The document summarizes the benefits provided by Purple Cow, an employee benefits package. It offers group life insurance from PHP 50,000 to PHP 1,000,000, group accident insurance from PHP 50,000 to PHP 1,000,000, and group health insurance from PHP 10,000 to PHP 200,000. The health insurance component includes coverage from major hospitals, pre-existing conditions, and other benefits. The accident insurance provides benefits for accidental death, murder, disablement, and assault. It includes a schedule of indemnities for specific injuries.
Purple Cow offers a comprehensive employee benefits package that provides group life insurance up to P1 million, group accident insurance up to P1 million, and group health insurance through an HMO up to P200,000. This provides multiple layers of protection for employees. The accident insurance specifically provides benefits for accidental death, murder, disablement, and assault based on a percentage of the member's monthly benefit limit. It also includes a schedule of indemnities for losses like loss of limbs, sight, hearing and fingers/toes. Certain exclusions apply like pre-existing conditions, sickness, and war-related causes.
Purple Cow provides a comprehensive employee benefits package with group life insurance, accident insurance, and health insurance through a medical HMO and optional dental HMO and APE. This consolidated benefits plan aims to provide multiple layers of financial protection for employees. Key features include life and accidental death benefits up to 5x monthly basic salary, a disability schedule, murder and assault coverages, and access to major hospital networks with 100% coverage of pre-existing, congenital, and special conditions on top of PhilHealth benefits.
Purple Cow provides group life, accident, and health insurance benefits to employees through a single package. It offers life insurance from PHP50,000 to PHP1,000,000, accident insurance from PHP50,000 to PHP1,000,000, and health insurance from PHP10,000 to PHP200,000. The document outlines the various insurance benefits provided, including life insurance, accidental death and disablement coverage, medical HMO benefits, dental and physical exam options, and a health and wellness program. It also lists common employee benefits and what makes insurance valuable.
Purple Cow provides a comprehensive employee benefits package that includes group life insurance, group accident insurance, and group health insurance through a medical HMO with optional dental and accident protection. This package aims to provide multiple layers of financial protection for employees for as low as P10,000 to P1,000,000 in benefits. The benefits are designed to cover life insurance, terminal illness coverage, disability income, medical expenses, and more to financially secure employees.
Purple Cow provides a comprehensive employee benefits package including group life insurance, group accident insurance, and group health insurance through a medical HMO with optional dental and annual physical exam coverage. The package is designed to provide multiple layers of financial protection for employees including benefits for accidental death, accidental disablement, murder, and assault. Employees benefit from nationwide medical networks, coverage of pre-existing conditions, and various insurance payouts in cases of disability or death.
The document describes the benefits provided by the Purple Cow wellness program, including accident insurance, life insurance, medical and dental coverage, and a comprehensive wellness program. The wellness program includes health risk assessments, health promotion seminars, health screenings, health protection measures like vaccines, and is customized for each company's needs. All benefits are provided in one plan and include a free health and wellness program with up to two sessions per year.
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.
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.
Purple Cow offers a comprehensive employee benefits package that provides group life insurance up to P1 million, group accident insurance up to P1 million, and group health insurance through an HMO up to P200,000. This provides multiple layers of protection for employees. The accident insurance specifically provides benefits for accidental death, murder, disablement, and assault based on a percentage of the member's monthly benefit limit. It also includes a schedule of indemnities for losses like loss of limbs, sight, hearing and fingers/toes. Certain exclusions apply like pre-existing conditions, sickness, and war-related causes.
Purple Cow provides a comprehensive employee benefits package with group life insurance, accident insurance, and health insurance through a medical HMO and optional dental HMO and APE. This consolidated benefits plan aims to provide multiple layers of financial protection for employees. Key features include life and accidental death benefits up to 5x monthly basic salary, a disability schedule, murder and assault coverages, and access to major hospital networks with 100% coverage of pre-existing, congenital, and special conditions on top of PhilHealth benefits.
Purple Cow provides group life, accident, and health insurance benefits to employees through a single package. It offers life insurance from PHP50,000 to PHP1,000,000, accident insurance from PHP50,000 to PHP1,000,000, and health insurance from PHP10,000 to PHP200,000. The document outlines the various insurance benefits provided, including life insurance, accidental death and disablement coverage, medical HMO benefits, dental and physical exam options, and a health and wellness program. It also lists common employee benefits and what makes insurance valuable.
