The document discusses the benefits of the Purple Cow employee benefits plan. It provides concise summaries of the plan's key advantages, including that it offers major employee benefits like life, accident, and health insurance in one plan. It also covers pre-existing conditions 100%, has benefits on top of Philhealth, and offers the same coverage for dependents as employees. The plan allows access to a large network of medical providers and includes optional outpatient reimbursement.
The purpose of employee benefits (EB) is to increase employees' economic security. Common EB include health insurance, paid vacations, paid sick leave, disability insurance, and pension plans. The document then discusses various types of insurance benefits like life insurance, health insurance, and accident insurance that are offered by Purple Cow and explains what makes insurance 'sulit' or worthwhile. It provides details on the specific medical, dental, life and accident benefits covered under Purple Cow's employee benefits plan.
The purpose of employee benefits (EB) is to increase employees' economic security. Common EB include health insurance, paid vacations, paid sick leave, disability insurance, and pension plans. The document then discusses various types of insurance benefits like life insurance, health insurance, and accident insurance that are offered as part of Purple Cow's EB package. It provides details on the coverage and benefits provided by Purple Cow's life, accident, and health insurance plans.
The document describes the benefits provided by Purple Cow's group insurance package, which includes life, accident, and health insurance. It offers multiple layers of protection and provides more value through covering all major employee benefits in one package. The insurance covers benefits like life insurance up to 1 million pesos, accident insurance up to 1 million pesos, and health insurance with options for medical, dental, and annual physicals up to 200,000 pesos.
Purple Cow provides a comprehensive employee benefits package including group life insurance, group accident insurance, and group health insurance through a medical HMO with options for dental HMO and annual physical exam. The package is designed to provide multiple layers of protection for employees with benefits including life insurance up to P1,000,000, accident insurance up to P1,000,000, and health insurance through the medical HMO with limits from P10,000 to P200,000. The benefits package aims to provide employees with more value than individual insurance through a single plan that covers life, accident, and health.
The document describes the benefits provided by Purple Cow's group insurance package, which includes life, accident, and health insurance. It offers multiple layers of protection and provides more value by bundling various employee benefits into a single package. The insurance covers benefits like life insurance payments in the event of death, accident insurance payments for accidental injuries, and health insurance/HMO coverage for medical costs. It has benefits for both employees and their dependents.
The document summarizes the key benefits of the Purple Cow 2011 benefits plan in 3 sentences or less per benefit:
1. The plan offers access to over 21,000 doctors and 350 hospitals nationwide through its medical HMO, as well as optional reimbursement for medicines, dental, and vision.
2. It provides 100% coverage for pre-existing and congenital conditions, benefits on top of PhilHealth, and the same rates and benefits for dependents as employees.
3. Unique features include reimbursement up to 10% of the maximum benefit limit for optional medicines, dental and vision, and the ability to see your own doctor for reimbursement at the HMO rate each time.
This document discusses the benefits provided by Purple Cow, an employee benefits package. Purple Cow provides group life insurance from PHP50,000 to PHP1,000,000, group accident insurance from PHP50,000 to PHP1,000,000, and group health insurance from PHP10,000 to PHP200,000, all in one package. It also lists common employee benefits provided by companies and the insurance benefits offered by Purple Cow. Purple Cow's medical HMO provides nationwide access to over 8,000 affiliated doctors and 383 hospitals.
This document discusses employee benefits offered by Purple Cow, including group life insurance, group accident insurance, and group health insurance. It provides details on the coverage amounts for each benefit. Purple Cow offers these three major benefits together in one package to provide multiple layers of protection for employees. The document also includes an employee benefits primer that lists the most common benefits offered by employers, and notes that Purple Cow offers all four insurance benefits. It then provides further details on the specific coverages and terms of the medical HMO plan being offered.
The purpose of employee benefits (EB) is to increase employees' economic security. Common EB include health insurance, paid vacations, paid sick leave, disability insurance, and pension plans. The document then discusses various types of insurance benefits like life insurance, health insurance, and accident insurance that are offered by Purple Cow and explains what makes insurance 'sulit' or worthwhile. It provides details on the specific medical, dental, life and accident benefits covered under Purple Cow's employee benefits plan.
The purpose of employee benefits (EB) is to increase employees' economic security. Common EB include health insurance, paid vacations, paid sick leave, disability insurance, and pension plans. The document then discusses various types of insurance benefits like life insurance, health insurance, and accident insurance that are offered as part of Purple Cow's EB package. It provides details on the coverage and benefits provided by Purple Cow's life, accident, and health insurance plans.
The document describes the benefits provided by Purple Cow's group insurance package, which includes life, accident, and health insurance. It offers multiple layers of protection and provides more value through covering all major employee benefits in one package. The insurance covers benefits like life insurance up to 1 million pesos, accident insurance up to 1 million pesos, and health insurance with options for medical, dental, and annual physicals up to 200,000 pesos.
Purple Cow provides a comprehensive employee benefits package including group life insurance, group accident insurance, and group health insurance through a medical HMO with options for dental HMO and annual physical exam. The package is designed to provide multiple layers of protection for employees with benefits including life insurance up to P1,000,000, accident insurance up to P1,000,000, and health insurance through the medical HMO with limits from P10,000 to P200,000. The benefits package aims to provide employees with more value than individual insurance through a single plan that covers life, accident, and health.
The document describes the benefits provided by Purple Cow's group insurance package, which includes life, accident, and health insurance. It offers multiple layers of protection and provides more value by bundling various employee benefits into a single package. The insurance covers benefits like life insurance payments in the event of death, accident insurance payments for accidental injuries, and health insurance/HMO coverage for medical costs. It has benefits for both employees and their dependents.
The document summarizes the key benefits of the Purple Cow 2011 benefits plan in 3 sentences or less per benefit:
1. The plan offers access to over 21,000 doctors and 350 hospitals nationwide through its medical HMO, as well as optional reimbursement for medicines, dental, and vision.
2. It provides 100% coverage for pre-existing and congenital conditions, benefits on top of PhilHealth, and the same rates and benefits for dependents as employees.
3. Unique features include reimbursement up to 10% of the maximum benefit limit for optional medicines, dental and vision, and the ability to see your own doctor for reimbursement at the HMO rate each time.
This document discusses the benefits provided by Purple Cow, an employee benefits package. Purple Cow provides group life insurance from PHP50,000 to PHP1,000,000, group accident insurance from PHP50,000 to PHP1,000,000, and group health insurance from PHP10,000 to PHP200,000, all in one package. It also lists common employee benefits provided by companies and the insurance benefits offered by Purple Cow. Purple Cow's medical HMO provides nationwide access to over 8,000 affiliated doctors and 383 hospitals.
This document discusses employee benefits offered by Purple Cow, including group life insurance, group accident insurance, and group health insurance. It provides details on the coverage amounts for each benefit. Purple Cow offers these three major benefits together in one package to provide multiple layers of protection for employees. The document also includes an employee benefits primer that lists the most common benefits offered by employers, and notes that Purple Cow offers all four insurance benefits. It then provides further details on the specific coverages and terms of the medical HMO plan being offered.
