This document provides an overview of the Purple Cow employee benefits program. It begins with an introduction to employee benefits and what they are. It then outlines the vision, mission, and advocacy of Purple Cow Employee Benefits, which is to financially protect both employers and employees. The remainder of the document details the specific benefits provided, including life insurance, accident insurance, and medical HMO coverage. It provides summaries of coverage amounts, exclusions, and terms and conditions. The document aims to showcase how the unique Purple Cow employee benefits product stands out in the benefits field.

1. 2012
Employee
Orientation
51pg

2. 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.”

3. “What is a Purple Cow?”
A unique product that stands out in the field. 1
“Moo!”
Gotuaco’s Purple Cow is a unique healthcare product
that stands out in the field of EMPLOYEE BENEFITS.

4. Vision 2
FINANCIAL
SECURITY…
through
PURPLE COW
Employee
Benefits.
 LIKE Purple Cow Employee Benefits on Facebook

5. Mission 3
To PROTECT
Employers &
Employees...
from
FINANCIAL
INSECURITY.
 LIKE Purple Cow Employee Benefits on Facebook

6. Advocacy 4
SUPPORT
SME:
SME
they are the
FUTURE
HEROES
of our economy!
 LIKE Purple Cow Employee Benefits on Facebook

7. Purple Cow 2012
EB Primer
1
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

8. Purple Cow 2012
EB Primer
2
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

9. Purple Cow 2012
EB Primer
3
What are the most common EB?
• 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%
- Small Business Poll on Compensating Employees (NFIB, US: 2003)
All 4 insurance benefits are offered by Purple Cow!

10. Purple Cow 2012
EB Primer
4
What makes Insurance ‘sulit?’
• LIFE INSURANCE provides you with instant cash
in the event of death or total and permanent disability;
(.25% of population between 18-65)
• ACCIDENT INSURANCE provides you with instant
cash in the event of accidental death or disablement;
(10% of inpatient & outpatient cases)
• HEALTH INSURANCE (medical insurance or HMO)
protects you from losing money in the event of sickness
or accident. (10% inpatient / 300% outpatient)
Insurance saves you from losing your money

11. Purple Cow 2012
Benefits
1
3 Major Employee Benefits (per IC)
LIFE – ACCIDENT – HEALTH
LIFE (worldwide) HEALTH (nationwide)
1. LIFE INSURANCE 3. MEDICAL HMO
* Terminal Illness Rider * 8,205 affil. MD, 383 hospitals, 428 clinics
* Total & Perm. Disability Income
4. Opt. DENTAL HMO
ACCIDENT (worldwide) * Basic 10: 790 dentists, 659 clinics
2. PERSONAL ACCIDENT 5. Opt. Annual Physical Exam
a. Accidental Death * Basic 5: mobile or clinic
* Murder
b. Accidental Disablement
6. Health & Wellness Program
* up to 2x/yr; tailored to utilization report
* Assault

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Benefits
2
Benefit Summary
LIFE – 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

13. Purple Cow 2012
Benefits
3
1. Life Insurance (worldwide)
ASIANLIFE EXCLUSIONS
1. Life 5x MBL 1. Suicide within the 1st year of coverage
2.5x
2. Terminal Illness Rider (up to 50%)
MBL
3. Total & Perm Disability Income 5x MBL
+Principals 18yo-65yo; Dependents 30dy-22yo / 18yo-65yo Example:
If MBL = 20T, Life or TPDI = 100,000; TIR = 50,000;
1. Life benefit = 5x MBL, for death by any If MBL = 40T, Life or TPDI = 200,000; TIR = 100,000;
cause; If MBL = 60T, Life or TPDI = 300,000; TIR = 150,000;
2. TIR benefit = up to 50% of 5x MBL, as an If MBL = 80T, Life or TPDI = 400,000; TIR = 200,000;
If MBL = 100T, Life or TPDI = 500,000; TIR = 250,000.
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.
Life benefits are payable on top of Accident & Medical HMO benefits

