CHAMPP Part 1 20130104 New

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WELCOMEWELCOME

toto

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aritas

ealthssociates

arketingrofessionrogram

CC

HHAA

MMPP

PP

…… welcomeswelcomes youyoutoto

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Our Our VisionVisionFamilies that areassured of the

proper health care

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Our Our MissionMissionTo provide the besthealth care for

Filipino families

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Our Our

CorporateCorporateThrust Thrust To be...

Client-friendlyHospital & Doctor-friendlySales associate-friendly

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CareerCareer

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We look at allWe look at allthese signs,these signs,

searchingsearchingfor...for...

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the BEST BUSINESS VENTURE...

with with

BIG RETURNS!

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Here in

We want itWe want itHIGH!HIGH!

We don’tWe don’t want your want yourBPBP stable…stable…

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Lifetime career

Focused on salesforce

Provides growth

Allows you to carry

other products

BBusinessusinessPPartnershipartnership

withwith BBigigPPotentialotential

BP …BP …

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BBreed of

PProfessionals

BP …BP …

Corporate OfficersCorporate Officers Honorary Chairman Dr. FRANCISCO DIZON

Chairman Dr. AVENILO AVENTURAPresident & CEO Mr. GEOFFREY MARTINEZ SVP & Treasurer Mr. MARIANO KATIPUNAN, Jr. Corporate Secretary Atty. CHARLES ESCOLIN

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Senior OfficersSenior Officers FVP – Operations Mrs. ANA MARIA K. ESCALONA

VP – Med. Services Dr. LAURO D. MAGBIRAY VP – Marketing Admin Mrs. LYDIA K. DOMINGO VP – Corp. Affairs Atty. MANUEL S. REYES VP – Clinica Caritas Dr. JOSEFINA A. CANO

VP – Comptroller Mr. BOBBIE M. MARTINEZVP – MAM Mrs. RAFE M. DIAZ

VP – Med. Services DR. EULOGIO S. ABALAJON IIVP – I.T. Mr. REGIDOR L. TENG

VP – Caritas Leasing Mr. EDGAR C. DE ASIS

BBreed of

PProfessionals

BP …BP …

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Backed by aNATIONWIDE MARKETING TEAM

Total Health Counselors = 8,719

Total Group Managers = 1,087

Total Agency Managers = 357

BBreed ofPProfessionals

BP …BP …

BRANCH MARKETING TEAMTotal Health Counselors =

Total Group Managers =

Total Agency Managers =

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BBroad PProvidersOne of the Largest in the Philippines!!!

BP …BP …

EMINENT MEDICAL PRACTITIONERSEMINENT MEDICAL PRACTITIONERS

Obstetrics / GynecologyObstetrics / Gynecology

Female Reproductive SystemFemale Reproductive System

PediatricsPediatrics

Children 18 years old andChildren 18 years old andbelowbelow

CardiologyCardiology

HeartHeart

GastroenterologyGastroenterology

Esophagus, Stomach, IntestinesEsophagus, Stomach, Intestines

General SurgeryGeneral Surgery

Surgical ProceduresSurgical Procedures

Orthopedic SurgeryOrthopedic Surgery

Bones and Joints SurgeryBones and Joints Surgery

Anesthesiology Anesthesiology

For Pain ManagementFor Pain Managementand Surgeryand Surgery

DermatologyDermatology

For Skin ProblemsFor Skin Problems

Pulmonary MedicinePulmonary Medicine

LungsLungs

UrologyUrology

Kidney, Bladder and ProstateKidney, Bladder and Prostate

NeurologyNeurology Brain Non - SurgicalBrain Non - SurgicalEar, Nose and ThroatEar, Nose and Throat

Ear, Nose and Throat ProblemsEar, Nose and Throat Problems

OphthalmologyOphthalmology

EyesEyes

NephrologyNephrology

Kidney Function and DialysisKidney Function and Dialysis

RheumatologyRheumatology

Joint and Immune DisordersJoint and Immune Disorders

EndocrinologyEndocrinology

Diabetes, Thyroid, AdrenalDiabetes, Thyroid, Adrenaland Pituitary Disordersand Pituitary Disorders

NeurosurgeryNeurosurgery

Brain SurgicalBrain Surgical

DiabetologyDiabetology

DiabetesDiabetes

OncologyOncology

Cancer Treatment andCancer Treatment and

ManagementManagement

HematologyHematology

Blood DisordersBlood Disorders

Infectious DiseasesInfectious DiseasesInfectious DisordersInfectious DisordersInternal MedicineInternal Medicine ADULT MEDICINE

Family MedicineFamily Medicine

FOR ALL ADULT, PEDIA AND OB

PATIENTS

Thoraco-vascular SurgeryThoraco-vascular SurgeryThoracic and Blood Vessels

Surgery

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BBroad PProviders

BP …BP …

Clinica CaritasClinica CaritasNetworkNetwork

HEAD OFFICEG/F Caritas Building,

97 E. Rodriguez Sr. Blvd.

Quezon CityTel. No.: 781-5507

METRO MANILA

Alabang

Aurora Blvd.Blumentritt

Cardinal Santos

Cainta

Cubao

Fairview

Lagro

Makati

Manila Sanitarium

MonumentoOrtigas

Quezon Ave.

Sta. Cruz

Sta. Mesa

Sucat

Taft

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BBroad PProviders

BP …BP …

Clinica CaritasClinica Caritas

ProvincialProvincialNetworkNetwork

Antipolo

Bacolod

Baliuag

BatangasButuan

Cagayan de Oro

Calamba

Cebu

Dasmariñas

Davao

Digos

Dumaguete

General Santos

Iloilo

Imus

Koronadal

Legaspi

Marilao

Malolos

Meycauayan

RoxasSan Pedro

Santiago

Tacloban

Tuguegarao

BP

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BBroad PProvidersBP …BP …

CARITAS FAMILY

HOSPITAL

IMPROVEMENT PERSPECTIVE

1474 Maria Clara St., Sta. Cruz, Manila

BP

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BBroad PProvidersBP …BP …

CARITAS FAMILY COLLEGE 1452 A. H. Lacson St., Sampaloc, Manila

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BBills PPaid

BP …BP …

Trust Fund as of December 31, 2012 –Trust Fund as of December 31, 2012 –Php 7,119,404,138.48Php 7,119,404,138.48

Caritas Heath Shield is in good standingCaritas Heath Shield is in good standingwith all of its healthcare providers --with all of its healthcare providers --doctors, specialists, dentists, hospitalsdoctors, specialists, dentists, hospitals& diagnostic centers.& diagnostic centers.

Assures delivery of commitment to your Assures delivery of commitment to your clients!clients!

Financially sound Health MaintenanceFinancially sound Health MaintenanceOrganization (HMO) companyOrganization (HMO) company

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BBrilliant PProducts

BP …BP …

A first of its kind HMO product! A first of its kind HMO product!

Superior BenefitsSuperior Benefits

TANGIBLE!TANGIBLE!…your client need not be sick…your client need not be sickto enjoy the benefits!to enjoy the benefits!

No medical examinations required.No medical examinations required.

No annual medical examinations requiredNo annual medical examinations requiredon your clients’ succeeding years of on your clients’ succeeding years of coverage.coverage.

Covers even your clients’ pre-existingCovers even your clients’ pre-existingillnessesillnesses

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A comprehensive Healthcare Membership ProgramA comprehensive Healthcare Membership Program

TYPES OF MEMBERSHIP:Healthcare Program Packages

A comprehensive Healthcare Membership Program perfectA comprehensive Healthcare Membership Program perfect with your CLIC Heart Shield 5 with your CLIC Heart Shield 5

A comprehensive Healthcare Membership Program at a moreA comprehensive Healthcare Membership Program at a more

affordable cost.affordable cost.

An adequate value-for-money hospitalization and annualAn adequate value-for-money hospitalization and annualphysical examination programphysical examination program

A comprehensive Healthcare Membership Program ideal forA comprehensive Healthcare Membership Program ideal forcompanies and families.companies and families.

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Target Markets:Target Markets:

Individual SalesIndividual Sales

Individual Sales through Salary DeductionIndividual Sales through Salary Deduction(SSS)(SSS)

Family AccountsFamily Accounts

Corporate ExpandedCorporate Expanded

Corporate TraditionalCorporate Traditional

•CLASSICCLASSIC

•DIAMONDDIAMOND

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BBudget PPackaged

BP …BP …

Budget friendly with moreBudget friendly with more

than forty (40) membershipthan forty (40) membershippackages your clients canpackages your clients canchoose from.choose from.

Affordable Affordable

Not hard to sellNot hard to sell

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BBuyer PPropelled

Unlimited marketUnlimited market

It's what everyone is asking for!It's what everyone is asking for!The product is not justThe product is not just

important…important…

IT’S ANIT’S ANURGENT NEED!URGENT NEED!

BP …BP …

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BBreathtaking PPackage

BP …BP …

Biggest Basic Commission on the FirstBiggest Basic Commission on the FirstYear PremiumYear Premium

Automatic Retention of Net Automatic Retention of Net

CommissionCommission

22ndnd to 5to 5thth Year Renewal/CollectingYear Renewal/CollectingCommission SchemeCommission Scheme

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3 Dynamic & Geometric Monthly Grand Slam Drives:3 Dynamic & Geometric Monthly Grand Slam Drives:

Year Round Seasonal Drives Year Round Seasonal Drives

Year Round Head Hunter’s Rewards Year Round Head Hunter’s Rewards

Annual ConventionAnnual Convention

- Local Travel- Local Travel

- International Travel- International Travel

11Ice BreakerHi –RollerFinisher

22GrandSlamPrize

33GrandSlamBonus

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BBuilt-in PPrivileges

BP …BP …

Upon licensing, you are automatically coveredfor a period of one year from date of licensing

with:FREE Out – Patient ServicesFREE Out – Patient ServicesFree 12 consultations for one year.

Free 10 pre/post natal consultations perpregnancy.Free treatment of minor injury or illness.

Free treatment of eye, ear, nose and throat.

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FREE Preventive Health CareFREE Preventive Health CareFree periodic monitoring of health problems.Free consultation on diet, exercise and other

healthful habits.

Free counseling on family planning.Free immunization, excluding cost of drugs

or vaccine.

Free enrollment in company-sponsoredhealth seminars.

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FREE Other ServicesFREE Other ServicesDiscounts on non-covered health

services at selected hospitals, clinics,laboratories, drugstores or optical shops.

BP

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BBuilt-in PPrivileges

BP …BP …

Upon hitting a Total Contract Price (TCP) of P300,000in CHSI programs within 3 months from licensing, you will further enjoy the following benefits:

FREE Annual Physical ExaminationFREE Annual Physical ExaminationTaking of medical historyMedical examinationChest x-ray

Complete blood countFasting blood sugarUrine and stool examElectrocardiogram

Pap smear

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FREE Dental CareFREE Dental CareAnnual oral prophylaxisTooth extraction

Temporary Filling or re-cementationTreatment of oral pain lesions,

wounds & burns

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Over 81 Branch Offices toOver 81 Branch Offices todo business with and 43do business with and 43

Clinica CaritasClinica Caritas nationwide to take care of nationwide to take care of your clients.your clients.

BBusiness with PPleasureBP …BP …

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Is

RITAS HEALTH SHIEthe

BEST BUSINESS VENTUREBEST BUSINESS VENTURE

with with BIG RETURNSBIG RETURNS ??

NO!!NO!!

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We will give you the best time with the best…We will give you the best time with the best…

BB usinessPP artnership with

BB ig PP otential complemented with

BB road PP roviders run by aBB reed of PP rofessionals offering a

BB rilliant PP roduct with a

BB reathtaking PP ackage plus

BB uilt-in PP rivileges because you are a

BB ig

PP art

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of the

BEST BUSINESS VENTURE, not just with big returns,

Keeping your BP High!!!Keeping your BP High!!!

but THE BIGGEST

RETURNS!!!

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Member:Member: Association of Health Association of Health

MaintenanceMaintenanceOrganizations of theOrganizations of thePhilippines, Inc,Philippines, Inc,

(AHMOPI)(AHMOPI)

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ConceptConcept

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Do we all have a

NEEDNEED

for the product?

Urgent?Urgent?Why?Why?

