Purple cow eb for sme 2012 (sales presentation)

100
Sales Presentation 100pg 2012

Transcript of Purple cow eb for sme 2012 (sales presentation)

Page 1: Purple cow eb for sme   2012 (sales presentation)

Sales Presentation

100pg

2012

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Disclaimer Renowned author Seth Godin approved my use of the term PURPLE

COW (2/4/09): “It’s fine with me, just please make it clear that I haven’t endorsed your service.”

Disclaimer Renowned author Seth Godin approved my use of the term PURPLE

COW (2/4/09): “It’s fine with me, just please make it clear that I haven’t endorsed your service.”

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1. INTRODUCTION1. INTRODUCTION The Purple Cow STORY The Purple Cow STORY

2012

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Gotuaco’s Purple Cow is a unique healthcare product

that stands out in the field of EMPLOYEE BENEFITS.

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.

“What is a Purple Cow?”A unique product that stands out in the field. 4

“Moo!”

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VisionVisionVisionVision 5

FINANCIAL FINANCIAL SECURITY…SECURITY…

through PURPLE COWPURPLE COW

Employee Employee Benefits.Benefits.

LIKE Purple Cow Employee Benefits in Facebook

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MissionMissionMissionMission 6

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

from FINANCIAL FINANCIAL

ININSECURITY.SECURITY.

CLICK on the Command & Control Center (C3)

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SUPPORTSUPPORT SMESME:

they are the FUTURE FUTURE

HEROES HEROES of our economy!

AdvocacyAdvocacyAdvocacyAdvocacy 7

WATCH the video testimonials of our SME Clients

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DOING DOING BUSINESS BUSINESS

with SME:SME:

MORE FUNMORE FUN in the

PHILIPPINES! PHILIPPINES!

PhilosophyPhilosophyPhilosophyPhilosophy 8

TRY OUT Purple Cow for a year: “Join the Herd!”

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2. VALUE PROPOSITION 2. VALUE PROPOSITION The Purple Cow USPThe Purple Cow USP

2012

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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…

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You can get MORE benefits for ALL of your staff!

Purple Cow 2012

Value Proposition

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Purple Cow saves you the most on the 2 most frequently selected Room & Board categories (Ward & Semi-Private), when combined with our recommended limits:

Ward 10-20-30T: starts at P6,378 (or P4,991*)

Semi 30-40-50T: starts at P8,646 (or P6,821*)

+ Less PRICE…

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You can get LOWER rates for MAJORITY of your staff!

Purple Cow 2012

Value Proposition

*A Virgin promo rate applies if you have never had group health coverage before (see Costs section on p.46).

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Purple Cow shares the Good News with all 4 stakeholders in your SME organization:

Employees: More financial security

HR: Better recruitment & retention

Finance: Greater financial viability

CEO: Major ‘pogi’ points

= More HAPPINESS!

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You can make EVERYONE happy!

Purple Cow 2012

Value Proposition

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3. MACRO – MICRO3. MACRO – MICRO The Purple Cow BIG & SMALL Pictures The Purple Cow BIG & SMALL Pictures

2012

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Mfg, 2870, 41%

Tra/Com/Sto, 589, 9%

Elec/Gas/Wat, 608, 9%

Com/Biz/Soc, 411, 6%

W/R.Trade, 1152, 17%

Fin/Ins/RE, 997, 14%

Constructn, 87, 1%

Agri/Fis/For, 97, 1%

Min/Quar, 113, 2%

1. Mfg

2. W/R.Trade

3. Fin/Ins/RE

4. Elec/Gas/Wat

5. Tra/Com/Sto

6. Com/Biz/Soc

7. Mining/Quar

8. Agri/Fis/For

9. Constructn

(in Billions of Pesos)

14Purple Cow 2012

Macro – Micro

The P7T “Top 1000” PH economy

BusinessWorld, Top 1000 Corporations in the Philippines, 2011 (2010 data)

