Purple Cow 2012 Benefits 1 3 Major Employee Benefits (per IC) LIFE – ACCIDENT – HEALTHLIFE (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 HMOACCIDENT (worldwide) * Basic 10: 790 dentists, 659 clinics2. 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
Purple Cow 2012 Benefits 2 Benefits Summary LIFE – ACCIDENT – HEALTH1. Life = 5x MBL 13. Access to Big 5 Hospitals & Healthway2. Terminal Illness = up to 50% of 5x MBL 14. 100% Pre-Existing Conditions coverage3. Total & Perm. Disability Income = 5x MBL 15. 100% Congenital Conditions coverage4. Accidental Death = 5x MBL 16. 100% Special Procedures coverage5. Murder = 5x MBL 17. Benefits on top of Philhealth6. Accidental Disablement = __% of 5x MBL 18. Pooled Employee utilization7. Assault = __% of 5x MBL 19. Separate Dependent utilization8. Medical = HMO buffet of benefits 20. Opt. Dental = HMO buffet of benefits9. Combined inpatient & outpatient limits 21. Opt. APE = choice of mobile or clinic10. 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 Dependents12. Private patient for reimbursement (HMO rate) 24. Access through Social Media
Purple Cow 2012 Benefits 13 6. Health & Wellness (up to 2x per year) ASIANLIFE (call 890-1758 ext. 278 to schedule) EXCLUSIONS1. Comprehensive Wellness Program (to 2x/yr) 1. Cost of vaccinesA company’s corporate wellness program is a key component of The Comprehensive Wellness Program is customized to meetcompany 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 writtenand maintain good health. AsianLife brings corporate wellness assessment and detailed CUR (current utilization report) areprograms to the client’s location and implements a wellness provided which gives the employee and the employer theprogram that suits the client’s actual health profile to achieve information needed to set wellness goals.their unique needs and goals. HEALTH PROMOTION & DISEASE MANAGEMENTTo effectively manage healthcare costs, organizations must SEMINARS: Pooling from a wealth of resources and expertiseinclude programs that proactively help employees maintain and available through the medical partners, numerous presentationsimprove their health. The road to better health (and fewer and seminars are available for the client’s workforce to promotepreventable 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 suchskyrocketing of health-care costs, rising absenteeism, and lower as blood pressure and body fat analysis are available in theemployee productivity. program in addition to more extensive screenings such as bloodWellness Bottom Line: gains can include… analysis.Improved employee health; HEALTH PROTECTION MEASURES: Scheduled vaccineIncreased workforce productivity; administration program can be done within company premises.reduced health insurance premiums; The vaccine may vary depending on the need/requirement of thelower workers compensation claims. company.Free Health & Wellness Program benefits are covered on top of Medical HMO benefits
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
Purple Cow 2012 Competitive Advantages 22 Why Purple Cow? FREE Health & Wellness Program: ALGA can conduct a Health & Wellness program for your group (up to 2 sessions per year), based on your own health issues. (Unlike most HMO plans)You can get customized Wellness seminars & screenings
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