Digital Transformation and Health & Wellness Journey

Stuart Spencer - Group Chief Marketing Officer At AIA, we are committed to leading the industry in innovating and providing Compelling Propositions that we believe are fundamentally difficult to replicate and reinforce our competitive advantages. Our investments in TDA, particularly in our health and wellness ecosystem, enable us to provide integrated and personalised journeys for our customers that really do deliver better health outcomes. At the core of our ecosystem is AIA Vitality, our comprehensive wellness programme that is integrated into our insurance propositions. Let me explain why. We believe a healthier Asia is the most important and valuable impact we can have on our communities today and in the future. Our Purpose is now more relevant and resonant than ever. Over the last three decades, Asia has become rapidly wealthier but not healthier. Lifestyle-related diseases are prevalent, accounting for more than 70 per cent of all deaths. Modifiable factors such as physical inactivity, poor nutrition, smoking and excess alcohol have continued to fuel the rise of non-communicable diseases. These include cancer, diabetes, respiratory and heart disease, as well as mental disorders and conditions. Mounting evidence now demonstrates the link between poor health and the environment. Air pollution is second only to tobacco smoking in causing global NCDs. As the largest life, health and wellness provider in the region, serving the needs of millions of customers, we recognise that it is critically important for AIA to play an active role in reversing these concerning trends and to lead the industry by being at the forefront of change. AIA Vitality exemplifies our Purpose to help people live Healthier, Longer, Better Lives. It is a comprehensive wellness programme that incorporates lifestyle rewards to drive positive behavioural change and puts members in control of improving their long-term health. Through AIA Vitality, we have fully-embraced and adopted a shared value model, where we operate in a way that delivers economic value for shareholders while also creating value for society, tying our financial success to community success. Fundamental to this is our belief that when we provide our customers with financial products and healthcare services that integrate rewards and incentives, we can successfully enable behavioural change and motivate our customers to realise better personal health outcomes, and thus healthier lives. This is a win for AIA, a win for the customer and of course a win for society. AIA was the first in Asia to launch this scientifically-proven wellness programme, and we were the first to recognise that proactive health management offers people a more sustainable lifestyle. AIA Vitality engages with members digitally and encourages them to take responsibility for their own wellness. It tracks activity and health data and is tailored to a customer's specific needs. Using human-centred design, it has a sophisticated, easy-to-use navigation system delivered through smart devices, allowing customers to earn points across multiple wellness dimensions. Physical activity, nutrition, mental health and sleep are core programme components with members striving to continually "level-up" to access greater lifestyle rewards across four status tiers - Bronze, Silver, Gold and Platinum, adding challenging gamification for members. The beauty of AIA Vitality is its simplicity: Know Your Health, Improve Your Health, Get Rewarded, and lead a more rewarding life. To understand more about how customers experience AIA Vitality, let's meet Ava. Page | 11

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