The document discusses the benefits provided by Purple Cow, an employee benefits package. It provides group life insurance, group accident insurance, and group health insurance through a medical HMO, with coverage amounts from PHP50,000 to PHP1,000,000 for life and accident, and PHP10,000 to PHP200,000 for health. The package aims to provide multiple layers of protection for employees with all major benefits in one plan.
This document discusses employee benefits offered by Purple Cow, including group life insurance, group accident insurance, and group health insurance. It provides details on the coverage amounts for each benefit. It also discusses common employee benefits offered by companies and what makes insurance valuable. The document outlines the specific benefits provided under Purple Cow's life, accident, and medical insurance plans, including coverage for pre-existing conditions, special procedures, and dependents. It provides an overview of AsianLife as the medical HMO provider and the terms and conditions of the coverage.
This document provides guidelines for treatment management in the Ex-Servicemen Contributory Health Scheme (ECHS). It outlines procedures for ECHS beneficiaries to follow at various stages of treatment, including activities to complete at home before seeking treatment. Key points covered include documenting required identity proofs, rules for priority treatment of certain categories like persons with disabilities, and options for treatment including utilizing allopathic or AYUSH systems of medicine. The document aims to bring clarity on patient issues and ensure ECHS procedures are user friendly while optimizing resources.
This document discusses reimbursement for vascular interventions and provides coding guidance for lower extremity peripheral interventions. It begins with basic reimbursement concepts like place of service, diagnosis and procedure codes. It then reviews inpatient vs outpatient criteria and key acronyms. Coding rules and hierarchies are presented for lower extremity interventions including the femoral/popliteal, iliac and tibial/peroneal territories. Medicare payment rates for 2013 are shown for common lower extremity codes.
The document summarizes the benefits of the Purple Cow 2012 employee benefits plan, which provides comprehensive life, accident, and health insurance coverage through a single plan. It offers medical coverage through an HMO network, optional dental coverage, and an optional annual physical exam. Employees benefit from nationwide access to providers, coverage of pre-existing conditions, and the ability to see their own doctor for reimbursement at HMO rates. The plan aims to provide employees with strong financial security and healthcare benefits in one complete package.
The document lists NHIF offices and accredited healthcare facilities across Kenya. It provides information on increased NHIF contribution rates that now provide both outpatient and inpatient coverage, including general consultations, tests, medicines, management of chronic conditions, maternity care and hospitalization. Members can select an accredited outpatient facility and are advised to check the NHIF website or offices for more details.
This document outlines the services provided by ACE solution for insurance claims investigation. It discusses common types of fraud in insurance claims and outlines ACE solution's process for investigating claims. Key services include investigating fraud by doctors, hospitals, or insured individuals. Fees are listed for different types of individual and corporate insurance claim investigations. Contact information and the leadership team of ACE solution is also provided.
This document describes various employee benefits offered by Purple Cow, including life insurance, accident insurance, medical HMO, dental HMO, and an optional annual physical exam. It provides details on coverage amounts for life and accident insurance, lists medical providers in the HMO network, and describes options for customizing an annual physical exam. The key benefits are comprehensive life, accident, and health insurance through one plan, optional physical exams that can be designated or mobile, and the same benefits being offered to employees and their dependents.
1. The document outlines the various benefits provided under a SECRET benefits package, including life insurance, disability income, accident coverage, medical HMO coverage, dental coverage, and optional reimbursement plans.
2. Key benefits include life insurance of 5x monthly benefit level (MBL), total and permanent disability income of 5x MBL, accidental death benefit of 5x MBL, medical HMO coverage through 21,519 physicians and 352 hospitals, and dental HMO through 775 dentists.
3. The benefits package provides 100% coverage for pre-existing and congenital conditions through the medical HMO, and covers special medical procedures at 30-100% of the monthly benefit level.
The document describes various health, life, and accident insurance benefits provided by Purple Cow in 2011, including:
1. Life insurance that pays out 5 times maximum benefit limit (MBL) in case of accidental death or total/permanent disability.
2. A medical HMO with over 21,000 doctors and 350+ hospitals/clinics.
3. An optional annual physical exam (APE) that can be customized and conducted at over 240 clinics nationwide or in Metro Manila. The basic APE includes 5 procedures for about $300.
4. Dental HMO with over 700 dentists and 640 clinics.
All benefits are provided in one package, unlike most plans. Dependents
Dr. Vallabhbhai Kathiria, A General Surgeon, EX Member of Parliament, Minister of State in Govt. of India, Patriot & Nationalist, thorough Gentleman, BJP & RSS Committed worker, Leader of common people of Rajkot & Saurashtra promotes the rural health care services on charitable platform under the auspice of Vasundhara Trust.
The document discusses Purple Cow's employee benefits package, which includes group life insurance, accident insurance, medical HMO coverage, optional dental HMO coverage, and optional annual physical exams. The benefits provide comprehensive financial security for employees and include nationwide medical and dental networks, coverage for pre-existing conditions, and access to information about benefits through an online portal and social media.
The document provides details of the proposed Vardan Multi Speciality Hospital project in Ghaziabad, Uttar Pradesh. The key points are:
1) The hospital will have 222 beds initially with 120 beds in the first phase and will provide multi-specialty care.
2) The total project cost for the first phase is estimated to be Rs. 930 lakhs which will cover construction, equipment, furniture and other expenses.
3) The hospital will have departments like medicine, surgery, gynecology, pediatrics etc. and support services like operation theaters, laboratory, radiology etc.
This document provides an overview of medical coding. It begins with a brief history of medical coding originating in 17th century England and the development of the ICD coding system. It then discusses what a medical coder does, translating clinical documentation into medical codes. The revenue cycle is described, showing how medical coding fits within the process from appointment to payment. Various roles in medical coding are outlined, including coders, auditors, and denial management specialists. The pros and cons of in-house versus outsourced medical coding are presented.
Apollo Hospitals provides a range of inpatient and outpatient medical services. They are committed to offering the highest quality care. Services include emergency care available 24/7, doctors from various specialties, diagnostic labs, ICUs, pharmacies, and rehabilitative services. The hospital aims to continually improve operations and welcomes patient feedback to provide the best care possible.
The document describes the Purple Cow 2012 employee benefits package, which includes 3 major benefits in one plan: life insurance, accident insurance, and health insurance including medical HMO, optional dental HMO, optional annual physical exam, and a wellness program. It provides details on coverage amounts, networks, exclusions, and advantages for employees such as financial security, nationwide access to hospitals and clinics, and reimbursement for seeing their own doctor.
