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2012

Medical

Purple Cow gives you all 3 of today’s major employee benefits in 1 package, designed to provide multiple layers of protection:

Group Life: P50,000 – P1,000,000

Group Accident: P50,000 – P1,000,000

Group Health: P10,000 – P200,000

More VALUE…

1

You can get MORE benefits for ALL of your staff

Purple Cow 2012

Value Proposition

1. Paid vacations, 75% 2. Health insurance, 61%3. Paid sick leave, 59%4. Disability insurance, 41%5. Education reimbursement, 39%6. Pension plan, 30%7. Life insurance, 29%8. Dental insurance, 24%

What are the most common EB?

All 4 insurance benefits are offered by Purple Cow!

3

- Small Business Poll on Compensating Employees (NFIB, US: 2003)

Purple Cow 2012

EB Primer

What makes Insurance ‘sulit?’

• LIFE INSURANCE provides you with instant cash in the event of death or total and permanent disability; (.25% of population between 18-65)

• ACCIDENT INSURANCE provides you with instant cash in the event of accidental death or disablement; (10% of inpatient & outpatient cases)

• HEALTH INSURANCE (medical insurance or HMO) protects you from losing money in the event of sickness or accident. (10% inpatient / 300% outpatient)

Insurance saves you from losing your money

4Purple Cow 2012

EB Primer

Benefits OverviewLIFE – ACCIDENT – HEALTH

LIFE

1. LIFE INSURANCE

* Terminal Illness Rider

* Total & Perm Disability Income

HEALTH

3. MEDICAL HMO * 19,401 MD, 382 hospitals, 426 clinics

4. Opt. DENTAL HMO * Basic 10: 790 dentists, 659 clinics

5. Opt. Annual Physical Exam * Basic 5: mobile or clinic

6. Health & Wellness Program * up to 2x/yr; tailored to utilization report

ACCIDENT

2. ACCIDENT INSURANCE

a. Accidental Death * Murder

b. Accidental Disablement * Assault

1Purple Cow 2012

Benefits

Benefits SummaryLIFE – ACCIDENT – HEALTH

1. Life = 5x MBL 13. Access to Big 5 Hospitals & Healthway

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. Opt. Dental = HMO buffet of benefits

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

10. Max. Benefit Limits per disability per year 22. Health & Wellness Program (up to 2x/yr)

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

12. Private patient for reimbursement (HMO rate) 24. Interactive access through Social Media

2Purple Cow 2012

Benefits

3a. Medical HMO (nationwide)ASIANLIFE (19,401 doctors, 382 hospitals, 426 clinics) TERMS & CONDITIONS

1. Traditional HMO buffet of benefits 1. Instant rates, regardless of size

2. Combined inpatient & outpatient limits 2. No franchising required

3. Max. Benefit Limits per disability per year 3. No utilization report required

4. HMO patient for no-cash-out 4. No individual applications required

5. Private patient for reimbursement (HMO rate) 5. Minimum group size = 10

6. Access to Big 5 hospitals & Healthway 6. Minimum mode of payment = monthly

7. 100% Pre-Existing Conditions coverage 7. Pooled Employee utilization to spread risk

8. 100% Congenital Conditions coverage 8. Split Dependent utilization to reduce cost

9. 100% Special Procedures coverage 9. Buy now, pay later

10. Benefits on top of Philhealth 10. 1st year Virgin promo rate, if applicable +Principals 18yo-65yo; Dependents 30dy-22yo / 18yo-65yo +Same rates for Dependents in 2012

Medical HMO benefits are covered on top of Life & Accident benefits

7Purple Cow 2012

Benefits

3b. Medical HMO…PRE-EXISTING CONDITIONS (Dreaded) PRE-EXISTING CONDITIONS (Non-Dreaded)

