p. 1

our mission to become the world leader in value and services upon insurance brokerage and risk management www.br.lockton.com lockton benefits © lockton inc all rights reserved images©thinkstock all rights reserved insuranceandriskmanagementspecialists

[close]

p. 2

lockton based in kansas city is the world s largest privately held insurance broker and in brazil provides its international market expertise through lockton benefits recognized by their unique service capabilities and continuous pursuance of excellence and innovation on their services lockton benefits relies on a highly specialized team for the development of high value-added solutions analysis and management of benefits programs lockton´s expertise helps clients retaining talents providing better life quality to employees and managing risks costs integrating your company s health providers we believe that health risk analysis becomes more effective from the integration of data originated by several suppliers the impact of requested adjustments by the health insurance plans can be only properly assessed by actions which may consider all health aspects of the corporate population in addition to review existing health dental and life insurance plans in companies lockton also offer the integrated health management plan ­ a performance evaluation process of the program in which all data concerning to employee s health are taken into account besides identifying risks integrated health management allows the mapping of deviations found and sets required actions to correct them the multidisciplinary team formed by physicians dentists actuaries and specialized consultants turns lockton into a consulting company that covers all the aspects related to the structure and management of benefits health check-list immunization v health management consulting v life and personal accident insurance v dental plan management v private pension advisory services v actuarial services v assistance in corporate communication v international benefits consulting services v travel insurance consulting v flexible benefits consulting and assistance v legal consulting v health stop-loss health plan chronic disease management case management screening dental care wellness wellness check-up occupational risk management medicine an important aspect about data base integration used by lockton is allowing estimate the return of investment roi based on the proposed corrective and predictive actions.

[close]

p. 3

the performance of health contracts may be monitored by operator s indicators by equalizing coverages negotiation with the medical network and indexes approved according to the variation of medical and hospital costs operational management lockton manages benefits by optimizing costs and results processes specialists help on the review of operational flows favoring daily routines and management controls v in company service v flow control of health care plan identification cards v application for a duplicate of the vvvvvv identification card changes to the registration database inclusion and exclusion issuance of loss ratio reports satisfaction researches follow-up of health care renewals scheduling medical and surgical procedures for officers/managers monthly invoices check management reports we understand that the frequency of use financial assessment and ranking by users are inherent aspects to the performance of our customers health insurances in order to avoid a contemplative behavior against the reports based on expenses already incurred lockton innovates once again by introducing reports that integrate current data and antecipate future trends company s health plan costs are directly linked to the actual utilization of the insured group health committees health committees includes the operators and other customers suppliers involved in the health plan to provide the ideal forum for lockton analysis of reimbursements and billing v reception of documents ­ receipts reports corporate communication projects lockton develops along with client´s hr communication strategies and internal campaigns aiming to align employees needs and commitments with company s goals coming up with visibility and appreciation of the benefits programs vvvv review of technical conditions v health promotion programs v communication campaigns v program redesign v monitoring of critical cases v cost adjustment simulation v predictive risk analysis v definition of preferential medical network v medical and hospital invoices judicious analysis of received documents file maintenance of all processes sending of documents to the operator no later than 24 hours from the arrival date at lockton proactive follow-up filing and conclusion of the processes lockton advantage automatic billing check and issuance through lockton® system with main market operators underwriters

[close]

p. 4

health management monitoring of hospitalizations lockton access data on non critical hospitalizations­ before the procedures occurs the criterion of hospitalization mapping is defined jointly with company s doctor and allows obtaining favorable results health risk management ­ chronic disease and high risks the health care providers invest in the management of chronic patients based on the utilization cost of the risk group costs become the main indicator to eligible employees for the chronic disease management program promoting only a cyclical system that masks the immediate loss ratio results but does not manage any future risks healthy low risk medium risk chronic disease high risk chronic disease complex cases management of severe cases despite being rare highly complex cases own elevated costs and trigger stressful situations considering the impact of these procedures on health care plan expenses and the need for a quick intervention lockton offer the severe case management service through a network of specialized physicians in the main state capitals in the country lockton benefit v medical advice with a especialized health promotion early management of chronic patients case management team v users and family support in all operationals process v assisted in the providers selection hospitalization monitoring lockton proposal is to turn down the long-term risks using individual health indicators as part of the eligibility criteria for the chronic disease management program extending the preventive measures to low risk patients before envolving chronic condition lockton differentials v risk assessment and stratification health check list map to act through an specific owned tool lockton use a risk assessment methodology which through data sharing on the web allows considering individual aspects of employees upon v diabetes v cholesterol v obesity v eating disturbs v poor posture v hypertension v cardiovascular risks in v smoking v level of physical activity v food habits v sleep quality v stress level v cancer risks v alcoholism drug addiction v family background v market study for the identification of chronic diseaset management v implementation and management of the customized program v monitoring on the return of the investment made v definition of the eligibility criterion for the chronic disease management program assistance on the choice of health care providers health coaching ­ guidance method to understand non-healthy habits and if necessary introduce behavioral changes that will have a positive impact on the coachee s health some conditions monitored v cardiovascular diseases v respiratory diseases v diabetes mellitus v blood pressure v cholesterol v obesity general lockton advantage our questionnaires and the answers could be integrated to the occupational health database or to any other customer s suppliers.

