Purple cow eb for sme 2012 (employee orientation)

2012

50pg

Employee Orientation

Gotuaco’s Purple Cow is a unique healthcare product

that stands out in the field of EMPLOYEE BENEFITS.

“What is a Purple Cow?”A unique product that stands out in the field. 2

“Moo!”

VisionVision 3

FINANCIAL FINANCIAL SECURITY…SECURITY… through

PURPLE COWPURPLE COW Employee Employee Benefits.Benefits.

LIKE Purple Cow Employee Benefits in Facebook

MissionMission 4

To PROTECTPROTECT Employers & Employers & Employees...Employees...

from FINANCIAL FINANCIAL

ININSECURITY.SECURITY.

CLICK on the Command & Control Center (C3)

SUPPORTSUPPORT SMESME:

they are the FUTURE FUTURE

HEROES HEROES of our economy!

AdvocacyAdvocacy 5

WATCH the video testimonials of our SME Clients

What are Employee Benefits (EB)?

EMPLOYEE BENEFITS are incentives given to employees as part of an overall HR strategy to recruit or retain them.

EB can help you win the war for talent

6Purple Cow 2012EB Primer

What is the purpose of EB?

“The purpose of EMPLOYEE BENEFITS is to increase the economic security of employees.”

- Wikipedia

EB can help your employees become financially secure


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!

8

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

Purple Cow 2012EB 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


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

10Purple Cow 2012Benefits

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


1. Life Insurance (worldwide)ASIANLIFE EXCLUSIONS

1. Life 5x MBL 1. Suicide within the 1st year of coverage

2. Terminal Illness Rider (up to 50%)2.5x MBL

3. Total & Perm Disability Income 5x MBL+Principals 18yo-65yo; Dependents 30dy-22yo / 18yo-65yo

1. Life benefit = 5x MBL, for death by any cause;

2. TIR benefit = up to 50% of 5x MBL, as an advance on the Life benefit, if terminally ill (< 12mos. to live); 50% balance upon death;

3. TPDI Benefit = 5x MBL, in lieu of the Life benefit, whether sickness or accident.

Example:If MBL = 20T, Life or TPDI = 100,000; TIR = 50,000;If MBL = 40T, Life or TPDI = 200,000; TIR = 100,000;If MBL = 60T, Life or TPDI = 300,000; TIR = 150,000;If MBL = 80T, Life or TPDI = 400,000; TIR = 200,000;If MBL = 100T, Life or TPDI = 500,000; TIR = 250,000.

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


2. Accident Insurance (worldwide)ASIANLIFE

1. Accidental Death 5x MBL 3. Disablement _% 5x MBL

2. Murder 5x MBL 4. Assault _% 5x MBL+Principals 18yo-65yo; Dependents 30dy-22yo / 18yo-65yo

1. Accidental Death = 5x MBL, for death from any type of accident;

2. Murder = 5x MBL, in lieu of the Accidental Death benefit, for death not due to accident but murder (provoked or not). Example:If MBL = 20T, Accidental Death or Murder = 100,000;If MBL = 40T, Accidental Death or Murder = 200,000;If MBL = 60T, Accidental Death or Murder = 300,000;If MBL = 80T, Accidental Death or Murder = 400,000;If MBL = 100T, Accidental Death or Murder = 500,000.

+Principals 18yo-65yo; Dependents 30dy-22yo / 18yo-65yo

3. Disablement = __% of 5x MBL, according to a long schedule of indemnities;

4. Assault = __% of 5x MBL, in lieu of the Disablement benefit, for disability not due to accident but assault (provoked or not).Example:If MBL = 20T, Disability or Assault = __% of 100,000;If MBL = 40T, Disability or Assault = __% of 200,000;If MBL = 60T, Disability or Assault = __% of 300,000;If MBL = 80T, Disability or Assault = __% of 400,000;If MBL = 100T, Disability or Assault = __% of 500,000.

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


2. Accident Insurance… LONG SCHEDULE OF INDEMNITIES

1. Life (same as Accidental Death) 100% 14. Middle finger 6%

2. Both hands or feet or sight of both eyes 100% 15. Ring finger 5%

3. One hand and one foot 100% 16. Little finger 4%

4. Either hand or foot and sight of one eye 100% 17. Metacarpals 1st/2nd - 3rd/4th/5th 3% - 2%

5. Injuries resulting in being perm. bedridden 100% 18. Leg at or above knee 60%

6. Any other injury causing Total Perm. Disab. 100% 19. Leg below knee 50%

7. Arm at or above elbow 70% 20. One foot 50%

8. Arm between elbow and wrist 50% 21. All toes on one foot 25%

9. One hand 50% 22. Big toe 5%

10. Four fingers and thumb of one hand 50% 23. Any toe other than big toe (each) 1%

11. Four fingers 35% 24. Sight of one eye 50%

12. Thumb 15% 25. Hearing - both ears 50%

13. Index finger 10% 26. Hearing - one ear 25%+Multiple losses from 1 accident will be limited to the highest loss, not to exceed 100%. If a member suffered the loss of 1 hand/foot/eye prior to coverage, the benefit for a subsequent loss of the same will be ½.

