The document describes the benefits provided by Purple Cow, an employee benefits package. It offers group life insurance from P50,000 to P1,000,000, group accident insurance from P50,000 to P1,000,000, and group health insurance including medical and optional dental from P10,000 to P200,000. The package provides three major employee benefits - life, accident, and health insurance - in a single plan.

1. 2012
Life
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2. Purple Cow 2012
Value Proposition
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More VALUE…
Purple Cow gives you all 3 of today’s major
employee benefits in 1 package, designed
to provide multiple layers of protection:
 Group Life: P50,000 – P1,000,000
 Group Accident: P50,000 – P1,000,000
 Group Health: P10,000 – P200,000
You can get MORE benefits for ALL of your staff

3. Purple Cow 2012
EB Primer
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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

4. Purple Cow 2012
EB Primer
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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

5. Purple Cow 2012
Benefits
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3 Major Employee Benefits
LIFE – ACCIDENT – HEALTH
3a. MEDICAL HMO
1. LIFE INSURANCE
3b. Optional DENTAL HMO
3c. Optional APE
2. ACCIDENT INSURANCE
3d. WELLNESS PROGRAM

6. Purple Cow 2012
Benefits
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Benefit Summary
LIFE – ACCIDENT – HEALTH
1. Life = 5x MBL 13. Access to all major hospitals & clinics
2. Terminal Illness = up to 50% of 5x MBL 14. 100% Pre-Existing Conditions coverage
3. Total & Perm. Disability Income = 5x MBL 15. 100% Congenital Conditions coverage
4. Accidental Death = 5x MBL 16. 100% Special Procedures coverage
5. Murder = 5x MBL 17. Benefits on top of Philhealth
6. Accidental Disablement = __% of 5x MBL 18. Pooled Employee utilization
7. Assault = __% of 5x MBL 19. Separate Dependent utilization
8. Medical = HMO buffet of benefits 20. Optional Dental = HMO buffet of benefits
9. Combined inpatient & outpatient limits 21. Optional APE = choice of mobile or clinic
10. Max. Benefit Limits per disability per year 22. Free Wellness Program
11. HMO patient for no-cash-out 23. Same benefits for Dependents
12. Private patient for HMO reimbursement 24. Access through Social Media

7. Purple Cow 2012
Benefits
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1. Life Insurance (worldwide)
ASIANLIFE EXCLUSIONS
1. Life 5x MBL 1. Suicide within the 1st year of coverage
2.5x
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

8. Purple Cow 2012
Competitive Advantages
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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

9. Purple Cow 2012
Competitive Advantages
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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

10. Purple Cow 2012
Competitive Advantages
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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

11. Purple Cow 2012
Competitive Advantages
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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

12. Purple Cow 2012
Summary
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♠ 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 the 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