This document is a letter from a law firm representing Generic Orthopaedic Medicine Center regarding an unpaid medical bill for services provided to Jane Doe following a motor vehicle accident. The letter provides supplemental information in an arbitration regarding denied insurance claims. It concedes payment of $153.17 for one date of service but argues $2,473.85 remains unpaid for other dates. The letter outlines the patient's medical history and treatment, including diagnoses of injuries from the accident and carpal tunnel syndrome. It argues the down-coding of one medical code was improper and that the denied treatment was medically necessary and causally related to the accident.
This document provides information about medical services available through the 20th Medical Group at Shaw Air Force Base. It summarizes eligibility requirements, available clinical services, and policies regarding appointments, referrals, medical records, and more. The 20th Medical Group aims to provide quality healthcare to active duty military members as well as dependents and retirees.
The document discusses employee benefits (EB) and the purpose of providing them. It notes that common EB include health insurance, paid time off, disability insurance and retirement plans. The document then provides details on specific insurance benefits offered by Purple Cow, including life insurance, accident insurance and health insurance (HMO). It describes the types of medical conditions, procedures and expenses covered and excluded by Purple Cow's health insurance plans.
The document discusses employee benefits (EB) and the purpose of providing them. It notes that common EB include health insurance, paid time off, disability insurance and retirement plans. The document then provides details on specific insurance benefits like life insurance, health insurance and accident insurance that are offered by Purple Cow, including what they cover and maximum payout amounts.
The document discusses the benefits of the Purple Cow employee benefits plan. It provides life insurance, accident insurance, and health insurance including medical, dental, and optional annual physical exams and wellness programs. The Purple Cow plan is unique in that it combines these major benefits into one plan. This allows employees to gain greater financial security through more comprehensive benefits in a single package.
The purpose of employee benefits is to increase employees' economic security. Common benefits offered by employers include paid vacations, health insurance, paid sick leave, disability insurance, and education reimbursement. The document then discusses the benefits provided by Purple Cow, including life insurance, accident insurance, health insurance (medical and dental HMO plans), and optional annual physical exams and a health and wellness program.
The document discusses the benefits provided by Purple Cow, an employee benefits package. It provides group life insurance, group accident insurance, and group health insurance through a medical HMO, with coverage amounts from PHP50,000 to PHP1,000,000 for life and accident, and PHP10,000 to PHP200,000 for health. The package aims to provide multiple layers of protection for employees with all major benefits in one plan.
This document discusses employee benefits offered by Purple Cow, including group life insurance, group accident insurance, and group health insurance. It provides details on the coverage amounts for each benefit. It also discusses common employee benefits offered by companies and what makes insurance valuable. The document outlines the specific benefits provided under Purple Cow's life, accident, and medical insurance plans, including coverage for pre-existing conditions, special procedures, and dependents. It provides an overview of AsianLife as the medical HMO provider and the terms and conditions of the coverage.
This document provides guidelines for treatment management in the Ex-Servicemen Contributory Health Scheme (ECHS). It outlines procedures for ECHS beneficiaries to follow at various stages of treatment, including activities to complete at home before seeking treatment. Key points covered include documenting required identity proofs, rules for priority treatment of certain categories like persons with disabilities, and options for treatment including utilizing allopathic or AYUSH systems of medicine. The document aims to bring clarity on patient issues and ensure ECHS procedures are user friendly while optimizing resources.
This document discusses reimbursement for vascular interventions and provides coding guidance for lower extremity peripheral interventions. It begins with basic reimbursement concepts like place of service, diagnosis and procedure codes. It then reviews inpatient vs outpatient criteria and key acronyms. Coding rules and hierarchies are presented for lower extremity interventions including the femoral/popliteal, iliac and tibial/peroneal territories. Medicare payment rates for 2013 are shown for common lower extremity codes.
The document summarizes the benefits of the Purple Cow 2012 employee benefits plan, which provides comprehensive life, accident, and health insurance coverage through a single plan. It offers medical coverage through an HMO network, optional dental coverage, and an optional annual physical exam. Employees benefit from nationwide access to providers, coverage of pre-existing conditions, and the ability to see their own doctor for reimbursement at HMO rates. The plan aims to provide employees with strong financial security and healthcare benefits in one complete package.
The document lists NHIF offices and accredited healthcare facilities across Kenya. It provides information on increased NHIF contribution rates that now provide both outpatient and inpatient coverage, including general consultations, tests, medicines, management of chronic conditions, maternity care and hospitalization. Members can select an accredited outpatient facility and are advised to check the NHIF website or offices for more details.
This document outlines the services provided by ACE solution for insurance claims investigation. It discusses common types of fraud in insurance claims and outlines ACE solution's process for investigating claims. Key services include investigating fraud by doctors, hospitals, or insured individuals. Fees are listed for different types of individual and corporate insurance claim investigations. Contact information and the leadership team of ACE solution is also provided.
This document describes various employee benefits offered by Purple Cow, including life insurance, accident insurance, medical HMO, dental HMO, and an optional annual physical exam. It provides details on coverage amounts for life and accident insurance, lists medical providers in the HMO network, and describes options for customizing an annual physical exam. The key benefits are comprehensive life, accident, and health insurance through one plan, optional physical exams that can be designated or mobile, and the same benefits being offered to employees and their dependents.
1. The document outlines the various benefits provided under a SECRET benefits package, including life insurance, disability income, accident coverage, medical HMO coverage, dental coverage, and optional reimbursement plans.
2. Key benefits include life insurance of 5x monthly benefit level (MBL), total and permanent disability income of 5x MBL, accidental death benefit of 5x MBL, medical HMO coverage through 21,519 physicians and 352 hospitals, and dental HMO through 775 dentists.
3. The benefits package provides 100% coverage for pre-existing and congenital conditions through the medical HMO, and covers special medical procedures at 30-100% of the monthly benefit level.
The document describes various health, life, and accident insurance benefits provided by Purple Cow in 2011, including:
1. Life insurance that pays out 5 times maximum benefit limit (MBL) in case of accidental death or total/permanent disability.
2. A medical HMO with over 21,000 doctors and 350+ hospitals/clinics.
3. An optional annual physical exam (APE) that can be customized and conducted at over 240 clinics nationwide or in Metro Manila. The basic APE includes 5 procedures for about $300.
4. Dental HMO with over 700 dentists and 640 clinics.
All benefits are provided in one package, unlike most plans. Dependents
Dr. Vallabhbhai Kathiria, A General Surgeon, EX Member of Parliament, Minister of State in Govt. of India, Patriot & Nationalist, thorough Gentleman, BJP & RSS Committed worker, Leader of common people of Rajkot & Saurashtra promotes the rural health care services on charitable platform under the auspice of Vasundhara Trust.
The document discusses Purple Cow's employee benefits package, which includes group life insurance, accident insurance, medical HMO coverage, optional dental HMO coverage, and optional annual physical exams. The benefits provide comprehensive financial security for employees and include nationwide medical and dental networks, coverage for pre-existing conditions, and access to information about benefits through an online portal and social media.
The document provides details of the proposed Vardan Multi Speciality Hospital project in Ghaziabad, Uttar Pradesh. The key points are:
1) The hospital will have 222 beds initially with 120 beds in the first phase and will provide multi-specialty care.
