Audiologist

1. 10 SPECIALIZED DOCTORS
1. Audiologist
Audiologists specialize in ear related issues, particularly with regard to hearing loss
in children. These doctorswork with deaf andmute children to assist in their learning
to communicate. They
2. Anesthesiologist
Anesthesiologists study the effects and reactions to anesthetic medicines and
administer them to a variety of patients with pain-killing needs. They assess illnesses
that require this type of treatment and the dosages appropriate for each specific
situation.
3. Cardiologist
Cardiologists specify in the study and treatment of the heart and the many diseases
and issues related to it. They assess the medical and family history of patients to
determine potential risk for certain cardiovascular diseases and take action to
prevent them.
4. Dermatologist
Dermatologists study skin and the structures, functions and diseases related to it.
They examine patients to check for such risk factors as basal cell carcinoma (which
signals skin cancer) and moles that may eventually cause skin disease if not treated
in time.
5. Endocrinologist
Endocrinologists specify in illnesses and issues related to the endocrine system and
its glands. They study hormone levels in this area to determine and predict whether
or not a patient will encounter an endocrine system issue in the future.
6. Epidemiologist
Epidemiologists search for potential diseases that may crop up and cause a great deal
of problems for a population and look for vaccinations for current terminal diseases,
such as cancer and HIV/AIDS.
7. Immunologist
Immunologists study the immune system in a variety oforganisms,including humans.
They determine the weaknesses related to this system and what can be done to
override these weaknesses.

2. 8. Infectious Disease Specialist
Infectious Disease Specialists are often found in research labs and work with viruses
and bacteria that tend to cause a variety of dangerous diseases. They examine the
source of these organisms and determine what can be done to prevent them from
causing illnesses.
9. Neurologist
Neurologists work with the human brain to determine causes and treatments for such
serious illnesses as Alzheimer’s, Parkinson’s, Dementia, and many others. In addition to
research on the brain stem, neurologists also study the nervous system and diseases that
affect that region.
10. Neurosurgeon
Neurosurgeonsoperateonthehumanbrainand bodyto treat and curediseasesaffecting the
nervous system and brain stem. They work to alleviate symptoms from serious brain
illnesses that cause patients a great deal of physical and emotional pain.

3. TYPES OF APPEALS IN ADVERTISING
1. Humor
Humorappealsmake consumerslaughand create an emotional link with the product. A well-
executed humor appeal enhances recollection, evaluation and the intent to purchase the
product. Advertisers link the product with the humor. For example, a humorous insurance
ad hits the mark when the humor shows the consumer why having insurance is beneficial.
Using humor at the expense of one group may lead to resentment. Senior citizens may resent
a product that portrays them as grumpy, while women may refuse to purchase a product
that portraysthem as overbearing.Humorousadsworkbestwith established andcommonly
purchased products such as cellphones, fast food and alcoholic beverages.
2. Bandwagon
A bandwagon appeal makes consumers believe they are missing out by addressing the
consumer’s need to belong. Food and drink ads show hip young adults enjoying a product
and ignoring the individual who chooses the less popular product. Medical products show
consensus by indicating the number of medical professionals who support the product. For
example, a cold medicine ad may say, "Eight out of 10 doctors recommend this product" to
show product effectiveness. Automobile dealers and cellphone providers give sales and user
statistics to indicate why their product is the more preferred. This type of message says buy
this product because everyone does. If done correctly, the consumer will purchase the
product. Bandwagon appeals can backfire in that the consumer’s desire to fit in can conflict
with the ability to make a rational decision.

4. 3. Testimonial Appeal
People relate to their favorite personalities from the glamor industry. They are ready to
follow what people from the glamor world do. They want to be like the celebrity they are
fans of. Testimonials make use of this human tendency. Celebrities are used as
ambassadors. They are shown using the product and recommending its use. People fall for
these products just because they see someone famous endorsing them.
4. Snob Appeal
Snob appeal is an exact reverse of the bandwagon technique. In this advertising appeal,
people are induced to buy a certain product so that they can stand out from the crowd. It is
often indicated that buying that product will make them look different from the rest. It is
indicated that the product is not affordable for common people. A sense of exclusivity is
attached to the products.

5. 5. False advertising
The use of false or misleading statements in advertising, and misrepresentation of the
product at hand, which may negatively affect many stakeholders, especially consumers. As
advertising has the potential to persuade people into commercial transactions that they
might otherwiseavoid, many governmentsaroundthe worlduse regulationsto controlfalse,
deceptive or misleading advertising. Truth refers to essentially the same concept, that
customers have the right to know what they are buying, and that all necessary information
should be on the label.

6. 5 HEALTH INFORMATION (FOCUSING ON CONSUMER HEALTH)
1. HONEY
 Alleviates Allergies
Honey’santi-inflammatory effectsand ability to soothecoughshasled to thebelief it can also
reduce seasonal allergy symptoms. Although there are no clinical studies proving its
efficacy, Dr. Matthew Brennecke, a board certified naturopathic doctor practicing at
the Rocky Mountain Wellness Center in Fort Collins, Colo., told Medical Daily in an email, "A
common theoryis that honey acts like a natural vaccine." It contains small amounts ofpollen,
which if the body is exposed to small amounts of it, it can trigger an immune response that
produces antibodies to the pollen. "After repeated exposure, you should build up these
antibodies and the body should become accustomed to their presence so that less histamine
is released, resulting in a lesser allergic response."
 All-Natural Energy Drink
Honey is an excellent source of all-natural energy at just 17 grams of carbohydrates per
tablespoon. This natural unprocessed sugar — fructose and glucose — directly enter the
bloodstream and can deliver a quick boost of energy. The rise in blood sugar acts as a short-
term energy source for your workout, especially in longer endurance exercises.
Brennecke said there is a con to adding honey to your workout. “If your goal in exercising is
to increase muscle mass, working out on an empty stomach first thing in the morning is the
way to go. When your body is in starvation mode (upon waking in morning), and you start
exercising, you release insulin-like growthfactor-1 (IGF-1), which will help you build bulk,”
he said. Brennecke does warn this only works when blood sugars are low.
 Boosts Memory
The sweet nectar is loaded in antioxidants that may help prevent cellular damage and loss
within the brain. A 2011 study published in Menopause found a daily spoonful of Malaysian
honey may boost postmenopausal women’s memory, which can provide an alternative
therapy for the hormone-related intellectual decline. After four months of taking 20 grams
of honey a day, the women were more likely to have better short-term memory than their
counterparts who took hormone pills.
Honey’s ability to help the body absorb calcium, according to Brennecke, helps aid brain
health. The brain needs calcium in order to process thought and make decisions. “As our
populations continue to get older and older, the likelihood of dementia setting in because of
poor intake of vitamins and minerals continues to get higher and higher,” he said.