1. Blood dyscrasias 1. Asthma, pleural effusion or other chronic airway obstruction conditions

2. Benign / malignant new growths 2. Benign cyst / tumor and malignant conditions

3. Chronic cardiac / cardio-vascular diseases 3. Chronic gynecologic conditions

4. Collagen / connective diseases 4. Hemorrhoids and other chronic colonic and ano-rectal illnesses

5. Diseases of the immune system 5. Diseased tonsils requiring surgery, cataracts & other opthalmo-otolaryngologic conditions

6. Chronic hepatobiliary diseases 6. Pathological abnormalities of nasal septum and turbinate

7. Neuro-surgical / neurological conditions 7. Sinus condition requiring surgery

8. Chronic pulmonary diseases 8. Chronic neurologic conditions

9. Chronic genito-urinary diseases 9. Calculus cholecystitis / cholelithiasis and/or urolithiasis

10. Chronic gynecological conditions 10. Chronic conditions of the genitourinary system

11. Chronic gastrointestinal conditions 11. Polyps, ulcers, liver cirrhosis and other chronic gastrointestinal diseases

12. Endocrine abnormalities 12. Endocrine illnesses

13. Antibiotic / chemotherapy-resistant diseases / bactemia / septicemia 13. Seizure disorders

14. Chronic opthalmo-otolaryngologic diseases 14. Moderately to far advanced tuberculosis

15. Chronic musculo-skeletal diseases 15. Chronic musculo-skeletal malignancies

16. Pathological / accidental fractures 16. Malignancies of the blood and bone marrow

17. Illnesses / injuries necessitating the use of isolation room / ICU or other IC facilities 17. Hypertension, coronary artery disease / myocardial ischemia, cerebrovascular accident and other chronic cardiac diseases18. Accidental injuries

19. Second and third degree burns 18. Collagen / connective tissue diseases

20. Surgical procedures requiring application / use of prosthesis for immediate treatment 19. Diseases of the immune system

21. PEC (except congenital ones) subject to the provision on ‘PEC’ in this Agreement [waived] Dreaded & Non-Dreaded PEC are covered 100% up to MBL

8Purple Cow 2012

Benefits

3c. Medical HMO…SPECIAL PROCEDURES or NEW MODALITIES OF TREATMENT

1. Lithotripsy 11. Sclerotherapy

2. Arthroscopic procedures 12. Physical & speech therapy

3. Laparoscopic procedures 13. Angiography

4. Laser therapy (excludes use for correcting vision) 14. Nuclear technologies

5. Nuclear / radioactive isotope scans 15. Thallium scintigraphy

6. Cost of artificial limbs, joint prosthesis and heart valve prosthesis

16. CT scan / MRI

17. Pulmonary perfusion scan

7. Other new modalities of treatment for conditions with established etiologies and used as alternatives to conventional or traditional procedures

18. Endoscopy

19. Bone densitometry scan

20. Anti-nuclear anti-body (ANA)

8. Dialysis 21. C-reactive protein (rheumatic & complications)

9. Chemotherapy 22. Lupus cell exam

10. Radiation oncology / therapeutic radiology 23. Sleep therapy

Special Procedures or New Modalities of Treatment are covered 100% up to MBL

Purple Cow 2012

Benefits 9

3d. Medical HMO…EXCLUSIONS

1. Expenses that should be taken care of by any government programs such as Philhealth 13. Illnesses / injuries attributable to the plan member’s own misconduct / gross negligence / immoral habits, and willful and unnecessary exposure to danger or health hazards 2. Services rendered or supplies provided free of charge

3. Additional hospital charges and/or professional fees resulting from a plan member taking a room accommodation more than his R&B limit (excesses and/or incremental costs)

14. Self-inflicted injuries including, but not limited to, any form of suicide attempt

4. Maternity and maternity-related conditions and/or complications except those benefits that may be provided by the (optional) Maternity benefit

15. Sexually transmitted disease, AIDS, rehabilitative treatment for alcoholism and drug abuse

5. Sterilization of either sex or reversal of such, artificial insemination, sex change, consultation/confinement regarding fertility