2) The total project cost for the first phase is estimated to be Rs. 930 lakhs which will cover construction, equipment, furniture and other expenses.
3) The hospital will have departments like medicine, surgery, gynecology, pediatrics etc. and support services like operation theaters, laboratory, radiology etc.
This document provides an overview of medical coding. It begins with a brief history of medical coding originating in 17th century England and the development of the ICD coding system. It then discusses what a medical coder does, translating clinical documentation into medical codes. The revenue cycle is described, showing how medical coding fits within the process from appointment to payment. Various roles in medical coding are outlined, including coders, auditors, and denial management specialists. The pros and cons of in-house versus outsourced medical coding are presented.
Apollo Hospitals provides a range of inpatient and outpatient medical services. They are committed to offering the highest quality care. Services include emergency care available 24/7, doctors from various specialties, diagnostic labs, ICUs, pharmacies, and rehabilitative services. The hospital aims to continually improve operations and welcomes patient feedback to provide the best care possible.
The document describes the Purple Cow 2012 employee benefits package, which includes 3 major benefits in one plan: life insurance, accident insurance, and health insurance including medical HMO, optional dental HMO, optional annual physical exam, and a wellness program. It provides details on coverage amounts, networks, exclusions, and advantages for employees such as financial security, nationwide access to hospitals and clinics, and reimbursement for seeing their own doctor.
This document is a letter from a law firm representing Generic Orthopaedic Medicine Center regarding an unpaid medical bill for services provided to Jane Doe following a motor vehicle accident. The letter provides supplemental information in an arbitration regarding denied insurance claims. It concedes payment of $153.17 for one date of service but argues $2,473.85 remains unpaid for other dates. The letter outlines the patient's medical history and treatment, including diagnoses of injuries from the accident and carpal tunnel syndrome. It argues the down-coding of one medical code was improper and that the denied treatment was medically necessary and causally related to the accident.
This document provides information about medical services available through the 20th Medical Group at Shaw Air Force Base. It summarizes eligibility requirements, available clinical services, and policies regarding appointments, referrals, medical records, and more. The 20th Medical Group aims to provide quality healthcare to active duty military members as well as dependents and retirees.
The document discusses employee benefits (EB) and the purpose of providing them. It notes that common EB include health insurance, paid time off, disability insurance and retirement plans. The document then provides details on specific insurance benefits offered by Purple Cow, including life insurance, accident insurance and health insurance (HMO). It describes the types of medical conditions, procedures and expenses covered and excluded by Purple Cow's health insurance plans.
The document discusses employee benefits (EB) and the purpose of providing them. It notes that common EB include health insurance, paid time off, disability insurance and retirement plans. The document then provides details on specific insurance benefits like life insurance, health insurance and accident insurance that are offered by Purple Cow, including what they cover and maximum payout amounts.
The document discusses the benefits of the Purple Cow employee benefits plan. It provides life insurance, accident insurance, and health insurance including medical, dental, and optional annual physical exams and wellness programs. The Purple Cow plan is unique in that it combines these major benefits into one plan. This allows employees to gain greater financial security through more comprehensive benefits in a single package.
The purpose of employee benefits is to increase employees' economic security. Common benefits offered by employers include paid vacations, health insurance, paid sick leave, disability insurance, and education reimbursement. The document then discusses the benefits provided by Purple Cow, including life insurance, accident insurance, health insurance (medical and dental HMO plans), and optional annual physical exams and a health and wellness program.
The purpose of employee benefits is to increase employees' economic security. Common benefits offered by employers include paid vacations, health insurance, paid sick leave, disability insurance, and education reimbursement. The document then discusses various insurance benefits like life insurance, accident insurance, and health insurance provided by Purple Cow and how they can help employees financially. It provides an overview and summary of Purple Cow's life, accident, and health insurance benefits including coverage amounts and plan details.
The purpose of employee benefits is to increase employees' economic security. Common benefits offered by employers include paid vacations, health insurance, paid sick leave, disability insurance, and education reimbursement. The document then discusses the benefits provided by Purple Cow, including life insurance, accident insurance, health insurance (medical and dental HMO plans), and optional annual physical exams and a health and wellness program.
The purpose of employee benefits is to increase employees' economic security. Common benefits offered by employers include paid vacations, health insurance, paid sick leave, disability insurance, and education reimbursement. The document then discusses the benefits provided by Purple Cow, including life insurance, accident insurance, health insurance (medical and dental HMO plans), and optional annual physical exams and a health and wellness program.
The purpose of employee benefits is to increase employees' economic security. Common benefits offered by employers include paid vacations, health insurance, paid sick leave, disability insurance, and education reimbursement. The document then discusses the benefits provided by Purple Cow, including life insurance, accident insurance, health insurance (medical and dental HMO plans), and optional annual physical exams and a health and wellness program.
1. The document outlines the benefits provided by an insurance plan, including life, accident, and health insurance.
2. The life insurance provides a benefit of 5 times the maximum benefit limit (MBL) in case of death from any cause or total permanent disability. The accident insurance provides benefits including accidental death, murder, disability and assault payments.
3. The health insurance includes an HMO plan with over 21,000 doctors and 350 hospitals, as well as dental and optional physical exams. It covers pre-existing and congenital conditions 100% and provides various other benefits.
1. The document outlines benefits for life, accident, and health insurance including life insurance equal to 5x monthly benefit limit (MBL), total and permanent disability income of 5x MBL, accidental death and murder benefits of 5x MBL, and medical and dental HMO plans.
2. The health plans include coverage for pre-existing and congenital conditions, benefits on top of the national PhilHealth plan, and optional outpatient reimbursement for medications, dental, and vision.
3. Eligible participants are principals aged 18-65 and dependents from 30 days to 21 years or 18-65 years. Benefits are the same for employees and dependents.
Purple cow employee benefits for sme 2011 (benefits)thepurplecowph
1. The document outlines various benefits provided to employees including life insurance, accident insurance, and health insurance through an HMO.
2. Key benefits include life insurance of 5x monthly basic salary, total and permanent disability income of 5x monthly basic salary, and medical HMO coverage through over 21,000 doctors and 350 hospitals.
3. The health insurance covers both inpatient and outpatient care and has a high maximum benefit limit per disability. It also covers both pre-existing and congenital conditions at 100%.
The document outlines various benefits provided by an insurance plan including life, accident, and health insurance. Key benefits include:
1. Life insurance equal to 5 times the maximum benefit limit that covers death from any cause. Total and permanent disability income is also equal to 5 times the maximum benefit limit.
2. Accident insurance that provides benefits for accidental death, murder, disability, and assault equal to percentages of 5 times the maximum benefit limit.
3. Medical benefits including coverage through an HMO network, access to major hospitals, and coverage for pre-existing and congenital conditions. Special procedures are covered up to 30-100% of the maximum benefit limit.