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Benefits
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2a. 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 +Principals 18yo-65yo; Dependents 30dy-22yo / 18yo-65yo
1. Accidental Death = 5x MBL, for death 3. Disablement = __% of 5x MBL, according
from any type of accident; to a long schedule of indemnities;
2. Murder = 5x MBL, in lieu of the Accidental 4. Assault = __% of 5x MBL, in lieu of the
Death benefit, for death not due to accident Disablement benefit, for disability not due
but murder (provoked or not). to accident but assault (provoked or not).
Example: Example:
If MBL = 20T, Accidental Death or Murder = 100,000; If MBL = 20T, Disability or Assault = __% of 100,000;
If MBL = 40T, Accidental Death or Murder = 200,000; If MBL = 40T, Disability or Assault = __% of 200,000;
If MBL = 60T, Accidental Death or Murder = 300,000; If MBL = 60T, Disability or Assault = __% of 300,000;
If MBL = 80T, Accidental Death or Murder = 400,000; If MBL = 80T, Disability or Assault = __% of 400,000;
If MBL = 100T, Accidental Death or Murder = 500,000. If MBL = 100T, Disability or Assault = __% of 500,000.
Accident benefits are payable on top of Life & Medical HMO benefits

15. Purple Cow 2012
Benefits
5
2b. 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

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Benefits
6
2c. Accident Insurance…
EXCLUSIONS
1. Bodily or mental infirmity, hernia, ptomaine, bacterial or 12. War, invasion, act of foreign enemy or warlike operation
viral infection (except pyogenic infection occurring with and (whether declared or undeclared), mutiny, strikes,
through an accidental cut or wound) demonstrations, riots, civil commotion, conspiracy, military
2. Disease, sickness, parasite, or disorder of the body/ takeover, state of siege, or any weapon or instrument
mind employing atomic fission or radioactive force whether in
3. Poison, gas or fumes voluntarily or involuntarily taken time of peace or war
4. Insect bites 13. Serving in the armed forces of any country, or
5. Earthquake, volcanic eruption or tidal wave international authority, whether in war or peace
6. Atomic explosion, nuclear fission, or radioactive gas 14. Entering, operating, servicing, ascending or descending
from any aerial or submarine device or conveyance, except
7. Pregnancy, childbirth, miscarriage or any complications as provided under a passenger aviation provision
8. Accident occurring while or because the Insured is under 15. Hunting, motorcycling or pillion riding, mountaineering
the influence of alcohol or any drug which necessitates the use of ropes or pitons, racing of any
9. Suicide or any attempted threat while sane or insane, or kind, other than on foot, ice or winter sports, water-ski
any intentionally self-inflicted injury jumping and tricks, yachting beyond 5 km. off a coastline,
underwater activities involving the use of underwater
10. Participation in any brawl, or committing any crime or apparatus, or using woodworking machinery driven by
felony mechanical power other than portable tools, applied by
11. Provoked murder / assault or attempted threat [waived] hand and used solely for private purposes without reward

17. Purple Cow 2012
Benefits
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3a. Medical HMO (nationwide)
ASIANLIFE (8,205 affil. MD, 382 hospitals, 426 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 Big 5 hospitals & Healthway 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

18. Purple Cow 2012
Benefits
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3b. 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 diseases
18. 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

19. Purple Cow 2012
Benefits
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3c. 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 16. CT scan / MRI
valve prosthesis 17. Pulmonary perfusion scan
18. Endoscopy
7. Other new modalities of treatment for conditions with
established etiologies and used as alternatives to 19. Bone densitometry scan
conventional or traditional procedures
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