Purple Cow provides a comprehensive employee benefits package that includes group life insurance, group accident insurance, and group health insurance through a medical HMO with optional dental and accident protection. This package aims to provide multiple layers of financial protection for employees for as low as P10,000 to P1,000,000 in benefits. The benefits are designed to cover life insurance, terminal illness coverage, disability income, medical expenses, and more to financially secure employees.
Purple Cow provides a comprehensive employee benefits package including group life insurance, group accident insurance, and group health insurance through a medical HMO with optional dental and annual physical exam coverage. The package is designed to provide multiple layers of financial protection for employees including benefits for accidental death, accidental disablement, murder, and assault. Employees benefit from nationwide medical networks, coverage of pre-existing conditions, and various insurance payouts in cases of disability or death.
The document describes the benefits provided by the Purple Cow wellness program, including accident insurance, life insurance, medical and dental coverage, and a comprehensive wellness program. The wellness program includes health risk assessments, health promotion seminars, health screenings, health protection measures like vaccines, and is customized for each company's needs. All benefits are provided in one plan and include a free health and wellness program with up to two sessions per year.
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.
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.
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 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.
Purple Cow offers a comprehensive employee benefits package that provides group life insurance, group accident insurance, and group health insurance through one plan. It offers multiple layers of protection including life insurance from PHP50,000 to PHP1,000,000, accident insurance from PHP50,000 to PHP1,000,000, and health insurance from PHP10,000 to PHP200,000. The package gives employees access to major benefits through one affordable 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.
Purple Cow offers employees a comprehensive benefits package including group life, accident, and health insurance. The health plan includes medical coverage through an HMO, with optional dental HMO and APE coverage. Employees receive benefits from over 790 dentists nationwide. The plan aims to provide employees with strong financial security through multiple insurance coverages in a single plan.
Purple cow employee benefits for sme 2011 (short version)thepurplecowph
1. Purple Cow is a unique employee benefits product that aims to provide financial security through equal access to benefits like life, accident, and health insurance.
2. It offers these major benefits in one package at affordable rates, and believes in helping employees who help companies grow through better compensation and benefits.
3. Purple Cow's benefits make employees, HR, finance, and the CEO all happy by providing greater security, recruitment/retention, financial viability, and positive reputation respectively.
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.
Purple cow eb for sme 2012 (sales presentation)thepurplecowph
Purple Cow is a unique employee benefits product that provides group life, accident, and health insurance. It aims to offer employers and employees more value through comprehensive coverage at lower prices. In the Philippines, the financial services sector including insurance is large at P600 billion, with banking and life insurance making up most. The HMO industry is smaller than insurance but dominates the healthcare market. Purple Cow argues the best option is an HMO plan from a large, established insurance company to gain the strengths of both the large HMO product and insurance industry.
Purple Cow offers a comprehensive employee benefits package that provides group life insurance, group accident insurance, and group health insurance through one plan. It offers multiple layers of protection including life insurance from P50,000 to P1,000,000, accident insurance from P50,000 to P1,000,000, and health insurance from P10,000 to P200,000. The package gives employees access to major medical benefits, dental benefits, annual physical exams, and a health and wellness program.
Purple Cow provides a comprehensive employee benefits package including group life insurance, group accident insurance, and group health insurance through an HMO plan with optional dental and annual physical exam coverage. The benefits are designed to provide multiple layers of financial protection for employees including life insurance benefits of P50,000 to P1,000,000, accident insurance benefits of P50,000 to P1,000,000, and health insurance coverage from P10,000 to P200,000. The accident insurance also provides benefits for accidental death, murder, accidental disablement, and assault.
Purple cow eb for sme 2012 (employee orientation)thepurplecowph
The document provides information on Gotuaco's Purple Cow employee benefits product. It includes a vision of providing financial security through benefits. Key benefits include life insurance providing 5x monthly basic salary in the event of death, terminal illness coverage up to 50% of life insurance, and total permanent disability income of 5x monthly basic salary. Medical benefits include coverage through an HMO with access to major hospitals and clinics. Dental and accident insurance are also optional benefits that can be added.
