Ai reinvents Dental Insurance Ai technology-driven solution for dental insurance Vision We’re here to disrupt the dental insurance landscape Our groundbreaking digital platform leverages Ai capabilities for dentistry and fully automates dental insurance operations by seamlessly connecting Insurers,Dentists, and Patients. Our Digital Solution Enables insurers to drive and optimize value creation for all stakeholders, (Insurers, Insured, Dentists), by leveraging Ai solutions over a fully digitalized business model. | We deliver: Personalized ongoing risk assessment Sophisticated multiparametric pricing algorithms Ai driven Fraud and Abuse framework Product design aligned with insurer's Business rules Dental practice protocols integrated within business rules Fully automated process Transformative AI technology > Ai Driven : Personalized exhaustive risk assessment Case validation Fraud and Abuse Control Framework Ai-supported pricing algorithms Product modeling and design Automating > Full automated processes First-notification-of-loss process Approvals Claims settlement Reserving & Accounting Artificial Intelligence in Dentistry The integration of Ai in dentistry has the potential to significantly enhance both diagnostic accuracy and treatment outcomes through several key advancements: 1. Improved Diagnostic Precision: Ai algorithms, particularly those using deep learning, can analyze dental imagery with high accuracy. By recognizing patterns and anomalies that may be invisible to the human eye, Ai assists in diagnosing conditions such as dental caries, periodontal disease, and even oral cancers at an early stage, which is crucial for successful treatment. Source: US National Library of Medicine 2. Efficient Treatment Planning: Ai can process and analyze a patient’s dental records and imaging to suggest the most effective treatment plans. It can help in predicting the progression of dental diseases, thereby enabling dentists to customize treatment plans that are proactive rather than reactive. Source: Journal of Dental Sciences (TADS) 3. Endodontics: In root canal treatments, Ai can help in identifying the anatomy of the root canal and assist in predicting the outcome of endodontic treatments. This can lead to more successful treatments and potentially reduce the number of procedures a patient needs to undergo. Source: US National Library of Medicine 4. Predictive Analytics for Patient Outcomes: Ai's predictive models can forecast the likelihood of future dental problems. By analyzing trends in patient data over time, Ai can identify patients who are at a higher risk for certain conditions, allowing for earlier and more targeted interventions. Source: US National Library of Medicine 5. Quality Assurance: Ai systems can also serve as a second set of eyes to ensure that the treatment provided meets quality standards. This can help in reducing errors and improving patient safety. Source: US National Library of Medicine 6. Personalization of Dental Care: With its vast data processing capabilities, Ai can help tailor dental care to individual patient needs. This personalization can lead to better patient experiences and outcomes by focusing on prevention and maintenance tailored to each patient's unique risk profile. Source: US National Library of Medicine Source: EY CEO Outlook Pulse global survey, July 2023. Summary Ai's ability to analyze extensive datasets with precision and speed enhances the accuracy of diagnoses and the effectiveness of treatments in dentistry. ​ As Ai technology advances, its use in dental care is anticipated to expand, resulting in further enhancements in patient care and treatment success rates. Ai Data Science & Insurance ​Top ways global insurers plan to use Ai & Data Science 43% Predict trends and demand to better meet customer needs and optimize operations Develop self-service tools to improve customer and employee experience 37% Drive product innovation through new offerings and personalization 9% Automating processes to reduce labor costs, redeploy talent and improve efficiency 9% Don't know 1% Data science and AI will not play a significant role 1% Source: EY Tech Horizon Global Survey, 2022 What insurance CEOs think about Ai Source: EY CEO Outlook Pulse global survey, July 2023. 59% Say jobs impacted by Ai will be counterbalanced by new roles 58% Say Ai is a force for good 52% Plan significant investments in Ai in the next year 2024 Ernst & Young Global Insurance Outlook Articles & Reports Check back soon Once posts are published, you’ll see them here.