16. Acquisition of prosthetic appliances, artificial aids, durable equipment, surgically implanted devices and external prosthetic devices except those that are explicitly covered and enumerated in the ‘Special Procedures or New Modalities of Treatment’ provision of this agreement6. Non-recommended confinement, convalescent / domiciliary / custodial care, rest cures

7. Dental-related cases except those that may be provided by the Dental Benefits and to the extent that are necessary for the repair or alleviation of damage caused solely by accidental injury sustained (and not caused by the plan member)

17. Organ transplant-expense relating to organ donation of the donating party/parties

18. Executive check-ups, unless explicitly provided in the master policy, and/or confinements purely for diagnostic purposes, as well as non-recommended confinements

8. Circumcision, cosmetic / aesthetic procedures except re-constructive surgery to treat functional defects due to a covered disease and/or accidental injury

9. Psychiatric disorders, psychosomatic conditions, treatment for any mental or nervous disorders, illness / injury / condition / complication arising from the plan member’s excessive alcohol intake and/or use of regulated/prohibited drugs

19. Take-home medicines, unless optional ‘Reimbursement of Prescribed Medicines’ benefit is provided, and vaccines, except for first doses of either anti-venom, anti-rabies or anti-tetanus used for emergency treatment

10. Illnesses and/or injuries arising from the plan member’s participation in brawls, riots, commission of a crime, violation of ordinances, or the like

20. Medico-legal fees including the cost of Medical Certificates that a plan member may require for any purpose it may serve him or her

11. Illnesses / injuries resulting from conditions of war or sustained from combat-related activities

21. Congenital disease / deformity that is evident to the plan member at birth and/or can be clinically determined to be congenital [waived]

12. Illnesses / injuries resulting from the plan member’s active participation in hazardous activities such as, but not limited to, bungee jumping, hang-gliding, scuba diving, mountain/wall climbing, and professional sports

22. Medical / surgical procedures and/or diagnostic tests that are experimental in nature and/or not generally accepted by the medical profession such as, but not limited to, iridology, chiropractic services, and acupuncture

10Purple Cow 2012

Benefits

2 Ways to Access Healthcare: You can see an HMO doctor for free,

or your own doctor for reimbursement at the HMO rate – each time you avail.

(Unlike most HMO plans)

You can see your own doctor, cheaper

2Why Purple Cow?

Purple Cow 2012

Competitive Advantages

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

3Why Purple Cow?

Purple Cow 2012

Competitive Advantages

100% Pre-Existing Conditions: You get 100% coverage up to MBL for

Pre-Existing Conditions such as cancer, hypertension, diabetes & asthma.

(Unlike most HMO plans)

You are covered for dreaded & non-dreaded diseases

6Why Purple Cow?

Purple Cow 2012

Competitive Advantages

100% Congenital Conditions: You get 100% coverage up to MBL for

Congenital Conditions such as mitral valve prolapse, rheumatic heart disease & hernia.

(Unlike most HMO plans) You are covered for medical conditions since birth

7Why Purple Cow?

Purple Cow 2012

Competitive Advantages

100% Special Procedures: You get 100% coverage up to MBL for Special Procedures such as arthroscopy,

laparoscopy, chemotherapy, P/T & MRI.

(Unlike most HMO plans) You are covered for newer modalities of treatment

8Why Purple Cow?

Purple Cow 2012

Competitive Advantages

9

Benefits on Top of Philhealth: Your HMO limits are on top of Philhealth,

so you won’t be needing as much MBL: Benefits = Philhealth + MBL (not just MBL).

(Unlike most HMO plans)

You get full HMO benefits on top of Philhealth benefits

Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Medical HMO Network: You can get inpatient, outpatient & ER treatment from 19,401 affiliated doctors,

382 hospitals, and 426 clinics nationwide.

(unlike some HMO plans)

You can go to MMC/ SLMC/ CSMC/ AHMC/ TMC/ Healthway

19Why 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 HMO doctor’s rate

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

1♠ What’s in it for…Employees?

Purple Cow 2012

Summary