Investor Presentaiton

India continues to have one of the widest protection gaps; Health & Term Insurance is needed 65% of Healthcare spend is out of pocket % Out of pocket spends (Total healthcare spends - Insurance coverage) 94% of income is not protected Mortality protection gap (Protection required - Sum Insured) 37% 66% 62% 76% 87% 94% 65% Out of pocket expenditure China UK Brazil Thailand USA 36% 15% 44% 12% 11% Australia Japan Singapore Hong. Thailand India I Sum Assured Kong Protection Gap Note: 1. Mortality protection gap figures are as of 2015; 2. Out of pocket expense % figures are as of 2016 (Source - Swiss Re Report on Mortality Protection Gap) I I 15

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