Purple cow eb for sme 2012 (employee orientation)thepurplecowph
Gotuaco's Purple Cow is a unique employee benefits product that stands out in the field. It provides financial security to employers and employees through life, accident, and medical insurance benefits. The product offers comprehensive coverage including life insurance of 5 times monthly basic salary, total permanent disability payouts of the same amount, and medical benefits through AsianLife's HMO network. Pre-existing conditions are fully covered, and benefits are provided on top of those from PhilHealth. The orientation document outlines Purple Cow's vision of protecting financial well-being, lists its core benefits, and explains the offerings in detail.
The document discusses the benefits provided by the Purple Cow employee benefits plan. It offers life insurance, accident insurance, and health insurance (medical HMO, dental HMO, and wellness program) in a single plan. Key advantages include providing the same major benefits as other plans but also covering total permanent disability under life insurance, murder under accident insurance, and assault under disability insurance. Dependents also receive the same benefits and conditions as employees.
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 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.
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.
Purple cow eb for sme 2012 (employee orientation)thepurplecowph
The document is an employee orientation manual for Purple Cow Employee Benefits. It provides an overview of the company's vision to protect employers and employees from financial insecurity through unique healthcare benefits. It then summarizes the benefits offered, including life insurance, accident insurance, and medical and dental HMO plans. Key benefits highlighted are life insurance of 5 times monthly benefit level, terminal illness payout up to 50% of life insurance, and accident insurance payouts for accidental death, murder, disablement, and assault.
Purple Cow provides a comprehensive employee benefits package that includes group life insurance, group accident insurance, and group health insurance through an HMO plan. It aims to provide multiple layers of protection for employees with benefits including life insurance of P50,000 to P1,000,000, accident insurance of P50,000 to P1,000,000, and health insurance of P10,000 to P200,000. The package is designed to provide all the major benefits employees need in a single plan.
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.
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 from P10,000 to P200,000. The package provides life, accident, and health insurance in one plan to offer multiple layers of protection for employees.
Purple Cow provides employees with a complete employee benefits package including group life insurance, group accident insurance, medical HMO, optional dental HMO, and optional annual physical exam, all in one plan. This package aims to provide maximum financial security through multiple layers of insurance protection. Key benefits include life insurance of 5 times monthly basic pay, a terminal illness rider worth up to 50% of the life insurance, and total permanent disability income of 5 times monthly basic pay. The medical HMO offers nationwide coverage through accredited hospitals and clinics.
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 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.
Purple Cow offers a comprehensive employee benefits package that provides group life insurance, group accident insurance, and group health insurance through one plan. It offers multiple layers of protection including life insurance from PHP50,000 to PHP1,000,000, accident insurance from PHP50,000 to PHP1,000,000, and health insurance from PHP10,000 to PHP200,000. The package gives employees access to major benefits through one affordable 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.
Purple Cow offers employees a comprehensive benefits package including group life, accident, and health insurance. The health plan includes medical coverage through an HMO, with optional dental HMO and APE coverage. Employees receive benefits from over 790 dentists nationwide. The plan aims to provide employees with strong financial security through multiple insurance coverages in a single plan.
Purple cow employee benefits for sme 2011 (short version)thepurplecowph
1. Purple Cow is a unique employee benefits product that aims to provide financial security through equal access to benefits like life, accident, and health insurance.
2. It offers these major benefits in one package at affordable rates, and believes in helping employees who help companies grow through better compensation and benefits.
3. Purple Cow's benefits make employees, HR, finance, and the CEO all happy by providing greater security, recruitment/retention, financial viability, and positive reputation respectively.
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.
Purple cow eb for sme 2012 (sales presentation)thepurplecowph
Purple Cow is a unique employee benefits product that provides group life, accident, and health insurance. It aims to offer employers and employees more value through comprehensive coverage at lower prices. In the Philippines, the financial services sector including insurance is large at P600 billion, with banking and life insurance making up most. The HMO industry is smaller than insurance but dominates the healthcare market. Purple Cow argues the best option is an HMO plan from a large, established insurance company to gain the strengths of both the large HMO product and insurance industry.
Purple Cow offers a comprehensive employee benefits package that provides group life insurance, group accident insurance, and group health insurance through one plan. It offers multiple layers of protection including life insurance from P50,000 to P1,000,000, accident insurance from P50,000 to P1,000,000, and health insurance from P10,000 to P200,000. The package gives employees access to major medical benefits, dental benefits, annual physical exams, and a health and wellness program.
