2. Purple Cow 2012
EB Primer
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What are the most common EB?
• Paid vacations, 75%
• Health insurance, 61%
• Paid sick leave, 59%
• Disability insurance, 41%
• Education reimbursement, 39%
• Pension plan, 30%
• Life insurance, 29%
• Dental insurance, 24%
- Small Business Poll on Compensating Employees (NFIB, US: 2003)
All 4 insurance benefits are offered by Purple Cow
3. Purple Cow 2012
Benefits
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3 Major Employee Benefits (per IC)
LIFE – ACCIDENT – HEALTH
LIFE (worldwide) HEALTH (nationwide)
1. LIFE INSURANCE 3. MEDICAL HMO
* Terminal Illness Rider * 8,205 affil. MD, 383 hospitals, 428 clinics
* Total & Perm. Disability Income
4. Opt. DENTAL HMO
ACCIDENT (worldwide) * Basic 10: 790 dentists, 659 clinics
2. PERSONAL ACCIDENT 5. Opt. Annual Physical Exam
a. Accidental Death * Basic 5: mobile or clinic
* Murder
b. Accidental Disablement
6. Health & Wellness Program
* up to 2x/yr; tailored to utilization report
* Assault
4. Purple Cow 2012
Benefits
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Benefits Summary
LIFE – ACCIDENT – HEALTH
1. Life = 5x MBL 13. Access to Big 5 Hospitals & Healthway
2. Terminal Illness = up to 50% of 5x MBL 14. 100% Pre-Existing Conditions coverage
3. Total & Perm. Disability Income = 5x MBL 15. 100% Congenital Conditions coverage
4. Accidental Death = 5x MBL 16. 100% Special Procedures coverage
5. Murder = 5x MBL 17. Benefits on top of Philhealth
6. Accidental Disablement = __% of 5x MBL 18. Pooled Employee utilization
7. Assault = __% of 5x MBL 19. Separate Dependent utilization
8. Medical = HMO buffet of benefits 20. Opt. Dental = HMO buffet of benefits
9. Combined inpatient & outpatient limits 21. Opt. APE = choice of mobile or clinic
10. Max. Benefit Limits per disability per year 22. Health & Wellness Program (up to 2x/yr)
11. HMO patient for no-cash-out 23. Same benefits for Dependents
12. Private patient for reimbursement (HMO rate) 24. Access through Social Media
5. Purple Cow 2012
Benefits
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4. Optional Dental HMO (nationwide)
HP DENTAL (790 dentists, 659 clinics) EXCLUSIONS
1. (1) permanent filling 1. Dental procedures not included in the list of 10 benefits
2. (2) oral prophylaxes 2. Reimbursements for seeing your own dentist
3. Unlimited consultations
4. Simple tooth extractions if indicated
5. Temporary fillings when indicated
6. Gum treatment except for alveolectomy/gingivectomy
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7. Simple adjustment of dentures +Access to HP Dental-accredited clinics in SM, Market2,
Festival, Robinson’s, Shangrila, and ATC malls.
8. Re-cementation of fixed bridges/crowns/jackets/inlays/onlays
+Dental card and booklet provided, as well as an
9. Treatment of pain/lesions/wounds/burns orientation and an annual utilization report.
10. Emergency dental procedures if necessary +Discounts available on procedures not included in the
dental HMO plan.
+Appointment preferred (unless emergency) Optional Nationwide Dental HMO: +/- P300
Optional Dental HMO benefits are covered on top of Medical HMO benefits
6. Purple Cow 2012
Competitive Advantages
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Why Purple Cow?
3 Major Employee Benefits in 1 Plan:
You get Group Life, Accident & Health
(medical HMO, optional dental HMO,
optional APE, and Wellness) – all in 1 plan.
(Unlike most HMO plans)
You get all the Employee Benefits you will ever need
7. Purple Cow 2012
Competitive Advantages
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Why Purple Cow?
Optional Dental HMO Network:
You can get 1 permanent filling, 2 oral
prophylaxes, and 8 other benefits from
790 dentists and 659 clinics nationwide.
(Unlike some HMO plans)
You can go to SM/ Market2/ Festival/ Robinson’s/ Shangrila/ ATC
8. Purple Cow 2012
Summary
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♠ What’s in it for…Employees?
EE Features EE Benefits
A complete Employee Benefits package You get more financial security from
that can make you financially secure Purple Cow than from any other HMO
Life INS, Accident INS, Medical HMO, You won’t need to get any more
Optional Dental HMO & Optional APE insurance benefits for yourself
Nationwide Medical & Dental networks, You can use any accredited hospital
inclusive of all major hospitals & clinics or clinic for medical or dental treatment
Choice of doctor as a Private Patient for You can see your own doctor and get
insurance reimbursement at HMO rates reimbursed the HMO doctor’s rate
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