7.  Cough Suppressant
Honeycan bethe all-natural curewhen it comesto pesky colds. Apersistent coughthat won’t
go away can easily be remedied with two teaspoons of honey, according to a 2012 study
published in the journal Pediatrics. Children between the ages of 1 and 5 with nighttime
cough due to colds coughed less frequently when they received two teaspoons of honey 30
minutes before bed.
The golden liquid’s thick consistency helps coat the throat while the sweet taste is believed
to trigger nerve endings that protect the throat from incessant coughing. Honey is believed
to be as effective as the common cough suppressant ingredient dextromethorphan. It can be
used in treating upper respiratory tract infections.
 Sleep Aid
Honey can be a health aid for sleepless nights. Similar to sugar, honey can cause a rise in
insulin and releaseserotonin —aneurotransmitterthat improvesmoodandhappiness.“The
body converts serotonin into melatonin, a chemical compound that regulates the length and
the quality of sleep,” Rene Ficek, registered dietitian and lead dietitian nutritionist at Seattle
Sutton's Healthy Eating in Chicago, Ill., told Medical Daily in an email.
Moreover, honey also contains several amino acids, including tryptophan that is commonly
associated with turkey. Honey’s steady rise in insulin, according to Brennecke, causes the
tryptophan in honey to enter the brain, where it’s then converted into serotonin and then
into melatonin, which is a sleep aid. This hormone is responsible for regulating sleep and
wake cycles.
 Treats Dandruff
Honey can bring temporary relief to the scalp by targeting dandruff. A 2001 study published
in the European Journal of Medical Research found applying honey diluted with 10 percent
warm water to problemareasandleaving it onforthreehoursbeforerinsingledto itch relief
and no scaling within a week. Skin lesions healed within two weeks and patients even
showed an improvement in hair loss. The patients did not relapse even after six months of
use.
Thanks to honey's antibacterial and antifungal properties, it can also treat seborrheic
dermatitis and dandruff, which are often caused by an overgrowth of fungus. Moreover,
“honey also has anti-inflammatory properties, which address the redness and itching on the
scalp,” Brennecke said.
 Treats Wounds And Burns
Honey is a natural antibiotic that can act both internally and externally. It can be used as a
conventional treatment for wounds and burns by disinfecting wounds and sores from major

8. species of bacteria such as methicillin resistant Staphylococcus aureus (MRSA). A 2005 study
published in the British Journal of Surgery found all but one of patients who suffered from
wounds and leg ulcers showed remarkable improvement after applying a topical application
of honey.
Dr.Diane Radford, a breast surgical oncologist in St. Louis, Mo., told Medical Daily in an email,
Manuka honey has antibacterial properties for wound healing. “The precursor for the active
antibacterial agent methylglyoxal (MGO) comes from the nectar of mānuka trees. A
specialized research unit at the University of Waikato is looking into the conversion to the
active product,” she said.
Honey has been utilized for its medicinal properties for over 2,000 years and continues its
legacy as a multipurpose health aid.
2. YOGURT
 Yogurt can give you flat abs.
Eat 18 ounces a day and you can drop a jeans size. People who ate that much — in
conjunction with cutting their total calories — lost 22 percent more weight and 81 percent
more belly fat than dieters who skipped the snack, according to research from the University
of Tennessee, Knoxville. They also retained one-third more calorie-torching lean muscle
mass, which can help you maintain weight loss. "Fat around your waist produces the
hormone cortisol, which tells your body to accumulate even more belly flab," says nutrition
professor and lead study author Michael Zemel, PhD. When you eat yogurt, the calcium
signals your fat cells to pump out less cortisol, making it easier for you to drop pounds, while
the amino acids help burn fat.
Yogurt may help with osteoporosis
Yogurt provides calcium to help maintain bone density and strength throughout life.
"Low fat yogurt is a great source of calcium which we need for strong bones," according to
food coach and dietitian Sasha Watkins.
BDA spokesperson Rebecca Dunn says: "Adults require 700mg of calcium per day and one
standard pot (150g) of yogurt will provide a third of this. Calcium is important at all ages, as
it promotes healthy teeth and bones and prevents diseases such as osteoporosis."
Osteoporosis is a disease that causes the bones in our body to become fragile and prone to
breaking. The National Osteoporosis Society says it's important to have a well balanced
calcium rich diet to provide all the nutrients your bones need, and to make sure you get
enough vitamin D.