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SA PANAHON LANG BA NG CRISIS...

BAWALBAWALMAGKASAKIT?MAGKASAKIT?

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When illness / emergency hits...

When a loved oneunexpectedly gets sick

CRISISCRISIS!!

UFFERINGSSAll these sum up to

GNOREDIIWith no ready cash, thereisn’t enough care & concern

ELLSSFighting for dear life, weare forced to

NDEBTEDNESSIIWhich results to

UN to relatives/friendsRRAnd in the absenceof CASH, we

ASHCC

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Why invest in

CARITASCARITASHEALTHHEALTH

SHIELDSHIELD?

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ASHCC

We believe getting sick need not lead to CRISIS,Getting sick means being CARED FOR!

UFFERINGSSGNOREDII

ELLSSNDEBTEDNESSIIUN to relatives/friendsRR

… the CARITASCARITAS Solution

CC HARGE

T PEACE andAA

UFFICIENTLY provided for.SS

TT REATED

II NSURED

RR ESOURCES are intact AA SSURED

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Nothing could be more

URGENTURGENTthan to be able to

SUFFICIENTLY PROVIDESUFFICIENTLY PROVIDEfor you and your loved ones!!!

CARITAS HEALTHCARITAS HEALTH

SHIELDSHIELD?Urgent?Urgent?Why?Why?

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MembershipMembership

MechanicsMechanics

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How does the CARITAS MembershipProgram work?

Who can apply?

How does a MEMBER get covered? How long is the MEMBER covered?

What are the benefits?

How much is the cost involved?

Is it a yearly renewable plan?

Is the premium fixed?

Membership MechanicsMembership Mechanics

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Clients subscribing to Caritas HealthShield are called MEMBERS.

GOLD MembershipPREMIER MembershipCORE 10 Membership

The MEMBER…

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Membership is open to applicants who are:In good health

Aged 7 to 60 at the time of application

No medical examination is required.

The MEMBER…

With Insurance Benefit(WIB)

PREFERRED

No Insurance Benefit

(NIB)

PRIVILEGED

18 to 60 years oldIn good health

Less than 18 yearsold

Wh i it ll d

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There 3 stages of coverage to remember

PAYING PERIOD PAID-UP PERIOD EXPANDED PERIOD

Why is it called

EXPANDED HEALTHCARE PROGRAM?

The Member’s obligation is limited to a 5-year

paying period during which he already enjoys theplan’s benefits.

The Member’s benefits extend even after thePaying Period or Paid-up Period, at the time he

no longer pays any plan installment.The program further provides an expanded

period that assures of a continuously increasingMaximum Benefit Limit (MBL) for himself orshared with a relative within the 2nd degree of

consanguinity or affinity.

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How do we assist an applicant in deciding whichExpanded Health Care Program package to get?

1. We counsel the applicant on how much MBL he will need.

2. We counsel the applicant as to when it is best to enjoy orassign his EXPANDED BENEFITS.

3. We counsel the applicant on the type of membership forhis needs.

4. We counsel the applicant on the appropriate price guidedby his entry age and health condition.

5. We counsel the applicant on the most convenient mode ofpayment

The 5 Simple Steps:The 5 Simple Steps:

Counsel the applicant on how much MaximumSTEP 1STEP 1

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Counsel the applicant on how much MaximumBenefit Limit he will need.

It is the maximum amount to be covered by CARITAS for Medical Expense Benefits & Membership Privileges.Any cost above the prescribed MBL shall be for the

account of the MEMBER.

Maximum Benefit Limit (MBL)Maximum Benefit Limit (MBL)

PAYING PERIODPAYING PERIOD Yearly Maximum CoverageYearly Maximum Coverage

PAID-UP PERIODPAID-UP PERIOD Yearly Maximum CoverageYearly Maximum Coverage

EXPANDED PERIODEXPANDED PERIOD

Expanded Benefit LimitExpanded Benefit Limit

STEP 1.STEP 1.

The MBL for each of the 3 stages of coverage is referredto as follows:

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EXPANDED BENEFIT LIMITEXPANDED BENEFIT LIMIT

One (1) unit = P10,000 IEBL at the start of theExpanded Period of Coverage.

EXPANDED PERIODEXPANDED PERIOD

At the start of the Expanded Period, the MBL is referred toas the Initial Expanded Benefit Limit (IEBL)Initial Expanded Benefit Limit (IEBL)

The IEBL is determined based on the number of units and

plan name:

PRE-COMPUTED INITIAL EXPANDED BENEFIT LIMITPlanName

A+ A B C D E F

No. ofUnits

50 30 20 15 10 7 5

IEBL 500,000 300,000 200,000 150,000 100,000 70,000 50,000

EXPANDED BENEFIT LIMIT

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EXPANDED BENEFIT LIMITEXPANDED BENEFIT LIMITEXPANDED PERIODEXPANDED PERIOD

The Initial Expanded Benefit Limit willincrease by 5% or 8% every year from the startof the Expanded Period of Coverage!

PayingPeriod

Paid-upPeriod

Expanded Period

200,000

SampleSample

computationcomputation

based on 8%.based on 8%.

216,000 233,280 251,942 272,097

11th 12th 13th 14th 15th

7th 8th 9th 10th 11thExpanded 6

Expanded 10

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Counsel the applicant as to when it is best toenjoy or assign his EXPANDED BENEFITS.

STEP 2.STEP 2.

(After 6(After 6

years)years)Expanded – 6Expanded – 6

(After 6(After 6

years)years)Expanded – 6Expanded – 6

(After 10(After 10years)years)

Expanded –Expanded –1010

(After 10(After 10years)years)Expanded –Expanded –

1010

1

2

C l h li h i i bSTEP 2STEP 2

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Program Year

1 2 3 4 5 6PAYING PERIOD PAID-UP

PERIODEXPANDED PERIOD

Expanded – 6Expanded – 6Expanded – 6Expanded – 6

Yearly Maximum Coverage balloons during the FIRSTFIRST

6 YEARS6 YEARS, then further expands during the ExpandedPeriod when Expanded Benefit Limit may already beshared to a Member’s relative within the 2nd degree ofconsanguinity or affinity.

Max PerIllness

DailyRoomRate

Counsel the applicant as to when it is best toenjoy or assign his EXPANDED BENEFITS.

STEP 2.STEP 2.

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Program Year

1 2 3 4 5 6 7 8 9 10

PAYINGPERIOD

PAID-UPPERIOD

EXPANDEDPERIOD

Expanded –10Expanded –10Expanded –10Expanded –10

Similar plans are available for both Expanded-6 and Expanded-10 HealthCare Programs.

Yearly Maximum Coverage balloons during the FIRST 10 YEARSFIRST 10 YEARS,then further expands during the Expanded Period whenExpanded Benefit Limit may already be shared to a Member’srelative within the 2nd degree of consanguinity or affinity.

MaxPer

Illness

DailyRoomRate

Counsel the applicant on the type of

STEP 3STEP 3

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Counsel the applicant on the type ofMembership for his needs.

A comprehensive HealthcareA comprehensive Healthcare

Membership ProgramMembership Program

TYPES OF MEMBERSHIP:Healthcare Program Packages

STEP 3.STEP 3.

A comprehensive HealthcareA comprehensive HealthcareMembership Program perfect withMembership Program perfect withyour CLIC Heart Shield 5your CLIC Heart Shield 5

A comprehensive HealthcareA comprehensive HealthcareMembership Program at a moreMembership Program at a moreaffordable cost.affordable cost.

Counsel the applicant on the appropriate price guided

STEP 4STEP 4

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Counsel the applicant on the appropriate price guidedby his entry age and health condition.

The TotalContract Price(TCP), Premium& Insurability are

based on:1. HealthCareProgram

2. HealthCondition

3. Age

AgeAge

Health StatusHealth Status

PREFERREDPREFERRED(In good health)(In good health)With InsuranceWith Insurance

PRIVILEGEDPRIVILEGED(Not in good health)(Not in good health)No InsuranceNo Insurance

7 to less than 12 No plan available Rated Premium

12 to less than 18 No plan available Standard Premium

18 to less than 50 Standard Premium Standard Premium

50 to 60 Rated Premium Rated Premium

Premium Classification

STEP 4.STEP 4.

Counsel the applicant on the most convenient mode ofSTEP 5STEP 5

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Counsel the applicant on the most convenient mode ofpayment.

Terms and Modes of PaymentModeMode No. of PaymentsNo. of Payments

Spot CashSpot Cash1-time payment with 10%Discount

5-Years5-Yearsto Payto Pay

Annual5 Installments(once a year)

Semi-

annual

10 Installments with modal

charges(every 6 months)

Quarterly20 Installments with modalcharges(every 3 months)

The Total ContractPrice (TCP),Premium &Insurability are

based on:1. HealthCareProgram

2. Health Condition

3. Age

STEP 5.STEP 5.

Applying the 5 Steps, we can arrive at a defined

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1. Plan B, 20 Units, P200,000 IEBL

Sample ProgramSample Program

Applying the 5 Steps, we can arrive at a defined

EXPANDED HEALTHCARE PROGRAM.

Step 1: Counsel the applicant on how much MBL he will need.

Step 2: Counsel the applicant as to when it is best to enjoy orassign his EXPANDED BENEFITS.


2. Expanded-10 or after 10 Years (2023)

Step 3: Direct the applicant on the type of Membership for his

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p 3 pp yp pneeds.

3. GOLD


Step 4: Direct the applicant on the appropriate price guided by hisentry age and health condition.


4. Preferred With Insurance, 18-55 Years Old (410,820 TCP)

Step 5: Direct the applicant on the most convenient mode ofpayment.


5. Quarterly Mode (P23,006.00)

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Major BenefitsMajor Benefits

O P d tO P d t

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An HMO Membership Plan

That enables the Member to build upgradually a FAMILY HEALTH CARE FUND

While enjoying the protection of a

COMPREHENSIVE HEALTH CAREPROGRAM

And a FOUR (4) Way Life InsuranceCoverage

The Caritas Expanded Health Care Program

Our Product…Our Product…

your healthcare membership

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…your healthcare membershipthat goes beyond!

Program Year

1 2 3 4 5 6 7 8 9 10

PAYING PERIOD PAID-UP PERIOD EXPANDED PERIOD

Program Year

1 2 3 4 5 6PAYING PERIOD PAID-UP

PERIODEXPANDED PERIOD

Expanded - 6Expanded - 6

Expanded – 10Expanded – 10

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TYPES OF MEMBERSHIP

Benefits depend on…

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MAJOR BENEFITS

PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD EXPANDED PERIODEXPANDED PERIOD

MBL: YEARLY MAXIMUM COVERAGEWith corresponding Maximum Daily Room Rate

…that increases every year!



MEDICAL EXPENSE BENEFITSMEDICAL EXPENSE BENEFITS

MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGES

FOUR (4) – WAY INSURANCEFor Members aged 18-60 upon entry


MBL: EXPANDED BENEFIT LIMIT…that increases every year!…that may be shared with your

loved ones!

MBL: EXPANDED BENEFIT LIMIT…that increases every year!…that may be shared with your

loved ones!2

3

4

1

5

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A A comprehensive

Healthcare Membership

Program

ENEFIT LIMITENEFIT LIMIT

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ENEFIT LIMITENEFIT LIMIT

PAYINGPAYINGPERIODPERIOD PAID-UPPAID-UPPERIODPERIOD EXPANDED PERIODEXPANDED PERIOD

It is the maximum amount to be covered byCARITAS for health services of the MEMBERsuch as Hospitalization, Emergency Care, and SpecialProcedures and Membership Privileges during the

EXPANDED PERIOD.

1

EXPANDED BENEFIT LIMIT (IEBL)

Should the amount be fully consumed, any and all excesscharges shall be for the account of the MEMBER and theplan shall then be considered terminated.

BENEFIT LIMITBENEFIT LIMIT

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BENEFIT LIMITBENEFIT LIMIT

The Initial Expanded Benefit Limit (IEBL), or any unusedportion of the Expanded Benefit Limit, is guaranteed toincrease by 5% every year.

1

Sample computationSample computation

based on 8%.based on 8%.

…… increasesincreases

every year!every year!