144 Fin/Ins/RE firms in the Top 1000 produced 14.4% of all revenues

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Fin/Pawn/Aux, 13, 1%

Fund.Mgmt, 3, 0%

Investmt.Hse, 5, 0%

Real.Estate, 163, 16%

Banking, 435, 45%

Holding.Co, 222, 23%

Insurance, 124, 12%

Credit.Card, 7, 1%

Pre-Need, 24, 2%

1. Banking

2. Holding.Co

3. Real.Estate

4. Insurance

5. Pre-Need

6. Fin/Pawn/Aux

7. Credit.Card

8. Investmt.Hse

9. Fund.Mgmt

The Finance, Insurance & RE sector

(in Billions of Pesos)

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Macro – Micro

BusinessWorld, Top 1000 Corporations in the Philippines, 2011 (2010 data)

Insurance > Pre-Need

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7/87 Non-Life, 19, 13%

11/34 Life, 105, 70%

4/15 PNd.Pen, 13, 9%

2/16 PNd.Hlth, 7, 5%

2/9 PNd.Mem, 4, 3%

0/11 PNd.Educ, 0, 0%

1. Life.Ins

2. NonLife.Ins

3. PNd.Pension

4. PNd.Health

5. PNd.Mem

6. PNd.Educ

The Insurance & Pre-Need industries

Insurance & Pre-Need Players: Insurance Commission (2010 data)

(in Billions of Pesos)

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Macro – Micro

BusinessWorld, Top 1000 Corporations in the Philippines, 2011 (2010 data)

Healthcare demand created supply of Medical INS & HMO products

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13/16 HMO, 14, 83%

4/121 Med. INS, 3, 17%

1. HMO

2. Medical. INS

The Healthcare market

Medical Insurance Figures: Delphi (2010 data)(in Billions of Pesos)

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Macro – Micro

HMO Figures: AHMOPI (2010 data)

Medical INS < HMO

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The QUESTION: “What to get?”

Do you get the bigger product (HMO) from the smaller industry? (Pre-Need)

… or the smaller product (Medical INS) from the bigger industry? (Insurance)

. Can you get the best of both worlds?

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Macro – Micro

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The ANSWER: “What to get!”

Get the bigger product (HMO)♠ Buffet of Benefits♥ Combined Inpatient & Outpatient Limits♦ Maximum Benefit Limits per Disability per Year ♣ Nationwide Network for No-Cash-Out

… from the bigger industry! (Insurance)

♠ More Stability♥ More Underwriting♦ More Regulation ♣ More Experience

An HMO plan from an INS Co. can give you the best of both worlds!

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Macro – Micro

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LRG 3,080 (.4%)

MEDIUM

3,006 (.4%)

SMALL

63,529 (8.1%)

MICRO710,822 firms (91.1%)

The Healthcare ‘Red Ocean’

The top 1% of all enterprises receive all the Healthcare attention…

LRG100M200+

MEDIUM P15-100M; 100-199 ee

SMALL

P3-15M; 10-99 ee

MICRO<P3M assets; 1 – 9

ee

GROUP HEALTH

GROUP HEALTH

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Macro – Micro

DTI > Micro, Small & Medium Enterprises > Statistics (2009 data)

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LRG 3,080 (.4%)

MEDIUM

3,006 (.4%)

SMALL

63,529 (8.1%)

MICRO710,822 firms (91.1%)

The Healthcare ‘Blue Ocean’

…while 99% of all enterprises remain un-served or under-served!

LRG100M200+

MEDIUM P15-100M; 100-199 ee

SMALL

P3-15M; 10-99 ee

MICRO<P3M assets; 1 – 9

ee

GROUP HEALTH

INDIVIDUAL HEALTH

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Macro – Micro

DTI > Micro, Small & Medium Enterprises > Statistics (2009 data)

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The Healthcare ‘Purple Ocean’

The GOAL: to protect more & more SME from financial insecurity!

LRG 3,080 (.4%)

MEDIUM

3,006 (.4%)

SMALL

63,529 (8.1%)

MICRO710,822 firms (91.1%)

LRG100M200+

MEDIUM P15-100M; 100-199 ee

SMALL

P3-15M; 10-99 ee

MICRO<P3M assets; 1 – 9

ee

DTI > Micro, Small & Medium Enterprises > Statistics (2009 data)

PURPLE COW

EB 4 SME

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Macro – Micro

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4. EB PRIMER4. EB PRIMERA Whole New WORLD of Employee BenefitsA Whole New WORLD of Employee Benefits

2012

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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

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EB Primer

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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

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EB Primer

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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

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

Purple Cow 2012

EB Primer

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What makes Insurance ‘sulit?’

