2012

7pg

APE

3 Major Employee BenefitsLIFE – ACCIDENT – HEALTH

1. LIFE INSURANCE

3a. MEDICAL HMO

3b. Optional DENTAL HMO

3c. Optional APE

3d. WELLNESS PROGRAM

2. ACCIDENT INSURANCE

2Purple Cow 2012

Benefits

Benefit SummaryLIFE – ACCIDENT – HEALTH

1. Life = 5x MBL 13. Access to all major hospitals & clinics

2. Terminal Illness = up to 50% of 5x MBL 14. 100% Pre-Existing Conditions coverage

3. Total & Perm. Disability Income = 5x MBL 15. 100% Congenital Conditions coverage

4. Accidental Death = 5x MBL 16. 100% Special Procedures coverage

5. Murder = 5x MBL 17. Benefits on top of Philhealth

6. Accidental Disablement = __% of 5x MBL 18. Pooled Employee utilization

7. Assault = __% of 5x MBL 19. Separate Dependent utilization

8. Medical = HMO buffet of benefits 20. Optional Dental = HMO buffet of benefits

9. Combined inpatient & outpatient limits 21. Optional APE = choice of mobile or clinic

10. Max. Benefit Limits per disability per year 22. Free Wellness Program

11. HMO patient for no-cash-out 23. Same benefits for Dependents

12. Private patient for HMO reimbursement 24. Access through Social Media

3Purple Cow 2012

Benefits

3c. Optional Annual Physical ExamVARIOUS (mobile or clinic) EXCLUSIONS

1. Physical examination 1. APE procedures not included in the Basic 5 APE plan

2. Chest X-Ray

3. CBC Basic 5

4. Urinalysis

5. Fecalysis

+The Annual Physical Exam (APE) is a diagnostic tool, not a cure for sickness or accident. Results can serve as a baseline for referral to specialists who can authorize tests and/or prescribe further treatment.

+By appointment only, 30 days in advance.

+Pay as you go, so you don’t lose it if you don’t use it (don’t pay in advance, as payment is not transferable).

+Call Lala Perido at GRA to help design, source, price & schedule your APE during the year [888-0001 x835]. Optional APE: +/- P400 or P500 (for mobile or clinic APE)

Optional APE benefits are covered on top of Medical HMO benefits

4Purple Cow 2012

Benefits

3 Major Employee Benefits in 1 Plan: You get Group Life, Accident & Health

(medical HMO, optional dental HMO, optional APE, and Wellness) – all in 1 plan.

(Unlike most HMO plans)

You get all the Employee Benefits you will ever need

5Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Optional Annual Physical Exam: You can order a Basic 5 APE or customize

your APE; you can choose a nearby clinic for your staff or request a mobile APE.

(Unlike some HMO plans)

You can decide if you want an APE, and if so, what kind

6Why Purple Cow?

Purple Cow 2012

Competitive Advantages

EE Features EE BenefitsA complete Employee Benefits package that can make you financially secure

You get more financial security from Purple Cow than from any other HMO

Life INS, Accident INS, Medical HMO, Optional Dental HMO & Optional APE

You won’t need to get any more insurance benefits for yourself

Nationwide Medical & Dental networks, inclusive of all major hospitals & clinics

You can use any accredited hospital or clinic for medical or dental treatment

Choice of doctor as a Private Patient for insurance reimbursement at HMO rates

You can see your own doctor and get reimbursed the rate of an HMO doctor

100% Pre-Existing, 100% congenital, & 100% Special Procedures coverage

You are covered for existing illnesses, natal conditions, & special procedures

Employee Benefits on top of Philhealth You get full HMO + Philhealth benefits

Access to benefit information through C3 on www.purplecow.ph & Facebook

You can take charge of your own health, and know before you go

1 health card for every employee You can avail anytime, anywhere

7♠ What’s in it for…Employees?

Purple Cow 2012

Summary