Purple Cow provides a comprehensive employee benefits package including group life insurance, group accident insurance, and group health insurance through an HMO plan with optional dental and annual physical exam coverage. The benefits are designed to provide multiple layers of financial protection for employees including life insurance benefits of P50,000 to P1,000,000, accident insurance benefits of P50,000 to P1,000,000, and health insurance coverage from P10,000 to P200,000. The accident insurance also provides benefits for accidental death, murder, accidental disablement, and assault.
Purple cow eb for sme 2012 (employee orientation)thepurplecowph
The document provides information on Gotuaco's Purple Cow employee benefits product. It includes a vision of providing financial security through benefits. Key benefits include life insurance providing 5x monthly basic salary in the event of death, terminal illness coverage up to 50% of life insurance, and total permanent disability income of 5x monthly basic salary. Medical benefits include coverage through an HMO with access to major hospitals and clinics. Dental and accident insurance are also optional benefits that can be added.
Purple cow eb for sme 2012 (employee orientation)thepurplecowph
Gotuaco's Purple Cow is a unique employee benefits product that stands out in the field. It provides financial security to employers and employees through life, accident, and medical insurance benefits. The product offers comprehensive coverage including life insurance of 5 times monthly basic salary, total permanent disability payouts of the same amount, and medical benefits through AsianLife's HMO network. Pre-existing conditions are fully covered, and benefits are provided on top of those from PhilHealth. The orientation document outlines Purple Cow's vision of protecting financial well-being, lists its core benefits, and explains the offerings in detail.
The document discusses the benefits provided by the Purple Cow employee benefits plan. It offers life insurance, accident insurance, and health insurance (medical HMO, dental HMO, and wellness program) in a single plan. Key advantages include providing the same major benefits as other plans but also covering total permanent disability under life insurance, murder under accident insurance, and assault under disability insurance. Dependents also receive the same benefits and conditions as employees.
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 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.
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.
Purple cow eb for sme 2012 (employee orientation)thepurplecowph
The document is an employee orientation manual for Purple Cow Employee Benefits. It provides an overview of the company's vision to protect employers and employees from financial insecurity through unique healthcare benefits. It then summarizes the benefits offered, including life insurance, accident insurance, and medical and dental HMO plans. Key benefits highlighted are life insurance of 5 times monthly benefit level, terminal illness payout up to 50% of life insurance, and accident insurance payouts for accidental death, murder, disablement, and assault.
Purple Cow provides a comprehensive employee benefits package that includes group life insurance, group accident insurance, and group health insurance through an HMO plan. It aims to provide multiple layers of protection for employees with benefits including life insurance of P50,000 to P1,000,000, accident insurance of P50,000 to P1,000,000, and health insurance of P10,000 to P200,000. The package is designed to provide all the major benefits employees need in a single plan.
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.
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 from P10,000 to P200,000. The package provides life, accident, and health insurance in one plan to offer multiple layers of protection for employees.
Purple Cow provides employees with a complete employee benefits package including group life insurance, group accident insurance, medical HMO, optional dental HMO, and optional annual physical exam, all in one plan. This package aims to provide maximum financial security through multiple layers of insurance protection. Key benefits include life insurance of 5 times monthly basic pay, a terminal illness rider worth up to 50% of the life insurance, and total permanent disability income of 5 times monthly basic pay. The medical HMO offers nationwide coverage through accredited hospitals and clinics.
Purple cow eb for sme 2012 (employee orientation)thepurplecowph
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.
Purple Cow provides a comprehensive employee benefits package that includes group life insurance, accident insurance, and health insurance through a medical HMO plan with optional dental and annual physical exam coverage. Employees receive benefits such as life insurance equal to 5 times their monthly basic salary, terminal illness coverage up to 50% of the life insurance benefit, and total and permanent disability income also equal to 5 times their monthly basic salary. The package aims to offer employees multiple layers of protection for life, accident, and health in a single benefits plan.
Purple cow employee benefits for sme 2011 (long version)thepurplecowph
The document discusses the Purple Cow employee benefits product. It provides concise summaries of the key benefits offered:
1. The Purple Cow bundles group life, accident, and health insurance into one package, providing multiple layers of protection up to certain maximum benefit limits.