9.  Most brands of yogurt contain good-for-you bacteria.
The words "live and active cultures" on the container mean that your yogurt has probiotics,
beneficial bugs that live in your digestive tract and help crowd out harmful microorganisms
that can cause intestinal infections. (Only a very small number of companies put yogurt
through a post-pasteurization process that kills off all bacteria.)
But many varieties now also contain special strains ofprobiotics meant to help regulateyour
digestion or strengthen your immune system. The research on them isn't conclusive,
however. "If you suffer from a particular health problem, like bloating or diarrhea, it's worth
trying one of these products for a couple of weeks to see if it helps," says FITNESS advisory
board member Dawn Jackson Blatner, RD. Otherwise, save a few dollars and stick to
conventional brands.
 Yogurt is loaded with vitamins.
One serving is a significant source of potassium, phosphorous, riboflavin, iodine, zinc, and
vitamin B5 (pantothenic acid). Yogurtalso contains B12,which maintains red bloodcells and
helps keep your nervous system functioning properly. "Vitamin B12 is found mostly in
animal products, such as chicken and fish, so strict vegetarians can easily fall short," says
Jackie Newgent, RD, a FITNESS advisory board member and author of Big Green Cookbook.
Eating more yogurt can help close the nutrient gap: An eight-ounce serving contains 1.4
micrograms of the vitamin, about 60 percent of what adult women need daily.
 A cup of yogurt a day can help you recover faster after a workout.
With the right ratio of protein to carbohydrates, yogurt, particularly high-protein Greek
yogurt, makes an excellent post-sweat-session snack. "The perfect time to grab a container
is within 60 minutes of exercise," says Keri Gans, RD, a nutritionist in New York City. The
proteinprovidesthe amino acids yourmuscles needto repairthemselves, Gans explains, and
the carbohydrates replace your muscles' energy stores, which are depleted after a hard
workout. It's a bonus if you drink a bottle of water along with it: The protein in yogurt may
also help increase the amount of water absorbed by the intestines, improving hydration.
 Not all yogurt is equal when it comes to calcium and vitamin D.
Since it naturally contains calcium, you'd think the amount would be the same no matter
which yogurt youpick. Wrong."The levels can varywidely frombrandto brand,so youreally
need to check the label," Newgent says. How much is in a container depends on processing.
For instance, fruit yogurt tends to have less calcium than plain because the sugar and fruit
take up precious space in the container. "Vitamin D isn't naturally in yogurt, but because it
helps boostcalcium absorption,most companiesadd it," Newgent explains. Reach forbrands
like Stonyfield Farms Fat Free Smooth and Creamy and Yoplait Light Thick & Creamy, which
contain at least 20 percent of your daily value for both nutrients.

10.  Yogurt may prevent high blood pressure.
Every day 70 percent of us consume more than twice the recommended amount of salt; over
time that can lead to hypertension and kidney and heart disease. The potassium in yogurt,
almost 600 milligrams per eight ounces, may help flush some of the excess sodium out of
your body. In fact, adults in a study in the American Journal of Clinical Nutrition who ate the
most low-fat dairy — two or more servings daily — were 54 percent less likely to develop
high blood pressure than those who ate the least.
 A daily serving of yogurt keeps colds away.
Dig into four ounces each day and you may find yourself sniffle-free in the months ahead,
according to a study at the University of Vienna. Women eating this amount had much
stronger and more active T cells, which battle illness and infection, than they did before they
started consuming it. "The healthy bacteria in yogurt help send signals to the immune-
boosting cells in your body to power up and fight off harmful bugs," says lead study author
Alexa Meyer, PhD, a nutrition researcher at the university. Allergy sufferers, who typically
have low levels of certain T cells, may also find relief by adding yogurt to their diets. In a
study in the Journal of Nutrition, people who ate seven ounces a day had fewer symptoms
than those who opted for none at all.
 Yogurt can help your smile.
Despite its sugar content, yogurt doesn't cause cavities. When scientists at Marmara
University in Turkey tested low-fat, light, and fruit flavors, they found that none of them
eroded tooth enamel, the main cause of decay. The lactic acid in yogurt appears to give your
gums protection as well. People who eat at least two ounces a day have a 60 percent lower
risk of acquiring severe periodontal disease than those who skip it.
 Raw doesn't mean better.
Virtually all the yogurt in your grocery store has been pasteurized — that is, exposed to high
temperatures to kill any harmful pathogens. Raw-dairy fans claim that unpasteurized milk,
yogurt, and cheese are better for you because they contain more health-boosting bacteria,
but pasteurization doesn't destroy beneficial probiotics, Newgent explains. Plus, studies
show that those who eat raw yogurt don't have stronger immune or digestive systems than
people who stick to the pasteurized stuff. And raw-dairy products carry a risk of food
poisoning. "E. coli and salmonella are two of the pathogens that can lurk in these foods and
end up in your body," Newgent says.
 Yogurt is a high-protein food.
Yogurt can be an excellent source of protein, but "one variety may contain more than double
the protein of another," Blatner says. Greek yogurt, which is strained to make it thicker, has
up to 20 grams of protein per container; traditional yogurt may have as few as five grams. If

11. you're eating it for the protein, look for brands that provide at least eight to 10 grams per
serving.
3. LIPTON TEA
 Antioxidant Components
The leaves of a plant (Camellia sinensis) are used to make most teas, including those
produced under the Lipton brand. White and green teas contain fresh, unrolled leaves, while
leaves in black tea are first rolled and broken before drying. Because of this difference,
compounds in white, green and black teas are also somewhat different. But all contain
flavonoids, including theaflavins and catechins, which are in black and green tea,
respectively. They are both potent antioxidants, according to a study published in the
September2001issue ofthe "JournalofNutrition." Antioxidants help protectyourbodyfrom
free radicals, unstable molecules that form in your body and, over time, can raise your risk
of cancer, heart disease and other disorders.
 Cardiovascular Benefits
Research suggests that consuming tea may benefit your heart and blood vessels, potentially
reducing your risk of heart disease and stroke. For example, a study published in the March
2013 issue of "Annals of Epidemiology" that followed almost 75,000 men and women for 10
years found that daily consumption of 4 or more cups of black tea was associated with a
lower the risk of stroke. Drinking tea might also help relax blood vessels, widening them and
helping reduce blood pressure, and it could also lower your risk of atherosclerosis, or
hardening of the arteries, according to other research studies. Although research in this area
is promising, large clinical trials are still needed to confirm these benefits.
 Cancer Prevention
Research also suggests that compounds in white, green or black Lipton tea might help
protect you from carcinogenic chemicals and suppress or prevent the growth of cancer.
Although much of this research has been done in the laboratory, several studies with human
subjects produced promising results. For example, a large study published in 2002 in
"Cancer Causes and Control" studied 34,000 women for 12 years. It found that those whose
diet was rich in tea catechins had significantly less rectal cancer than controls, while
stomach, pancreatic and blood cancers also tended to be reduced, although this wasn't
statistically significant. Another study published in 2013 in "Nutrition and Cancer" found a
similar association between green tea drinking and lower rates of esophageal cancer.
4. RED WINE
 Memory Protection Against Alzheimer’s Disease: The powerful antioxidant resveratrol
protects against cell damage and prevents age-related mental decline.