Losses refer to total and permanent loss of use or complete severance


2. Accident Insurance…EXCLUSIONS

1. Bodily or mental infirmity, hernia, ptomaine, bacterial or viral infection (except pyogenic infection occurring with and through an accidental cut or wound)

12. War, invasion, act of foreign enemy or warlike operation (whether declared or undeclared), mutiny, strikes, demonstrations, riots, civil commotion, conspiracy, military takeover, state of siege, or any weapon or instrument employing atomic fission or radioactive force whether in time of peace or war

2. Disease, sickness, parasite, or disorder of the body/ mind

3. Poison, gas or fumes voluntarily or involuntarily taken

4. Insect bites 13. Serving in the armed forces of any country, or international authority, whether in war or peace5. Earthquake, volcanic eruption or tidal wave

6. Atomic explosion, nuclear fission, or radioactive gas 14. Entering, operating, servicing, ascending or descending from any aerial or submarine device or conveyance, except as provided under a passenger aviation provision7. Pregnancy, childbirth, miscarriage or any complications

8. Accident occurring while or because the Insured is under the influence of alcohol or any drug

15. Hunting, motorcycling or pillion riding, mountaineering which necessitates the use of ropes or pitons, racing of any kind, other than on foot, ice or winter sports, water-ski jumping and tricks, yachting beyond 5 km. off a coastline, underwater activities involving the use of underwater apparatus, or using woodworking machinery driven by mechanical power other than portable tools, applied by hand and used solely for private purposes without reward

9. Suicide or any attempted threat while sane or insane, or any intentionally self-inflicted injury

10. Participation in any brawl, or committing any crime or felony

11. Provoked murder / assault or attempted threat [waived]


3a. Medical HMO (nationwide)ASIANLIFE (8,205 affil. MD, 383 hospitals, 428 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 = 106. Access to all major hospitals & clinics 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


3a. 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


3a. 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 2012Benefits 18

3a. 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 confinements8. 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


3b. Optional Dental HMO (nationwide)HP DENTAL (790 dentists, 659 clinics) EXCLUSIONS

1. (1) permanent filling 1. Dental procedures not included in the list of 10 benefits

2. (2) oral prophylaxes 2. Reimbursements for seeing your own dentist

3. Unlimited consultations

4. Simple tooth extractions if indicated

5. Temporary fillings when indicated

6. Gum treatment except for alveolectomy/gingivectomy

7. Simple adjustment of dentures1

+Access to HP Dental-accredited clinics in SM, Market2, Festival, Robinson’s, Shangrila, and ATC malls.

+Dental card and booklet provided, as well as an orientation and an annual utilization report.

+Discounts available on procedures not included in the dental HMO plan.

Optional Nationwide Dental HMO: +/- P300

8. Re-cementation of fixed bridges/crowns/jackets/inlays/onlays

9. Treatment of pain/lesions/wounds/burns

10. Emergency dental procedures if necessary

+Appointment preferred (unless emergency)

Optional Dental HMO benefits are covered on top of Medical HMO 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-Ray3. CBC Basic 5 4. Urinalysis5. 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


3d. Free Wellness ProgramASIANLIFE (call 890-1758 ext. 278 to schedule) EXCLUSIONS

1. Comprehensive Wellness Program (to 2x/yr) 1. Cost of vaccines

A company’s corporate wellness program is a key component of company success. Based on a company’s health and wellness needs/wants, AsianLife has developed a CWP that can motivate and maintain good health. AsianLife brings corporate wellness programs to the client’s location and implements a wellness program that suits the client’s actual health profile to achieve their unique needs and goals.To effectively manage healthcare costs, organizations must include programs that proactively help employees maintain and improve their health. The road to better health (and fewer preventable health claims) is paved with small decisions we make every day. The result of doing nothing is continued skyrocketing of health-care costs, rising absenteeism, and lower employee productivity.Wellness Bottom Line: gains can include… Improved employee health;Increased workforce productivity;reduced health insurance premiums; lower workers compensation claims.

The Comprehensive Wellness Program is customized to meet your health & wellness needs through the following services: HEALTH RISK ASSESSMENTS: Comprehensive written assessment and detailed CUR (current utilization report) are provided which gives the employee and the employer the information needed to set wellness goals.HEALTH PROMOTION & DISEASE MANAGEMENT SEMINARS: Pooling from a wealth of resources and expertise available through the medical partners, numerous presentations and seminars are available for the client’s workforce to promote Wellness.HEALTH SCREENINGS: Periodic onsite health screenings such as blood pressure and body fat analysis are available in the program in addition to more extensive screenings such as blood analysis.HEALTH PROTECTION MEASURES: Scheduled vaccine administration program can be done within company premises. The vaccine may vary depending on the need/requirement of the company.