• LIFE INSURANCE protects you from losing your income in the event of death or total permanent disability; (.25% of population between 18-65)

• ACCIDENT INSURANCE protects you from losing your income in the event of accidental death or disablement; (10% of inpatient & outpatient cases)

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

Insurance protects you from losing your money

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EB Primer

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Why give Insurance to employees?

• Because you want to take care of the hands that take care of YOU (Employees are your key success factors);

• Because you want to STOP your Employees from

LOSING MONEY to medical emergencies – the most common cause of their financial insecurity;

• Because Employee health is not just Corporate wealth, but also Corporate Social Responsibility.

Charity begins at home: give your staff the gift of health

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EB Primer

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Why get the Purple Cow?

• The Purple Cow is UNIQUE: no other insurance company, HMO, agent, or broker offers such a plan;

• The Purple Cow is SMART: it has all the features and benefits majority of our Customers say they want or need;

• The Purple Cow is PERFECT: the recommended R&B and MBL are the right combination up to 99% of the time. Why pay more if you can pay less?

Purple Cow is the right choice for your SME

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EB Primer

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Why get AsianLife (ALGA) as Insurer?

• ALGA is the BIGGE$T NAME in group life & medical insurance, and the only insurance company today that offers an HMO plan; (ALGA clients include Meralco, Smart & PLDT)

• ALGA is the BE$T VALUE for your money, with the most useful life, accident & health benefits rolled into one;

• ALGA offers the LOWE$T PRICE, when comparing all its insurance & HMO features & benefits.

ALGA gives you the best of both INS and HMO worlds

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EB Primer

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• GRA is the #1 Filipino, (2) family-owned, full-line insurance brokerage in the country today: it produces >P1B in premiums, and has been in the Top 5 since 1965;

• GRA’s partners, Larry Gotuaco & Albert del Rosario, are legends in the industry; the Next Generation of Meg Isleta, Andy Gotuaco & Tom Gotuaco carry on the Tradition;

• GRA’s Tom Gotuaco is the Creator of PURPLE COW: the only EB plan today that treats SME like a large company.

Why get GRA as Broker?

GRA gives you the best back-up support for Purple Cow

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EB Primer

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5. BENEFITS 5. BENEFITS

Your SECRET to Financial Security Your SECRET to Financial Security

2012

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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

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Benefits

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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 costs & benefits for Dependents

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

34Purple Cow 2012

Benefits

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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

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Benefits

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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

36Purple Cow 2012

Benefits

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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

37Purple Cow 2012

Benefits

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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]

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Benefits

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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 = 10

6. 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

39Purple Cow 2012

Benefits

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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

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Benefits

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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 2012

Benefits 41

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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 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

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Benefits

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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

43Purple Cow 2012

Benefits

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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

44Purple Cow 2012

Benefits

Page 45: Purple cow eb for sme   2012 (sales presentation)

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

45Purple Cow 2012

Benefits

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6. COSTS 6. COSTS

Your INVESTMENT in Financial Security Your INVESTMENT in Financial Security

2012

LEGEND: VIRGIN – company that has not had group health coverage before (Medical INS or HMO) NON-VIRGIN – company that has had group health coverage before (Medical INS or HMO)

Page 47: Purple cow eb for sme   2012 (sales presentation)

Purple Cow 2012

Costs: VIRGINStandard: Life INS / Accident INS / Medical HMO Optional: Dental HMO (P300) / APE (P400 or P500)

47Cost Summary

R&B MBL ANN SEMI QTR MO R&B MBL ANN SEMI QTR MO

WARD(R&F)

10T 4,991 2,646 1,398 500 REG PVT

(Top rank Small co 50-100)

60T 12,332 6,537 3,454 1,234

20T 5,442 2,885 1,524 545 80T 13,888 7,361 3,889 1,389

30T 6,206 3,290 1,738 621 100T 15,185 8,049 4,252 1,519

SEMI PVT(Spvr)

30T 6,821 3,615 1,910 683LRG PVT

(Top rank Med co

100-200)

80T 16,277 8,627 4,558 1,628

40T 7,510 3,981 2,103 751 100T 17,422 9,234 4,879 1,743

50T 8,248 4,372 2,310 825 120T 19,116 10,132 5,353 1,912

SML PVT

(Top rank Small co 10-50)