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Dental Care Challenge Balance access to dental services & out of pocket spending Dental care spending 2022 -Projection 2030 ASIA - PACIFIC Fastest Growing market CGR 8.8% CHINA 34B → 55B AUS& New Zealand 8B to reach 12B (2030) USA 162 B USD to reach 250B . North America EU 90B to reach 150b Global Dental Care Spending (2023) 433.2B USD$ to reach 700B USD$ by 2032 (CAGR 4.95%) Dental Services Market Share by Region, 2020 (%) The integration of AI in dentistry has the potential to significantly enhance both diagnostic accuracy and treatment outcomes through several key advancements: Source: Precedence Research Global growth is driven by: Increase in Dental health awareness Accelerated Dentist’s density in developing economies The growing practice of Dental Implants Cosmetic dentistry increasing demand Who is financing Dental Care ? Even in developed economies dental care is mostly financed by patients directly. Globally, the proportion of direct payments made by individuals for dental care, along with payments for medical products, is among the highest of all health-related out-of-pocket expenses. In many countries, dental care is not fully covered as part of the public healthcare system and individuals may pay out of pocket for dental services or to seek private insurance. Out-of-pocket expenses for dental care vary significantly across different regions and countries. In some countries, out-of-pocket payments for dental healthcare make up a substantial proportion of total dental expenditure, even in countries with high private dental insurance coverage. This indicates that dental care can be extremely costly and may be beyond the means of many individuals, particularly in developing countries. ​ Financial protection is undermined when out-of-pocket payments for health care lead to financial hardship (impoverishing and catastrophic health spending) or create a barrier to access, resulting in unmet need for health care. Dental Care % out of pocket spending OECD 59% Say jobs impacted by Ai will be counterbalanced by new roles 58% Say Ai is a force for good 52% Plan significant investments in Ai in the next year Source: EY CEO Outlook Pulse global survey, July 2023. U.S.A. Dental Spending 2021 USD$ 162B Source: ADA American Dental Association | ​U.S.A. Dental Spending 2021 USD$ 162B Dental care is a top root cause of catastrophic* healthcare expenses in EU. In the EU, catastrophic health spending affects on average 4-6% of households. Dental care is the top driver of catastrophic health expenses (26%) followed by medical products (22%) and outpatient medicines (19%). Out-of-pocket payments for dental care lead to financial hardship for richer households and unmet needs for poorer households. *Catastrophic expense: The World Health Organization (WHO) defines catastrophic healthcare expenses as health expenses that exceed a certain percentage of a household's capacity to pay. Healthcare expenses are considered catastrophic if they surpass a specific threshold, often set at 40% of the household's capacity to pay. Out-of-pocket payments for dental care lead to financial hardship for richer households and unmet needs for poorer households. Challenge ​National Health Systems Challenge ​ For poorer Households, the challenge is affordable access to Dental Services (Universal Health Coverage). Financial protection vs unmet dental care needs. ​ Health Insurers Challenge ​ For average and high-income households the challenge is Financial hardship – reduce % of total out-of-pocket health spending on dental care (secure financial stability).

Dental Insurance Challenge Health insurers & dental coverage Health insurers transformation The transformation of health insurers from simply fulfilling the role of financial backers to taking on the role of life partners signifies a considerable change in the direction of the industry. ​ Health insurers are progressively aiming to extend their function past the usual insurance offerings, aiming to deliver a more comprehensive and cohesive approach to healthcare by transforming to: ​ “Bridge connectors”, Facilitate the relationship between patients and care providers, using technology to enhance the provider and patient relationship, thus playing an active role in getting consumers the right care. ​ Furthermore, Health Insurers, mainly in the USA, have evolved into “Care integrators” by integrating vertically to align incentives, improve care coordination, tackle utilization, and keep medical costs low. They reposition themselves from merely a payer to “connectors” and evolve further into payer-provider. > Dental insurance coverage is lagging far behind in the transformation journey. As proof, most dental insurance plans are characterized by: Low Cover limits Substantial protection gaps for major treatments In most cases, Insurers remain pure reimbursors, with no relation to care providers Manual document-based business processes Substandard Data and expertise around Dental Health risks Dental Care out of Scope Provider's challenge Globally, in the majority of countries, the