The document outlines various benefits provided by an insurance plan including life, accident, and health insurance. Key benefits include:
1. Life insurance equal to 5 times the maximum benefit limit that covers death from any cause. Total and permanent disability income also equals 5 times the maximum benefit limit.
2. Accident insurance that provides benefits for accidental death, murder, disability, and assault equal to percentages of the maximum benefit limit, along with schedules of benefits for various disabilities.
3. Medical and dental coverage through HMOs with over 21,000 doctors and 750 dentists participating. The plans cover pre-existing and congenital conditions 100% up to the maximum benefit limit.
Purple cow employee benefits for sme 2011 (benefits)thepurplecowph
1. The document outlines various benefits provided to employees including life insurance, accident insurance, and health insurance through an HMO.
2. Key benefits include life insurance of 5x monthly basic salary, total and permanent disability income of 5x monthly basic salary, and medical HMO coverage through over 21,000 doctors and 350 hospitals.
3. The health insurance covers both inpatient and outpatient care and has a high maximum benefit limit per disability. It also covers both pre-existing and congenital conditions at 100%.
1. The document outlines the benefits provided by an insurance plan, including life, accident, and health insurance. 2. Key life insurance benefits include life and total permanent disability coverage of up to 5 times the member's base life amount. Accident insurance covers accidental death, murder, and disability from accidents or assaults. 3. Health insurance includes an HMO plan with over 21,000 doctors and 350 hospitals, as well as dental and vision coverage. The plan also covers pre-existing and congenital conditions.
The document outlines the benefits offered by Purple Cow, including life insurance, accident insurance, medical HMO with access to major hospitals, optional dental HMO with benefits from 790 dentists nationwide, annual physical exams, and a health and wellness program. Employees can access these benefits using one health card and have coverage for pre-existing conditions, congenital conditions, and special procedures. The benefits package from Purple Cow aims to provide employees with comprehensive healthcare coverage and financial security.
The document discusses the benefits offered by Purple Cow, including paid vacations, health insurance, dental insurance, disability insurance, and education reimbursement. It provides details on the life insurance, accident insurance, medical HMO, optional dental HMO, and health and wellness program benefits. The summary highlights that employees get group life, accident, and health insurance including medical HMO, optional dental HMO, and wellness benefits in one plan.
The document discusses the benefits offered by Purple Cow, including life insurance, accident insurance, medical insurance through an HMO plan with options for dental and annual physical exams, as well as a health and wellness program. It provides details on coverage amounts for life, accident, and disability insurance and outlines the medical and dental networks. The document promotes Purple Cow's employee benefits package as providing major insurance benefits through one comprehensive plan with financial security and choice of doctors and facilities.
The document describes the benefits provided by Purple Cow's 2012 employee benefits package, including life insurance, accident insurance, medical HMO, optional dental HMO, and optional annual physical exam. Key benefits are accidental death coverage up to 5 times monthly basic limit, terminal illness coverage up to 50% of life insurance, and access to major hospitals and a nationwide network of over 382 hospitals and 426 clinics for medical and dental coverage. Employees have choice in doctors and can get reimbursed at HMO rates.
The document outlines the benefits provided by Purple Cow's 2012 employee insurance plan, including life insurance, accident insurance, medical HMO, optional dental HMO, annual physical exam, health and wellness program, and coverage for pre-existing conditions, congenital conditions, and special procedures. It provides details on coverage amounts, networks of doctors and facilities, exclusions, and advantages over other plans such as choice of doctors and benefits on top of PhilHealth. The plan aims to offer employees a comprehensive set of insurance benefits in one package to promote financial security.
The document discusses employee benefits (EB) offered by Purple Cow, including life insurance, accident insurance, and health insurance. It provides details on the purpose and most common types of EB. It then summarizes the key benefits provided under Purple Cow's life, accident, and health insurance plans, noting that they provide enhanced death, disability, and medical benefits compared to most plans. Major advantages include providing life, accident, and health benefits together in one plan; paying a life insurance benefit or total permanent disability income if disabled rather than dying; paying benefits for accidental death or murder rather than just accidents; and providing the same benefits for dependents as employees.
The document concludes that Purple Cow is the answer to providing financial security beyond compensation. Employee benefits can provide backup support during life, health, and accident emergencies when compensation alone is not enough. Purple Cow offers the best employee benefits formula for growing small and medium enterprises by providing financial security, reducing worry at work, and costing only 5% of salary to cover up to 99% of costs. The document recommends Purple Cow as a social investment in staff, a recruitment and retention tool, and a cap on financial liability that makes good business and social sense.
The document outlines 33 competitive advantages of the Purple Cow health insurance plan for small and medium enterprises (SMEs) compared to most HMO plans. Some key advantages include offering the same benefits as large companies, allowing employees to see their own doctors for reimbursement, providing multiple employee benefits in one plan, and offering various payment options. It also highlights advantages like coverage for pre-existing and congenital conditions, benefits on top of PhilHealth, and optional annual physical exams.
This document provides cost summaries for various life insurance plans in 2011, including rates for different coverage amounts from various providers categorized as ward, private, semi-private, large private, small private, and junior suite. The costs are shown as both annual premiums (ANN) and monthly premiums (MO) for different payment frequencies including annual, semi-annual, quarterly, and monthly. Out-of-pocket reimbursement rates are also shown.
The document concludes that Purple Cow is the answer to providing financial security for employees beyond compensation alone. Employee benefits can provide backup support for life, health, and accident-related emergencies that compensation cannot. Purple Cow offers the best employee benefits formula for small and medium enterprises to grow. More financial security through employee benefits like Purple Cow leads to less worry and more focus, productivity and happiness for employees. Purple Cow only requires 5% of salary and can cover up to 99% of costs, so it is a low-cost option that provides significant coverage.
The document outlines 33 competitive advantages of the Purple Cow health insurance plan for small and medium enterprises (SMEs) compared to most health maintenance organization (HMO) plans. Some key advantages include offering the same benefits as large companies, allowing employees to see their own doctors for reimbursement, providing multiple employee benefits in one plan, and offering various payment options. It also highlights advantages like coverage for pre-existing and congenital conditions, benefits on top of PhilHealth, and optional annual physical exams.
Purple cow employee benefits 2011 (the short version)mervinabagat
The document summarizes an employee benefits package called Purple Cow that provides comprehensive and affordable health, life, and accident insurance. Key features include group insurance benefits for all staff and dependents, the lowest rates for the most common coverage levels, and flexibility for companies of all sizes to join. Purple Cow aims to increase employees' financial security through equal access to benefits.
Purple cow employee benefits 2011 (the long version)mervinabagat
The document provides information on the Purple Cow employee benefits package, which includes group life insurance, group accident insurance, and a group health medical HMO plan. The benefits are designed to provide financial security for employees through equal access to affordable employee benefits including life insurance up to 5 times the maximum benefit limit, accident insurance coverage for death, disability or assault, and medical HMO coverage through AsianLife with access to major hospitals and clinics.
