

PRESIDENT

Aldo Alberto Alvarez 

VICE-PRESIDENT

Gustavo Javier Alvarez 

DIRECTORS

Román Ezequiel Branc Enrique Ramos Mejía Gerardo Enrique Desmourés

BOARD



ACTING DIRECTOR

Miguel Ángel Pereyra 

TRUSTEES

Hector Ponce de León Elisa Faks Pablo Marcos Luna 

ACTING TRUSTEES

Patricio Blasco Yanina M. José Chazarreta Fernando Julio Pimentel



INTERNATIONAL AREA

Soledad Gramajo 

RISK MANAGEMENT

Fabián Vítolo 

COMMERCIAL

Aníbal Balestracci 

MANAGEMENT

Verónica Carrizo

MANAGEMENT STAFF



TECHNICAL

Pablo Cirulli 

UNDERWRITING

Horacio Rossaro 

IT

María Fernanda Barrios

NOBLE Compañía de Seguros

NOBLE :

 A Nationwide company with a strong presence in every province  Highly specialized in professional liability  Distributed through insurance brokers  Commercially flexible and creative

NOBLE Compañía de Seguros

 Proactive in claim administration  High-level reinsurance  Able to create value and long term bonds with producers, insurers and reinsurers  It’s a company that constantly reinvests its earnings to increase its financial strength

Our corporation

Noble was created by experts in Professional Liability and Legal Liability that know how the market works and can respond to its requirements.

NOBLE ´S guarantee rests in three solid pillars:.



SPECIALIZATION:

A groundbreaking proposal based on Professional Liability 

SEASONED MANAGEMENT:

Well-known managers in the insurance market 

REINSURANCE POLICY:

Direct contract with Scor Re

Creativity and experience at the client service

NOBLE

is a company that specializes in covering Professional Liability. From the beginning, it was thought and developed to fulfill activities related to this segment. Every product, every service and every detail answers to the concrete needs of a market as complex as one that involves professional activity. As a result of this we have a strong company with experience in its field and with the tools to give the highest quality services.

You are in the best hands

NOBLE

has acted seriously and responsibly when they decided to only take risks under total monetary protection. To this effect, they use the most suitable risk-transfer tools from the Global/International Reinsurance Market.

NOBLE

combines economic and financial stability from the biggest Reinsurance companies in the world with the national knowledge to manage risk. And its objective is to create a long lasting and transparent bond with its clients.

The advantage of working with experts

NOBLE

has the best team to advise the client with their every need, providing an excellent service targeted towards tailored attention.

NOBLE

has combined the efficiency of experienced managers with a long trajectory in the insurance market with the experience of specialists in risk prevention, claim management and lawsuit defense.

Custom-made technology

NOBLE

has the latest Insurance System in the market. Enabling an operative framework that allows them to work in an organized, agile and efficient manner. This framework was conceived to be in touch with producers and International Reinsurances at all times.

This makes for a dynamic service of excellence.

A risk prevencion system

A NOBLE Concept

Risk Management Programs A loss reduccion system Monetary coveragel Coordination programs between Doctors and Lawyers In accordance with the Insurance

NOBLE ´S LEGAL LIABILITY PRODUCTION DEVELOPMENT

60,000 50,000 40,000 30,000 20,000 10,000 Jun-03 Jun-04 Jun-05 Jun-06 Jun-07 Jun-08 Jun-09 Jun-10 Jun-11 Jun-12 Origin: SSN

NOBLE ´S INVESTMENTS AND ASSETS EVOLUCION DE DISPONIBILIDADES E INVERSIONES DE NOBLE AVAILABILITY DEVELOPMENT

45,000 40,000 35,000 30,000 25,000 20,000 15,000 10,000 5,000 Jun-04 Jun-05 Jun-06 Jun-07 Jun-08 Jun-09 Jun-10 Jun-11 Jun-12 Origin: SSN

Parametros SSN Origin: SSN CREDITS/ASSETS

41%

Max 50 COVERAGE

111%

Min 80 FINANCIAL

73%

Min 65

COMMERCIAL

Our products

Individual Professional Liability

 Doctors        Dental Surgeons Psychologists Biochemists Medical Assistant Vets Lawyers Notaries

Professional Liability Health Institutes

 Hospitals and clinics        Specialized outpatient care centers Diagnostic centers Psychiatric Geriatrics Clinical Analysis Emergency Medical Service Corporations Pharmacies

Group Professional Liability

 Medical Associations  Professional Associations

Legal Liability Clinical Trials

  Sponsors Laboratories  CRO    Research Locations Main Researcher Sub Researcher

Benefits for Professional Insureds

MONETARY COMPESATION

 Compensation for the cancellation and/or professional registration due to criminal proceedings against the insured (from ARS $ 2,000 up to 24 months).

suspension of the

NON MONETARY BENEFITS

 Pregnancy  Illness / Accident  Professional Training Abroad  Integral Medical / Legal Counseling:  On all the legal proceedings and their different stages, i.e., investigation, mediation and judicial instances.

 On all the different jurisdictions and venues, i.e., civil, criminal, administrative and disciplinary courts and tribunals.