provision of dental services is still characterized mainly by conventional sole practice. ​ Even in advanced markets sole practicing is dominant. In the USA 27% do not single practice, and 11% are affiliated with Dental Support Organizations. In the UK and Spain 25% of dentists are organized in chains, for the rest of the markets the number of dentists per practice location is 1 to 2. ​ A scattered provider’s landscape represents a sizeable barrier to establishing a network with preagreed care practices - Protocols and prices. Traditionally insurers set up agreements with healthcare entities like clinics, hospitals, and laboratory centers. Agreements with sole-practicing doctors are established on the grounds of a fixed fee per consultation. Public Healthcare Systems co-ordination Public healthcare system coverage of dental health is key for the development of private insurance offers as the two operational models can coordinate and Private insurance acts as supplementary for the public one, following the public one’s validation of insured and claim case. ​ Most public healthcare systems do not provide coverage for adults. ​ Some PHSs provide limited scope coverage under fee for service like NHS Health Insurers are utilizing PHS’s operational model (processes and controls ) in UK. For these markets, Insurers coordinate with Public Healthcare Systems for the validation of (i) the Insured’s ID (ii) the claim case (iii) the service provided, by covering part of the remaining fee up to the contract limit. Health Insurers are utilizing PHS’s operational model (processes and controls). ​ In these cases where Dental health coverage is not provided by PHS full claim process (Network of providers, eligibility of insured, claim case validation) has to be managed by Insurance Co’s operating model for dental coverage). Fraud & Abuse management The reimbursement model is exposed to high fraud and abuse risk. The risk has evolved during the last years due to the: Increasing demand for cosmetic dentistry Increasing demand for dental implants (20% of global Dental Service value) ​​ ​ The invoiced patient (Insured) may not be the actual patient. ​ Invoiced service may not be the actual service. Pathology for cosmetic treatment or multiple charges/services for justification of increased reimbursement. ​ Health Insurers provide in-hospital care and laboratory coverage by introducing preapproval processes, partnering networks, and shifting from reimbursement to direct billing models. ​ The preapproval process can be a pain point for dental coverage as it would require on spot decision for most cases (even standard and customary). Risk Knowledge As dental is out of the scope of insurers thus there is a globally lack of dental care Knowledge. ​ No UW info is gathered vs comprehensive health insurance in general (questionnaire, examinations, etc.). ​ Dental records are not usually available. ​ Best Claims data are limited to generic service descriptions and cost, in the best case. ​ In that sense, no assessment can be safely concluded on Dental Health Status and its expected evolution, only reactive financial assessment. ​ Pricing models are highly underdeveloped, and available claims data are limited and underutilized. Our Industry Partners COLLABORATION > The lagging of dental coverage by Health Insurers can be attributed to the combined effect of many parameters: Providers (Dentists) Market structure The public healthcare system’s coverage of oral health Operational efficiency Fraud and abuse evolving risk Our Business Digital Solution Enables driving and optimizing value creation for all stakeholders, Insurers, Customers, and Dentists, by leveraging Ai over a fully digitalized business model Efficiency High frequency - Low cost Dental care is a high-frequency risk (more than 40% % of people visit at least once per year a dentist) ​ The majority of cases are standard low-cost services (check-ups, fillings, etc.) ​ Managing such risk models over physical documents & manually is highly inefficient contributing to more than 15% of admin charge over the required premium. ​ For practicing Dental Insurance, a fully digitalized operating model is required, secured by a developed Fraud and Abuse control implemented framework and, automated preapproval process, at the agreed service cost. SmAile targets to be the preferred solution partner Network Management Build and manage local proprietary Dental Networks Integrate solutions within an existing contracted network of Insurer or TPA Enhance the partner’s network with selected members of the proprietary network Customizable at the product/service level Network performance KPIs reporting (dental, operational, financial) Fraud & abuse Automated Control driven by Ai Patient validation Diagnosis validation Service validation Service pricing Data Driven Risk Management Fully mapped oral health assessment per insured Clinical predictions Statistical predictions Predictive pricing algorithms for Renewals/New sales/new products Product modelling Fully automated claim process First Notification of Loss Eligibility control Case approval screening (over 90% of common cases) Escalation communication Reserving Claims payment accounts