The Purple Cow referral program offers clients the opportunity to earn passive, recurring income by referring their own small and medium enterprise (SME) clients to Purple Cow. Interested clients should discuss their referral ideas with Purple Cow, and if both parties agree, the client can start referring SME clients to generate income from the referrals.
The document discusses employee benefits (EB) offered by Purple Cow, including life insurance, accident insurance, and health insurance. It provides details on the purpose and most common types of EB. It then summarizes the key benefits provided under Purple Cow's life, accident, and health insurance plans, noting that they provide enhanced death, disability, and medical benefits compared to most plans. Major advantages include providing life, accident, and health benefits together in one plan; paying a life insurance benefit or total permanent disability income if disabled rather than dying; paying benefits for accidental death or murder rather than just accidents; and providing the same benefits for dependents as employees.
This document promotes the Purple Cow sales process, directing the reader to review tabs on presentations, clients, and partners to see why it sells. It then encourages playing with command buttons and calling to try it for their small/medium enterprise if they like what they see. Finally, it urges joining the herd and listening to crowd wisdom, saying it's one big focus group discussion.
1. The document describes the life, accident, health, and wellness benefits provided by Purple Cow including medical and dental HMO coverage, life and disability insurance, and an optional annual physical exam.
2. A comprehensive wellness program is included which provides health assessments, seminars, screenings, and vaccines. It is customized for the organization and includes measuring utilization and setting wellness goals.
3. Major benefits include integrated life, accident, and health insurance coverage including a wellness program conducted twice per year onsite, and dependents receiving the same benefits and costs as employees.
This document promotes the Purple Cow sales process, directing the reader to review tabs on presentations, clients, and partners to see why it sells. It then encourages playing with command buttons and calling to try it for their small/medium enterprise if they like what they see. Finally, it urges joining the herd and listening to crowd wisdom, saying it's one big focus group discussion.
The Purple Cow referral program offers clients the opportunity to earn passive, recurring income by referring their own small and medium enterprise (SME) clients to Purple Cow. Interested clients should discuss their referral ideas with Purple Cow, and if both parties agree, the client can start referring SME clients to generate income from the referrals.
The document discusses employee benefits (EB) offered by Purple Cow, including life insurance, accident insurance, and health insurance. It provides details on the purpose and most common types of EB. It then summarizes the specific benefits offered by Purple Cow, including life insurance equal to 5 times monthly benefit limit (MBL) or total permanent disability income of 5 times MBL, accidental death benefit of 5 times MBL or murder benefit of 5 times MBL, and disability or assault benefits calculated as a percentage of 5 times MBL. It highlights the competitive advantages of Purple Cow's benefits, which include comprehensive life, accident, and health coverage in one plan and the same benefits for dependents as employees.
Purple cow employee benefits 2011 (the short version)mervinabagat
The document summarizes an employee benefits package called Purple Cow that provides comprehensive and affordable healthcare coverage. It offers group life, accident, and health insurance. Key benefits include coverage for pre-existing conditions, dependents receiving the same benefits as employees, and cost savings for customers with fewer than 100 employees. Purple Cow aims to provide financial security to employees while benefitting employers through positive impacts on recruitment, retention, and costs.
Purple cow employee benefits 2011 (the long version)mervinabagat
The document provides information on the Purple Cow employee benefits package, which includes group life insurance, group accident insurance, and group health insurance. It aims to provide financial security for employees through equal access to affordable employee benefits. The package is designed to offer major benefits like life insurance, accident insurance, and health coverage through an HMO plan rolled into a single affordable package. It is intended to protect employees from financial insecurity due to accidents or medical emergencies.
This document provides cost summaries for various life insurance plans in 2011, including rates for different coverage amounts, payment frequencies, and company sizes or plan types. The costs listed include annual premiums (APE), monthly bank draft amounts (MBL), semi-annual payments (SEMI), quarterly payments (QTR), and monthly payments (MO) for plans ranging from $20,000 to $200,000 of coverage. Both virgin and non-virgin rates are provided, with and without outpatient reimbursement.
The document discusses the benefits of providing employee benefits (Purple Cow) to improve financial security. It argues that employee benefits can provide extra support that wage scales alone cannot due to life, health, and accident emergencies. It recommends treating employee benefits as an investment in financial security, a form of corporate social responsibility, and a deductible business expense.
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Budgeting as a Control Tool in Government Accounting in Nigeria
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Economic Risk Factor Update: June 2024 [SlideShare]Commonwealth
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Confirmation of Payee (CoP) is a vital security measure adopted by financial institutions and payment service providers. Its core purpose is to confirm that the recipient’s name matches the information provided by the sender during a banking transaction, ensuring that funds are transferred to the correct payment account.
Confirmation of Payee was built to tackle the increasing numbers of APP Fraud and in the landscape of UK banking, the spectre of APP fraud looms large. In 2022, over £1.2 billion was stolen by fraudsters through authorised and unauthorised fraud, equivalent to more than £2,300 every minute. This statistic emphasises the urgent need for robust security measures like CoP. While over £1.2 billion was stolen through fraud in 2022, there was an eight per cent reduction compared to 2021 which highlights the positive outcomes obtained from the implementation of Confirmation of Payee. The number of fraud cases across the UK also decreased by four per cent to nearly three million cases during the same period; latest statistics from UK Finance.
In essence, Confirmation of Payee plays a pivotal role in digital banking, guaranteeing the flawless execution of banking transactions. It stands as a guardian against fraud and misallocation, demonstrating the commitment of financial institutions to safeguard their clients’ assets. The next time you engage in a banking transaction, remember the invaluable role of CoP in ensuring the security of your financial interests.
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In World Expo 2010 Shanghai – the most visited Expo in the World History
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How to Invest in Cryptocurrency for Beginners: A Complete GuideDaniel
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Digital, interactive art showing the struggle of a society in providing for its present population while also saving planetary resources for future generations. Spread across several frames, the art is actually the rendering of real and speculative data. The stereographic projections change shape in response to prompts and provocations. Visitors interact with the model through speculative statements about how to increase savings across communities, regions, ecosystems and environments. Their fabulations combined with random noise, i.e. factors beyond control, have a dramatic effect on the societal transition. Things get better. Things get worse. The aim is to give visitors a new grasp and feel of the ongoing struggles in democracies around the world.
Stunning art in the small multiples format brings out the spatiotemporal nature of societal transitions, against backdrop issues such as energy, housing, waste, farmland and forest. In each frame we see hopeful and frightful interplays between spending and saving. Problems emerge when one of the two parts of the existential anaglyph rapidly shrinks like Arctic ice, as factors cross thresholds. Ecological wealth and intergenerational equity areFour at stake. Not enough spending could mean economic stress, social unrest and political conflict. Not enough saving and there will be climate breakdown and ‘bankruptcy’. So where does speculative design start and the gambling and betting end? Behind each fabular frame is a four ratio problem. Each ratio reflects the level of sacrifice and self-restraint a society is willing to accept, against promises of prosperity and freedom. Some values seem to stabilise a frame while others cause collapse. Get the ratios right and we can have it all. Get them wrong and things get more desperate.