Example: Expanded-10 Plan BExample: Expanded-10 Plan B

P200,000 IEBL

…8% increase if the MEMBER has zero chargeson his MEDICAL EXPENSE BENEFIT during thePaying Period.

Paying

Period

Paid-

upPeriod

Expanded Period (6 or 10)

7 8 9 10 11

11 12 13 14 15

200,000 216,000 233,280 251,942 272,097

PAYINGPAYING PAID-UPPAID-UPEXPANDED PERIODEXPANDED PERIOD

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PERIODPERIOD PERIODPERIOD EXPANDED PERIODEXPANDED PERIOD

IEBL


During the EXPANDED PERIOD OF COVERAGE, theMEMBER shall further be covered for the followingmedical expenses:

Treatment of an illness or injury suffered byrelatives within the 2nd degree

Room rate/classification of his choicePregnancy, childbirth by CS or normal delivery,

miscarriagePre-existing illness or injuryOpen heart surgeryCoronary angiography

Percutaneous transcoronaryAngioplastyPacemaker insertionComplicated hypertensionOrgan transplantHyperalimentation

…… expensesexpenses

charged to thecharged to theMember’sMember’sEXPANDEDEXPANDEDBENEFIT LIMITBENEFIT LIMIT

YEARLY MAXIMUM COVERAGEYEARLY MAXIMUM COVERAGE

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YEARLY MAXIMUM COVERAGE YEARLY MAXIMUM COVERAGEWith corresponding Maximum Daily Room RateWith corresponding Maximum Daily Room Rate


It is the maximum amount of coverage, inclusive of hospitalroom and board, FOR EVERY UNRELATED ILLNESS OR INJURY suffered by the MEMBER within each year with thecorresponding maximum daily room rate.Any amount in excess of the Yearly Maximum Coverage

during the paying period and paid-up period shall be borneby our member.

Should the chosen room made by our member be higherthan the maximum rate, the difference and the incrementalcharges shall be to the account of our member.All excess charges must be settled by our member before

his discharge


2

YEARLY MAXIMUM COVERAGEYEARLY MAXIMUM COVERAGE

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Sample Schedule of MBL PER ILLNESS PER YEARSample Schedule of MBL PER ILLNESS PER YEAR


Yearly Maximum Coverage depends on the number of unitssubscribed.

Expanded -10Expanded -10Plan BPlan BP200,000 IEBLP 410,820 TCPP 23,006 Quarterly

PAYING PERIOD PAID-UP PERIOD EXPANDEDPERIOD

Program Year 1 2 3 4 5 6 7 8 9 10 11

Max Per Illness 80,000 90,000 100,000 110,000 120,000 140,000 150,000 160,000 170,000 180,000 200,000 IEBL

Daily Room Rate 1,600 2,000 2,400 2,800 3,200 4,000 4,400 4,800 5,200 5,600 N/A

2


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MEDICAL EXPENSE BENEFITSMEDICAL EXPENSE BENEFITSPAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD EXPANDED PERIODEXPANDED PERIOD

MEDICAL EXPENSE BENEFIT… charged to MBL

3

HOSPITALIZATION BENEFITSHOSPITALIZATION BENEFITSRoom & board

Services of an accredited physician or specialistLab tests, x-ray & other indicated diagnosticsUse of operating & recovery room, ICU, dialysis &

chemotherapy equipment

Administration of anesthesia and/or oxygenTransfusion of hospital-provided whole blood or plasma Medical suppliesPrescribed drugs/medication while under confinement

MEDICAL EXPENSE BENEFITSMEDICAL EXPENSE BENEFITS3

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EMERGENCY CAREEMERGENCY CAREActual cost in accredited hospital

If in a non-accredited hospital, reimbursement of 80% ofcost based on CARITAS standard rates

Ambulance service from non-accredited to anaccredited hospital if transfer is authorized by anaccredited physician and cleared by his attendingphysicianNotify CARITAS within 24 hours

EMERGENCYEMERGENCY:: The member is in severe pain or imminentdanger of death or disability due to an accidental injury or a

sudden & unexpected onset of illness.


MEDICAL EXPENSE BENEFIT

… charged to MBL


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SPECIAL DIAGNOSTIC & LABORATORY SPECIAL DIAGNOSTIC & LABORATORY

PROCEDURESPROCEDURES

X-ray, Ultrasound, 2D Echo with Doppler

MRI, CT Scan, EMG, Nuclear TestBasic mammography

Treadmill Stress Test



… charged to MBL

3


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Out-Patient Services12 Consultations per year

10 pre/post natal consultations per pregnancy

Treatment of minor injury or illness

Minor surgery

EENT Treatment


MEMBERSHIP PRIVILEGES …free!

…charged to the MEMBER’s EXPANDED BENEFITLIMIT during the Expanded Period of Coverage.


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Annual Physical Examination(after at least 6 months from date of effectivity))

Taking of medical historyMedical examination

Chest X-ray (PA)

Complete blood count

Fasting blood sugarUrine & stool examination

ECG & Pap smear

(For 35 years old & above)…charged to the MEMBER’s EXPANDED BENEFITLIMIT durin the Ex anded Period of Covera e.

MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGESPAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD EXPANDED PERIODEXPANDED PERIOD



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Preventive Health CarePeriodic monitoring of health problems

Consultation on diet, exercise, & other healthfulhabits

Counseling on family planning

Immunization, excluding cost of drugs/vaccineEnrollment on Company-sponsored health

seminars

…charged to the MEMBER’s EXPANDED BENEFITLIMIT durin the Ex anded Period of Covera e.




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Dental Care4 Consultations per year

Annual oral prophylaxis (after at least 3 monthsof effectivity)

Tooth extraction, excluding surgery for

impaction

Temporary filling or re-cementationTreatment of oral pain, lesions, wound, and

burns…charged to the MEMBER’s EXPANDED BENEFITLIMIT durin the Ex anded Period of Covera e.




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Other Services

24-hour telephone (HOTLINE) assistanceDiscounts on non-covered services at selected

hospitals, clinics, laboratories, drugstores, or opticalshops

4 consultations per year for 1 pre-designateddependent as qualified under the SSS Law (RA 8282)




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SAMPLESAMPLEPROPOSALPROPOSALFORMFORM(Individual)(Individual)

CARITASEXPANDED

PLAN BENEFIT COMPARISON

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HEALTHCAREPROGRAM PLAN BENEFIT COMPARISON

Expanded – 10Expanded – 10Plan BPlan BP200,000 IEBLP200,000 IEBL

Contract Price P 410,820

Quarterly P 23,006

Yearly Maximum

Coverage Per iIlness

1st Year Maximum

Coverage 80,000

P 307,980

P 17,247

Per year

80,000


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a. Hospitalization

Medical

Expense

Benefits

c. Special

Diagnostic &Laboratory

Procedures

b. Emergency Care

a. Hospitalization

b. Emergency Carec. Special


Procedures

In CARITAS-designated

diagnostic centers


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Membership

Privileges

a. Out-Patientb. Annual Physical

Examination

c. Preventive HealthCared. Dental Caree. Other Services


Examination

c. Preventive HealthCared. Dental Care

e. Other Services

In CARITAS-designated

diagnostic centers

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A comprehensive Healthcare

Membership Program at a

more affordable cost.


2

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Sample Schedule of MBL PER YEARSample Schedule of MBL PER YEAR

With corresponding Maximum Daily Room RateWith corresponding Maximum Daily Room Rate



Expanded - 10Expanded - 10Plan BPlan BP200,000 IEBL

PAYING PERIOD PAID-UP PERIOD EXPANDEDPERIOD

Program Year 1 2 3 4 5 6 7 8 9 10 11

Max Coverage 80,000 90,000 100,000 110,000 120,000 140,000 150,000 160,000 170,000 180,000 200,000 IEBL

Daily Room Rate 1,600 2,000 2,400 2,800 3,200 4,000 4,400 4,800 5,200 5,600 N/A

It is the maximum amount of coverage, inclusive of hospital room and board, FOR ALLMEDICAL EXPENSE BENEFITS FOR ILLNESSES OR INJURIES suffered by the MEMBER within each year with the corresponding maximum daily room rate. Any amount in excess of the Yearly Maximum Coverage and the during the paying

period and paid-up period shall be borne by our member.

Should the chosen room made by our member be higher than the maximum rate, thedifference and the incremental charges shall be to the account of our member. All excess charges must be settled by our member before his discharge

Yearly Maximum Coverage depends on the number of units subscribed.


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… charged to MBL

3






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Ambulance service from non-accredited to anaccredited hospital if transfer is authorized by anaccredited physician and cleared by his attendingphysicianNotify CARITAS within 24 hours

EMERGENCYEMERGENCY:: The member is in severe pain or imminentdanger of death or disability due to an accidental injury or a sudden & unexpected onset of illness.



… charged to MBL


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SPECIAL DIAGNOSTIC & LABORATORY SPECIAL DIAGNOSTIC & LABORATORY

PROCEDURESPROCEDURES






… charged to MBL


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Out-Patient Services

12 Consultations per year

10 pre/post natal consultations per pregnancy

Treatment of minor injury or illness

Minor surgeryEENT Treatment





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Taking of medical historyMedical examination

Chest X-ray (PA)


Fasting blood sugarUrine & stool examination

ECG & Pap smear

(For 35 years old & above)…charged to the MEMBER’s EXPANDED BENEFIT

LIMIT during the Expanded Period of Coverage.


MEMBERSHIP PRIVILEGES

…

free!


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seminars




…

free!


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Annual oral prophylaxis (after at least 3 monthsof effectivity)


impaction

Temporary filling or re-cementation

Treatment of oral pain, lesions, wound, and

burns…charged to the MEMBER’s EXPANDED BENEFITLIMIT durin the Ex anded Period of Covera e.



…

free!


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Other Services

24-hour telephone (HOTLINE) assistance

Discounts on non-covered services at selectedhospitals, clinics, laboratories, drugstores, oroptical shops

4 consultations per year for 1 pre-designateddependent as qualified under the SSS Law (RA8282)



MEMBERSHIP PRIVILEGES …

free!

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SAMPLESAMPLEPROPOSALPROPOSALFORMFORM(Individual)(Individual)

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InsuranceInsurance

The 4 Way Insurance

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The 4-Way Insurance


TERM LIFE INSURANCETERM LIFE INSURANCE

ACCIDENTAL DEATH BENEFITACCIDENTAL DEATH BENEFIT

CREDIT LIFEINSURANCE

CREDIT LIFEINSURANCE

WAIVER OFINSTALLMENTS DUE

TO DISABILITY

WAIVER OFINSTALLMENTS DUETO DISABILITY

4 For PREFERRED Membership only.

18 – 60 years old at the time of application In good health

All claims shall be subject to one (1) yearcontestability period from date of effectivity orreinstatement.


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PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD EXPANDEDEXPANDEDPERIODPERIOD

TERM LIFE INSURANCE

In case of MEMBER`s death before his/her 70 th birthday, the Beneficiary shallreceive an AMOUNT EQUAL TO THE INITIAL EXPANDED BENEFIT LIMIT (IEBL).

A. Plan B, 20 Units, P200,000 IEBL

B. Expanded-10C. GOLD

D. Quarterly Mode - PREFERRED


ACCIDENTAL DEATH BENEFITACCIDENTAL DEATH BENEFIT

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ACCIDENTAL DEATH BENEFIT ACCIDENTAL DEATH BENEFIT

PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIODEXPANDEDEXPANDED

PERIODPERIOD

In case MEMBER dies of injury caused by an accident, the Beneficiary receivesan ADDITIONAL AMOUNT EQUAL TO THE IEBL, where death occurs:

Within 180 days from such accident

Prior to MEMBER’s 65

th

birthday

Accidental Death Benefit

A. Plan B, 20 Units, P200,000 IEBL

B. Expanded-10C. GOLD

D. Quarterly Mode - PREFERRED


P200,000 – TLI

+ P200,000 – ADB

P400,000

Doublethe IEBL

Doublethe IEBL

CREDIT LIFE INSURANCECREDIT LIFE INSURANCE

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CREDIT LIFE INSURANCECREDIT LIFE INSURANCE

PAYING PERIODPAYING PERIOD

PAID-UP PERIODPAID-UP PERIOD

EXPANDEDEXPANDED

PERIODPERIOD

CREDIT LIFE INSURANCE

In case the MEMBER dies during the Paying Period and before his/her 70 th birthday, the plan will be rendered FULLY PAID.

PAYING PERIODPAYING PERIOD1 2 3 4 5

The member dies onthe second year FULLY PAID !

SampleSample

WAIVER OF INSTALLMENTSWAIVER OF INSTALLMENTSDUE TO DISABILITYDUE TO DISABILITY

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DUE TO DISABILITY DUE TO DISABILITY

PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD

EXPANDEDEXPANDED

PERIODPERIOD

In case the MEMBER becomes totally disabled during the Paying Period andprior to his 60th birthday, ALL INSTALLMENTS BECOMING DUE WILL BEWAIVED, where such disability continues for at least 6 months.

DISABILITY BENEFIT

Pending approval of the claim, installments must be paid asthey become due, subject to refund upon approval.

PAYING PERIODPAYING PERIOD1 2 3 4 5

The member is totallydisabled on the second year WAIVED !

SampleSample

MEMBER’S EXTENDED SHIELD

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MEMBER S EXTENDED SHIELD


In case MEMBER dies during thePaying Period or Paid-up Period:

THE PRINCIPAL BENEFICIARYTHE PRINCIPAL BENEFICIARYSHALL BE SUBSTITUTED ASSHALL BE SUBSTITUTED ASNEW MEMBERNEW MEMBER. The healthcarebenefits shall be transferredaccordingly.

Medical Expense Benefits,

subject to the MBLMembership Privileges

Subject to the plan provisionson Pre-existing Condition

No Insurance Benefit

In case MEMBER dies duringthe Expanded Period of

Coverage:The healthcare plan is

deemed terminated

The MEMBER’s Beneficiaryshall be entitled to 70% of

the available ExpandedBenefit Limit.

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A Comprehensive Healthcare A Comprehensive HealthcareMembership Program perfectMembership Program perfect

with your CLIC Heart Shield 5 with your CLIC Heart Shield 5

CARITASEXPANDEDHEALTHCARE PLAN BENEFIT COMPARISON

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HEALTHCAREPROGRAM


Expanded – 10Expanded – 10Plan BPlan BP200,000 IEBLP200,000 IEBL

Contract Price P 410,820

Quarterly P 23,006

Yearly MaximumCoverage Per iIlnessPer year

1st Year Maximum

Coverage

80,000160,000

P 154,340

P 8,644


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In CARITAS-designateddiagnostic centers

a. Hospitalization

Medical

Expense

Benefits

c. Special


Procedures

b. Emergency Care

a. Hospitalization

b. Emergency Carec. Special


Procedures


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Membership

Privileges


Examination

c. Preventive HealthCare

d. Dental Caree. Other Services


Examination

c. Preventive HealthCared. Dental Care

e. Other Services

In CARITAS-designateddiagnostic centers

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MBL:


…that increases every year!…that may be shared with your

loved ones!

MBL:



…that may be shared with your

loved ones!




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… charged to MBL






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Ambulance service from non-accredited to anaccredited hospital if transfer is authorized by anaccredited physician and cleared by his attending

physicianNotify CARITAS within 24 hours

EMERGENCYEMERGENCY:: The member is in severe pain or imminentdanger of death or disability due to an accidental injury or a

sudden & unexpected onset of illness.




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SPECIAL DIAGNOSTIC & LABORATORY SPECIAL DIAGNOSTIC & LABORATORY PROCEDURESPROCEDURES







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10 pre/post natal consultations per pregnancyTreatment of minor injury or illness

Minor surgery

EENT Treatment




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Taking of medical history

Medical examination

Chest X-ray (PA)


Fasting blood sugar

Urine & stool examination

ECG & Pap smear

(For 35 years old & above)




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seminars




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Annual oral prophylaxis (after at least 3 months

of effectivity)


impaction

Temporary filling or re-cementationTreatment of oral pain, lesions, wound, and

burns




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Other Services






AVAILMENT OF BENEFITS

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MEMBER choosesMEMBER chooses the health serviceprovider from among those CARITAS-accredited:HospitalsMedical / Dental ClinicsLaboratories / Diagnostic CentersPhysiciansSpecialistsDentists

CARITAS designatesCARITAS designates the health serviceprovider from among those accredited: Clinics Diagnostic Centers

Unless an emergency exists, the memberUnless an emergency exists, the member mustmustgive timely notice togive timely notice to, and secure a Letter of, and secure a Letter ofAuthorization from, CARITAS before anyAuthorization from, CARITAS before anyconfinement, treatment or consultation.confinement, treatment or consultation.


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1. The MEMBER need not worry about paying the health service

provider.2. Should advance payments be made by the MEMBER, with

approval from Caritas, the same shall be reimbursed uponpresentation of documents within 30 days from date ofpayment.

3. Non-Liability for unauthorized Health Servicesa. After discharge has been authorizedb. Refusal to follow the recommended procedurec. If no professionally-accepted treatment still exists.

4. PhilHealth benefits provided for shall be deductible in the

computation of the cost of health services. It shall be theobligation of the MEMBER to pay for the PhilHealth benefitsshould he be unable to comply with Philhealth benefit claimrequirements.

5. Our company shall be subrogated to the member’s rights or

claims against 3rd parties

PRE-EXISTING ILLNESS OR INJURY

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S G SS O U

An illness or injury is pre-existing if before the effectivity date

of the agreement: It has been diagnosed as such.

It has manifested certain signs and symptoms.

Its pathogenesis is clinically determined to have alreadystarted.

IFIFDISCLOSEDDISCLOSED

Membership may still be accepted, but CARITAS maychoose to: Provide coverage for said illness after the 1st year,

or Provide coverage for said illness after the 2nd year if

it would need a major surgery, or Impose a waiver of coverage for said illness/injury

until the start of the Expanded Period.

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IF NOTIF NOTDISCLOSEDDISCLOSED

CARITAS may declare the contract nulland void, forfeit all payments made bythe MEMBER, and/or seek a refund of all

expense it may have incurred.

EXCLUSIONS FROM HEALTHCARE COVERAGE

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1. Self-inflicted or induced injury or illness, or if arising out ofattempted suicide, commission of crime, violation of law, or dueto unnecessary hazardous activities

2. Drug or alcohol related abuse or dependency

3. Cosmetic treatment and/or surgery and other forms of surgeryfor beautification, and procurement of eyeglasses, braces,hearing aids, prosthetic appliances and the like

4. Home and/or rehabilitation services, convalescent orrecuperative care, and take-home medicine or medical supplies

5. Pregnancy-related medical care, child birth, miscarriage,abortion, sex transformation, artificial insemination, treatmentof infertility or sex sterilization (Child birth and miscarriagecovered during the Expanded Period of Coverage.)

6 AIDS AIDS l d d ll i d di

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6. AIDS, AIDS-related and sexually-transmitted diseases

7. P.E. for insurance, employment, and the like, and other medicalservices not incident to the treatment of an illness or injury,including medico-legal fees.

8. Psychotherapy, counseling, and treatment of mental orpsychiatric disorders or psychosomatic illnesses.

9. Open heart surgery, coronary angiography, percutaneoustranscoronary angioplasty, pacemaker insertion, complicatedhypertension, organ transplant or hyperalimentation, until theExpanded Period of Coverage.

10. For EXPANDED GOLD & PREMIER PROGRAMS:

New modalities of diagnostic procedures and treatment,unless deemed appropriate by, and upon prior approval of,CARITAS.

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Additional AdditionalFeaturesFeatures

PROGRAM FLEXIBILITY

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PAYINGPAYING

PERIODPERIOD

PAID-UPPAID-UP

PERIODPERIOD

EXPANDEDEXPANDED

PERIODPERIOD

ASSIGNMENT OF HEALTHCARE ASSIGNMENT OF HEALTHCAREBENEFITS FEATUREBENEFITS FEATURE

CHOICE OF ROOM FEATURECHOICE OF ROOM FEATURE

PLAN TERMINATION FEATUREPLAN TERMINATION FEATURE

PLAN TRANSFERABILITY FEATUREPLAN TRANSFERABILITY FEATURE

Applies also to COMBI Grande Applies also to COMBI Grande

TERMINATION VALUES

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TERMINATION VALUES

PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD(or prior to Expanded Period)(or prior to Expanded Period)

EXPANDEDEXPANDEDPERIODPERIOD

PAYMENTS ONPAYMENTS ONCONTRACT PRICECONTRACT PRICE

(PoCP)(PoCP)

TERMINATONTERMINATONVALUEVALUE

Less than 20% None

20% but less than 40% 10% of PoCP



80% but less than100%

40% of PoCP

50% ofContract Price

70% ofavailable

ExpandedBenefit

Limit

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PAYMENTS

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1. Should the last day of the Grace Period fall on a non-working day,payment must be made on or before the working day preceding it.

2. If the Due Date is the 30th of the month, and the next month’s last

day is 31, the last day of the Grace Period is the 30th

.

3. If the Due Date is the 30th of the month, and the next month’s lastday is 28, the last day of the Grace Period is the 28th.

4. If Due Date is the 31st of the month and the next month’s last dayis 28 or 30, the last day of the Grace Period is the last day of thatsucceeding month.

LAPSATION

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The Grace Period is a grace FOR THE PAYMENT, NOT FOR AVAILMENT.

Availment prior to payment of installment due will not be covered.

Grace Period

Payments made during the Grace Period is not subject to surcharge. Thereinstatement provision will not be imposed on the MEMBER.

The Grace Period is a grace so that the 1-year Contestability Period &Pre-existing clause will NOT REVERT to count zero.

REINSTATEMENT

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If installment amount

due remains unpaid beyond the GracePeriod of 1 month

Terminated AgreementTerminated Agreement Agreement is without force or effect. MEMBER loses all rights and privileges except the

right to reinstate

Reinstatement reactivates a Terminated Membership (due to non-

payment)

Requirements:A. Submission of an Application for Reinstatement, surrender of the

lapsed agreement and payment of the reinstatement fee.

B. Choose from the two (2) options:Payment of all unpaid installments plus the surcharge of 1.5% per

month from the due date of each unpaid installment.(updating)

Payment of one (1) installment (re-dating)

CANCELLATION

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If installment amountdue remains unpaid after 2 years

Cancelled MembershipCancelled Membership All payments made are forfeited

CANCELLATION

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Availment AvailmentProceduresProcedures

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1. Have the Membership

Number ready.

2. Secure a prescription

from an accredited

doctor, specialist or

dentist.

3. Determine what medical

service will be availed of.

SECURE THE L.O.A

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Metro Manila Inquiry & Availment

OFFICE HOURS / AFTER OFFICEWEEKENDS / HOLIDAYS

CALL THE 24-HOUR HOTLINE NUMBERS :

(02) 711-2411 0917-8733882 0922-8978635

Provincial Inquiry & Availment

OFFICE HOURS

CALL YOUR LOCAL BRANCH OPERATIONS ASSISTANT

CALL YOUR LOCAL BRANCH MANAGERCALL THE 24-HOUR HOTLINE NUMBERS :

0917-8733882 0922-8978635 (02) 711-2411

AFTER OFFICE / WEEKENDS / HOLIDAYS

CALL THE 24-HOUR HOTLINE NUMBERS :

0917-8733882 0922-8978635 (02) 711-2411

CALL or TEXT

• VISIT the nearest

C O

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Caritas Office or

Clinica Caritas Branch

•Email or Fax

CARITAS MEMBER RELATIONSOFFICE HOURS / AFTER OFFICE

WEEKENDS / HOLIDAYS

Fax: (02) 711-2411Email: [email protected] [email protected] [email protected]

In case of an emergency,In case of an emergency,

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g y,g ythe MEMBER or Member'sthe MEMBER or Member's

representative shouldrepresentative shouldnotify Caritas within 24notify Caritas within 24hours from the start of thehours from the start of the

emergency.emergency.It is best to orient theIt is best to orient the

members of themembers of the

MEMBER’S household onMEMBER’S household on what must be done in the what must be done in theevent of an emergency.event of an emergency.

5-POINT REMINDER5-POINT REMINDERBefore AvailmentBefore Availment

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1.The NOTICE FOR AVAILMENT is timely and

the LETTER OF AUTHORIZATION has beenduly secured from CARITAS before anyavailment, unless in case of an emergency.

5.Healthcare service must be sought from an

ACCREDITED PROVIDER

2. Membership must be in ACTIVE STATUS.

3.No Failure to disclose a known pre-existingillness or injury in the MAF.

4.Except for the free consultation on Gold,Premier, Core or Core Duo Membership, theILLNESS OR INJURY SHOULD NOT BE PRE-EXISTING while on the 1st year of theprogram or within a year fromreinstatement/transfer.

6 Common Non-Covered6 Common Non-CoveredSituationsSituations

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1.NO Letter of Authorization (LOA)

6.MAJOR SURGERY for Pre-existingillness covered only on the 3rd year.

2.NON NOTIFICATION to Caritas within 24 hours of the confinementin case of emergency. (Art III, par

2b of MAF)3.LAPSED AND TERMINATED

POLICIES

4.EXCLUSIONS5.PRE-EXISTING ILLNESS OR INJURY

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COMPENSATIONCOMPENSATIONPACKAGEPACKAGE

BP…BP… BBreathtaking PPackage

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BASIC COMMISSION (BC) SCHEDULE on the first newbusiness sold

Mode ofMode ofPaymentPayment

BasicBasicCommissionCommission

With Automatic Retention of the

Net Commission

Upon reaching a Total Contract Price (TCP)

of P100,000, BASIC COMMISSION on the First

Year Payments becomes fixed at 50%

ANNUAL 50 %

SEMI-ANNUAL 47.5 %QUARTERLY 45 %

Step 1Step 1S l C iS

l C t ti

mailto:[email protected]




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Step 1Step 1Sample ComputationSa mple Computation

A. Plan B, 20 Units, P200,000IEBLB. Expanded-10C. GOLD - PREFERREDD. Semi-annual ModeE. TCP : P410,820F. Installment : P 44,369

GROSS BASIC COMMISSION

= Annual installment amount X 50 %No. of installments in a year

= 82,164 X 50 %2

= P20,541

Step 2Step 2

NET BASIC COMMISSIONGross Basic Commission P 20,541

Less: 10% Withholding Tax P 2,054.10Less: 5 % Bond Reserve P 1,027.05

NET BASIC COMMISSION P 17,459.85


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Renewal & Collecting Commissions

2nd -Year Payments 10%

3rd-5th Year Payments 2%

Step 1Step 1S l C t tiS

l C t ti

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GROSS RENEWAL COMMISSION

= Annual installment amount X 10 %No. of installments in a year

= 82,164 X 10 %2

= P4,108.20

Step 2Step 2

NET RENEWAL COMMISSIONGross Renewal Commission P 4,108.20

Less: 10% Withholding Tax P 410.82Less: 5 % Bond Reserve P 205.41

NET RENEWALCOMMISSION

P 3,491.97

Step 1Step 1S l C t tiS

l C t ti

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GROSS COLLECTING COMMISSION

= Annual installment amount X 2%No. of installments in a year

= 82,164 X 2 %2

= P821.64

Step 2Step 2

NET COLLECTING COMMISSIONGross Collecting Commission P 821.64


NET COLLECTINGCOMMISSION

P 698.394

Your TOTAL Earnings

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g

for One Plan only…

Basic Commission

(1st Year)

34,919.70

Renewal Commission

(2nd Year)6,983.94

Collecting Commission(3rd-5th Year)

4,190.364

TOTAL 46,094.00

Monthly Grand Slam BonanzaMonthly Grand Slam Bonanza

1st to 10th 11th to 20th 21st to month-end

121st to month-end

7/22/2019 CHAMPP Part 1 20130104 New


ICE-BREAKERICE-BREAKER

1st plan P3002nd plan P2003rd plan P200and every succeeding

plan P200

…up to a maximum ofP3,500.00P3,500.00

Grand Slam PrizeGrand Slam Prize

Qualify to the Ice Breaker, Hi-Roller, and Finisher in any given month with a TCP of P600,000 to further receive an additional Grand Slam Prize of

P1,500.00P1,500.00Grand Slam BonusGrand Slam Bonus

Qualify to the Grand Slam Prize for 3 consecutive monthsand receive the Grand Slam Bonus of P3,000.00P3,000.00

2

3

Total ICBI of P5,000Get an additional P500.00P500.00!

Plus:P250 for every newadditional business

…up to a maximum of

P4,500.00P4,500.00

TCP of P175,000Get an additional

P700.00P700.00

HI-ROLLERHI-ROLLER FINISHERFINISHER

…. that’s an additionalP8,700.00P8,700.00

waiting for you!!!

BP…BP… BBig PPlus

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BP…BP… BBig PPlus

RECRUIT A FELLOW HEALTH COUNSELOR!!!RECRUIT A FELLOW HEALTH COUNSELOR!!!… and based on the the ICBI production(exclusive of policy fees), you get 8% ORC!!! onyour recruit’s new business/es submitted while he

remains a bonafide CHSI Health Counselor.

Year-RoundHEAD HUNTER’S DRIVEHEAD HUNTER’S DRIVE

Step 1Step 1Sample ComputationSa

mple Computation

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GROSS HEADHUNTER’S REWARD

= Annual installment amount X 8%No. of installments in a year

= 82,164 X 8 %2

= P3,286.56

Step 2Step 2

NET HEADHUNTER’S REWARDGross Headhunter Reward P 3,286.56


NET HEADHUNTER’SREWARDS

P 2,793.576

BP…BP… BBursting with PPrizes

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Enjoy and earn from the many promos andgimmicks that complement our other incentiveschemes…

All Year-RoundSEASONAL DRIVESSEASONAL DRIVES


ANNUAL CONVENTIONANNUAL CONVENTION

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ANNUAL CONVENTION ANNUAL CONVENTION

QualificationQualificationFirst 6 MonthsFirst 6 Months

TCPTCP ICBIICBI

SQD 4,950,000 495,000

DQD 8,910,000 891,000

SQDB 9,900,000 990,000

QualificationQualification12 Months12 Months

TCPTCP ICBIICBI

SQD 6,600,000 660,000

DQD 11,880,000 1,188,000

SQDB 13,200,000 1,320,000

Drive Period: April 1, 2012 to

April 1, 2013

Invites you to the

18th Sales Convention

in

i

Davao City

andBali,

Indonesia

Upon licensing, you are automatically covered for a period of one

BP…BP… BBuilt-in PPrivileges FREE COVERAGEFREE COVERAGE

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Upon licensing, you are automatically covered for a period of oneyear from date of licensing with:

FREE Out –patient ServicesFree 12 consultations per year.Free 10 pre/post natal consultations per year.Free treatment of minor injury or illness.Free treatment of eye, ear, nose and throat.

FREE Preventive Health CareFree periodic monitoring of health problems.Free consultation on diet, exercise and other healthful habits.Free counseling on family planning.

Free immunization, excluding cost of drugs or vaccine.Free enrollment in company-sponsored health seminars.FREE Other ServicesDiscounts on non-covered health services at selected hospitals,

clinics, laboratories, drugstores or optical shops.

BP…BP… BBuilt-in PPrivileges

Upon hitting a Total Contract Price (TCP) of P300 000 in CHSI

FREE COVERAGEFREE COVERAGE

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Upon hitting a Total Contract Price (TCP) of P300,000 in CHSIprograms within 3 months from licensing, you will further enjoy the

following benefits:FREE Annual Physical ExaminationTaking of medical historyMedical examinationChest x-ray

Complete blood countFasting blood sugarUrine and stool examElectrocardiogramPap smear

FREE Dental CareAnnual oral prophylaxisTooth extractionTemporary Filling or re-cementationTreatment of oral pain lesions, wounds & burns

7/22/2019 CHAMPP Part 1 20130104 New


Ano ang

HALAGA

sa atin ng

BUHAY?

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HABANG TAYO AY MAY HININGA

LAHAT AY GAGAWIN

MAKAPAGHANDOG LAMANG

NG BUHAY

NA MAUNLAD… MATIWASAY…

MALIGAYA…

SA ATING MGA MINAMAHAL

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SA PAGPAPATULOY NG ATING BUHAY …

MARAMI ANG NAKAATANG NA

PANG ARAW-ARAW NA PANGANGAILANGAN:

TAHANAN, DAMIT, PAGKAIN, PAG-AARAL…

HIGIT SA LAHAT

GABAY AT PAGMAMAHAL

SA BINUONG PAMILYA

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7/22/2019 CHAMPP Part 1 20130104 New


HABANG TAYO’Y NABUBUHAY

PAMILYA’Y MAITATAGUYOD

SUBALIT SA ATING PAGLISAN

SINO PA ANG KANILANG

AASAHAN?

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NGUNI’T MANGARAP MAN TAYONG

HUMABA AT TUMAGAL ANG BUHAY

ITO’Y NAKASALALAY PA RINSA ITINAKDA NG MAYKAPAL

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MAYROON KA KAYANG MAGAGAWAKAPAG NAGANAP NA ANG

HINDI MO MAIIWASANG PAGPANAW?

KANINO SILA LALAPITSA PAGKAWALA MO AT

SA PANAHON NG KANILANG KAGIPITAN?

PAANO MAGPAPATULOY

ANG BUHAY NG IYONG MGA MINAMAHAL ?

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7/22/2019 CHAMPP Part 1 20130104 New


Inyong Maasahan…

ARITAS IFE

NSURANCE ORPORATIONI

CARITAS LIFE nagaalay. …

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HEAR

TSH

IEL

D

amondukasyon

unong/dumami

ipon

dukadong

Pon / mpok

aba ng panahon

apat na hulog / SUSI

anging gastusin / TATAG

etiro

mbisyon

CARITAS LIFE nagaalay …

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H

ABA

NG

BUHA

Y

araya

mbisyon

aman

yon sa hangad na

ango sa hanapbuhay

gnay upang umunlad

ukod ng bahagi

astosatatanging

dhikain

uhay

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HEART SHIELD 5PROTECTING YOU

FOR LIFE

ARITAS IFE

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HEART SHIELD 5IPAGSASANGGALANG

KAYO HABANG BUHAY

ARITAS IFE

WHO CAN BE INSURED?

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WHEN DOES THE

COVERAGE TAKEEFFECT?

HOW MUCH LIFEINSURANCE DOES ONE

NEED TO PURCHASE?

HOW CAN I COUNSEL MY

PROSPECT IN DECIDING WHICH

PLAN IS BEST FOR HIM?WILL THE PREMIUM BE

FIXED FOR ALL AGES?

Can C.L.I.C.di t d t

7/22/2019 CHAMPP Part 1 20130104 New


Open to those 31 days - 65 years old

With 7 Plan Packages to choose from!

And a Payment Period of ONLY 5 years!

Plan Type:

Non-participating

direct and guarantee

a life that is HEARTY ?

Unless the POLICYOWNER is somebody else other than the

POLICYOWNER / INSURED

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Unless the POLICYOWNER is somebody else other than the

PAYOR or OWNER

A minor cannot

purchase a CLICwithout an

accompanying adult

who qualifies as a

guardian/ owner.

A person who is 18 years

old and above can

purchase for himself and

on someone else’s CLIC.

Foreigners or aliens can

be accepted as

POLICYOWNERs of CLIC by submitting

their Alien’s Certificate

of Registration or ACR I

card

HEARTY LIFECARITAS LIFE

2 CLICs to guide

a prospect to a

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A. We guide the POLICYOWNER on the amount he

will provide for his beneficiaries in the event of

his death.

B. We guide the POLICYOWNER on the mode of

payment guided by his entry age upon

application

A. We guide the POLICYOWNER on the amount he will provide

for his beneficiaries in the event of his death.

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HEART SHIELD 5

The POLICYOWNER has 7 plan packages to choose

from!

Plan

A+

A

B

C

D

E

F

SUM ASSURED

2,500,000

1,500,000

1,000,000

750,000

500,000

350,000

250,000

B. We guide the POLICYOWNER on the mode of payment guidedby his entry age upon application:

Semi-Annual Quarterly

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twice

a year

y

every

3 months

Plan A+ A B C D E F

Units 50 30 20 15 10 7 5

SumInsured

2,500,000 1,500,000 1,000,000 750,000 500,000 350,000 250,000

Issue age

18 36,396.00 21,945.60 14,720.40 16,530.75 11,110.50 7,858.35 5,690.25

20 37,152.00 22,399.20 15,022.80 16,729.20 11,242.80 7,950.96 5,756.4030 46,804.50 28,190.70 18,883.80 18,717.75 12,568.50 8,878.95 6,419.25

40 66,136.50 39,789.90 26,616.60 23,650.65 15,857.10 11,180.97 8,063.55

50 96,309.00 57,893.40 38,685.60 32,232.60 21,578.40 15,185.88 10,924.20

60 142,843.50 85,814.10 57,299.40 45,549.00 30,456.00 21,400.20 15,363.00

HEART SHIELD 5 + SAR*

Semi-Annual Premium Rates per Plan

MAJOR BENEFITS

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Continuous incom

e

C l e a n

u p F u n

d s

P A I D

D E B

T S

F u n d i n

g f o r

e d u c

a t i o n

F U L F I L

L E D D R E A M

S

Property protection

Lif e income f or the

Widow

HEART SHIELD

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• Issue Ages

• Protection Period

• Premium PayingPeriod

• Minimum Face

Amount

• Banded Premium

Rates

31 days – 65 years

Up to age 99

5 yrs.

PHP 250,000

PHP 200k to less than1M

PHP 1M and over

HEART SHIELD – HABANG BUHAYSample Policy

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ProtectionPeriod

NAME AGE SEX BIRTHDATE

ERNESTO DELA CRUZ 40 MALE MAY 30, 1972

BASIC PLAN

RIDER (S)

SUM INSURED PREMIUM

HEART SHIELD 5

SAR

1,000,000

1,000,000

45,400

3,890

EOY 1 2 3 4 5 6 7 8 9 10 20 30 40 50 99

AGE 41 42 43 44 45 46 47 48 49 50 60 70 80 90 99

Paying Period

Guaranteed Cash Value

GUARANTEED CASH VALUE

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End of Year Attained

AgeAnnual

Premium

Guaranteed Cash Value

MaturityBenefit

GuaranteedLiving

Benefit

GuaranteedDeath

BenefitBasic Plan Rider

1 41

2 42

3 43

4 44

5 45

6 46

7 47

8 48

9 49

10 50

15 55

20 60

30 70

40 80

50 90

59 99

49,290

49,290

49,290

49,290

49,290

0

22,000

95,000

150,000

218,000

259,000

228,000

238,000

248,000

270,000

330,000

398,000

550,000

699,000

815,000

0

1,000

2,000

4,000

5,000

4,000

5,000

5,000

5,000

4,000

4,000

2,000

23,000

97,000

154,000

223,000

263,000

233,000

243,000

253,000

274,000

334,000

400,000

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

1,000,000

1,000,000

1,000,000

1,000,000

1,000,000

1,000,000

1,000,000

1,000,000

1,000,000

1,000,000

1,000,000

1,000,000

1,000,000

1,000,000

1,000,000

1,000,000

550,000

699,000

815,000

1,000,000

000

If th POLICYOWNER ld t ti i d id t

FORFEITURE OPTIONFrom the 2nd Policy Anniversary Year and onwards N

O N

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If the POLICYOWNER could not continue paying or decides to

surrender his policy...

EXTENDED TERM INSURANCE

His Cash Value may purchase an extended term

coverage that will fund the premium for a shorter period

and his amount of insurance will remain the same.

PAID UP INSURANCE

His Cash Value will convert his policy to a reduced

amount of Insurance for the remaining duration of the

policy (up to Age 99).

NET SURRENDER VALUES

He may surrender the policy and will receive the

corresponding accumulated Cash Value.

FORFEITURE OPTIONFrom the 2nd Policy Anniversary Year and onwards N

O N

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POLICY LOANS

At any time after a Cash Value is available, the

Policyowner with the consent of the irrevocableBeneficiary/ies, if any, may secure a loan, in an

amount not exceeding the Cash Value. When the total

indebtedness including unpaid interest exceed the CV,

the policy automatically terminates.

PREMIUM LOAN

His Cash Value will pay for any premium due remaining

unpaid at the end of its Grace Period as a Policy Loan.

Thus he need not worry about his financial obligationsto CLIC.

If the POLICYOWNER could not continue paying or decides to

surrender his policy...

Are persons designated to receive the proceeds of the Policy

BENEFICIARIES

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– Policyowner designates Beneficiary as

co-owner of the policy

– Policyowner needs consent of allirrevocable beneficiaries to exercisereserved rights of the policy.

Are persons designated to receive the proceeds of the Policy

upon the death of the Insured, and classified: According to Rights

• Revocable – Policyowner retains reserved rights of thepolicy

– Policyowner may delete or designate newBeneficiaries

• Irrevocable

A di t i it

BENEFICIARIES

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According to priority

• Primary – receives the proceeds surviving the death of the Insured

• Secondary or Contingent – receives the proceeds if there are no surviving Primary beneficiaries

*Unless otherwise specified, surviving beneficiaries in thesame qualification share equally in the death benefitproceeds

CONTESTABILITY

CLAUSE I N

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NO CLAIMS WILL BE CONTESTED BY CLIC FOR PURPOSES

OF PAYMENTS TO THE DESIGNATED BENEFICIARY

BEYOND TWO ( 2 ) YEARS FROM THE POLICY

EFFECTIVITY DATE OR FROM THE DATE OF LAST

REINSTATEMENT SHOULD THE POLICY LAPSE, EXCEPT

FOR NON PAYMENT OF PREMIUMS.

Material Concealment

- the insured withheld information.

GROUNDS FOR CONTESTING

Material Misrepresentation

- the insured provided the wrong information.

STATEMENT OF AGE M I S

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Misstatement of age does not void the contractunless the Insured is not eligible for coverage atthe correct age.

If age of Insured is misstated, the amount of

insurance will be adjusted to the amount whichthe premium would have purchased at the correctage.

The age at issue of the Insured is his age untilone day after his next birthday.

ACCIDENT RIDER

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• Issue Ages 18 to 60 yearsold• Protection Period

• Premium PayingPeriods

• Variants

Up to Age 65

5 years

Special Accident

Rider

ACCIDENTAL DEATH BENEFIT

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ADB coverage is from the approved policy date until one day before

the policyowner’s 65th birthday.

40 41 42 43 44 45 46 47 48 49 50 60

6570 80 …

(May 30, 2012)

Policyowner’s Birthday @

Policy Date

(May 29, 2037)

One day before

Policyowner’s

65th birthday

Accidental Death shall be considered if the death occurs within

180 after the accident.

ADB shall be equal to the Sum Insured amount of the purchasedpolicy.

Loss of entire sight of both 100% Loss of hearing of both ears 50%

DISMEMBERMENT BENEFITS% of Sum Insured (SI)

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Loss of entire sight of botheyes

100%

Loss of both hands or bothfeet

100%

Loss of one hand and onefoot

100%

Loss of either hand or foot &sight of one eye

100%

Loss of arm at or aboveelbow

70%

Loss of leg at or above knee 60%

Loss of one hand at or abovewrist

50%

Loss of one foot at or abovethe ankle

50%

Loss of hearing of both ears 50%

Loss of sight of one eye 50%Loss of hearing of one ear 25%

Loss of thumb 15%

Loss of index finger 10%

Loss of middle finger 6%Loss of ring finger 5%

Loss of big toe 5%

Loss of little finger 4%

Loss of any toe, other thanbig toe, each 1%

DOUBLE INDEMNITY BENEFITS

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Death & Dismemberment Benefit shall be doubled if

the injury is sustained:

• while the Insured is a passenger in any public land

transportation

• while the insured is riding in a regular passenger

elevator; or

•In consequence of the burning of any theater, hotel

or public building in which the Insured ispresent.

ADD

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ITIONALFLEXADD

IBILITY

1. Policy Date - the date the policy was approved by CLIC upon receipt of the

l t t f th i iti l i It b th PR d t th

PAYING PERIOD

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• If policy date falls on the Jan 31, due date for quarterly mode shall be April 30.• In case the due date falls on a non-working day, payment must be made on the working

day preceding the non-working day due date.• Non-payment of the premium after the due date shall render the policy DELINQUENT

or IN GRACE PERIOD.

Mode of Payment Policy Date Due dates

complete payment of the initial premium. It may be the PR date or the

OR date.2. Due Date - The date on which the premium amount per agreed mode of

payment must be paid to keep the policy active.

Quarterly

Semi-Annually

Annually

May 30, 2012

May 30, 2012

May 30, 2012 May 30, 2013

August 30, 2012

November 30, 2012

May 30, 2013

November 30, 2012

May 30, 2013

•The GRACE PERIOD is the 31 DAYS allowance to reactivate a DELINQUENT or IN GRACE PERIOD

policy without any additional charges.

GRACE PERIOD

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policy without any additional charges.

•However, non-payment of premium until the end of the grace period shall be deductible from the

benefits or any valid claims that may arise during the 31-days Grace Period.

•Non-payment of the premium after the 31-day grace period shall render the plan LAPSED and all

its benefit except those mentioned in the Non-forfeiture provisions will end. It shall be

subjected to reinstatement or non-forfeiture procedure as the case may apply.

EXAMPLE : POLICY DATE = MAY 30, 2012

MODE DUE DATE LAST DAY OF GRACE PERIOD

If the due date falls on the 31th of the month, and the next month’s last day is 30, the last day of the

grace period shall be the 1st day of the second month from due date.

If the due date is January 31 and the last day of February is 28, the last day of the grace period will

be on March 3, If February has 29 days, last day of grace period shall be March 2.

Last day of due dates shall be counted 31 days beginning the second day of the policy date.

If last day of grace period falls on a non-working day, payment must be made on the working day

before the last day of the grace period to keep the plan active.

Quarterly

Semi-Annually

Annually

August 30, 2012

November 30, 2012

May 30, 2013 June 30, 2013

September 30, 2012

December 31, 2012

•Reinstatement period – is the 3-year allowance for a LAPSED policy to reactivate subject to the

following conditions:

REINSTATEMENT PERIOD

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1. The policy has not been surrendered for its cash value or converted to Extended

Term Insurance.

2. A fully accomplished Reinstatement application with evidence of insurability and all

required payments are submitted to and approved by the company.

EXAMPLE : DATE OF FIRST PAYMENT = MAY 30, 2012

MODE DUE DATELAST DAY OF GRACE

PERIODLAST DAY OF

REINSTATEMENT PERIOD

• A REINSTATED policy shall again be covered with all the benefits subject to the

Incontestability provision of the policy.

QUARTERLY

SEMI-ANNUAL

ANNUAL

AUGUST 30, 2012

NOVEMBER 30, 2012

MAY 30, 2013

SEPTEMBER 30, 2012

DECEMBER 31, 2012

JUNE 30, 2013

AUGUST 30, 2015

NOVEMBER 30, 2015

MAY 30, 2016

• COMPENSABLE

A i f h li d d hil h li i

SUICIDE

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• Anytime from the policy date and while the policy is

in-force when committed while in the state of insanity.• Two years after the policy date or last approved

reinstatement date.

• NOT COMPENSABLE• Committed within the two years prescriptive period under

the incontestability provision with no sign of insanity.• The company shall refund all premiums paid less any

indebtedness under his policy.

Only the POLICYOWNER may elect to

ASSIGNMENT

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Only the POLICYOWNER may elect to

transfer his policy to a third party through anoriginal assignment or certified copy andmust be filed with the company

The company shall not approve anyreassignment by another assignee.

1. Physical Condition –

age build personal & 5 R id l

PROSPECTIVE APPLICANTFACTORS IN APPRAISAL

7/22/2019 CHAMPP Part 1 20130104 New


age, build, personal &

medical history,

2. Occupation - greater

degree

of exposure to injury or

sickness

3. Moral Hazard - facts,

conditions, habits, social

relationships, mode of

living, general reputation

and like factors which tend

to indicate whether or notthe applicant will make a

desirable POLICYOWNER

4. Financial - insurance \

applied should be

within the paying

capacity of the applicant.

5. Residence - lower

standards of

public health and

sanitation, political

instability and

economic conditions

6. Travel - frequency of

applicant’s travel to

remote areas or usesunusual means of

transportation

7. Avocations/ Hobbies

- activities such as

scuba diving, motor racing, mountain

climbing and the like

that exposes applicant

to a greater risk of

accident.

Level 1 - New Agents

NON- MEDICAL AUTHORITY PRIVILEGE

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Age Range Level 1 Level 2

0 - 17

18 - 45

46 - 50

51 - 60

250,000

750,000

500,000

250,000

500,000

1,500,000

1,000,000

500,000

Level 2 - CHSI Counselor of good standing for two (2)consecutive years

AGES

SUM ASSURED0 17 18 40 41 60 61 65

LEGEND

ROUTINE MEDICAL REQUIREMENTS

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(SI)0 - 17 18 - 40 41 - 60 61 - 65

Up to

500,000

500,001 –

1,500,000

1,500,001 –

3,000,000

3,000,001 –

5,000,000

Over

5,000,000

Baby Book

FME, Baby Book

APS from AP

FME, Baby Book

APS from AP

FME, CXR, Blood

Tests: -BEX 1,

HIV

FME, CXR, ECG,

Blood Tests:

-BEX 1, -HIV

FME, CXR, ECG,

Blood Tests:

-BEX 1, -BEX 2,

-HIV

FME, CXR, ECG

& TMST, Blood

Tests: -BEX 1,

-BEX 2, -HIV

FME, CXR, ECG,

FBS

FME, CXR, ECG,

FBS

FME, CXR, ECG,

FBS, -BEX 1

FME, CXR, ECG,FME, CXR

FME

FME

FME

Nil

FME, CXR, ECG & TMST,

Blood Tests:-BEX 1, -BEX 2, HBA1C, BILIRUBIN, GGT, Alkaline Phosphatase, -HIV

1. For SI 3 Million and above, to submit MCR.

2. For SI 5 Million and above, to submit MCR, ITR, and AFSAL

3. For those with NMA beyond the stated SI with routine requirements,

please follow your NMA and disregard the above.

LEGEND:

FME F ll M di l E i tiMCR – Manger’s Confidential

CHART

ROUTINE MEDICAL REQUIREMENTS

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FME – Full Medical Examination

always inclusive of urinalysis

CXR – Chest X-ray (AP)

ECG – 12 lead restingElectrocardiogram

TMST – Treadmill Stress Test

Creatinine, Serum A/G

-BEX 2 – Triglycerides, SGOT,

SGPT, BUN

AFSAL – Audited Financial Statement

of Assets & Liabilities

Report as to source of

income and premium

payment of proposed

Insured (PI)

ITR – Income Tax Return

TLI – Term Life Insurance

CLI – Credit Life Insurance

SI – Sum Assured, the total

amount of TLI and CLI

per Life

COMBO UNOCore 10 + Heart Shield 5 + SAR*

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• Issue Ages 7 – 60 years

• Payment Period 5 years

• Coverage

– Expanded Core 10 years

– Heart Shield Habangbuhay -

Lifetime

– SAR Ages 18 to 65

only

Combo Uno Plan BCombo Uno Plan B

YEARLY MAXIMUM COVERAGECOMBO UNO

7/22/2019 CHAMPP Part 1 20130104 New


Combo Uno Plan BCombo Uno Plan BP 22,445.00 Quarterly

CP – P400,790.00Age – 40 PAYING PERIOD PAID-UP PERIOD

Program Year 1 2 3 4 5 6 7 8 9 10 11

Max Per Year 160,000 180,000 200,000 220,000 240,000 280,000 300,000 320,000 340,000 360,000

Daily Room Rate 1,600 2,000 2,400 2,800 3,200 4,000 4,400 4,800 5,200 5,600

Total Premium 22,445 22,445 22,445 22,445 22,445

With SAR

CASH

BENEFITS23,000 97,000 154,000223,000 233,000 243,000 253,000263,000 274,000

Total Insurance 1M 1M 1M 1M 1M 1M 1M 1M 1M 1M

1 MillionLife

Insurancefor Life

MEDICAL EXPENSE BENEFITCOMBO UNO

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PAYING PERIOD PAID-UP PERIOD (FREE)

PROGRAM YEAR

1 2 3 4 5 6 7 8 9 10

Actual cost in accredited

hospital If in a non-accredited

hospital, reimbursement of80% of cost based onCARITAS standard rates

Ambulance service from non-accredited to an accreditedhospital if transfer is

authorized by an accreditedphysician and cleared by hisattending physician

Notify CARITAS within 24hours

EMERGENCY CAREEMERGENCY CARE

Room & board

Services of an accreditedphysician or specialist

Lab tests, x-ray & otherdiagnostic procedures

Use of operating & recoveryroom, ICU, dialysis &chemotherapy equipment

Administration of anesthesia

and/or oxygen Tranfusion of hospital-provided

whole blood or plasma Medical supplies Prescribed drugs/medication

while under confinement

HOSPITALIZATION BENEFITSHOSPITALIZATION BENEFITS(in CARITAS-accredited hospitals)(in CARITAS-accredited hospitals)

X-ray, Ultrasound, 2D Echo

with dopplerMRI, CT scan, EMG, Nuclear

Test

Basic mammography


SPECIAL DIAGNOSTIC &SPECIAL DIAGNOSTIC &LABORATORY PROCEDURESLABORATORY PROCEDURES

EMERGENCY:EMERGENCY: The member is in severe pain or imminent danger of deathor disability due to an accidental injury or a sudden & unexpected onsetof illness.

If out-patient,in CARITAS-designateddiagnostic centers

MEMBERSHIP PRIVELEGESCOMBO UNO

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PAYING PERIOD PAID-UP PERIOD (FREE)

PROGRAM YEAR

1 2 3 4 5 6 7 8 9 10

Out-patientServices

Annual PhysicalExamination

after at least 6 monthsafter at least 6 monthsfrom date of effectivityfrom date of effectivity

PreventiveHealth Care

Dental CareOther Services

12 Consultations peryear

10 pre/post natalconsultations perpregnancy

Treatment of minorinjury or illness


Taking of medicalhistoryMedical examinationChest X-ray (PA)Complete blood

countFasting blood sugar

Urine & stoolexaminationECG & Pap smear

(For 35 years old &above)

Periodic monitoringof health problemsConsultation on diet,

exercise, & otherhealthful habitsCounselling on

family planningImmunization,

excluding cost ofdrugs/vaccineEnrollment on

Company-sponsoredhealth seminars


Annual oralprophylaxis (after atleast 3 months ofeffectivity)

Tooth extraction,excluding surgery for

impactionTemporary filling or

re-cementationTreatment of oral

pain, lesions, wound,and burns

24-hour telephone(HOTLINE)assistanceDiscounts on non-

covered services atselected hospitals,clinics, laboratories,drugstores, or optical

shops4 consultations per

year for 1 pre-designateddependent asqualified under theSSS Law ( RA 8282)

*In Caritas-designated clinics/diagnostic centers.

COMBO DOSCORE 6 VIP + HEART SHIELD 5

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• Issue Ages 61 – 65 years

• Payment Period 5 years

• Coverage

– Expanded Core 6 years

– Heart Shield Habangbuhay -

Lifetime

COMBO DOS Plan FCOMBO DOS Plan FP 10 886 Q t l

YEARLY MAXIMUM COVERAGECOMBO DOS

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P 10,886 Quarterly

CP – 194,390Age – 61

PAYING PERIOD PAID-UP PERIOD

Program Year 1 2 3 4 5 6 Max Per Year 40,000 45,000 50,000 55,000 60,000 70,000

Daily Room Rate 400 500 600 700 800 1,000

Total Premium 10,886 10,886 10,886 10,886 10,886

CASH BENEFITS 12,000 52,250 83,000 121,750 124,750 129,500 133,500 137,500 141,250

Total Insurance 250,000 250,000 250,000 250,000 250,000 250,000 250,000 250,000 250,000 250,000

250,000 LifeInsurancefor Life

PAYING PERIOD PAID-UP

MEDICAL EXPENSE BENEFITCOMBO DOS

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PAYING PERIOD PAID UPPERIOD (FREE)

PROGRAM YEAR

1 2 3 4 5 6

Actual cost in accredited

hospital If in a non-accredited

hospital, reimbursement of80% of cost based onCARITAS standard rates

Ambulance service from non-accredited to an accreditedhospital if transfer is

authorized by an accreditedphysician and cleared by hisattending physician

Notify CARITAS within 24hours

EMERGENCY CAREEMERGENCY CARE

Room & board

Services of an accreditedphysician or specialist

Lab tests, x-ray & otherdiagnostic procedures

Use of operating & recoveryroom, ICU, dialysis &chemotherapy equipment

Administration of anesthesia

and/or oxygen Tranfusion of hospital-provided

whole blood or plasma Medical supplies Prescribed drugs/medication

while under confinement

HOSPITALIZATION BENEFITSHOSPITALIZATION BENEFITS(in CARITAS-accredited hospitals)(in CARITAS-accredited hospitals)

X-ray, Ultrasound, 2D Echo

with dopplerMRI, CT scan, EMG, Nuclear

Test

Basic mammography


SPECIAL DIAGNOSTIC &SPECIAL DIAGNOSTIC &LABORATORY PROCEDURESLABORATORY PROCEDURES

EMERGENCY:EMERGENCY: The member is in severe pain or imminent danger of deathor disability due to an accidental injury or a sudden & unexpected onsetof illness.

If out-patient,in CARITAS-designated

diagnostic centers

MEMBERSHIP PRIVILEGESCOMBO DOS

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PAYING PERIOD PAID-UP PERIOD

(FREE)PROGRAM YEAR

1 2 3 4 5 6

Out-patientServices

Annual PhysicalExamination

after at least 6 monthsafter at least 6 months

from date of effectivityfrom date of effectivity

PreventiveHealth Care

Dental CareOther Services


10 pre/post natalconsultations perpregnancy

Treatment of minorinjury or illness


Taking of medicalhistoryMedical examinationChest X-ray (PA)Complete blood

countFasting blood sugarUrine & stool

examinationECG & Pap smear

(For 35 years old &above)

Periodic monitoringof health problemsConsultation on diet,

exercise, & otherhealthful habitsCounselling on

family planning

Immunization,excluding cost ofdrugs/vaccineEnrollment on

Company-sponsoredhealth seminars


Annual oralprophylaxis (after atleast 3 months ofeffectivity)

Tooth extraction,

excluding surgery forimpactionTemporary filling or

re-cementationTreatment of oral

pain, lesions, wound,and burns

24-hour telephone(HOTLINE)assistanceDiscounts on non-

covered services atselected hospitals,clinics, laboratories,

drugstores, or opticalshops4 consultations per

year for 1 pre-designateddependent asqualified under theSSS Law ( RA 8282)

*In Caritas-designated clinics/diagnostic centers.

COMMISSION SCHEDULE

COMPENSATION PACKAGE

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POLICY YEAR HEART SHIELD CORE

*30%

5%

2 %

40%

10%

2 %

1

2

3-5

* + 5% Heart Shield for licensed Insurance consultant

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36 Have

… and here they are at age 65

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DIED

54 areDEPENDENTS

4 areINDEPENDENT

1 isRICH

5 areWORKING

Common among

Filipinos…

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INCOME

- EXPENSES

DEFICIT(Credit Card, 5/6, Loans etc.)

Caritas Life’sCaritas Life’s Advice Advice……

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CORRECT FORMULA

INCOME –SAVINGS

= EXPENSES

(Nobody Plans to Fail, But Many Fail to Plan…)

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HEART SHIELD 5MAS MASAYA ANG BUHAY

HABANGBUHAY

ARITAS IFE

CARITAS

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The COMBI

Grande Plan

HEALTH &WEALTH

CARITAS HEALTH &WEALTH

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pension

benefit

The COMBI Grande PlanWEALTH

healthcarecoverage

insurancebenefits

The plan that

provides for a

simple way of

giving you funds

for your future

needs, completes

your pension plan

In case of death

or disability,and adequate

benefits in case

of hospitalization

confinement.

Fulfill Your Dreams

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Owning a

beautiful house

Driving a

nice car

Travelingabroad

Besteducation

for your child

A worry-freeretirement

While taking care of the

IMPORTANTIMPORTANT & URGENTURGENT

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IMPORTANTIMPORTANT & URGENTURGENTMATTERS in your life….