20. Purple Cow 2012
Benefits
10
3d. 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
2. Services rendered or supplies provided free of charge health hazards
3. Additional hospital charges and/or professional fees resulting from a plan member taking
14. Self-inflicted injuries including, but not limited to, any form of suicide attempt
a room accommodation more than his R&B limit (excesses and/or incremental costs)
4. Maternity and maternity-related conditions and/or complications except those benefits that 15. Sexually transmitted disease, AIDS, rehabilitative treatment for alcoholism and
may be provided by the (optional) Maternity benefit drug abuse
5. Sterilization of either sex or reversal of such, artificial insemination, sex change, 16. Acquisition of prosthetic appliances, artificial aids, durable equipment, surgically
consultation/confinement regarding fertility implanted devices and external prosthetic devices except those that are explicitly
covered and enumerated in the ‘Special Procedures or New Modalities of Treatment’
6. Non-recommended confinement, convalescent / domiciliary / custodial care, rest cures provision of this agreement
7. Dental-related cases except those that may be provided by the Dental Benefits and to the 17. Organ transplant-expense relating to organ donation of the donating party/parties
extent that are necessary for the repair or alleviation of damage caused solely by accidental
injury sustained (and not caused by the plan member) 18. Executive check-ups, unless explicitly provided in the master policy, and/or
confinements purely for diagnostic purposes, as well as non-recommended
8. Circumcision, cosmetic / aesthetic procedures except re-constructive surgery to treat
confinements
functional defects due to a covered disease and/or accidental injury
9. Psychiatric disorders, psychosomatic conditions, treatment for any mental or nervous 19. Take-home medicines, unless optional ‘Reimbursement of Prescribed Medicines’
disorders, illness / injury / condition / complication arising from the plan member’s excessive benefit is provided, and vaccines, except for first doses of either anti-venom, anti-
alcohol intake and/or use of regulated/prohibited drugs rabies or anti-tetanus used for emergency treatment
10. Illnesses and/or injuries arising from the plan member’s participation in brawls, riots, 20. Medico-legal fees including the cost of Medical Certificates that a plan member
commission of a crime, violation of ordinances, or the like may require for any purpose it may serve him or her
11. Illnesses / injuries resulting from conditions of war or sustained from combat-related 21. Congenital disease / deformity that is evident to the plan member at birth and/or
activities can be clinically determined to be congenital [waived]
22. Medical / surgical procedures and/or diagnostic tests that are experimental in
12. Illnesses / injuries resulting from the plan member’s active participation in hazardous nature and/or not generally accepted by the medical profession such as, but not limited
activities such as, but not limited to, bungee jumping, hang-gliding, scuba diving, to, iridology, chiropractic services, and acupuncture
mountain/wall climbing, and professional sports

21. Purple Cow 2012
Benefits
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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
1
7. Simple adjustment of dentures +Access to HP Dental-accredited clinics in SM, Market2,
Festival, Robinson’s, Shangrila, and ATC malls.
8. Re-cementation of fixed bridges/crowns/jackets/inlays/onlays
+Dental card and booklet provided, as well as an
9. Treatment of pain/lesions/wounds/burns orientation and an annual utilization report.
10. Emergency dental procedures if necessary +Discounts available on procedures not included in the
dental HMO plan.
+Appointment preferred (unless emergency) Optional Nationwide Dental HMO: +/- P300
Optional Dental HMO benefits are covered on top of Medical HMO benefits

22. Purple Cow 2012
Benefits
12
5. Optional Annual Physical Exam
VARIOUS (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

23. Purple Cow 2012
Benefits
13
7. Health & Wellness (up to 2x per year)
ASIANLIFE (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 The Comprehensive Wellness Program is customized to meet
company success. Based on a company’s health and wellness your health & wellness needs through the following services:
needs/wants, AsianLife has developed a CWP that can motivate HEALTH RISK ASSESSMENTS: Comprehensive written
and maintain good health. AsianLife brings corporate wellness assessment and detailed CUR (current utilization report) are
programs to the client’s location and implements a wellness provided which gives the employee and the employer the
program that suits the client’s actual health profile to achieve information needed to set wellness goals.
their unique needs and goals. HEALTH PROMOTION & DISEASE MANAGEMENT
To effectively manage healthcare costs, organizations must SEMINARS: Pooling from a wealth of resources and expertise
include programs that proactively help employees maintain and available through the medical partners, numerous presentations
improve their health. The road to better health (and fewer and seminars are available for the client’s workforce to promote
preventable health claims) is paved with small decisions we Wellness.
make every day. The result of doing nothing is continued HEALTH SCREENINGS: Periodic onsite health screenings such
skyrocketing of health-care costs, rising absenteeism, and lower as blood pressure and body fat analysis are available in the
employee productivity. program in addition to more extensive screenings such as blood
Wellness Bottom Line: gains can include… analysis.
Improved employee health; HEALTH PROTECTION MEASURES: Scheduled vaccine
Increased workforce productivity; administration program can be done within company premises.
reduced health insurance premiums; The vaccine may vary depending on the need/requirement of the
lower workers compensation claims. company.
Free Health & Wellness Program benefits are covered on top of Medical HMO benefits