12.  Mimics Gym Time: Resveratrol is also responsible for heart-healthy benefits, including
improved physical performance and muscle strength. It also mimics cardiovascular
enhancements similar to exercise. But the benefits are limited, so don’t always trade in
your cardio for cabernet.
 Cancer Treatment: Researchers aren’t exactly sure how, but another active antioxidant
in red wine known as quercetin works against cancer cells, according to the American
CancerSociety. It helps to induce naturalcell death in certain types ofcancers, most often
colon cancer.
 Promotes Long Life: Red wine drinkers have a 34 percent lower mortality rate than beer
or vodka drinkers, according to a 29-year-long study. Resveratrol is the polyphenol that
could be responsible for its longevity benefits. But researchers think any diet rich in
polyphenols, which are known to protect against the development of chronic diseases —
they're found amply in red wine — could be why.
 Lowers Risk Of Heart Disease and Stroke: Red wine tannins, which are what make red
wine the color red, contain procyanidins — known for protecting against heart disease.
Resveratrol also helps to remove chemicals responsible for causing blood clots, which is
the primary cause of coronary disease. A daily dose of red wine cuts blood clot-related
stroke rates by 50 percent.
5. STEVIA
Stevia herb parts are very low in calories. Parts by parts, its dry leaves possess roughly 40
times moresweetness than sugar.This sweetnessquality in stevia is dueto severalglycoside
compounds including stevioside, steviolbioside, rebaudiosides A-E, and dulcoside.
Stevioside is a non-carbohydrate glycoside compound. Hence, it lacks the properties that
sucrose and other carbohydrates possess. Stevia extracts, like rebaudioside-A, are found to
be 300 times sweeter than sugar. Besides, being a near-zero calorie food ingredient, stevia
extracts have several unique properties such as long shelf life, high temperature tolerance,
non-fermentative.
Further, stevia plant has many sterols and antioxidant compounds like triterpenes,
flavonoids, and tannins. Some of flavonoid polyphenolic anti-oxidant phyto-chemicals
present in stevia are kaempferol, quercetin, chlorogenic acid, caffeic acid, isoquercitrin,
isosteviol…etc. Studies found that kaempferol can reduce risk of pancreatic cancer by 23%
(American journal of epidemiology).
Chlorgenic acid reduces enzymatic conversion of glycogen to glucose in addition to
decreasing absorption of glucose in the gut. Thus, it helps reduce blood sugar levels. Lab
studies also confirm a reduction in blood glucose levels and an increase in the liver
concentrations of glucose-6-phosphate, and of glycogen.
Certain glycosides in stevia extract have been found to dilate blood vessels, increase sodium
excretion, and urine output. In effect, stevia, at slightly higher doses than as sweetener, can
help lower blood pressure.

13. Being a non-carbohydrate sweetener, stevia would not favor the growth of Streptococcus
mutans bacteria in the mouth which is attributed to be a causative agent of dental caries and
tooth cavities. On the other hand, certain compounds in stevia rather found to inhibit caries
causing bacteria in the mouth.
In addition, being a herb, stevia contain many vitals minerals, vitamins that are selectively
absent in the artificial sweeteners.
5 HEALTHCARE INSURANCE
1. Philippine Health Insurance Corporation (PhilHealth)
Vision
"Bawat Pilipino, Miyembro,
Bawat Miyembro, Protektado,
Kalusugan Natin, Segurado"
Mission
"Sulit na Benepisyo sa Bawat Miyembro,
Dekalidad na Serbisyo para sa Lahat"
Core Values
Inobasyon
Serbisyong Dekalidad
Lubos na Integridad
Angkop na Benepisyo
Panlipunang Pagkakabuklod at
Ganap na Pagkalinga

14. The National Health Insurance Program (NHIP) administered by the Philippine Health Insurance
Corporation (PhilHealth) was established in 1995 with the passage of Republic Act (RA) 7875.
PhilHealth tookover the Medicare functions previously administered by the Philippine Medical Care
Commission (PMCC) since 1972.
PhilHealth’s mandate is to provide health insurance coverage to all Filipinos. In 1997, it assumed
Medicare functions for government workers from the Government Service Insurance System (GSIS)
and a year later, for the private sector workers, which was previously administered by the Social
Security System (SSS). In the same year, PhilHealth started the Indigent Program.
In partnership with LocalGovernment Units (LGUs),PhilHealthhas enrolled millions of families who
otherwise have no access to health services. Since then, this program has been at the heart of
PhilHealth’s program and now forms the bulk of membership
Mandatory Coverage
All citizens of the Philippines shall be covered by the National Health Insurance Program.
Enrollment
The process of enrollment shall include the identification of beneficiaries, issuance of appropriate
documentation specifying eligibility to benefits, and indicating how membership was obtained or is
being maintained.” (RA 10606)
The Corporation shall enroll beneficiaries in order for them to avail of benefits under this Act with
the assistance of the financial arrangements provided by the Corporation under the following
categories:
* Members in the formal economy
* Members in the informal economy
* Indigents
* Sponsored members
* Lifetime members
Health Insurance Identification (ID) Card and ID Number

15. In conjunction with the enrollment provided above, the Corporation through its local office shall
issue a health insurance ID with a corresponding ID number which shall be used for purposes of
identification, eligibility verification, and utilization recording. The issuance of this ID card shall be
accompanied by a clear explanation to the enrollee of his rights, privileges and obligations as a
member. A list of health care providers accreditedby the LocalHealth Insurance Officeshalllikewise
be provided to the member together with the ID card.
INSURANCE PLANS
Members and their dependents are entitled to the following minimum services, subject to the
limitations specified in this Act and as may be determined by the Corporation:
 Inpatient hospital care
 room and board
 services of health care professionals
 diagnostic, laboratory, and other medical examination services
 use of surgical or medical equipment and facilities
 prescription drugs and biologicals, subject to the limitations stated in Section 37 of
this Act
 inpatient education packages
 Outpatient care
 services of health care professionals
 diagnostic, laboratory, and other medical examination services
 personal preventive services
 prescription drugs and biologicals, subject to the limitations described in Section 37
of this Act
Emergency and transfer services
Such other health care services that the Corporation and the DOHshall determine to be appropriate
and cost-effective
2. Philippine American Life and General insurance Company (Philam Life)