2. Benefits include life insurance payable for death from any cause, total permanent disability income, accidental death benefits, disability benefits, and access to medical services through an HMO network.
3. The product aims to increase employees' financial security by protecting them from the costs of medical emergencies and loss of income due to disability or death.
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 document describes the benefits of the Purple Cow 2011 plan, including:
1. Life insurance that pays 5x monthly benefit (MBL) if the insured dies from any cause within a year, or if they become totally permanently disabled.
2. Accidental death insurance and murder insurance that both pay 5x MBL. Disability and assault insurance pay a percentage of 5x MBL according to a disability schedule.
3. The plan provides additional income replacement compared to other plans if the insured dies, becomes disabled, or is murdered rather than by accident.
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.
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 eb for sme 2012 (sales presentation)thepurplecowph
Here are the key details of the Life Insurance benefit:
- Life coverage is 5 times the Maximum Benefit Limit (MBL)
- Terminal Illness Rider provides up to 50% of the life coverage amount
- Total and Permanent Disability coverage is also 5 times the MBL
The only exclusion listed is suicide within the first year of coverage. No other exclusions are mentioned.
Purple cow eb for sme 2012 (sales presentation)thepurplecowph
The Purple Cow offers life insurance through AsianLife that provides a death benefit of 5 times the maximum benefit limit (MBL), a terminal illness rider of up to 50% of the MBL, and a total permanent disability income of 5 times the MBL. Eligible principals must be between 18-65 years old and eligible dependents must be between 30 days and 22 years old. Exclusions include suicide within the first year of coverage.
Purple cow eb for sme 2012 (sales presentation)thepurplecowph
Life insurance provides a lump sum benefit to beneficiaries in the event of death or terminal illness of the insured. It aims to protect the financial security of dependents.
This document describes the employee benefits plan called "Purple Cow 2012" offered by AsianLife. It includes 3 main benefits - life insurance, accident insurance, and health insurance (medical HMO plan plus optional dental and APE coverage). A free wellness program is also provided, which offers health risk assessments, seminars, screenings and vaccines at the workplace up to twice per year. The benefits and wellness programs are presented as competitive advantages over most HMO plans by providing these multiple benefits together in one plan and customizing the wellness program for each company.
The document appears to be a cost summary for health insurance plans offered by Purple Cow in 2012. It provides the monthly premium costs for different tiers of coverage (individual, family, etc.) for standard plans and plans with optional additional coverage like dental or accident insurance. The costs are broken down by employee rank and company size to determine the appropriate premium.
Purple Cow offers employees a comprehensive benefits package including group life, accident, and health insurance through an HMO plan. The health insurance includes medical and optional dental coverage through networks with over 790 dentists and 659 clinics nationwide. Employees have access to all major hospitals and coverage for pre-existing conditions. The benefits aim to provide employees with strong financial security through affordable healthcare.
The document describes the benefits of the Purple Cow 2012 employee benefits package. It offers a comprehensive package that includes life insurance, accident insurance, medical HMO, optional dental HMO, and an optional annual physical exam. Key advantages for employees are that it provides more financial security than other plans, covers pre-existing conditions fully, and allows access to nationwide networks of medical providers and facilities.
The document appears to be a cost summary for health insurance plans offered by Purple Cow in 2012. It provides the monthly premium costs for different tiers of coverage (individual, family, etc.) for standard plans and plans with optional additional coverage like dental or accident insurance. The costs are broken down by employee rank and company size to determine the appropriate premium.
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 Purple Cow 2012 employee benefits package. It provides (1) life insurance equal to 5 times monthly basic pay, (2) accident insurance, and (3) health insurance through an HMO with optional dental and annual physical exam coverage. Key benefits include coverage for pre-existing conditions, 100% of medical costs, access to major hospitals, and a wellness program. The package aims to provide employees with comprehensive and affordable healthcare benefits.
This document describes the benefits provided by the Purple Cow 2012 employee benefits plan, including life insurance, accident insurance, and health insurance. The health insurance component provides access to an HMO network with benefits like medical coverage, optional dental and APE coverage, and a free wellness program. The wellness program includes health risk assessments, health promotion seminars, health screenings, and scheduled vaccines administered on-site. The key advantages of this plan are that it bundles life, accident, and health benefits together in one plan and also provides a customized free wellness program for employees.