24. Purple Cow 2012
Competitive Advantages
1
Why Purple Cow?
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

25. Purple Cow 2012
Competitive Advantages
2
Why Purple Cow?
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

26. Purple Cow 2012
Competitive Advantages
3
Why Purple Cow?
3 Major Employee Benefits in 1 Plan:
You get Group Life, Accident & Health
(medical HMO, optional dental HMO,
optional APE, and Wellness) – all in 1 plan.
(Unlike most HMO plans)
You get all the Employee Benefits you will ever need

27. Purple Cow 2012
Competitive Advantages
4
Why Purple Cow?
4 Modes of Payment:
You can choose from annual, semi-annual,
quarterly, or monthly modes of payment
to suit your cash flow or budget.
(Unlike most HMO plans)
You can pay Annual (60%), S.A. (5%), Qtr. (30%) or Mo. (5%)

28. Purple Cow 2012
Competitive Advantages
5
Why Purple Cow?
5 R&B x 3 MBL Choices each:
You can choose up to 5 SME Room & Board
categories x 3 Maximum Benefit Limits
each, to suit your organizational needs.
(Unlike most HMO plans)
You can try new combinations to see if they are ‘sulit’

29. Purple Cow 2012
Competitive Advantages
6
Why Purple Cow?
100% Pre-Existing Conditions:
You get 100% coverage up to MBL for
Pre-Existing Conditions such as cancer,
hypertension, diabetes & asthma.
(Unlike most HMO plans)
You are covered for dreaded & non-dreaded diseases

30. Purple Cow 2012
Competitive Advantages
7
Why Purple Cow?
100% Congenital Conditions:
You get 100% coverage up to MBL for
Congenital Conditions such as mitral valve
prolapse, rheumatic heart disease & hernia.
You are covered for most HMO plans) since birth
(Unlike medical conditions

31. Purple Cow 2012
Competitive Advantages
8
Why Purple Cow?
100% Special Procedures:
You get 100% coverage up to MBL for
Special Procedures such as arthroscopy,
laparoscopy, chemotherapy, P/T & MRI.
You are covered for most HMO plans) of treatment
(Unlike newer modalities

32. Purple Cow 2012
Competitive Advantages
9
Why Purple Cow?
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

33. Purple Cow 2012
Competitive Advantages
10
Why Purple Cow?
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

34. Purple Cow 2012
Competitive Advantages
11
Why Purple Cow?
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

35. Purple Cow 2012
Competitive Advantages
12
Why Purple Cow?
Life Insurance:
Your Life benefit covers death by any cause,
including suicide after 1 year. For example:
Ward 20T = 100T; Semi 40T = 200T.
(Unlike all HMO plans)
Life = 5x MBL: 1 year’s worth of income replacement

36. Purple Cow 2012
Competitive Advantages
13
Why Purple Cow?
Terminal Illness Rider:
Your TIR benefit is a 50% advance on your
Life benefit, payable if you have < 12 mos.
to live (50% balance payable upon death).
TIR = 50% of 5x MBL, in all HMO plans) living expenses
(Unlike lieu of life, for

37. Purple Cow 2012
Competitive Advantages
14
Why Purple Cow?
Total & Perm. Disability Income:
Your TPDI benefit is in lieu of your Life
benefit, payable if you are unable to work
at all, due to sickness or accident.
(Unlike all HMO plans)
TPDI = 5x MBL, in lieu of Life, for living expenses