16. Our Vision
We are the undisputed leader in insurance and wealth management.
Our Mission
We empower Filipinos to achieve financial security and prosperity.
About Philam Life
The Philippine American Lifeand General Insurance Company (Philam Life) is the country’spremier
life insurance company. Established on June 21, 1947 by Cornelius Vander Starr with Earl Carroll as
founding president, Philam Life served as a “house of savings” to help Filipinos recover from the
ravages of WorldWar II. Mr. Carroll envisioned “tohave a Philam Life policy in every Filipino home,”
which has become the driving force behind the dynamic growth of Philam Life.
Forover65 years, Philam Lifehas helped generations of Filipino families to plan, protectand prepare
for life by providing solutions to various financial needs including life protection, health insurance,
savings, education, retirement, investment, group and credit life insurance. Our experience has
allowed us to help millions of people achieve their goals, and to be there for them in harder times.
We know that real life never stops changing, and that people need a partner who understands and
supports them through life’s challenges and opportunities. We are committed to genuinely engaging
with our customers through meaningful dialogue (usap tayo) because through this, we will be able
to provide them with the right solutions and the right plans to turn struggles into success, fears into
peace of mind and dreams into reality.
Today, we at Philam Life are proud to be part of AIA, “The Real Life Company.”
INSURANCE PLANS
 Unit-Linked Health Plans
When a health concern arises, will you be financially prepared?
Prepare now with Health Invest.
Health Invest is a unit-linked health and life insurance plan that provides financial
protection from serious sickness, accidents or loss of life. Plus, it lets you build a
fund for your future health care needs. It can be payable in as short as 3, 5, 7 or 10
years.
Get comprehensive health and accident coverage2
Get a lump sum cash benefit in case you get diagnosed with any of 56 covered
critical illnesses before you reach age 75. You will then be exempted from future
premium payments while your plan continues3.
Get additional cash benefits in case you get serious accidental injuries or disabilities.
Use all these benefits to supplement your HMO coverage.
Build a Health Fund for future healthcare needs

17. Get access to expertly-managed investment funds so you can grow a fund for health
maintenance or other costs in your retirement years.
Secure your family’s needs no matter what happens
Leave behind the higher of your life insurance coverage or your Health Fund to your
loved ones in case the unexpected happens. Additional life insurance coverage will
also be given in case of accidental loss of life.
 Critical Conditional Plan
You do not want treatment and medical expenses to overpower you when battling
cancer.* Philam Life’s Cancer Life Shield will support you in your battle against
the big C.
Immediate Financial AssistanceforYourTreatmentandMedication
 Youcan receivea lump sum cash benefit depending on yourpolicy'sface amount
right upon your first diagnosis of cancer depending on your chosen plan.
Renewable and Customizable Package
 Youcan renew yourcoverage yearly for better protection.
 Accident Plan
You don’t want the fear of the unknown to stop you from experiencing life’s great
adventures. Philam Life’s 24-Hour Plus provides day and night coverage for
accidents or serious injuries you might encounter anytime, anywhere.
ComprehensiveAccidentProtection
 Youcan get as much as 100% of yourface amount* in case of accidental death or
disablement.
 Youcan receivea monthly cash benefit equal to 3% of yourface amount starting on
the 7th month of continuous, permanent, and total disability, for32 months. On the
33rd month, you can receiveyour remaining benefit equal to 4% of your principal
sum.
 Youwill receive an additional 25% of your faceamount for coveredaccidental
losses or dismemberment.
RenewableandCustomizablePackage
 Your faceamount willincrease by 5% each year for the first five consecutive
years.**
 Youcan further increase yourprotection with the followingoptional benefits:
o Medical Reimbursement: You can reimburse up to a maximum of P100,000
of your medical expenses incurred due to an accident.
o Weekly Indemnity Benefit: Youcan receive as much as P2,000 weekly
income, up to a maximum of 26 weeks, in case of temporary disability.
o Familia Option: Youhave the option to extend youraccident protection
benefits to yourloved ones.
 Our Daily Hospital Allowance Plan

18. LifetimeComprehensiveProtection
 Youcan protectyour health and well-being withthe following*:
o Daily Hospital Income Benefit: Get daily cash benefit for each day of
hospitalization to replace your lost income due to confinement.
o Long-Term Hospitalization Benefit: Receive an additional daily cash benefit
for hospital stays over30 days.
o Intensive Care Unit Benefit: Receive an additional daily cash benefit for ICU
confinement.
o Surgical AllowanceBenefit: Reimburse youractual charges** forany
operation performed during confinement.
o Critical Illness Hospitalization Benefit: Receive an additional daily cash
benefit if hospitalized due to Cancer***, Poliomyelitis,Muscular Dystrophy,
Multiple Sclerosis, and Cirrhosis of the Liver.
o Outpatient Treatment Benefit: Receive a daily cash benefit for up to three (3)
consultations, beforeor after yourhospital stay.
 Youwill also receivecash when youreach the age of 80 and the age of 100 to
celebrate your long life and good health.
GuaranteedAffordableHealthPlan
 With its fixed premium payments, youcan protect yourself from future premium
increases.
 Youhave the option to pay annually, semi-annually, quarterly or monthly to better
suit yourbudget.
Health100is availablein3packages:
 Silver (Lifetime Amount of Coverage of P1M)
 Gold (Lifetime Amount of Coverage of P2M)
 Platinum (Lifetime Amount of Coverage of P3M)
 Accident Plan
You don’t want the fear of the unknown to stop you from experiencing life’s great
adventures. Philam Life’s 24-Hour Plus provides day and night coverage for
accidents or serious injuries you might encounter anytime, anywhere.
ComprehensiveAccidentProtection
 Youcan get as much as 100% of yourface amount* in case of accidental death or
disablement.
 Youcan receivea monthly cash benefit equal to 3% of yourface amount starting on
the 7th month of continuous, permanent, and total disability, for32 months. On the