  On the event of search warrants and seizure of medical records 24/7 Legal /Medical Counseling Service .

.

Deductibles

INDIVIDUAL INSUREDS

Without Deductible

INSTITUTIONAL INSUREDS (except otherwise agreed)

10% of the claim with a minimum of 3% and the maximum of 6% of the Sum Insured.

Replacement Premium

10% of the claim with a minimum of 3% and the maximum of 6% of the Sum Insured.

2% 1% 1% 1% 1% 18% 9% 4% 2% 2% 6% 1% 1% 1% 1% 26% 1% 14% 1% 2% 2% 1% 1%

Insurance Distribution

1% 2% 1% 2% 1% 1% 1% 9% 1% 5% 2% 7% 1% 1% 35% 1% 22% 2% 2% 3%

Nov-2009 ado a Actualiz

Commercial Network Distribution

RISK MANAGEMENT

Risk Management

      Spreading the NOBLE concept Eyes, ears and voice of the company in the health area Taking part in health industry and insurance events Media relations Risk management programs coordination Aware of the market’s needs

Identified as another actor in the health industry

It publishes in special interest magazines

The Value of Proactivity

     Cultivate the loyalty of the client list Get to know the insured better Early identification of potential losses Research commercial opportunities Gradually improve the insured’s risk profile

Hospital Británico de Buenos Aires

CLAIMS

 Claim Tendencies  Problematic Accounts

UNDERWRITING

 It informs and clarifies prospective clients  It informs about changes on risk profile

RISK MANAGEMENT

COMMERCIAL

 Presents the Compañy and Services  Researches new business opportunities  Develops new products

LAW

 Risk Committees  Body of Law  Applicable Law

Tools

 In-Person Training (Workshops)  Medical and Law Risk Audits  Risk Committees  Consultation and data transference through e-mail  Development of special programs  Monthly newsletter  Prevention blog

In-person Training

Workshops and Seminars

 For the institutions’ managers and executives  For groups of professionals  For other market actors (Knowledge Broadcast)

Clínica Humana de Imágenes. Gral Roca. Río Negro

Executives and professionals in institutions

 Annual planning  Risk committees creation  Development of system of compensable event notification  Training professionals as a nexus

Sanatorio Mater Dei de Buenos Aires

Professionals Groups Seminars

         Doctor-Patient Relationship Communication Clinical History Informed Consent Doctor’s Office Risk Operating Room Risk Obstetrics Risk        Trauma Service Risk Esthetic Surgery Risk Infirmary Risk Radiology Risk Psychology Risk Hospitalized Suicides Medication Errors On Duty Risk

Lawsuit Causes

Other Market Actors Support for NOBLE ´S Presidency in the International Judicial Academy

 Scientific Evidence Appreciation  Justice and Insurance

Servicio de Neonatología Hospital Privado Sudamericano de La Plata (Prov. Bs.As.)

Risk Committees

 Legal and medical representatives  Participation of members of the institution  Discussion of the main incidents and claims  Discussion of specific aspects of patient security

NOBLE ´s involvement in regular institucion activities Incident discussion Presentation discussion

Hospital San Juan de Dios. Ramos Mejía. Provincia de Buenos Aires

Phone Assistance and Data Transference trough E-mail

Client Consult Noble ´s Answer

Client Satisfaction

Development of Special Programs

Fall Prevention Wrong-site Surgery Infant Abduction Suicide in Psichiatric Facilities Wrong Medication Errors

UNDERWRITING

ANNUAL EVOLUTION OF THE NUMBER OF CURRENT EXPOSED BY AREA

25 000 20 000 15 000 10 000 5 000 2005 2006 2007 2008 2009 2010 2011 2012 INDIVIDUAL GROUP INSTITUTIONAL

DISTRIBUTION OF INSTITUTIONAL RISK Other Institutions

(Doctor´s office, Oral surgeon, laboratory, General prectise, Pharmacy) 34%

Institutions without hospitalization

39%

Clinical Trials

4%

HMO, Unions Private

4%

Emergency

4%

Homecare

8%

Ambulatory more than 50 beds

2%

Ambulatory up to 50 beds

5%

INDIVIDUALS PER RISK CATEGORY Cat. 4 Cat. 3 Cat. 5 Cat. 6 Cat. 7 Cat. 2 Cat. 1A Cat. 1 CATEGORY

Cat. 1 Cat. 1A Cat. 2 Cat. 3 Cat. 4 Cat. 5 Cat. 6 Cat. 7

%

40 12 28 5 2 6 1 6

% CUMULATIVE

41 52 80 85 87 93 94 100

CLAIMS AND LEGAL

8% 1% 2% 1% 4% 1% 1% 1% 2% 2% 1% 11% 5% 1% 8% 1% 18% 30% 4% 2% Historical Distribution of Litigious Processes Records

25% 20% 15% 10% 5% 0%

CASES BY SPECIALITY

CLOSED CASES BY TYPE OF CLAIM

70% 60% 50% 40% 30% 20% 10% 0% 60% Extrajudicial 40% Contentious process

CLOSSES CASES- TOTAL HISTORICAL AMOUNT EN $

100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% 100% 27% 12% Amount claimed original Amount settlements total Noble net total amount