This document describes the benefits provided by the Purple Cow 2012 employee wellness program. It includes life, accident, and health insurance benefits (medical HMO, optional dental HMO, APE) along with a free wellness program. The wellness program provides health risk assessments, health promotion seminars, health screenings, and scheduled vaccines. It is customized for each company based on their health profiles and needs. The wellness benefits are provided on top of the medical HMO benefits at no additional cost.
Sales of Purple Cow products in 2012 were lower than expected. A comparative grid was created to analyze sales figures from 2012 and plan for upcoming years, but it was not yet complete. The document focused on analyzing 2012 sales data and creating a sales comparison tool to guide future business decisions.
Purple Cow offers employees a comprehensive benefits package including group life, accident, and health insurance. The health plan includes medical coverage through an HMO, with optional dental HMO and APE coverage. Employees have access to nationwide networks for medical and dental care. The plan also provides 100% coverage for pre-existing conditions, congenital conditions, and special procedures. Benefits are offered in addition to those provided by PhilHealth.
The document discusses a 2012 referral program. It is 2 pages long and focuses on referrals for something called "Purple Cow". The referral program details are not provided yet, as it states the program is "coming soon".
The document discusses a 2012 referral program. It is 5 pages long and refers to a purple cow. The first page indicates the referral program is coming soon and provides no other details.
This document summarizes the employee benefits offered by Purple Cow in 2012, including life insurance, accident insurance, and health insurance. The health insurance component includes an HMO medical plan, optional dental HMO, and annual physical exams. A free health and wellness program is also provided, offering seminars and screenings customized for each company up to twice per year. Key advantages of the Purple Cow plan are that employees receive three major benefits (life, accident, health) in a single plan, and it includes the free health and wellness program customized to each company's needs.
Sales of Purple Cow products in 2012 were lower than expected. A comparative grid was created to analyze sales figures from 2012 and plan for upcoming years, but it was not yet complete. The document focused on analyzing 2012 sales data and creating a tool to compare sales figures over multiple years.
Discover the Future of Dogecoin with Our Comprehensive Guidance36 Crypto
Learn in-depth about Dogecoin's trajectory and stay informed with 36crypto's essential and up-to-date information about the crypto space.
Our presentation delves into Dogecoin's potential future, exploring whether it's destined to skyrocket to the moon or face a downward spiral. In addition, it highlights invaluable insights. Don't miss out on this opportunity to enhance your crypto understanding!
https://36crypto.com/the-future-of-dogecoin-how-high-can-this-cryptocurrency-reach/
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
13 Jun 24 ILC Retirement Income Summit - slides.pptxILC- UK
ILC's Retirement Income Summit was hosted by M&G and supported by Canada Life. The event brought together key policymakers, influencers and experts to help identify policy priorities for the next Government and ensure more of us have access to a decent income in retirement.
Contributors included:
Jo Blanden, Professor in Economics, University of Surrey
Clive Bolton, CEO, Life Insurance M&G Plc
Jim Boyd, CEO, Equity Release Council
Molly Broome, Economist, Resolution Foundation
Nida Broughton, Co-Director of Economic Policy, Behavioural Insights Team
Jonathan Cribb, Associate Director and Head of Retirement, Savings, and Ageing, Institute for Fiscal Studies
Joanna Elson CBE, Chief Executive Officer, Independent Age
Tom Evans, Managing Director of Retirement, Canada Life
Steve Groves, Chair, Key Retirement Group
Tish Hanifan, Founder and Joint Chair of the Society of Later life Advisers
Sue Lewis, ILC Trustee
Siobhan Lough, Senior Consultant, Hymans Robertson
Mick McAteer, Co-Director, The Financial Inclusion Centre
Stuart McDonald MBE, Head of Longevity and Democratic Insights, LCP
Anusha Mittal, Managing Director, Individual Life and Pensions, M&G Life
Shelley Morris, Senior Project Manager, Living Pension, Living Wage Foundation
Sarah O'Grady, Journalist
Will Sherlock, Head of External Relations, M&G Plc
Daniela Silcock, Head of Policy Research, Pensions Policy Institute
David Sinclair, Chief Executive, ILC
Jordi Skilbeck, Senior Policy Advisor, Pensions and Lifetime Savings Association
Rt Hon Sir Stephen Timms, former Chair, Work & Pensions Committee
Nigel Waterson, ILC Trustee
Jackie Wells, Strategy and Policy Consultant, ILC Strategic Advisory Board
University of North Carolina at Charlotte degree offer diploma Transcripttscdzuip
办理美国UNCC毕业证书制作北卡大学夏洛特分校假文凭定制Q微168899991做UNCC留信网教留服认证海牙认证改UNCC成绩单GPA做UNCC假学位证假文凭高仿毕业证GRE代考如何申请北卡罗莱纳大学夏洛特分校University of North Carolina at Charlotte degree offer diploma Transcript
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.