19. 33rd month, you can receiveyour remaining benefit equal to 4% of your principal
sum.
 Youwill receive an additional 25% of your faceamount for coveredaccidental
losses or dismemberment.
RenewableandCustomizablePackage
 Your faceamount willincrease by 5% each year for the first five consecutive
years.**
 Youcan further increase yourprotection with the followingoptional benefits:
o Medical Reimbursement: You can reimburse up to a maximum of P100,000
of your medical expenses incurred due to an accident.
o Weekly Indemnity Benefit: Youcan receive as much as P2,000 weekly
income, up to a maximum of 26 weeks, in case of temporary disability.
o Familia Option: Youhave the option to extend youraccident protection
benefits to yourloved ones.
With 24-Hour Plus, you can now have comprehensive round-the-clock worldwide
accident coverage.
3. Blue Cross Insurance Incorporated
Our Vision:
To be our clients’ recommended medical and travel insurance
Provider
Our Mission:
To help our clients protect their health and financial well-being by
providing value-for-money medical and travel insurance products
We Value:
• Integrity and Honesty
• Customer Focus
• Teamwork and Task Ownership

20. • Sense of Responsibility and Malasakit
• Results
Blue Cross Insurance, Inc. is a market specialist in medical, travel and accident insurance. Based in
the Philippines, and with sister companies in Thailand, Indonesia, Vietnam and other operating
entities in Hong Kong, Blue Cross is part of a wider group of insurance companies operating across
Asia, witha particular focuson the ASEAN region. The aim of the group is tobe recognized as market
leaders and Asian specialist insurers of medical and travellines. Blue Cross, originally named State
Bonding Corporation and Insurance, Co., Inc. was founded in the Philippines in 1949. In 1977, State
Bonding established a medicalinsurance division torespond to the growinghealth insurance market
in the Philippines. It was in 1986 that the company changed its corporate name to Blue Cross
Insurance, Inc. In 1996, Blue Cross ceased writing general insurance business to concentrate on its
specialized lines of medical, personal accident and travel insurance. Blue Cross is one of the most
financially stable companies in the market today. We have a current premium revenue of more than
Php 700 million per year, and assets amounting to more than Php 1.4 billion. Of the 71 non-life
Insurance Companies in 2013, we ranked No. 11 in terms of Premiums Earned. With a steadfast
commitment to growth and progress, Blue Cross aims to surpass these figures to further strengthen
ourposition in the yearsto come. BlueCross'sproductportfolioincludes adiverse range of medical
and travel insurance packages. We offer international US Dollar contracts, Euro Plans for travel, as
well as local Peso policies to individuals and groups. As a specialist provider in the marketplace,
our group includes a Health Maintenance Organization (HMO), Blue Cross Health Care, Inc. The
Company offers health care coverage with a no-cash-outlay facility, as well as Third Party
Agreements (TPAs). Blue Cross maintains a wide network of hospitals, clinics and medical facilities
across the Philippines. We have also established partnerships with numerous doctors, dentists and
medical specialists nationwide. We reach our clients through a variety of distribution channels.
Along with a solid base of in-house and direct Sales Account Executives, Blue Cross also maintains
relationships with over a thousand medical and travel agencies, brokers and intermediaries. To
ensure that we are able to adequately care for our clients at all times, we have partnered with
companies for International Emergency Assistance, and for other technology solutions for efficient
hospital administration and claims payment. We have also directed our effortsto harness the power
of information technology to ensure that our products are accessible to our clients and
intermediaries. Blue Cross is committed to constantly provide value and needs-based insurance
products coupledwithfair claims processing. Blue Cross, as a major brand in the industry formedical
and travel insurance, understands that health and financial security are among the most urgent and
pressing concerns of people today. As a company, Blue Cross seeks to address these concerns by
offering products and services designed to respond to our customers' needs and the changing times.
INSURANCE PLANS
Medical Plans for Individuals and Families
Dollar Plans

21. Blue Royale
A worldwide dollar plan that gives you complete freedom of choice for the best medical care.
Maximum aggregate limit per year is up to US$2,000,000.
Critical Cover Extra
A rider to our Blue Royale Medical Plan, this product helps address your fears and anxieties about
the future by providing a lump sum cash benefit forcritical illnesses such as cancer, heart attack and
stroke.
Blue Royale Premier
A worldwide dollar plan, specifically designed for senior citizens, that offers complete freedom of
choice for the best medical care. Maximum coverage limit per year is up to US$250,000.
Blue Royale DuoProtect
International Group Medical and Travel Plan especially designed for the Overseas Filipino Worker.
Maximum medical coverage of US$50,000.
Peso Plans
Select Standard
A peso plan that allows you to choose from your own medical provider and reimburse medical
benefits up to P3,000,000 for each disability per lifetime.
Select Plus

22. A peso plan that provides you an aggregate limit per year of up to P3,000,000 while using your own
doctor and hospital.
Enhance Your Select Coverage with our Access Facility!
Get no-cash-outlay in-patient medical treatment through our accredited network.
A medical plan designed for the young age market (age 21 to 40), with coverage up to PhP500,000
foraccident related expenses and selected PrincipalIllnesses (e.g. Dengue, Appendicitis, Pneumonia,
etc.). Also Offers Personal Accident and Out-Patient Benefits (including Dermatologic services), plus
a Blue Cross-Enjoy VIP Kit!
Premiere
A peso medical plan for the senior citizens that offers a maximum coverage of up to P1,500,000.
Medical Plans for Groups
Blue Cross Flexi for Groups of At Least 50 Members
Group medical plans that can be tailor fitted to suit clients needs. Open to group of at least 20 to 50
members, or to groups of at least 50 members. Available under reimbursement and no-cash-outlay
plans.
Blue Cross Flexi Baby Group (20 to 49 Members)
A group medical plan forgroups with20 to 49 employees. Wecan tailor-fithealthcare benefits to suit
clients' needs. Available under reimbursement only.
Healthline TPA
A Third Party Administration Agreement. Which allows the client to finance their own health plan