38. Purple Cow 2012
Competitive Advantages
15
Why Purple Cow?
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

39. Purple Cow 2012
Competitive Advantages
16
Why Purple Cow?
Murder:
Your Murder benefit is in lieu of your
Accidental Death benefit, and payable if
you don’t die by accident, but by murder.
(Unlike all HMO plans)
Murder = 10x MBL, in lieu of Accidental Death

40. Purple Cow 2012
Competitive Advantages
17
Why Purple Cow?
Accidental Disablement Insurance:
Your Disablement benefit is based on a
long schedule of indemnities. For example:
loss of hand = 50% of Disablement benefit.
Accidental Disablement plans) 5x MBL
(Unlike all HMO = % of

41. Purple Cow 2012
Competitive Advantages
18
Why Purple Cow?
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

42. Purple Cow 2012
Competitive Advantages
19
Why Purple Cow?
Medical HMO Network:
You can get inpatient and outpatient
treatment from 8,205 affiliated doctors,
383 hospitals, and 428 clinics nationwide.
(unlike some HMO plans)
You can go to MMC/ SLMC/ CSMC/ AHMC/ TMC/ Healthway

43. Purple Cow 2012
Competitive Advantages
20
Why Purple Cow?
Optional Dental HMO Network:
You can get 1 permanent filling, 2 oral
prophylaxes, and 8 other benefits from
790 dentists and 659 clinics nationwide.
(Unlike some HMO plans)
You can go to SM/ Market2/ Festival/ Robinson’s/ Shangrila/ ATC

44. Purple Cow 2012
Competitive Advantages
21
Why Purple Cow?
Optional Annual Physical Exam:
You can order a Basic 5 APE or customize
your APE; you can choose a nearby clinic
for your staff or request a mobile APE.
(Unlike some HMO plans)
You can decide if you want an APE, and if so, what kind

45. Purple Cow 2012
Competitive Advantages
22
Why Purple Cow?
FREE Health & Wellness Program:
ALGA can conduct a Health & Wellness
program for your SME (up to 2 sessions
per year), based on your own health issues.
(Unlike most HMO plans)
You can get customized Wellness seminars & screenings

46. Purple Cow 2012
Competitive Advantages
23
Why Purple Cow?
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

47. Purple Cow 2012
Competitive Advantages
24
Why Purple Cow?
Access through Social Media:
You can access info and interact directly
with suppliers via ‘C3’ (Command & Control
Center), in www.purplecow.ph or Facebook.
(Unlike most HMO & insurance plans)
C3 helps you to take charge of your own health

48. Purple Cow 2012
Summary
1
♠ What’s in it for…Employees?
EE Features EE Benefits
A complete Employee Benefits package You get more financial security from
that can make you financially secure Purple Cow than from any other HMO
Life INS, Accident INS, Medical HMO, You won’t need to get any more
Optional Dental HMO & Optional APE insurance benefits for yourself
Nationwide Medical & Dental networks, You can use any accredited hospital
inclusive of all major hospitals & clinics or clinic for medical or dental treatment
Choice of doctor as a Private Patient for You can see your own doctor and get
insurance reimbursement at HMO rates reimbursed the rate of an HMO doctor
100% Pre-Existing, 100% congenital, You are covered for existing illnesses,
& 100% Special Procedures coverage natal conditions, & special procedures
Employee Benefits on top of Philhealth You get full HMO + Philhealth benefits
Access to benefit information through You can take charge of your own
C3 on www.purplecow.ph & Facebook health, and know before you go
1 health card for every employee You can avail anytime, anywhere

49. Purple Cow 2011
Conclusions
3
A job without financial security:
 anxiety
 depression
 state of emergency
 debt
 desperation
LESS financial security = MORE worry at work

50. Purple Cow 2011
Conclusions
4
A job with financial security:
 security
 peace of mind
 happiness
 focus
 productivity
MORE financial security = LESS worry at work