Fabular Frames and the Four Ratio ProblemMajid Iqbal
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.
KYC Compliance: A Cornerstone of Global Crypto Regulatory FrameworksAny kyc Account
This presentation explores the pivotal role of KYC compliance in shaping and enforcing global regulations within the dynamic landscape of cryptocurrencies. Dive into the intricate connection between KYC practices and the evolving legal frameworks governing the crypto industry.
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.
For more details, you can visit https://technoxander.com.
An accounting information system (AIS) refers to tools and systems designed for the collection and display of accounting information so accountants and executives can make informed decisions.
The Rise and Fall of Ponzi Schemes in America.pptxDiana Rose
Ponzi schemes, a notorious form of financial fraud, have plagued America’s investment landscape for decades. Named after Charles Ponzi, who orchestrated one of the most infamous schemes in the early 20th century, these fraudulent operations promise high returns with little or no risk, only to collapse and leave investors with significant losses. This article explores the nature of Ponzi schemes, notable cases in American history, their impact on victims, and measures to prevent falling prey to such scams.
Understanding Ponzi Schemes
A Ponzi scheme is an investment scam where returns are paid to earlier investors using the capital from newer investors, rather than from legitimate profit earned. The scheme relies on a constant influx of new investments to continue paying the promised returns. Eventually, when the flow of new money slows down or stops, the scheme collapses, leaving the majority of investors with substantial financial losses.
Historical Context: Charles Ponzi and His Legacy
Charles Ponzi is the namesake of this deceptive practice. In the 1920s, Ponzi promised investors in Boston a 50% return within 45 days or 100% return in 90 days through arbitrage of international reply coupons. Initially, he paid returns as promised, not from profits, but from the investments of new participants. When his scheme unraveled, it resulted in losses exceeding $20 million (equivalent to about $270 million today).
Notable American Ponzi Schemes
1. Bernie Madoff: Perhaps the most notorious Ponzi scheme in recent history, Bernie Madoff’s fraud involved $65 billion. Madoff, a well-respected figure in the financial industry, promised steady, high returns through a secretive investment strategy. His scheme lasted for decades before collapsing in 2008, devastating thousands of investors, including individuals, charities, and institutional clients.
2. Allen Stanford: Through his company, Stanford Financial Group, Allen Stanford orchestrated a $7 billion Ponzi scheme, luring investors with fraudulent certificates of deposit issued by his offshore bank. Stanford promised high returns and lavish lifestyle benefits to his investors, which ultimately led to a 110-year prison sentence for the financier in 2012.
3. Tom Petters: In a scheme that lasted more than a decade, Tom Petters ran a $3.65 billion Ponzi scheme, using his company, Petters Group Worldwide. He claimed to buy and sell consumer electronics, but in reality, he used new investments to pay off old debts and fund his extravagant lifestyle. Petters was convicted in 2009 and sentenced to 50 years in prison.
4. Eric Dalius and Saivian: Eric Dalius, a prominent figure behind Saivian, a cashback program promising high returns, is under scrutiny for allegedly orchestrating a Ponzi scheme. Saivian enticed investors with promises of up to 20% cash back on everyday purchases. However, investigations suggest that the returns were paid using new investments rather than legitimate profits. The collapse of Saivian l
2. Purple Cow 2012
Value Proposition
1
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
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
4. 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
5. Purple Cow 2012
Benefits
1
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
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. 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
4
2. 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
8. Purple Cow 2012
Benefits
5
2. 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
9. Purple Cow 2012
Benefits
6
2. 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
10. 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
11. 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
12. 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
13. 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
14. 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
15. 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