Clover Health Investor Conference Presentation Deck

The software-defined physician drives healthcare efficiency Incurred MCR improvements versus Non-CA PCPs 13% Year 1 17% Year 2 20% Year 3 Based on data from the first nine months of 2021. Incurred MCR is a non-GAAP financial measure that excludes prior period development from GAAP MCR. A reconciliation of Incurred MCR (Non-GAAP) to GAAP MCR is provided on the last slide of this presentation.

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