remember, different employees can get different rich Premier plan offers: plans in different places. You can cover employees: > R ich benefits throughout the entire GCC > Worldwide > Tiered access to networks - at least three different levels > W orldwide except for the USA, Canada and the Caribbean > Flexible plans with multiple options for coverage, plan limits and more > The Middle East, North Africa, the Indian Subcontinent and Southeast Asia. > O ut-of-network reimbursement options These versatile plans give you the ability to offer globally mobile employees coverage no matter where they go. And if other employees live and work locally, they’ll have the same top-quality coverage - just in a more specific area. Choose to cover employees by job duty, nationality, country of residence, location and more.14

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16 Build Your Coverage

STEP 3: Add optional STEP 4: Contact your brokerwellness, vision and or Cigna SAICOHEALTH to finishdental benefits. putting your plan together.When it came to other benefits, we heard you The information provided in this brochure can goloud and clear. Three of the most important a long way in helping you build the perfect planoptions we added are an enhanced wellness for your company. To finish putting it all together,program, upgraded vision care and more reach out to your broker or a Cigna SAICOHEALTHaffordable dental plans. Sales Support Advisor. No matter who you contact, you’ll get the support and information > O ur wellness plans provide coverage you need to complete your plan. for routine physical exams, pap smears, prostate cancer screenings and If you’d like to talk to a Cigna SAICOHEALTH mammograms. expert, email one of our Sales Advisors at [email protected]. > Our vision plans cover one eye exam per year and pay up to $200 for lenses, Once you’re a customer, a Client Manager will frames and prescription sunglasses. be assigned to help you with any issue regarding your health plan. He or she will answer your > When it comes to dental, you’ve got more questions, look for additional ways to manage choice than ever. Some of our plans offer your costs and much more. four levels of coverage. 17

Manage your plan with Envoy Making benefits management …and your employees. easier for you… Envoy doesn’t just work hard for you. It works hard Once you’re set up as a Cigna SAICOHEALTH for your employees, providing them with answers, customer, you’ll continue to get ongoing support information and everything they need to make from your Cigna SAICOHEALTH Client Manager. managing their benefits easier. With it, they’ll be But once you try Envoy, you’ll likely find able to: managing your plan as simple as a few clicks here and there. > Submit and track claims Designed to be both robust and intuitive, > View their plan design details Envoy helps you oversee: > Search the international provider directory > Your members > Download country guides > Documents and reports > A ccess health and wellness tools that > Member services help them translate drug and medical terms, provide online second opinions Plus, Envoy is accessible anywhere, any time and and much more. from any device. Go online or use the new Envoy mobile app. This state-of-the-art app offers special In short, Envoy is the perfect complement to features for people who are always on the go. For our locally compliant medical plans. It’s smart, example, your employees can submit their claims flexible and helps keep both you and your with just one click in the app. employees focused on what needs to get done - not worrying about medical plans. Learn more about18 Envoy today. Click video to get started.

Why choose They’re flexible. They’re compliant. And theyCigna SAICOHEALTH? provide world-class coverage. Reach out to your broker or your Cigna SAICOHEALTHAt Cigna SAICOHEALTH, our mission is to help the people we serve, Sales Support Managers with questions oryou and your employees, improve their health, well-being and sense to finish creating your perfect plan today.of security. To each and every one of our customers, we promise easy To start - or finish - building your plan,access to quality healthcare around the world. How do we send an email to [email protected] on that promise? By adhering to these principles. Email [email protected] > W e are experts in helping you choose and design locally compliant solutions > We provide cost-effective yet comprehensive coverage across the globe > W e make things easy - with exceptional client and customer service > W e give customers guaranteed access to an unrivaled global network of quality healthcare professionals > We provide local expertise from Dubai to Denmark to Dallas - and everywhere else we serve our customers. > M ost importantly, we provide improved health, well being and human performance

We hope this brochure has been helpful. Now, take the next step. • Design your own plan now. GO • Get a recap of the brochure. GO • Contact the Cigna sales team. GO Saudi Arabian Insurance Company B.S.C (c) CR 10316 License LII/003 Paid up capital is BHD 20,000,000This material is provided for informational purposes only and is subject to change. Products and services may not be available in all jurisdictions and are expressly excluded where prohibited byapplicable law. Cigna Global Health Benefits’ web-based tools, such as Cigna Envoy®, are available for informational purposes only. All rights reserved. © Saudi Arabian Insurance Company.