[close]

p. 5

occupational health management lockton medical area contributes for the integration of health care providers and through occupational health assessments they gather biometrical data that increase the health risk analisys integrated management with occupational health enables effective actions for the loss ratio control v comparison between the use of hospital and emergency services v reduction of medical appointments v in company medical facilities considering a lot of aspects of each client lockton wellness division produces high value-added contents provides information on disease prevention health promotion and organizes tailor-made corporate actions wellness projects are based on the evidences found to increase the return on investment and promote a healthy life style lockton wellness programs main physician goals and actions at in-company medical care facilities v medical care to employees and their dependants v joint action with company s occupational health physician for loss v workplace fitness v corporate physical v ergonomics reports and vvvvv ratio control reduction of emergency services utilization absenteeism management medical certificate management and control accomplishment of occupational medical exams focusing on risk analysis management of health-related absence participation in the specific health welfare programs and internal prevention programs ­ lockton wellness programs assessment v gym in company v physical assessment v health lectures and campaigns practical guidelines v human motion analysis and injury prevention v physical activity for the disabled v quick massage v spa v wellness day v wellness run technical and operational management v monthly report on medical productivity v report of ongoing and solved procedures v health certificate control report v identification of high users and medical service providers v focus on preventive medicine lockton customers receive informative newsletters according to a previously validated health calendar for each customer and the necessary guidance to hold lectures and campaigns as well as to develop health promotion and life quality programs wellness newsletters v smoking and alcoholism v cholesterol and associated risks v depression and anxiety v family and executive immunization v respiratory allergies v sexually transmitted diseases v work-related accidents v others

[close]

p. 6

dental plan by adding value to the dental plan benefit lockton suggests interactive communication for the proper use of resources based on the evaluation of employees needs actuarial services for health and pension the combination of knowledge experience and statistically organized data provides a sound pillar for right decisionmaking on health and pension lockton provide technical and legal assistance to their customers in their need for clarification on health and pension markets by helping them choose the most adequate solution for their unique circumstances we rely on the know-how of specialized actuaries in open and closed supplementary pension plans and in all health´s feasibility models services range from the redesign of the plan and communication to the actual implementation and presentation to all employees benefit implementation communication v design of the dental plan based operational and executive management v financial management reports v dental plan management reports v network adequacy analysis technical consulting v performance evaluation of the on company s profile expectations and budget v benchmark analysis v assistance for the presentation of plan coverage and use proposed program and technical adjustment needs shared actions v guidance for dental health promotion actions v seminars on benefits implementation v guidance for the adoption of preventive care v dental screening consulting and advice we offer a complete portfolio of financial services in health and pension v general follow-up legal and technical v plan design v due diligence v asset liability management alm studies v plan implementation v interface with managers v plan modeling and migration among life insurance corporate life insurance lockton consulting encloses an actuarial assessment of the insured group analysis of coverage design and limits accomplishes quotations and manages claims our reports show various loss ratio indicators not only those ones related to coverage ­ it enables more effective management of the risks inherent to the company s business v sponsor s adherence v plan changes v analysis and definition of financial vehicles v technical analysis of contracts v actuarial and benefits audit v actuarial assessment v mandatory annual actuarial assessment v performance evaluation of the current plan vvvv life insurance claims we guarantee a fast claim handling procedure and provide v list of necessary documents procedures v prior definition of required documents and guidelines for hr v coordination of medical expert examinations v follow-up of claims companies and insurers up to their conclusion v direct service to each one of the company s branches v claim consulting and notice through web manager market quotation v benefit and compulsory institute calculations v accounting purpose calculations cvm 371 fas 87/158 ias 19 pension entities technical note and actuarial opinion market research sponsor withdrawal management report

[close]

p. 7

one lockton ­ international benefits we offer specialists who use an existing structure in over 40 countries in brazil we have developed international benefits programs and advisory services v consulting in the implementation of global flexible benefits flexible benefit programs enable the adaptation of different needs to customized benefit packages ­ with due regard to technical and financial limits of each possible pack lockton offer complete systems developed by huggard caine to their customers vvvv benefits consulting in the design of plans according with local practices and laws implementation of local plans solutions for expatriates reports for corporate headquarters in the flexible benefit plan the company has more control over the investment in benefits and the flexibility does not harm either the company or their employees lockton corporate the safest way to dilute health risks for small and medium-sized companies more benefits better services and fewer risks ­ this is lockton is specific product for small and mediumsized companies the largest differential lies on risk dilution at lockton corporate company s health plan is linked to a group contract that includes a group of companies selected after a discerning and effective risk analysis risk management ensures the balance of the participating group once loss ratio review is held jointly lockton corporate offers the best market operator plans and also ensures v operational management headed by lockton team v reimbursement system v specialized service v health newsletters with an annual calendar v billing on the web flexpack® is a compact flexible benefits program that can be easily implemented and managed suitable to the legislation and affordable cost wise lockton offer all legal strategic operational and technological assistance for an easy and fast implementation of flexible benefits eflex® is a benefits management service that automates operating procedures and offers a friendly interface to program users implementing self-service philosophy eflex® is a huggard caine tool designed to aid your company upon the management of a flexible or traditional benefits program specially developed product for companies which feature from 10 to 100 employees.

[close]

p. 8

lockton location strategic partners lockton offices eos risq offices contact são paulo av brigadeiro faria lima 1485 2º andar jd paulistano cep 01452-002 são paulo/sp tel +55 11 3371-9137 fax +55 11 3371-9278 0800 55 30 45 rio de janeiro rua méxico 31 conj 901 centro cep 20031-144 rio de janeiro rj pabx tel +55 21 2212.1600 fax +55 21 2212-1604 www.br.lockton.com são paulo +55 11 3371-9137 rio de janeiro +55 21 2212-1600

[close]