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A toxic combination of 15 years of low growth, and four decades of high inequality, has left Britain poorer and falling behind its peers. Productivity growth is weak and public investment is low, while wages today are no higher than they were before the financial crisis. Britain needs a new economic strategy to lift itself out of stagnation.
Scotland is in many ways a microcosm of this challenge. It has become a hub for creative industries, is home to several world-class universities and a thriving community of businesses – strengths that need to be harness and leveraged. But it also has high levels of deprivation, with homelessness reaching a record high and nearly half a million people living in very deep poverty last year. Scotland won’t be truly thriving unless it finds ways to ensure that all its inhabitants benefit from growth and investment. This is the central challenge facing policy makers both in Holyrood and Westminster.
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Purple cow 2011 (medical)
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5. 1 Purple Cow 2011 Benefits ACCIDENT 2. ACCIDENT INSURANCE a. Accidental Death * Murder b. Disability * Assault HEALTH 3. MEDICAL HMO * 21,519 MD, 352 hospitals, 358 clinics 4. DENTAL HMO * 775 dentists, 645 clinics 5. Opt. Annual Physical Exam * 124 hospitals, 241 clinics, 31 mobile 6. Health & Wellness Program * 2x/year; tailored to utilization report LIFE 1. LIFE INSURANCE * Total & Perm. Disability Income LIFE – ACCIDENT – HEALTH Benefits Overview
6. 2 Purple Cow 2011 Benefits 18. Dental = HMO (775 dentists / 645 clinics) 6. Assault = __% of 5x MBL 24. Same benefits for all Dependents 23. Same benefits for all Employees 22. Health & Wellness Program 2x/year 21. Opt. APE = designated or mobile clinic 20. 1 permanent filling, 2 oral prophylaxes, etc. 19. Dental access to major malls in Metro-Manila 17. Opt. Outpatient Reimb. for meds, dental, vision 16. Special procedures = 30%/100% of MBL 15. Benefits on top of Philhealth 14. 100% Congenital Conditions coverage 11. HMO patient for no-cash-out 10. Max. Benefit Limits per disability per year 12. Private patient for reimbursement (HMO rate) 13. 100% Pre-Existing Conditions coverage 9. Combined inpatient & outpatient limits 8. Access to Big 5 Hospitals & Healthway 7. Medical = HMO (21,519 MD / 352 hospitals / 358 clinics) 5. Accidental disability = __% of 5x MBL 4. Murder = 5x MBL 3. Accidental death = 5x MBL 2. Total & perm. disability income = 5x MBL 1. Life = 5x MBL LIFE – ACCIDENT – HEALTH Benefits Summary
7. 7 Purple Cow 2011 Benefits TERMS & CONDITIONS 8. Separate Dependent utilization to reduce cost 8. Benefits on top of Philhealth +Same rates for Dependents in 2011 +Principals 18yo-65yo; Dependents 30dy-21yo / 18yo-65yo 10. Opt. Outpatient Reimb. for meds, dental, vision 9. Special Procedures = 30%/100% of MBL 7. 100% Congenital Conditions coverage 10. 1 st year Virgin promo rate, if applicable 5. Minimum group size = 10 5. Access to Big 5 Hospitals and Healthway Medical HMO benefits are covered on top of Life and Accident benefits 9. Buy now, pay later 7. Pooled Employee utilization to spread risk 6. Minimum mode of payment = monthly 4. No individual applications required 3. No utilization report required 2. No franchising required 1. Instant rates, regardless of size 6. 100% Pre-Existing Conditions coverage 4. Private patient for reimbursement (HMO rate) 3. HMO patient for no-cash-out 2. Max. Benefit Limits per disability per year 1. Combined inpatient & outpatient limits ASIANLIFE (21,519 MD / 352 hospitals / 358 clinics) 3a. MEDICAL HMO (nationwide)
8. 8 Purple Cow 2011 Benefits 18. Accidental injuries All Dreaded & Non-Dreaded PEC are covered 100% to MBL 19. Diseases of the immune system 18. Collagen / connective tissue diseases 17. Hypertension, coronary artery disease / myocardial ischemia, cerebrovascular accident and other chronic cardiac diseases 16. Malignancies of the blood and bone marrow 15. Chronic musculo-skeletal malignancies 14. Moderately to far advanced tuberculosis 13. Seizure disorders 12. Endocrine illnesses 11. Polyps, ulcers, liver cirrhosis and other chronic gastrointestinal diseases 10. Chronic conditions of the genitourinary system 9. Calculus cholecystitis / cholelithiasis and/or urolithiasis 8. Chronic neurologic conditions 7. Sinus condition requiring surgery 6. Pathological abnormalities of nasal septum and turbinate 5. Diseased tonsils requiring surgery, cataracts & other opthalmo-otolaryngologic conditions 4. Hemorrhoids and other chronic colonic and ano-rectal illnesses 3. Chronic gynecologic conditions 2. Benign cyst / tumor and malignant conditions 1. Asthma, pleural effusion or other chronic airway obstruction conditions PRE-EXISTING CONDITIONS (Non-Dreaded) 19. Second and third degree burns 20. Surgical procedures requiring application / use of prosthesis for immediate treatment 17. Illnesses / injuries necessitating the use of isolation room / ICU or other IC facilities 6. Chronic hepatobiliary diseases 21. PEC (except congenital ones) subject to the provision on ‘PEC’ in this Agreement [waived] 16. Pathological / accidental fractures 15. Chronic musculo-skeletal diseases 14. Chronic opthalmo-otolaryngologic diseases 13. Antibiotic / chemotherapy-resistant diseases / bactemia / septicemia 7. Neuro-surgical / neurological conditions 8. Chronic pulmonary diseases 12. Endocrine abnormalities 2. Benign / malignant new growths 1. Blood dyscrasias 3. Chronic cardiac / cardio-vascular diseases 5. Diseases of the immune system 9. Chronic genito-urinary diseases 10. Chronic gynecological conditions 11. Chronic gastrointestinal conditions 4. Collagen / connective diseases PRE-EXISTING CONDITIONS (Dreaded) 3b. MEDICAL HMO…
9. 9 Purple Cow 2011 Benefits SPECIAL PROCEDURES – 100% of MBL 4. Sclerotherapy 4. Laser therapy (excludes use for correcting vision) 14. C-reactive protein (rheumatic & complications) 13. Anti-nuclear anti-body (ANA) 10. Pulmonary perfusion scan 7. Other new modalities of treatment for conditions with established etiologies and used as alternatives to conventional or traditional procedures 11. Endoscopy 8. Thallium scintigraphy 5. Physical & speech therapy 12. Bone densitometry scan 16. Sleep therapy 9. CT scan / MRI 7. Nuclear technologies 6. Angiography 3. Radiation oncology / therapeutic radiology 2. Chemotherapy 15. Lupus cell exam 1. Dialysis 6. Cost of artificial limbs, joint prosthesis and heart valve prosthesis 3. Laparoscopic procedures For the above special procedures, the remaining 70% of your Maximum Benefit Limit per disability per year can be used for conventional treatment of the same condition (unlike other HMO’s which exclude conventional treatment after a special procedure, and limit special procedures to 1x/year). 5. Nuclear / radioactive isotope scans 2. Arthroscopic procedures 1. Lithotripsy SPECIAL PROCEDURES – 30% of MBL 3c. MEDICAL HMO…
