Washington, D.C. ~ November 7-9, 2007

2007 International 2007 International ConferenceConference

Beat the Clock! Beat the Clock! New Hopes and Risks in New Hopes and Risks in

Anti-Aging MedicineAnti-Aging Medicine

Beat The Clock! Beat The Clock! Panel MembersPanel Members

MODERATOR: Ron Rumin, Vice President Worldwide Facilities

Cynthia Hine, Vice President Hylant Group

Nancy Huddlestun, AVP & Senior Underwriter General Star

Kathleen Johnson, Senior Claims Attorney Shand Morahan & Company

Edward Kuhn, Owner & Agent Liability Insurance Solutions

Dr. Charles Turner, Owner & Practitioner Innovative Medicine

Good MorningGood Morning

The goal for this morning is to better understand the fastest growing

segment in the healthcare arena…

Medi-Spas

Origin of Medi-SpasOrigin of Medi-Spas

5 years ago Medi-Spas were

unheard of…

Today, it is the new Starbucks…

there is one on every corner

BOTOX BabeBOTOX Babe

Types of Medi-SpasTypes of Medi-Spas

There are 3 basic categories of Medi-Spas:

1. Aesthetics / Cosmetic SpasBotox InjectionsDermal Fillers / CreamsLasersChemical Peels and MicrodermabrasionCellulite TreatmentsContour threadlifts

Types of Medi-SpasTypes of Medi-Spas(cont’d)(cont’d)

2. Wellness/Preventative Medicine SpasHealthy Aging

Stress Management Smoking CessationWeight ManagementDisease ScreeningExerciseImmunizations

Types of Medi-SpasTypes of Medi-Spas(cont’d)(cont’d)

3. Anti-Aging/Alternative Medicine

Nutritional Supplements

Ayurvedic Therapies

Biomagnetic Therapy

Acupuncture

Underwriting the RiskUnderwriting the Risk

How is this new type of “Facility” changing the way Underwriters

underwrite?

Key underwriting considerations• Medical Director• Documents • Procedures• Who are the practitioners?

Underwriting the RiskUnderwriting the Risk(cont’d)(cont’d)

Claims View When Underwriting• Documentation• What types of procedures? • Who performs them?• How are they credentialed?

Prospective Insureds & the Prospective Insureds & the PL Marketplace PL Marketplace

• Who are the prospective Insureds?

• Overview of the Professional Liability marketplace for these accounts

What is a viable What is a viable Medi-Spa Account?Medi-Spa Account?

• What are the markets willing to write? Medical Director Only

• Physician vs. Non-Physician Owned

True Medi-Spa Integrative Practice

• Physicians in Transition

Claims PerspectivesClaims Perspectives

• What types of claims are Medi-Spas generating? Burns Hyperpigmentation To the extreme: Death Cases

Just a Fad, Just a Fad, or or

Here to Stay??Here to Stay??

What’s the future? Crystal ball time

Market saturation

Financial issues

Open ForumOpen Forum

What do YOU think?

Thank you for ComingThank you for Coming

Special “Thank You” to the

Panel Members

Who participated today