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Experience access to qualitative oral health services through personalized comprehensive coverage guaranteed by reputable health Insurers. Secure your dental health and enjoy financial protection. ​ Seamless approval experience. No need to fully expense first and worry about being reimbursed. Instead, on-the-spot approval and direct billing to the Insurer. Patients Grow your clientele by being our provider and accessing large portfolios. Fully transparent and automated cooperation based on global dental practicing protocols. Financially secured by top Health Insurance Institutions through a single platform and agreement. Professionals Elevate insurance operations with our services: enhance cost calculation precision and fortify fraud prevention measures. Achieve greater efficiency and reliability in managing insurance processes. Insurance Companies Our Services

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Ai Enhanced Dental Insurance Technology The SMAiLE Dental AI algorithm Dental insurance product design & management PERSONALIZED DENTAL CARE Our Services help insureds maintain oral health in the long run by personalizing prevention and treatment AI CONDITION PREDICTION Through our specialized services, you can get informed and get provided with analysis for predictions on your dental health conditions. AI-based software for dental data and X-ray storage employs advanced algorithms to detect patterns and anomalies. It can identify discrepancies, unusual claims, or potential fraud indicators, aiding insurance companies in preventing fraudulent activities and ensuring the integrity of their pricing models. FRAUD PREVENTION Implementing AI-based dental data and X-ray storage enhances insurance companies' efficiency. By streamlining data analysis, reducing fraud, and enhancing risk assessment, the software optimizes pricing models, leading to more accurate and competitive insurance rates. INSURANCE PRICING IMPROVEMENT

Ai Reinvents Dental Insurance Ai powered Business Solution WHO WE ARE Meet the Founders SmAile provides AI image analysis of intraoral X-rays, panoramic X-rays (OPGs), and CBCT images, producing an accurate, clear, and detailed Charting and Diagnostic report over numerous conditions, in less than a minute. ​ Image Ai reports enriched by clinical checkup reports and practices delivered reports provide exhaustive patient dental files and enable us to develop personalized dental health scoring and personalized preventive plans. ​ Ai Dental Imaging Analysis is utilized for Fraud and Abuse control. ​ Ai-powered pricing models for driving portfolio renewals and new product development. A cloud-based solution, deployable in local markets. Compliant with Data privacy and security requirements. Full flexibility on product configuration: Guarantees, copayment structures, insured amounts or several services, Out-of-network services. Fully configurable approval rules and escalation by Insurance partner. Flexible Provider’s Network set up: Insurer’s or TPA’s network, Smaile’s network, Dental Support Organizations, Dental Clinic's networks, mixed. Customizable Network Key Performance Indicators reporting Ai Dental health Assessment Report Our platforms enable dentists to get Ai support for reviewing Patient X-rays and advising findings which can be reviewed and validated for the final version by a Certified Dentist. The Patient X-ray is generated by the Dentist (or brought by the patient) and uploaded into the system. Instant analysis is available in a comprehensive format where different display options can be selected. The Patient Visit Report is generated where the information can be updated/edited/corrected by the Certified Professional Dentist along with a clearly marked dental chart. We are a highly diversified team with extensive experience in the Insurance industry. As former insurance senior executives, we have successfully designed, driven, and delivered business projects across multiple geographies, cultures, and lines of business. We see ourselves as trusted business partners for Health Insurers. PRESS SmAile in the News Coming Soon Diamantis Chatzistylis Founder & CEO Dubai ​C-level Insurance executive. Drive profitable growth through digital transformation, Innovation & technical excellence. Multi-market multi-cultural record. ​ Xavier Teixido Co-Founder & IT Consultant Barcelona Senior IT Consultant/Enterprise Architect.Broad experience in business transformation initiatives in leadership, managerial, consultancy, and delivery roles, driving and contributing to the IT transformation lifecycle end to end, from strategy to delivery phases. The Dentist can incorporate comments against each finding before generating the final report – here dentist can market the valid items. The Dentist's comments are incorporated in the PDF report that can be shared with the Patient and other Dentists to give a very clear dental assessment to the Parties with the validated final statement from the Dentist.