10. 10 Purple Cow 2011 Benefits 3. Non-prescription lenses and frames 2. Dental 2. Dental procedures not included in the dental HMO plan 3. Vision EXCLUSIONS Optional OUTPATIENT REIMBURSEMENT Rx Medicines, Dental & Vision are covered on top of Medical & Dental HMO benefits +Outpatient Reimbursement for Rx Meds, Dental & Vision benefits within 15 working days of receipt of all documents. +Reimbursement for Rx Meds covers treatment for any covered sickness or accident. +Reimbursement for Dental covers the same schedule of benefits as the dental HMO, but with your choice of dentist for full reimbursement up to your aggregate limit. +Reimbursement for Vision covers tests for visual acuity and prescription lenses. +The annual aggregate limit for all Rx meds, dental and vision benefits together = 1/10 th your Max. Benefit Limit. 1. Vitamins, supplements and/or non-BFAD approved medicines, herbal medicines, and other medicines that have no legal BFAD-approved therapeutic claims 1. Rx Medicines 3d. MEDICAL HMO…
11. 11 Purple Cow 2011 Benefits 17. Organ transplant-expense relating to organ donation of the donating party/parties 7. Dental-related cases except those that may be provided by the Dental Benefits and to the extent that are necessary for the repair or alleviation of damage caused solely by accidental injury sustained (and not caused by the plan member) 6. Non-recommended confinement, convalescent / domiciliary / custodial care, rest cures 18. Executive check-ups, unless explicitly provided in the master policy, and/or confinements purely for diagnostic purposes, as well as non-recommended confinements 8. Circumcision, cosmetic / aesthetic procedures except re-constructive surgery to treat functional defects due to a covered disease and/or accidental injury 22. Medical / surgical procedures and/or diagnostic tests that are experimental in nature and/or not generally accepted by the medical profession such as, but not limited to, iridology, chiropractic services, and acupuncture 12. Illnesses / injuries resulting from the plan member’s active participation in hazardous activities such as, but not limited to, bungee jumping, hang-gliding, scuba diving, mountain/wall climbing, and professional sports 19. Take-home medicines, unless optional ‘Reimbursement of Prescribed Medicines’ benefit is provided, and vaccines, except for first doses of either anti-venom, anti-rabies or anti-tetanus used for emergency treatment 2. Services rendered or supplies provided free of charge 14. Self-inflicted injuries including, but not limited to, any form of suicide attempt 1. Expenses that should be taken care of by any government programs such as Philhealth 3. Additional hospital charges and/or professional fees resulting from a plan member taking a room accommodation more than his R&B limit (excesses and/or incremental costs) 16. Acquisition of prosthetic appliances, artificial aids, durable equipment, surgically implanted devices and external prosthetic devices except those that are explicitly covered and enumerated in the ‘Special Procedures or New Modalities of Treatment’ provision of this agreement 5. Sterilization of either sex or reversal of such, artificial insemination, sex change, consultation/confinement regarding fertility 9. Psychiatric disorders, psychosomatic conditions, treatment for any mental or nervous disorders, illness / injury / condition / complication arising from the plan member’s excessive alcohol intake and/or use of regulated/prohibited drugs 20. Medico-legal fees including the cost of Medical Certificates that a plan member may require for any purpose it may serve him or her 10. Illnesses and/or injuries arising from the plan member’s participation in brawls, riots, commission of a crime, violation of ordinances, or the like 21. Congenital disease / deformity that is evident to the plan member at birth and/or can be clinically determined to be congenital [waived] 11. Illnesses / injuries resulting from conditions of war or sustained from combat-related activities 15. Sexually transmitted disease, AIDS, rehabilitative treatment for alcoholism and drug abuse 13. Illnesses / injuries attributable to the plan member’s own misconduct / gross negligence / immoral habits, and willful and unnecessary exposure to danger or health hazards 4. Maternity and maternity-related conditions and/or complications except those benefits that may be provided by the (optional) Maternity benefit EXCLUSIONS 3e. MEDICAL HMO…
12. 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 2 Competitive Advantage #2: Purple Cow 2011 Why Purple Cow?
13. 3 Major Employee Benefits in 1 Plan: you get Life, Accident & Health (medical HMO , dental HMO, optional APE, and Wellness program) – all in one plan. (Unlike most HMO plans) You get all the Employee Benefits you will ever need 3 Purple Cow 2011 Why Purple Cow? Competitive Advantage #3:
14. 100% Pre-Existing Conditions: you get 100% Pre-Existing Conditions coverage, up to MBL, for cancer, hypertension, diabetes, asthma, etc. (Unlike most HMO plans) You are covered for dreaded & non-dreaded diseases 6 Purple Cow 2011 Why Purple Cow? Competitive Advantage #6:
15. 100% Congenital Conditions : you get 100% Congenital Conditions coverage, up to MBL, for mitral valve pro-lapse, rheumatic heart disease, hernia, etc. (Unlike most HMO plans) You are covered for medical conditions since birth 7 Purple Cow 2011 Why Purple Cow? Competitive Advantage #7:
16. 8 Purple Cow 2011 Why Purple Cow? Benefits on Top of Philhealth : your HMO limits are on top of Philhealth , so you won’t need as much MBL. Your Benefits = Philhealth + MBL, not just MBL. (Unlike most HMO plans) You get full HMO benefits on top of Philhealth benefits Competitive Advantage #8:
17. Medical HMO Network : you can get inpatient, outpatient and emergency treatment from 21,519 doctors, 352 hospitals, and 358 clinics nationwide. (unlike some HMO plans) You can go to MMC/ SLMC/ CSMC/ AHMC/ TMC/ Healthway 14 Purple Cow 2011 Why Purple Cow? Competitive Advantage #14:
18. Optional Outpatient Reimbursement: you can reimburse up to an aggregate limit of 1/10 th your Maximum Benefit Limit for Rx Medicines, Dental & Vision. (Unlike all HMO plans) You can get the best perks of medical insurance as well 18 Purple Cow 2011 Why Purple Cow? Competitive Advantage #18:
19. Same Benefits for Dependents : Dependents can get the same benefits, terms and conditions as Employees (as well as the same costs in 2011). (Unlike most, if not all, HMO plans) Your Dependents are treated like Employees 19 Purple Cow 2011 Why Purple Cow? Competitive Advantage #19: