Moo!

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

Gotuaco’s Purple Cow is a unique healthcare product that stands out in the field of EMPLOYEE BENEFITS.

Moo!

2Purple Cow Vision:

financial security through employee benefits.

Purple Cow believes that employee benefits are the keys to your financial security.

Purple Cow Mission:

to protect more and more Employees & Dependents from financial insecurity.

Purple Cow stops you from losing your money to all sorts ofmedical emergencies.

Purple Cow Core Value:

take care of the hands that take care of you!

Purple Cow provides the perfect complement to your compensation plan.

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

Group Life: P100,000 – P1,000,000

Group Accident: P100,000 – P1,000,000

Group Health: P20,000 – P200,000

More VALUE…

1

You get MORE benefits for all of your staff

Purple Cow 2011

Value Proposition

Purple Cow saves you up to 60% on the 2 most frequently selected Room & Board categories, when you combine them with our recommended Maximum Benefit Limits:

Ward 20T: P5,445 or P5,990

Semi-Pvt 30T: P6,756 or P7,444

+ Less PRICE…

2

You get LOWER rates for most of your staff

Purple Cow 2011

Value Proposition

(insured HMO plans apply to SME only; self-insured TPA plans apply to Large Companies [500+ employees])

Purple Cow provides Good News to each level of your organization:

Employees: More financial security

HR: Better recruitment & retention

Finance: Greater financial viability

CEO: Major ‘pogi’ points

= More HAPPINESS

3

You make EVERYONE happy – at the same time!

Purple Cow 2011

Value Proposition

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

1Purple Cow 2011

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

2Purple Cow 2011

Primer

• Paid vacations, 75% • Health insurance, 61%• Paid sick leave, 59%• Disability insurance, 41%• Education reimbursement, 39%• Pension plan, 30%• Life insurance, 29%• 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 2011

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 disability; (10% of inpatient & outpatient cases)

• HEALTH INSURANCE (Medical / Dental HMO and/or INS) protects you from losing money in the event of sickness or accident, and treats you as well (if HMO). (10% inpatient / 100% outpatient)

All insurance can make or save you money in multiples

4Purple Cow 2011

Primer

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 them from losing money to medical emergencies – the most common cause of their financial insecurity – in the most cost-effective manner;

• Because Employee life & health is not just corporate wealth, but also your Corporate Social Responsibility.

Insurance is the most cost-effective EB money can buy

5Purple Cow 2011

Primer

Why get the Purple Cow?

• The Purple Cow is UNIQUE: it’s not just an HMO plan, but all the 3 major Employee Benefits rolled into one plan;

• The Purple Cow is a good SELLING tool: it has all the features & benefits our Clients say they want or need;

• The Purple Cow makes a great PROPOSITION: Employee Benefits = Financial Security; therefore, More Employee Benefits = More Financial Security.

Purple Cow Employee Benefits = more financial security!

6Purple Cow 2011

Primer

ACCIDENT

2. ACCIDENT INSURANCE

a. Accidental Death * Murder

b. Accidental Disability * Assault

HEALTH

3. MEDICAL HMO * 21,519 MD, 352 hospitals, 358 clinics

4. DENTAL HMO * 775 dentists, 645 clinics

5. Opt. Annual Physical Exam * 124 hospitals, 241 clinics, 31 mobile

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

LIFE

1. LIFE INSURANCE * Total & Perm. Disability Income

LIFE – ACCIDENT – HEALTH

Benefits Overview

1Purple Cow 2011

Benefits

18. Dental = HMO (775 dentists / 645 clinics)6. Assault = __% of 5x MBL

24. Same benefits for all Dependents

23. Same benefits for all Employees

22. Health & Wellness Program (2x/year)

21. Opt. APE = designated or mobile clinic

20. 1 permanent filling, 2 oral prophylaxes, etc.

19. Dental access to major malls in Metro-Manila

17. Opt. Outpatient Reimb. for meds, dental, vision

16. Special procedures = 30% or 100% of MBL

15. Benefits on top of Philhealth

14. 100% Congenital Conditions coverage

11. HMO patient for no-cash-out

10. Max. Benefit Limits per disability per year

12. Private patient for reimbursement (HMO rate)

13. 100% Pre-Existing Conditions coverage

9. Combined inpatient & outpatient limits

8. Access to Big 5 Hospitals & Healthway

7. Medical = HMO (21,519 MD / 352 hospitals / 358 clinics)

5. Accid. disability = __% of 5x MBL (long sked)

4. Murder = 5x MBL

3. Accid. death = 5x MBL

2. Total & perm. disability income = 5x MBL

1. Life = 5x MBL

LIFE – ACCIDENT – HEALTH

Benefits Summary

2Purple Cow 2011

Benefits

Cost Summary (APE & O/P Reimb. extra)

3,2819,18817,39132,813

3,0548,55016,18430,536

200T

2,6727,48314,16426,724

160T

1,3043,6516,91213,04170T6181,7293,2736,17630T

1,3473,7727,14013,47280T6801,9033,6016,79540T

LRG PVT

(Top rank Med co

100-200)

SEMI PVT(Spvr)

1,5734,4038,33515,72680T6761,8923,5816,75630T

1,6834,7118,91816,826100T7422,0763,9307,41640T

1,8445,1649,77518,444120T8122,2744,3058,12250T

120TJR

SUITE (Top rank Large co

200+)

8792,4604,6578,78740T

SML PVT(Mgr)

9512,6645,0429,51350T

1,0322,8905,47110,32360T

1,1993,3566,35211,98560TREG PVT

(Top rank Small co 10-100)

5451,5252,8865,44520T

WARD(R+F)

MOQTRSEMIANNMBLR&BMOQTRSEMIANNMBLR&B

1Purple Cow 2011

Costs

VIRGIN RATES

JR SUITE (Top rank Large co

200+)

SML PVT(Mgr)

3,66210,25319,40836,618200T1,1403,1916,03911,39560T

Cost Summary (APE & O/P Reimb. extra)

3,4239,58318,13934,225

3,0058,41515,92830,052

160T

120T

1,4494,0567,67814,48770T6771,8963,5886,77030T

1,4924,1797,91014,92480T7432,0793,9367,42640T

LRG PVT

(Top rank Med co

100-200)

SEMI PVT(Spvr)

1,7544,9119,29617,54080T7442,0843,9457,44430T

1,8695,2339,90618,691100T8152,2814,3178,14640T

2,0445,72410,83520,444120T8902,4934,7198,90350T

9742,7275,1619,73840T

1,0522,9455,57510,51850T

1,3323,7317,06213,32460TREG PVT

(Top rank Small co 10-100)

5991,6773,1755,99020T

WARD(R+F)

MOQTRSEMIANNMBLR&BMOQTRSEMIANNMBLR&B

3Purple Cow 2011

Costs

NON-VIRGIN RATES

1 ‘Large’ Size Fits All SME: If you are an SME, with 10+ employees, you can join Purple Cow, be part of a bigger group, and be treated like a large company.

(Unlike most HMO plans)

You can enjoy the same toys as the Big Boys

1Why Purple Cow?

Purple Cow 2011

Competitive Advantages

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

(as well as the same costs in 2011).

(Unlike most, if not all, HMO plans)

Your Dependents are treated like Employees

19Why Purple Cow?

Purple Cow 2011

Competitive Advantages

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

20Why Purple Cow?

Purple Cow 2011

Competitive Advantages

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

21Why Purple Cow?

Purple Cow 2011

Competitive Advantages

31

Non-Employees can Win, too: you can even cover agents, associations, and multi-purpose cooperatives, as long as

certain selection & payment criteria are met.

(Unlike most HMO plans)You can offer Employee Benefits to Non-Employees

Why Purple Cow?

Purple Cow 2011

Competitive Advantages

Virgins can Win Even More: you get a 1st year Virgin promo rate

if your company has never had group insurance or HMO before.

(Unlike all HMO plans)

You can renew at the prevailing Non-Virgin rates in 2012

32Why Purple Cow?

