PRESIDENT

Aldo Alberto Alvarez

VICE-PRESIDENT

Gustavo Javier Alvarez

DIRECTORS

Román Ezequiel Branc

Enrique Ramos Mejía

Gerardo Enrique Desmourés

 

BOARD ACTING DIRECTORMiguel Ángel Pereyra

TRUSTEESHector Ponce de León Elisa FaksPablo Marcos Luna

ACTING TRUSTEESPatricio BlascoYanina M. José ChazarretaFernando Julio Pimentel

INTERNATIONAL AREA

Soledad Gramajo

RISK MANAGEMENT

Fabián Vítolo

  COMMERCIAL

Aníbal Balestracci

MANAGEMENT

Verónica Carrizo

 

MANAGEMENT STAFF

TECHNICALPablo Cirulli

UNDERWRITING Horacio Rossaro

ITMaría 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

SPECIALIZATION:

A groundbreaking proposal based on Professional Liability

SEASONED MANAGEMENT:

Well-known managers in the insurance market

REINSURANCE POLICY:

Direct contract with Scor Re

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:.

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.

Creativity and experience at the client service

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.

You are in the best hands

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.

The advantage of working with experts

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.

Custom-made technology

A NOBLE Concept

A risk prevencion

system

Risk Management Programs

A loss reduccion

system

Coordination programs between Doctors and Lawyers

Monetary coveragel

In accordance with the Insurance

Origin: SSN

4,4

04

10

,07

5

15

,53

2

18

,65

0

30

,18

8

31

,11

7

32

,38

2

39

,38

7

41

,87

5

51

,16

0

-

10,000

20,000

30,000

40,000

50,000

60,000

Jun-03 Jun-04 Jun-05 Jun-06 Jun-07 Jun-08 Jun-09 Jun-10 Jun-11 Jun-12

EN M

ILES

DE

$

EVOLUCION DE LA PRODUCCION DERESPONSABILIDAD CIVIL DE NOBLE

NOBLE´S LEGAL LIABILITY PRODUCTION DEVELOPMENT

3,9

46

4,7

02

7,4

60

9,1

14

12

,29

7

20

,27

0

22

,34

9

30

,29

2

39

,80

6

-

5,000

10,000

15,000

20,000

25,000

30,000

35,000

40,000

45,000

Jun-04 Jun-05 Jun-06 Jun-07 Jun-08 Jun-09 Jun-10 Jun-11 Jun-12

EN M

ILES

DE

$

EVOLUCION DE DISPONIBILIDADES E INVERSIONES DE NOBLE

Origin: SSN

NOBLE´S INVESTMENTS AND ASSETS AVAILABILITY DEVELOPMENT

INDICADORES DE BALANCE

CREDITS/ASSETS COVERAGE FINANCIAL

41% 111% 73%

Parametros SSN Max 50 Min 80 Min 65

Origin: SSN

BALANCE INDICATORS

COMMERCIAL

Our productsIndividual 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

Legal Liability Clinical Trials Sponsors Laboratories CRO Research Locations Main Researcher Sub Researcher

Group Professional Liability

Medical Associations

Professional Associations

MONETARY COMPESATION Compensation for the cancellation and/or suspension of the

professional registration due to criminal proceedings against the insured (from ARS $ 2,000 up to 24 months).

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.

Benefits for Professional Insureds

INDIVIDUAL INSUREDSWithout Deductible

INSTITUTIONAL INSUREDS (except otherwise agreed)10% of the claim with a minimum of 3% and the maximum of 6% of the Sum Insured.

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

Deductibles

Replacement Premium

26%

14%

6%

4%

2%

2%

18%

9%

2%

2%

2%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

1%

InsuranceDistribution

Actualizado a Nov-2009

22%

9%

5%

7%

3%

2%

2%

2%

1%

1%

2%1%

1%

2%

1%

1%1%

1%

1%

35%

CommercialNetwork 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

RISKMANAGEMENT

UNDERWRITING It informs and clarifies prospective clients

It informs about changes on risk profile

COMMERCIAL Presents the Compañy and Services

Researches new business opportunities

Develops new products

CLAIMS

Claim Tendencies

Problematic Accounts

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

Clínica Humana de Imágenes. Gral Roca. Río Negro

For the institutions’ managers and executives

For groups of professionals

For other market actors (Knowledge Broadcast)

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 GroupsSeminars

Doctor-Patient

Relationship

Communication

Clinical History

Informed Consent

Doctor’s Office Risk

Operating Room Risk

Obstetrics Risk

On Duty Risk

Trauma Service Risk

Esthetic Surgery Risk

Infirmary Risk

Radiology Risk

Psychology Risk

Hospitalized Suicides

Medication Errors

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

2005 2006 2007 2008 2009 2010 2011 2012 -

5,000

10,000

15,000

20,000

25,000

INDIVIDUAL GROUP INSTITUTIONAL

DISTRIBUTION OF INSTITUTIONAL RISK

Institutions without

hospitaliza-tion39%

Ambulatoryup to 50

beds5%

Ambulatory more than 50 beds2%

Homecare8%Emergency

4%

HMO, Unions Private

4%

Clinical Trials4%

Other Insti-tutions

(Doctor´s office, Oral surgeon, laboratory,

General prec-tise, Pharmacy)

34%

CATEGORY % % CUMULATIVE

Cat. 1 40 41Cat. 1A 12 52Cat. 2 28 80Cat. 3 5 85Cat. 4 2 87Cat. 5 6 93Cat. 6 1 94Cat. 7 6 100

INDIVIDUALS PER RISK CATEGORY

Cat. 1

Cat. 1A

Cat. 2

Cat. 3

Cat. 4Cat. 5

Cat. 6 Cat. 7

CLAIMS AND LEGAL

30%

18%

11%

8%

8%

5%

4%

2%

1%

2%

2%

1%

2%

1%

1%1%

4%1%

1%

1%

Historical Distribution of Litigious Processes Records

CASES BY SPECIALITY

Surge

ry

Ob/gyn

Orthoped

ics

Plastic s

urgery

Internal

medicin

e

Psicology

Anesthesi

a

Pediat

rics /

neonato

logy

Ophtalmology

Emerg

ency

room

Other

Odontology

Spine s

urgery

ICU (Inten

sive C

are Unit)

Nursing

Radiology

0%

5%

10%

15%

20%

25%

CLOSED CASES BY TYPE OF CLAIM

Extrajudicial Contentious process0%

10%

20%

30%

40%

50%

60%

60%

40%

CLOSSES CASES- TOTAL HISTORICAL AMOUNT EN $

Amount claimed orig-inal

Amount settlements total

Noble net total amount

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

100%

27%12%