23. via a revolving fund, using the Blue Cross network of accredited medical provides for the no-cash-
outlay facility.
4. Intellicare
MISION and VISION
We are the country's PREEMINENT HMO, committed to lead, innovate, and trailblaze a holistic
approach to healthcare management.
As the HMO of FIRST CHOICE, all our endeavors and aspirations shall constantly adhere to the
highest level of ethical and performance standards, guided by our company's long-standing
principles of integrity, fairness, honesty, hard work, and an enduring sense of humanity.
The end in view of this commitment is and shall always be the upholding of the right of each
individual tohealth by making quality healthcare efficient,accessible,affordable,and compassionate.
Asalus Corporation was registered withthe Securities and ExchangeCommission in November 1995
primarily as a Health Maintenance Organization (HMO) engaged in the delivery of managed
healthcare services via comprehensive, systematic, and prevention-oriented health maintenance
programs or plans. Only six years thereafter, Asalus broke into the top five industry ranking to
emerge as the country'sfastest growing HMO in terms of market share. This phenomenal growth (a
7-year revenue CAGR of over 60% p.a.) has remained unparalleled to further catapult Asalus, three
years after, among the top three HMOs in the Philippines. With these milestone achievements, Asalus
has now secured the top twospot after barely a decade and a half of operation and is now poised to
contend for industry leadership.
Asalus Corporation is now popularly known as Intellicare, the brand name of its HMO business. Its
mission is to lead, innovate, and trailblaze a holistic approach to healthcare management by
consistently providing top-quality, highly-personalized healthcare services that are easily available,
accessible, and affordable.Its brand of serviceexcellence goes beyondthe usual norm of patient care
by adding to its multi-faceted dimensions Intellicare's compassion for member-patients.
Intellicare's promise of serviceexcellence has been fulfilled not by accidentbut by conscious design,
given formand substance by a well-fortified,countrywideinfrastructureforan effectiveandefficient
healthcare delivery system. Specifically, strategic alliances have been forged with a nationwide
network of more than 1,000 reputable hospitals, clinics, diagnostic centers, and other first-class
medical institutions that are manned by an affiliated pool of almost 15,000 of the country's well-
known, highly-regarded physicians and medical specialists. Uninterrupted delivery of top-grade
service is assured through a 24/7 callcenter and onsite Patient Relations Officersin each accredited
tertiary hospital.

24. Under Intellicare’s HMO Program, corporate clients gain access to Intellicare’s nationwide network
of medical providers based on a fixed and periodic payment agreed upon by both companies. Clients
under the HMO Programhave dedicated AccountOfficerswhohandleall queries and concernsraised
by the members, as well as Wellness Programs catered to their current health-related needs and
wants.
Who is eligible to enroll?
Single Proprietor/Partnership/Corporation duly registered with DTI or SEC to conduct business
in the Philippines.
Minimum of 10 regular employees.
Membership Eligibility
Principal members – eligible employees (as determined by the enrolling company) aged 18 and
not more than 65 years old
Dependents:
For married principals:
Legal spouse, not more than 65 years old
Children – legitimate, legally adopted or legitimated; unmarried, unemployed,
wholly dependent financially on the Principal member; not more than 21
years old
For single/unmarried principals:
Biological children – unmarried, unemployed, not more than 21 years old
Parents – not more than 65 years old
Siblings – unmarried, unemployed, wholly dependent financially on the Principal
member; not more than 21 years old
INSURANCE PLANS
Intellicare members have the privilege to avail of the following services at any accredited hospitals
and clinics nationwide.
ANNUAL PHYSICAL EXAM
Complete blood count
Physical examination
Urinalysis
Fecalysis
Chest x-ray
Electrocardiogram (for members age thirty-five (35) years and above, or if
indicated/prescribed)
Pap smear (for female members age thirty-five (35) years and above, or if
indicated/prescribed)
PREVENTIVE CARE
Periodic medical check-up
Management of health problems
Counseling on health habits (e.g. family planning, diet prescriptions)
Record keeping of medical history

25. Routine Immunization (except cost of vaccines)
OUT-PATIENT
Medical consultation during regular clinic hours, excluding prescribed medicines
Emergency room care
Referral to affiliated specialist/s
Eye, ear, nose, and throat consultations
Treatment of minor injuries and/or illnesses
Laboratory tests, x-rays, and other diagnostic exams prescribed by the Intellicare
physician
Minor surgery not requiring confinement
Speech and physical therapy
Pre-natal and post-natal consultations
IN-PATIENT CONFINEMENT
No deposit upon admission
Room and board benefits specified in contract
Use of operating room and recovery room facilities
Standard admission kit (e.g. ID bracelet, thermometer)
Professional services of all attending affiliated specialists and/or anesthesiologists
Anesthesia and medications
Blood transfusions and intravenous fluids
Laboratory tests, x-rays, and other diagnostic examinations
Administered medicines
Dressings, plaster casts, sutures, and other items directly related to the medical
management of the patient
ICU confinement/dialysis
CT scan and ultrasound (except for maternity cases)
Ambulance service
All other hospital charges deemed necessary by the Intellicare-affiliated physician
in the treatment of the patient
EMERGENCY CARE
IN ACCREDITED HOSPITALS
Doctor’s services
Medicines used
Oxygen and intravenous fluids
Dressings, casts, and sutures
Laboratory,x-ray,and otherdiagnostic examinations directly related tothe
emergency management of the patient
IN NON-ACCREDITED HOSPITALS
Intellicare agrees to reimburse up to eighty percent (80%) of the total
hospital bills including professional fees using the Intellicare Relative
Values Scale (RVS) but not to exceed Php 30,000.00.
IN FOREIGN COUNTRIES
Confinement in foreignterritory shall be treated as if the member had been
confined in a non-accredited hospital facility using the Intellicare
Relative Values Scale (RVS) but not to exceed Php 30,000.00.
IN AREAS WITHOUT ACCREDITED HOSPITALS
Intellicare agrees to reimburse up to one hundred percent (100%) of the
total hospital bills including professional fees using the Intellicare
Relative Values Scale (RVS) but not to exceed Php 30,000.00.
FINANCIAL ASSISTANCE INCLUDING ACCIDENTIAL DEATH AND DISMEMBERMENT (for