50T 9,722 5,153 2,723 973JR

SUITE (Top rank Large co > 200)

100T 26,933 14,275 7,542 2,694

60T 10,570 5,603 2,960 1,058 150T 30,327 16,074 8,492 3,033

70T 11,394 6,039 3,191 1,140 200T 34,264 18,160 9,594 3,427

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48Purple Cow 2012

Costs: NON-VIRGIN Standard: Life INS / Accident INS / Medical HMO Optional: Dental HMO (P300) / APE (P400 or P500)

Cost SummaryR&B MBL ANN SEMI QTR MO R&B MBL ANN SEMI QTR MO

WARD(R&F)

10T 6,378 3,381 1,786 638 REG PVT

(Top rank Small co 50-100)

60T 15,705 8,324 4,398 1,571

20T 6,903 3,659 1,933 691 80T 17,613 9,336 4,932 1,762

30T 7,834 4,153 2,194 784 100T 19,181 10,167 5,371 1,919

SEMI PVT(Spvr)

30T 8,646 4,583 2,421 865LRG PVT

(Top rank Med co

100-200)

80T 20,767 11,007 5,815 2,077

40T 9,483 5,026 2,656 949 100T 22,134 11,731 6,198 2,214

50T 10,385 5,504 2,908 1,039 120T 24,226 12,840 6,784 2,423

SML PVT

(Top rank Small co 10-50)

50T 12,332 6,536 3,453 1,234JR

SUITE (Top rank Large co > 200)

100T 34,689 18,386 9,713 3,469

60T 13,378 7,091 3,746 1,338 150T 38,807 20,568 10,866 3,881

70T 14,394 7,629 4,031 1,440 200T 43,644 23,132 12,221 4,365

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7. COMP. ADVANTAGES 7. COMP. ADVANTAGES

Why PURPLE COW? Why PURPLE COW?

2012

Page 50: Purple cow eb for sme   2012 (sales presentation)

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

50Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 51: Purple cow eb for sme   2012 (sales presentation)

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

51Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 52: Purple cow eb for sme   2012 (sales presentation)

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

52Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 53: Purple cow eb for sme   2012 (sales presentation)

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

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

(Unlike most HMO plans)

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

53Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 54: Purple cow eb for sme   2012 (sales presentation)

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.

(Unlike most HMO plans)

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

54Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 55: Purple cow eb for sme   2012 (sales presentation)

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

55Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 56: Purple cow eb for sme   2012 (sales presentation)

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

56Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 57: Purple cow eb for sme   2012 (sales presentation)

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

57Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 58: Purple cow eb for sme   2012 (sales presentation)

58

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

Page 59: Purple cow eb for sme   2012 (sales presentation)

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

of all other SME, to spread your risk.

(Unlike most HMO plans)

You get to enjoy the safety of a bigger group

59Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 60: Purple cow eb for sme   2012 (sales presentation)

Separate Dependent Utilization: Your Employee and Dependent utilization

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

(Unlike most HMO plans)

You can offer Dependent coverage without fear

60Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 61: Purple cow eb for sme   2012 (sales presentation)

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)

61

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

Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 62: Purple cow eb for sme   2012 (sales presentation)

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).

(Unlike all HMO plans)

62

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

Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 63: Purple cow eb for sme   2012 (sales presentation)

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.

(Unlike all HMO plans)

63

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

Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 64: Purple cow eb for sme   2012 (sales presentation)

Accidental Death Insurance: Your Accidental Death benefit is a double

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

(Unlike all HMO plans)

Accidental Death = 10x MBL

64Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 65: Purple cow eb for sme   2012 (sales presentation)

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

(Unlike all HMO plans)

Murder = 10x MBL, in lieu of Accidental Death

65Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 66: Purple cow eb for sme   2012 (sales presentation)

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

66Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 67: Purple cow eb for sme   2012 (sales presentation)

Assault: Your Assault benefit is in lieu of your

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

(Unlike all HMO plans)

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

67Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 68: Purple cow eb for sme   2012 (sales presentation)

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

68Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 69: Purple cow eb for sme   2012 (sales presentation)

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

69Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 70: Purple cow eb for sme   2012 (sales presentation)

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

70Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 71: Purple cow eb for sme   2012 (sales presentation)

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.

