Nominee for The Digital Insurer's Asian Start Up InsurTech Award

1. DRAFT
August 2016
Digital Tech International
This document is proprietary and strictly confidential. No part of this document may be
disclosed in any manner to a third party without the prior written consent of DigitalTech Srl

2. Market: the $5 T international insurance industry
2
Source: Connected Insurance Observatory, Bain & Company, World Economic Forum
“all the players in the insurance arena
will be InsurTech—meaning
organizations where technology will
prevail as the key enabler for the
achievement of strategic goals.
Bain & Company
GROWING INSURTECH
INVESTMENTS CONNECTED INSURANCE
EXPECTED SURGE IN
CONNECTED THINGS
"[about Fintech] the greatest impact of
disruption is likely to be felt in the
insurance sector. Ubiquity of connected
devices will enable insurers to highly
personalise insurance and proactively
manage clients’ risks”
World Economic forum
10
connected things per
person
200
connected things
per person
Connected insurance is the approach using sensors for collecting data
on the state of an insured risk and telematics for data remote transmission
and usage along the Insurance value chain

3. Business model: mobile based solution enabling the Insurance
Carriers to easy deal with the connected insurance opportunity
3
end-to-end
solution
white-label
and
modular
Profit sharing
and
time to market
PAY-PER-
USER
FLEXIBLE
• Connected insurance SaaS for the insurance Carriers
• Single engaging and mobile based customer experience
• Device agnostic
• Already integrated with a full set of service providers
• Look & feel designed coherently with the Insurer corporate
image and brand
• Container app able to host any pre-existing insurer’s apps,
third parts' app and to evolve over time
• Insurer picks & we deploy preferred modules
• State of the art technology fully scalable
• Weeks for the go to market
• No set up costs, revenues based on % of the insurance premium
• Modular pricing based on the module activated by the single
insurance carrier
THE DIGITAL
SNACK
INSURANCE
CONVENIENT

4. An insurance innovation factory
4
Luciano Pezzotta
Founder & Partner
Andrea Silvello
Founder & Partner
Narciso Podda
Consultant
Luigi Mozzillo
CTO
Melissa Siano
Marketing specialist
Antonio Marciante
Product Manager
Celia Clinciu
Consultant
TEAM MARKET TEST
Innovative start-up founded in 2013
Completed the MVP and set-up partnership to scale
up by leveraging founders’ consulting companies
The products and the related B2B business models
have been tested with international insurance and
reinsurance target clients
In the last 12 months we fine-tuned the concept and
the business model thanks to discussions with over
20 insurers in Italy, Europe and Asia. Developed 5
different POC
Digital Tech is part of the Observatory on Connected
Insurance, a think tank created by Bain & Company
who has attracted not only ANIA, the Italian
Association of Insurance Companies, over 30 primary
insurance and reinsurance international Groups and
12 other vendors (Octo, Vodafone, Guidewire, ..)
Acknowledgement from the insuramce community:
Digital Snack (Neosurance) has been awarded the
Insurance IoT newcomer and Digital Tech has been
shortlisted among the 5 finalists

5. Quotes from insurers
5
“A solution able to simultaneously manage all house related perils is not yet
available in the US market and is very interesting for us”
Phil Brubacker, ASI
“This [the insurtech disruption] is just the beginning and we like your approach
because we need a strategic partner willing to work with us and customize the
solution according to market feedback and emerging opportunities”
Toi See Jong, Tokio Marine
“Your understanding of the digital insurance space is impressive and I wonder if
together with your applications you are keen on providing strategic guidance as
well ”
Aman Chowla, Prudential BSN

6. The architecture
6
B2B Sales and relationship management,
partners orchestration
Mobileuserinterface
Health access
Health services
Wellness
Car insurance
Digital insurance
snack
House insurance
Datarepository
MGA
(managinggeneralagents)
BUSINESS ARCHITECTURE
Neosurance
Air
COMPANY ARCHITECTURE
Digital Tech
50%
50%
7,5%
50%
92,5%
50%
Established IoT
manufacturer
(>16M revenues)
Top agents of leading
Insurer.
Broker on the car
dealer channel (12M€
of insurance portfolio)
Leader mobile
customer
experience
Digital tech represents the strategic head of the architecture, the owner of the
relationship with insurers, the exclusive distributor for Neosurance and Innotech

7. Top line: business unit and key drivers
7
Health
front
House
front
The digital
snack
insurance &
MGA platform 13% of
2021 sales
8% of 2021
sales
• From 1 to 15 Insurers in 5 years
• Number of active policies for each insurer from 7,5K to 29K
(progressive activation)
• Average premium from 1500K€ to 1200K€ (entrance of collective
schemes)
• Revenues at 3,6% on premium (60% of the full modules)
THE DIGITAL
SNACK
INSURANCE
79% of 2021
sales
• From 1 to 10 Insurers in 5 years (50% from cross selling with
health)
• Number of active policies for each insurer from 7,5K to 33K
(progressive activation)
• Average premium starting at 150€
• Revenues 3,9% on premium (60% of the full modules)
• Health and house front clients:
- Insurer activation from 10% to 30%
- Use from 0,5% to 7,5%
- Number insured event from 10 to 30
• Average premium 2€
• Revenues 20% on premium
• MGA platform usage from 30% to 20%, additional
revenues 20%

8. Set-up costs
8
DEDICATED TEAM COST STRUCTURE
Senior
Commercial
• From 1 to 4 in 5 years
• From 1 to 7 in 5 years
CTO
• From 1 to 4 in 5 years
Product
manager
• Health front from 1 to 4 in 5 years
• House front from 1 to 2 in 5 years
• Digital snack/MGA from 1 to 3 in 5
years
Partner
costs
• Neosurance charge 26% on the
health front revenues and digital
snack
• Innotech charge 54% on the house
front revenues
• Air charge 75% on the MGA
revenues
Facilities
• From 90K€ to 1.700K€ in 5 years
Services
• Commercial expensed from 100K to
2.000K€ in 5 years
• Data management and integration
50K€ to 2.680K€ in 5 years
• Other costs 100K€ to 900K€ in 5
years
From 7 to 28 FTE

9. Digital Tech 2016-2021 Economics
9
K Euro 2016 2017 2018 2019 2020 2021
Revenues
Health Front revenues 405 2,241 5,777 11,435 19,651
House Front revenues 44 219 571 1,143 1,940
Digital Snack revenues 1 16 110 342 843
MGA platform revenues 11 48 259 1,311 3,761
Total Revenues 0 461 2,524 6,718 14,232 26,195
Costs
Manpower -130 -390 -430 -945 -1,412 -1,986
Facilities -45 -135 -235 -475 -905 -1,740
Services -91 -274 -1,006 -1,960 -3,680 -5,675
Partners -45 -134 -730 -2,056 -4,800 -9,621
Total Costs -266 -933 -2,401 -5,437 -10,796 -19,022
EBITDA -266 -473 123 1,281 3,435 7,173
EBITDA % n.a. n.a. 5% 19% 24% 27%

10. DRAFT
email: info@digitaltech-international.com
Digital Tech International