26. principal members only)
♦ Natural death Php 10,000.00
♦ Accidental death Php 20,000.00
♦ Loss of both hands Php 10,000.00
♦ Loss of both feet Php 10,000.00
♦ Loss of sight of both eyes Php 10,000.00
♦ Loss of one hand and one foot Php 10,000.00
♦ Loss of one hand and sight of one eye Php 10,000.00
♦ Loss of one foot and sight of one eye Php 10,000.00
♦ Loss of one hand or one foot Php 5,000.00
♦ Loss of sight of one eye Php 5,000.00
OPTIONAL BENEFIT (Dental Services)
Dental examination
Annual oral prophylaxis
Oral health education through chairside instruction
Orthodontic consultation (braces and malposition of teeth)
Pre-natal check of teeth and gums
Temporo Mandibular Joint (TMJ) consultation (clicking of jaws)
Conduct activities on dental health education (e.g. regarding AIDS)
Emergency dental treatment for the relief of pain
Gum treatment for cases like inflammation or bleeding
Temporary fillings
Simple extraction of unsavable tooth
Recementation of fixed bridges, crowns, jackets, inlays/outlays
5. Philippine Prudential Life Insurance Company Incorporated
Vision
Industry leader in innovation and growth. We are passionate, enthusiastic and committed as your
partner for life.
Mission
We are a reputable Filipino financial services company committed to providing products to our
valued clients through our multiple and accessible distribution channels.
AboutPhilippinePrudential:
The Philippine Prudential Life InsuranceCompany, Inc. (Philippine Prudential) is a leader in

27. innovation and growth in the life insurance industry in the country. Founded on February 18,
1963by the late businessman and philanthropist, Daniel L. Mercado,Sr., the Company is now run
by his grandson, Gregorio D.Mercado,as its Presidentand ChiefExecutiveOfficer. Also known
in the industry as “George,”, Mr. Mercado has been an active member of the Philippine Life
Insurance Association (PLIA) since 1999, and has served as Past President (2008 & 2012), Vice
President (2011) and Director (2013). He was also the Vice Chairman (2013) of the Insurance
Institute for Asiaandthe Pacific(IIAP),Directorof the PacificInsuranceConference (2013)and
Chief Delegate of the East Asian Insurance Congress (2008 to 2010). The Chairmanship
of Philippine Prudential is now held by the founder’s son and former Company President, Daniel
M. Mercado, Jr.
PhilippinePrudentialisareputable 100% Filipino-ownedfinancialservicescompany committed
to providing the best financial adviceand diversified and affordable products — such as endowment
plans, whole life plans, group and permanent plans, healthcare coverage, education and pension
policies and Credit Life Insurance — to its valued clients through its multiple and accessible
distribution channels.
Now celebrating 52 years of sterling, trustworthy and continuous service, Philippine
Prudential continuestoserve the best interests of its Policyholdersandtheir families. TheCompany
is now in the Top15amongall LifeInsuranceCompaniesinthecountry,andinthe Top5among
all Filipino-owned Life Insurance Companies.
As of December 31, 2014, the Company’s Total Assets is at Php 999,339,876 Million, Total
amount of Claims paid are at over Php 245 Million while the Total Investments amount to Php
428,531,070 Million. The Total Equity by the end of 2014 is Php 415.3 Million and its Total
Premium Income in 2014 is recorded at Php 963,082,632 Million.
Distribution remains to be among its core strength, as the Company constantly invests in its
marketing force,now numbering over 1,200, and in putting up sales officesto extend services in key
cities nationwide. Its seven Distribution Channels — Group Marketing, Direct Marketing, Retail
Marketing, Telemarketing, Alternative Marketing, Agency Marketing and Medical Insurance — are
fully committed and dedicated to helping Filipinos everywhere live a more secured life.
As an industry innovator,PhilippinePrudential was a pioneer in Mortgage Redemption Insurance,
which later evolved into CreditLife Insurance,where the face amount matches the loan balance of
a bank borrower at any given time and is designed so that the loan will be paid off in full in the event
of death of the Insured/Borrower. It also pioneered in organizing groups of life insurance companies
as a pool to handle a program of protection for select customers.
Philippine Prudential has been awarded the prestigious Superbrands status, making it the only
life insurance company tobe given this distinction forfour consecutiveyears: for the 2009-2010 and
the 2011-2012, 2013- 2014 awarding periods and, presently, forthe 2015-2016 awarding period. In
addition, the Company has received a special recognition from the Insurance Commission for its
valuable contributions and efforts in the field of Microinsurance during its “Gabi ng Parangal at
Pasasalamat sa mga Tagapagtaguyod ng Microinsurance.”
In its bid to support Miss World Philippines Organization’s motto “Beauty in Giving,” Philippine
Prudential has been named The Official Life Insurer of the Miss World Philippine Pageant for
four years, in 2011, 2012, 2013 and 2014, insuring each candidate with Life Insurance protection

28. worth Php 1,000.000 for a certain period.
As a responsible Corporate Citizen, Philippine Prudential continues to be actively involved in
worthwhile advocacy programs, such as Gawad Kalinga, through the Company’s GK Village in
Camarin, Caloocan City.
INSURANCE PLANS
Double Security Plus Plan is a very affordable and comprehensive 3-in-1 insurance program that
adjusts to your various needs, covering you with extra cash when hospitalized plus lump sum cash
for yourloved ones if an untoward incident happens that would take your life. For as low as P4.50 a
day, you can be protected from life’s hazards and be at peace knowing that your family is secured.
Life Insurance Benefit
Pays your loved ones up to P300,000.00 life insurance.
Hospital Income Benefit
Pays youas much as *P3,000.00 a day if confined in the hospital due to sickness or injury. This cash
can be used in any way you wish – pay hospital bills, medicines, check-ups, food or even cover
household expenses. This benefit is also very useful during your recovery.
Burial Expense Assistance
Plan ahead…we don’t know when the inevitable will happen. This cash benefit pays your loved ones
up to *P30,000.00 cash that will relieve them of having to make important decisions during a period
of great stress and grief.
Guaranteed Acceptance and Easy Enrollment
- No medical examination!
- No health questions to answer!
- Very simple and easy enrollment!