(Unlike most HMO plans)

You can get customized Wellness seminars & screenings

71Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 72: Purple cow eb for sme   2012 (sales presentation)

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

(as well as the same costs in 2012).

(Unlike most HMO plans)

Your Dependents are treated like Employees

72Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 73: Purple cow eb for sme   2012 (sales presentation)

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

73Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 74: Purple cow eb for sme   2012 (sales presentation)

The Price is Right: Purple Cow rates are lowest where they matter the most: in the 2 lowest categories, where you enroll up to 90% of your staff!

(Unlike most HMO plans)

You get the greater good for the greater number

74Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 75: Purple cow eb for sme   2012 (sales presentation)

The Design is Right: Purple Cow provides medical necessity,

not luxury! Savings from excess R&B/MBL are reallocated to benefits of greater use.

(Unlike most HMO plans)

Your R&B/MBL combos are good up to 99% of the time

75Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 76: Purple cow eb for sme   2012 (sales presentation)

The Perfect Insurer: You get serviced by the biggest name in group life & medical, and the only insurance

company to offer an HMO-type plan.

(Unlike all insurance companies)

You get the best of both INS & HMO worlds from ALGA

76Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 77: Purple cow eb for sme   2012 (sales presentation)

The Perfect Broker: You get represented by a pioneer in the industry, and the only insurance broker to

offer Purple Cow Employee Benefits to SME.

(Unlike all insurance brokers) You get instant expertise & back-up support from GRA

77Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 78: Purple cow eb for sme   2012 (sales presentation)

Buy Now, Pay Later: You can sign up today, get covered right away, and pay later when GRA bills you

(during your EB orientation, at the earliest).

(Unlike some HMO plans) You can take advantage of a credit float

78Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 79: Purple cow eb for sme   2012 (sales presentation)

Easy Sign Up: 1) Complete/email Masterlist (Excel);

2) Sign/fax Endorsement sheet; 3) Sign/fax Letter of Guarantee (letterhead).

(Unlike some HMO plans)

Click ‘Join the Herd!’ to download on www.purplecow.ph

79Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 80: Purple cow eb for sme   2012 (sales presentation)

Claims Utilization Report: You get a detailed, user-friendly report

that gives you real insights into your company’s overall utilization patterns.

(Unlike some HMO plans)

You can learn a lot about the state of your group’s health

80Why Purple Cow?

Purple Cow 2012

Competitive Advantages

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Group Renewal Rates: You get broker-negotiated group renewal rates for the calendar year, so you can plan in advance without hassling HR or FIN.

(Unlike most HMO plans)

Your renewals become semi-automatic for HR & Finance

81Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 82: Purple cow eb for sme   2012 (sales presentation)

Your Employees Win: Employees can use Purple Cow to take

charge of their own health, and protect themselves from even more emergencies.

(Unlike some HMO plans)

Purple Cow helps employees become financially secure

82Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 83: Purple cow eb for sme   2012 (sales presentation)

Your HR Wins: HR can use Purple Cow to recruit and

retain staff – especially if you are in a highly competitive work environment.

(Unlike some HMO plans)

Purple Cow helps HR with Recruitment & Benefits

83Why Purple Cow?

Purple Cow 2012

Competitive Advantages

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Your FINANCE Wins: FINANCE can use Purple Cow to cut

healthcare costs, and reduce future exposure to claims utilization risk.

(Unlike most HMO plans)

Purple Cow helps FINANCE to limit all liability to a card

84Why Purple Cow?

Purple Cow 2012

Competitive Advantages

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Your Company Wins: When your Employees win,

and HR & Finance win, your Company wins!

(Unlike most HMO plans)

Purple Cow promotes ‘Win-Win’ among stakeholders

85Why Purple Cow?

Purple Cow 2012

Competitive Advantages

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SME Nation Wins: When your SME wins,

and other SME join the herd & win, the whole SME Nation wins!

(Unlike most HMO plans)

Purple Cow advances the cause of SME Nation

86Why Purple Cow?

Purple Cow 2012

Competitive Advantages

Page 87: Purple cow eb for sme   2012 (sales presentation)

Virgins can Win Even More: You get a 1st year Virgin promo rate if your

company has never had group Medical Insurance or HMO coverage before.