Purple Cow 2011

Competitive Advantages

Large Companies can do a TPA: if you become a Large Company, you can self-insure as a stand-alone account, using the same Purple Cow schedule of benefits.

(Unlike all TPA plans)You can switch from insured to self-insured plans easily

33Purple Cow 2011

Competitive Advantages

Why Purple Cow?

You have 2-3 networks for no-cash-outMedical, Dental, and opt. APE networks

You can see your own doctor and get reimbursed the HMO doctor’s fee

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

You are covered for existing illnesses as well as for conditions since birth

100% Pre-Existing Conditions and 100% Congenital Conditions coverage

You get full HMO & Philhealth benefitsBenefits on top of Philhealth

You can add the best perks of medical insurance to your Employee Benefits

Optional outpatient reimbursement for Rx medicines, dental & vision

You can get treated anytime, anywhere1 health card for every employee

You won’t need any life insurance, PA insurance, or memorial plans

Life (or Disability Income) and Accident (or Murder/Assault) = 5x MBL

You get to experience even more financial security from your EB plan

A complete Employee Benefits package made up of insurance and HMO plans

EE BenefitsEE Features

1♠ What’s in it for…Employees?

Purple Cow 2011

Summary

You won’t have to stress over renewalsGroup renewal rates on New Year’s

You can outsource your EB work, etc. Retention of a top insurance broker

You won’t need to create any forms; you can just use ours

3 simple forms to fill out (1 master-list, 1 endorsement, 1 letter of guarantee)

You can adjust your R&B/MBL combos to suit your organizational structure

Multiple Room & Board as well as Maximum Benefit Limits to choose from

You can promote equal treatment1 schedule of benefits for all employees

You can use Purple Cow as a tool to recruit and/or retain staff

You won’t need to wait for a quote or negotiate: one price fits all SME

You get life & accident to complement health in a single, integrated package

HR Benefits

A chance to use Employee Benefits for recruitment & retention purposes

Instant rates, without utilization reports, regardless of the size of your SME

A complete Employee Benefits package instead of just an HMO plan

HR Features

2♥ What’s in it for…HR?

Purple Cow 2011

Summary

Your Cowboy runs the HerdYour Broker acts as Gatekeeper

You can budget your healthcare costs according to your cash flow

4 ways to pay to suit your budget: annually, semi, quarterly, and monthly

You can correct your past mistakes, and not wait a whole year to do so

A chance to switch to Purple Cow anytime, even in mid-year

You can limit your financial liability1 set of fixed costs for all employees

You can lower your EB costs instantly

You can pay for your employees only, and not subsidize dependents at all

You can spread your risk by joining the Purple Cow pool

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

FIN Benefits

A chance to compare rates instantly

Separation of Employee vs. Dependent utilization

Membership in a bigger & bigger pool of SME, to maintain financial viability

A complete Employee Benefits package for the price of an HMO plan

FIN Features

♦ What’s in it for…Finance?

3Purple Cow 2011

Summary

very pogi

CEO!

CEO Benefits

Happier Finance

Happier HR

Happier Employees

CEO Features

♣What’s in it for the…CEO?

4Purple Cow 2011

Summary

Compensation in the PH cannot provide enough financial security in emergencies, and must rely heavily on support;

Employee Benefits can provide that needed support, as most ‘emergencies’ are either life, accident or health-related.

The Problem… The Solution…

1Purple Cow 2011

Conclusions

Compensation + Benefits offer the best 1-2 punch for HR

“Employee Benefits = financial security”

If Purple Cow = more Employee Benefits, then Purple Cow = more financial security!

The Formula… The Brand…

2

Purple Cow offers the best EB formula for growing SME!

Purple Cow 2011

Conclusions

5% of Salary (Max!):

that’s all you need for Purple Cow.

The real cost of Purple Cow:

5Purple Cow 2011

Conclusions

If you can’t give more compensation, give more benefits!

Treat Purple Cow as:

a business investment (HR & FIN);

a social investment (CSR).

Our Recommendation:

6Purple Cow 2011

Conclusions

Purple Cow makes good business & social sense

For more information, please contact:

DisclaimerRenowned 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.”