2012

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Dental

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

What are the most common EB?

All 4 insurance benefits are offered by Purple Cow

3

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

Purple Cow 2012

EB Primer

Benefits OverviewLIFE – ACCIDENT – HEALTH

LIFE

1. LIFE INSURANCE

* Terminal Illness Rider

* Total & Perm Disability Income

HEALTH

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

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

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

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

ACCIDENT

2. ACCIDENT INSURANCE

a. Accidental Death * Murder

b. Accidental Disablement * Assault

1Purple Cow 2012

Benefits

Benefits SummaryLIFE – ACCIDENT – HEALTH

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

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

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

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

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

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

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

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

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

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

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

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

2Purple Cow 2012

Benefits

4. 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

11Purple Cow 2012

Benefits

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

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

(Unlike most HMO plans)

You get all the Employee Benefits you will ever need

3Why Purple Cow?

Purple Cow 2012

Competitive Advantages

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

20Why Purple Cow?

Purple Cow 2012

Competitive Advantages

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

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

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

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

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

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

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

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

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

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

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

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

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

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

1♠ What’s in it for…Employees?

Purple Cow 2012

Summary