Free Wellness Program benefits are covered on top of Medical HMO benefits


1 ‘Large’ Size Fits All SME: If you are an SME, with 10 or more regular

employees (per DTI), you can join the herd, and be treated just like a large Company.

(Unlike most HMO plans)

You can enjoy the same toys as the Big Boys

23Why Purple Cow?

Purple Cow 2012Competitive Advantages

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.


You can see your own doctor, cheaper

24Why Purple Cow?


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.


You get all the Employee Benefits you will ever need

25Why Purple Cow?


4 Modes of Payment: You can choose from annual, semi-annual,

quarterly, or monthly modes of payment to suit your cash flow or budget.


You can pay Annual (60%), S.A. (5%), Qtr. (30%) or Mo. (5%)

26Why Purple Cow?


5 R&B x 3 MBL Choices each: You can choose up to 5 SME Room & Board

categories x 3 Maximum Benefit Limits each, to suit your organizational needs.


You can try new combinations to see if they are ‘sulit’

27Why Purple Cow?


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

28Why Purple Cow?


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

29Why Purple Cow?


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

30Why Purple Cow?


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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?


Pooled Employee Utilization: Your Employee utilization is pooled together with the employee utilization

of all other SME, to spread your risk.


You get to enjoy the safety of a bigger group

32Why Purple Cow?


Separate Dependent Utilization: Your Employee and Dependent utilization

are separate, so you won’t have to worry about Dependents affecting Employee rates.


You can offer Dependent coverage without fear

33Why Purple Cow?


Life Insurance: Your Life benefit covers death by any cause,

including suicide after 1 year. For example: Ward 20T = 100T; Semi 40T = 200T.

(Unlike all HMO plans)

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Life = 5x MBL: 1 year’s worth of income replacement

Why Purple Cow?


Terminal Illness Rider: Your TIR benefit is a 50% advance on your

Life benefit, payable if you have < 12 mos. to live (50% balance payable upon death).


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TIR = 50% of 5x MBL, in lieu of life, for living expenses

Why Purple Cow?


Total & Perm. Disability Income: Your TPDI benefit is in lieu of your Life benefit, payable if you are unable to work

at all, due to sickness or accident.


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TPDI = 5x MBL, in lieu of Life, for living expenses

Why Purple Cow?


Accidental Death Insurance: Your Accidental Death benefit is a double

indemnity to your Life benefit, and covers death by accident only.


Accidental Death = 10x MBL

37Why Purple Cow?


Murder: Your Murder benefit is in lieu of your Accidental Death benefit, and payable if you don’t die by accident, but by murder.


Murder = 10x MBL, in lieu of Accidental Death

38Why Purple Cow?


Accidental Disablement Insurance: Your Disablement benefit is based on a long schedule of indemnities. For example: loss of hand = 50% of Disablement benefit.

(Unlike all HMO plans)Accidental Disablement = % of 5x MBL

39Why Purple Cow?


Assault: Your Assault benefit is in lieu of your

Disablement benefit, if you don’t get disabled by accident, but by Assault.


Assault = % of 5x MBL, in lieu of Accidental Disablement

40Why Purple Cow?


Medical HMO Network: You can get inpatient and outpatient treatment from 8,205 affiliated doctors, 383 hospitals, and 428 clinics nationwide.

(unlike some HMO plans)

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

41Why Purple Cow?


Optional Dental HMO Network: You can get 1 permanent filling, 2 oral

prophylaxes, and 8 other benefits from 790 dentists and 659 clinics nationwide.

(Unlike some HMO plans)

You can go to SM/ Market2/ Festival/ Robinson’s/ Shangrila/ ATC

42Why Purple Cow?


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

43Why Purple Cow?


FREE Wellness Program: ALGA can conduct a Wellness program

for your SME (up to 2 sessions per year), based on your own set of health issues.


You can get customized Wellness seminars & screenings

44Why Purple Cow?


Same Benefits for Dependents: Dependents get the same benefits, terms and conditions as Employees

(as well as the same costs in 2012).


Your Dependents are treated like Employees

45Why Purple Cow?


Access through Social Media: You can access info and interact directly with suppliers via ‘C3’ (Command & Control Center), in www.purplecow.ph or Facebook.

(Unlike most HMO & insurance plans) C3 helps you to take charge of your own health

46Why Purple Cow?


http://www.purplecow.ph/

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

47♠ What’s in it for…Employees?

Purple Cow 2012Summary

http://www.purplecow.ph/

security peace of mind happiness focus productivity

A job with financial security:

MORE financial security = LESS worry at work

Purple Cow 2011Conclusions 48

anxiety depression state of emergency debt desperation

A job without financial security:

LESS financial security = MORE worry at work

Purple Cow 2011Conclusions 49

Purple cow eb for sme 2012 (employee orientation)

Economy & Finance

Transcript of Purple cow eb for sme 2012 (employee orientation)