(Unlike all HMO plans)

You get a lower 2nd year Virgin Renewal rate as well

87Why Purple Cow?

Purple Cow 2012

Competitive Advantages

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Purple Cow is Perfect for SME: Purple Cow is designed by SME, for SME.

It is the result of an AIM-ME business plan, and backed by years of broker experience.

(Unlike most HMO plans)

Enjoy all the benefits of Purple Cow innovation

88Why Purple Cow?

Purple Cow 2012

Competitive Advantages

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Purple Cow Grows as You Grow: If you grow BIG, you can opt to self-insure

using the same Purple Cow schedule of benefits, as well as the same HMO network.

(Unlike all TPA plans)You can transition smoothly from insured to self-insured

89Why Purple Cow?

Purple Cow 2012

Competitive Advantages

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8. SUMMARY8. SUMMARY What’s in it for…ME? What’s in it for…ME?

2012

Page 91: Purple cow eb for sme   2012 (sales presentation)

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

91♠ What’s in it for…Employees?

Purple Cow 2012

Summary

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HR Features HR BenefitsA 3-in-1 Employee Benefits package, not just an HMO plan

You get all 3 major employee benefits in one smart employer-paid package

A chance to compare HMO features and benefits easily

You won’t need to wait for a proposal: this presentation is your proposal

Multiple choices of Room & Board and Maximum Benefit Limits to pick from

You can adjust R&B and MBL combos to suit your organizational needs

3 forms to fill out (click ‘Join the Herd!’ at www.purplecow.ph to download)

You don’t need to create any forms: use ours (no utilization report required)

An opportunity to use Employee Benefits to perform key HR functions

You can use Purple Cow to recruit or retain staff, and to supply benefits

Purple Cow-negotiated renewal rates and terms for the whole calendar year

You won’t need to spend time reviewing renewal proposals every year

Representation by a top local Broker You get broker assistance all year long

1 schedule of benefits for all employees You can promote equal treatment

92♥ What’s in it for…HR?

Purple Cow 2012

Summary

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FIN Features FIN BenefitsA complete Employee Benefits package for the price of an HMO plan

You get the benefit of scale whenever you buy Purple Cow Employee Benefits

A chance to compare HMO rates easily, regardless of size

You get instant rates for the whole year: no need to wait or negotiate

4 ways to fit Purple Cow in your budget: annually, semi, quarterly, and monthly

You can pay for your healthcare costs according to your cash flow or budget

Membership in a bigger & bigger pool of SME (Small & Medium Enterprises)

You can spread your risk in good times and bad, and establish greater viability

Separation of Employee vs. Dependent utilization for pricing purposes

You can reduce the adverse effect of dependent utilization on price increases

An opportunity to use Employee Benefits to perform a key FIN function

You can use Purple Cow to limit your financial liability to the card

Purple Cow acts as Gatekeeper Purple Cow protects your interest

1 set of fixed costs for all employees You can eliminate variable costs

♦ What’s in it for…Finance?

93Purple Cow 2012

Summary

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CEO Features CEO Benefits

Happier Employees

very pogi

CEO!

Happier HR

Happier Finance

♣What’s in it for the…CEO?

94Purple Cow 2012

Summary

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9. CONCLUSIONS9. CONCLUSIONS Purple Cow is the ANSWER! Purple Cow is the ANSWER!

2012

Page 96: Purple cow eb for sme   2012 (sales presentation)

security peace of mind happiness focus productivity

A job with financial security:

96

MORE financial security = LESS worry at work

Purple Cow 2011

Conclusions

Page 97: Purple cow eb for sme   2012 (sales presentation)

anxiety depression state of emergency debt desperation

A job without financial security:

97

LESS financial security = MORE worry at work

Purple Cow 2011

Conclusions

Page 98: Purple cow eb for sme   2012 (sales presentation)

Treat PURPLE COW as:

1) a business investment (HR & FIN);

2) a social investment (CSR).

Our Broker Recommendation

98Purple Cow 2012

Conclusions

Purple Cow makes good business AND social sense

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5% of Salary: (max.)

that’s all you need for Purple Cow!

Your Bottom Line

99Purple Cow 2012

Conclusions

5% is the price to pay for EVERYONE’S peace of mind

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