Your Family Your Family Your Health Your Health

CARITAS HEALTH &WEALTH

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A systematic program for savings, insurance, and healthcare broughtabout by the collaboration between…

The COMBI Grande PlanWEALTH

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Pension Plan Program Time LinePension Plan Program Time Line

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Paying PeriodPaying Period5 Years5 Years

Growth/WaitingGrowth/WaitingPeriodPeriod10 Years10 Years

Maturity/SettlementMaturity/SettlementPeriodPeriod

StartStart Full Payment Maturity DateMaturity Date

Pension BenefitPension BenefitCARITAS FP Mabuhay Classic 5/15

Upon maturity, the planholder will receive the full amount of the

SETTLEMENT OPTION 1SETTLEMENT OPTION 1 Lump Sum PaymentLump Sum Payment

CARITA

S FP Mabuhay Classic 5/15SETTLEMENTOPTIONS:

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Upon maturity, the planholder will receive the full amount of the

Pension Benefit as final settlement of the FUND PROVIDERFUND PROVIDER..

SETTLEMENT OPTION 2 Periodic Payment of InterestPeriodic Payment of Interest

After the maturity date, and during the Availment Period, the

planholder will receive on a regular basis (annual, semi-annual, or quarterly) the interest earned by the PensionBenefit. Amount of which shall be based on the prevailinginterest rate upon maturity date.

SETTLEMENT OPTION 3SETTLEMENT OPTION 3 Partial Withdrawal withPartial Withdrawal withInterest PaymentInterest Payment

Upon maturity, the planholder may withdraw any amountfrom the Pension Benefit (PB); the remaining amount shall besubject to the Periodic Payment of Interest.

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Insurance CoverageMATURITY / SETTLEMENTMATURITY / SETTLEMENT

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PAYING PERIODPAYING PERIOD GROWTH PERIODGROWTH PERIODMATURITY / SETTLEMENTMATURITY / SETTLEMENT

PERIODPERIOD

WAIVER OFINSTALLMENTSDUE TODISABILITY

WAIVER OFINSTALLMENTSDUE TODISABILITY

For With Insurance Benefit (WIB) planholders

only.18 – 60 years old at the time of application In good health

All claims shall be subject to one (1) yearcontestability period from date of effectivity or

reinstatement.

CREDIT LIFE INSURANCECREDIT LIFE INSURANCEPAYING PERIODPAYING PERIOD GROWTH PERIODGROWTH PERIOD MATURITY PERIODMATURITY PERIOD

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CREDIT LIFE INSURANCE In case the PLANHOLDER dies during the Paying Period and before his/her

70th birthday, the plan will be rendered FULLY PAID.

WAIVER OF INSTALLMENTSWAIVER OF INSTALLMENTSDUE TO DISABILITY DUE TO DISABILITY

PAYING PERIODPAYING PERIOD GROWTH PERIODGROWTH PERIOD MATURITY PERIODMATURITY PERIOD

In case the PLANHOLDER becomes totally disabled during the Paying Periodand prior to his 60th birthday, ALL INSTALLMENTS BECOMING DUE WILL BEWAIVED, where such disability continues for at least 6 months.

DISABILITY BENEFIT

Pending approval of the claim, installments must be paid as they become due, subject to refund upon approval.

CHSI EXPANDED COREBASIC 15 Healthcare BenefitsHealthcare Benefits

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Fifteen-year Program

Start MaturityFully

Paid

MaxCoverage

per Year

DailyRoomRate

PAID-UP PERIODPAYING PERIOD

151413121110987654321

PROGRAM YEAR

… up to P1,175,000 in total coverage allocated for you!!!

MEDICAL EXPENSE BENEFITSMEDICAL EXPENSE BENEFITSPAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD


1

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… charged to MBL

HOSPITALIZATION BENEFITSHOSPITALIZATION BENEFITSRoom & boardServices of an accredited physician or specialistLab tests, x-ray & other indicated diagnosticsUse of operating & recovery room, ICU, dialysis &

chemotherapy equipmentAdministration of anesthesia and/or oxygen

Transfusion of hospital-provided whole blood or plasma Medical suppliesPrescribed drugs/medication while under confinement




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If in a non-accredited hospital, reimbursement of 80% of

cost based on CARITAS standard ratesAmbulance service from non-accredited to an

accredited hospital if transfer is authorized by anaccredited physician and cleared by his attendingphysician

Notify CARITAS within 24 hours

EMERGENCYEMERGENCY:: The member is in severe pain or imminentdanger of death or disability due to an accidental injury or a sudden & unexpected onset of illness.




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SPECIAL DIAGNOSTIC & LABORATORY SPECIAL DIAGNOSTIC & LABORATORY PROCEDURESPROCEDURES


MRI, CT Scan, EMG, Nuclear Test

Basic mammography




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10 pre/post natal consultations per pregnancyTreatment of minor injury or illness

Minor surgery

EENT Treatment





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Taking of medical history

Medical examinationChest X-ray (PA)


Fasting blood sugar

Urine & stool examinationECG & Pap smear

(For 35 years old & above)





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Immunization, excluding cost of drugs/vaccine

Enrollment on Company-sponsored healthseminars


free!




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Annual oral prophylaxis (after at least 3 months

of effectivity)Tooth extraction, excluding surgery for

impaction

Temporary filling or re-cementation

Treatment of oral pain, lesions, wound, and

burns




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Other Services




EXPANDEDEXPANDEDCORECORE

BASIC-15BASIC-15

CFPI 5/15CFPI 5/15MABUHAY MABUHAY CLASSICCLASSIC =

COMBICOMBIGRANDEGRANDE

PLANPLAN

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PAYING PERIODPAYING PERIOD GROWTH PERIODGROWTH PERIOD







INSURANCE COVERAGEFor Planholders aged 18-60 upon entry

INSURANCE COVERAGEFor Planholders aged 18-60 upon entry

MATURITY BENEFITMATURITY BENEFITAVAILMENTAVAILMENT

FundFundProviderProvider

PensionPension

BenefitBenefit

P 40,000

P 45,000

Max Coverageper Year

P 400

P 500

Max Coverageper Year

HEALTHCAREBENEFITS

FULLY

PAID

WIDD(Disability)

FULLY

PAID

Credit Life(Death)

INSURANCEBENEFITS

1

2PAYING

Program Year

(5/15 Plan)

-

-

PENSION

BENEFIT(Cash Value)

COMBIGRANDE

Plan D

100,000

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Pension Maturity Benefit at the end of 15th year ► P100,000

P 50,000

P 55,000

P 60,000

P 70,000

P 75,000

P 80,000P 85,000

P 90,000

P 95,000

P100,000

P105,000

P110,000

P115,000

P 600

P 700

P 800

P 1,000

P 1,100

P 1,200P 1,300

P 1,400

P 1,500

P 1,600

P 1,700

P 1,800

P 1,900

PAID

PENSION

PLAN

PAID

PENSION

PLAN

3

4

5

6

7

89

10

11

12

13

14

15

PAYING

PERIOD

PAID-UP /

WAITING

PERIOD

-

-

-

P 50,025

P 54,027

P 58,349P 63,017

P 68,058

P 73,503

P 79,383

P 85,734

P 92,593

P 100,000P1,175,000

HIGHLIGHTS OF THESUPPLEMENTAL

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AGREEMENT

The EXPANDED CORE BASIC 15 is not

stand-alone product and must be purchased incombination with the designated number of units (A+[50] – F [5]) of the CFPI MABUHAY CLASSICPLAN

EXPANDED CORE BASIC 15 and CFPIMABUHAY CLASSIC PLAN must be in forceby paying their respective installments simultaneously

Available Plans Available PlansThe COMBI Grande

Plan

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Plan NamePlan NameNo. of UnitsNo. of Units

Pension BenefitPension BenefitExpandedExpandedCoreCore

Basic-15Basic-15

CFPI MABUHAY CFPI MABUHAY CLASSICCLASSIC

A+ 5 50 Units, 5/15 P500,000

A 5 30 Units, 5/15 P300,000

B 5 20 Units, 5/15 P200,000

C 5 15 Units, 5/15 P150,000

D 5 10 Units, 5/15 P100,000

E 5 7 Units, 5/15 P 70,000

F 5 5 Units, 5/15 P 50,000

12 to less than 30

Plan Name A+ A B C D E F

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No. of Units FIFTY(50)

THIRTY(30)

TWENTY(20)

FIFTEEN(15)

TEN(10)

SEVEN(7)

FIVE(5)

Contract Price499,600 335,600 253,600 212,600 171,600 147,000 130,600

Spot Cash* 450,040 302,440 228,640 191,740 154,840 132,700 117,940

Annual 99,920 67,120 50,720 42,520 34,320 29,400 26,120

Semi-Annual53,127 35,747 27,057 22,712 18,367 15,760 14,022

Quarterly 27,568 18,548 14,038 11,783 9,528 8,175 7,273

Spotcash* - Net of 10% discount but inclusive of P400.00 policy fee

30 to less than 40


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THIRTY(30)

TWENTY(20)

FIFTEEN(15)

TEN(10)

SEVEN(7)

FIVE(5)

Contract Price505,730 341,730 259,730 218,730 177,730 153,130 136,730

Spot Cash* 455,557 307,957 234,157 197,257 160,357 138,217 123,457

Annual 101,146 68,346 51,946 43,746 35,546 30,626 27,346

Semi-Annual53,789 36,409 27,719 23,374 19,029 16,422 14,684

Quarterly 27,911 18,891 14,381 12,126 9,871 8,518 7,616


40 to less than 50


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THIRTY(30)

TWENTY(20)

FIFTEEN(15)

TEN(10)

SEVEN(7)

FIVE(5)

Contract Price512,500 348,500 266,500 225,500 184,500 159,900 143,500

Spot Cash* 461,650 314,050 240,250 203,350 166,450 144,310 129,550

Annual 102,500 69,700 53,300 45,100 36,900 31,980 28,700

Semi-Annual54,520 37,140 28,450 24,105 19,760 17,153 15,415

Quarterly 28,290 19,270 14,760 12,505 10,250 8,897 7,995


7 to less than 12 / 50 to 60 (insurance age)


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THIRTY(30)

TWENTY(20)

FIFTEEN(15)

TEN(10)

SEVEN(7)

FIVE(5)

Contract Price520,700 356,700 274,700 233,700 192,700 168,100 151,700

Spot Cash* 469,030 321,430 247,630 210,730 173,830 151,690 136,930

Annual 104,140 71,340 54,940 46,740 38,540 33,620 30,340

Semi-Annual55,406 38,026 29,336 24,991 20,646 18,039 16,301

Quarterly 28,750 19,730 15,220 12,965 10,710 9,357 8,455


COMBI GrandeCOMBI GrandePLANPLAN

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Basic Commission

First Year Payment 40 % Plan Credit

FOR HEALTH COUNSELORSOR HEALTH COUNSELORS

Renewal Commissions

2nd -Year Payments 10% Plan Credit

3rd-5th Year Payments 2% Plan Credit

Let’s Review:

TYPES OF MEMBERSHIP:

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A comprehensive HealthcareA comprehensive HealthcareMembership ProgramMembership Program

Healthcare Program Packages

A comprehensive HealthcareA comprehensive HealthcareMembership Program perfect withMembership Program perfect withyour CLIC Heart Shield 5your CLIC Heart Shield 5

A comprehensive HealthcareA comprehensive HealthcareMembership Program at a moreMembership Program at a moreaffordable cost.affordable cost.

Let’s Review:

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Heart Shield 5 + SAR

COMBO Uno

COMBO Dos

COMBI Grande Plan

WHAT’S NEXT?

ATTEND CHARTS, and be a full pledged Caritan

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An adequate value-for-moneyAn adequate value-for-moneyhospitalization and annualhospitalization and annual

physical examination programphysical examination program

By getting your Provisional Receipt

An adequate value-for-moneyAn adequate value-for-moneyhospitalization and annualhospitalization and annual

physical examination programphysical examination program

WHOLESALE MARKETINGWHOLESALE MARKETING

Maraming Salamat Po!Maraming Salamat Po!

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at your service...in Healthcare and

beyond!CARITAS COMPANIE

CHAMPP Part 1 20130104 New

Documents

Transcript of CHAMPP Part 1 20130104 New