The document summarizes the employee benefits offered by Purple Cow, including life, accident, and health insurance. It provides details on the benefits such as life insurance equal to 5 times the maximum benefit limit, accidental death and disability coverage. It also outlines the health insurance benefits through an HMO plan with access to doctors, hospitals and facilities. Purple Cow aims to provide employees with financial security through these comprehensive 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.
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.
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 up to 1 million pesos, group accident insurance up to 1 million pesos, and group health insurance with benefits up to 200,000 pesos. It aims to provide "sulit" or good value protection for employees and help achieve financial security through equal access to benefits.
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 for sme 2011 (short version)thepurplecowph
The document summarizes the Purple Cow employee benefits package, which provides group life, accident, and health insurance benefits in one plan. It offers lower rates for the most common room and board categories. The Purple Cow aims to provide financial security to employees through affordable insurance benefits and appeals to employers by making employees and different levels of the organization happy.
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 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.
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 increase employees' financial security through equal access to quality healthcare 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.
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.
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 up to 1 million pesos, group accident insurance up to 1 million pesos, and group health insurance with benefits up to 200,000 pesos. It aims to provide "sulit" or good value protection for employees and help achieve financial security through equal access to benefits.
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 for sme 2011 (short version)thepurplecowph
The document summarizes the Purple Cow employee benefits package, which provides group life, accident, and health insurance benefits in one plan. It offers lower rates for the most common room and board categories. The Purple Cow aims to provide financial security to employees through affordable insurance benefits and appeals to employers by making employees and different levels of the organization happy.
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 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.
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 increase employees' financial security through equal access to quality healthcare benefits.
Purple cow employee benefits 2011 (the short version)mervinabagat
Purple Cow is a unique employee benefits product that provides financial security through equal access to benefits like life insurance, health insurance, and accident insurance. It aims to protect employees from financial insecurity due to medical emergencies. Purple Cow provides these benefits in one package at affordable rates and believes in helping employees through benefits.
Purple cow eb for sme 2012 (sales presentation)thepurplecowph
The document discusses a unique employee benefits product called Purple Cow that provides multiple layers of protection through group life, accident, and health insurance benefits in one package. It aims to provide financial security for both employers and employees of small and medium enterprises. Key benefits include life insurance up to 5 times monthly basic salary, accident coverage, access to an extensive healthcare network with no cash out requirements, and optional dental and physical exam coverage.
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 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.
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.
The document introduces employee benefits (EB) which are incentives given to employees to recruit and retain them. Common EB include paid vacations, health insurance, paid sick leave, and disability insurance. Insurance benefits like life insurance, accident insurance, and health insurance can provide employees with financial security. Giving insurance to employees helps take care of key success factors and stops employees from financial losses due to medical emergencies. The Purple Cow plan is being introduced as a unique EB plan that combines major life, personal accident, and health plans into one. It is a good selling tool that provides more financial security to employees.
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.
Insurance Proposal - SLIC Corporate Employee (Format)Chaminda de Silva
This document is an insurance proposal from Sri Lanka Insurance Corporation Ltd for the Leader Group. It proposes two main types of group insurance coverage:
1. Group Term Hospitalization Cover, which provides hospitalization benefits like room charges and surgery costs, as well as optional benefits like maternity coverage.
2. Group Term Life Cover, which pays a capital sum in the event of an employee's death before retirement, with options to add accidental death or disability coverage.
Premium rates would be provided once employee information is received, including number insured, dates of birth, and sum assured amounts. Sri Lanka Insurance Corporation has over 50 years of experience and financial strength to reliably provide these group insurance benefits.
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 short version)mervinabagat
Purple Cow is a unique employee benefits product that provides comprehensive coverage including life, accident, and health insurance. It aims to provide financial security for employees through equal access to affordable benefits. Key benefits include group life insurance from P100,000 to P1,000,000, group accident from P100,000 to P1,000,000, group health from P20,000 to P200,000, and optional annual physical exams. Purple Cow offers benefits to employees of all levels and aims to make everyone in the organization happy.
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.
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.
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.
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.
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.
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.
Purple cow employee benefits 2011 (the short version)mervinabagat
Purple Cow is a unique employee benefits product that provides financial security through equal access to benefits like life insurance, health insurance, and accident insurance. It aims to protect employees from financial insecurity due to medical emergencies. Purple Cow provides these benefits in one package at affordable rates and believes in helping employees through benefits.
Purple cow eb for sme 2012 (sales presentation)thepurplecowph
The document discusses a unique employee benefits product called Purple Cow that provides multiple layers of protection through group life, accident, and health insurance benefits in one package. It aims to provide financial security for both employers and employees of small and medium enterprises. Key benefits include life insurance up to 5 times monthly basic salary, accident coverage, access to an extensive healthcare network with no cash out requirements, and optional dental and physical exam coverage.
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 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.
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.
The document introduces employee benefits (EB) which are incentives given to employees to recruit and retain them. Common EB include paid vacations, health insurance, paid sick leave, and disability insurance. Insurance benefits like life insurance, accident insurance, and health insurance can provide employees with financial security. Giving insurance to employees helps take care of key success factors and stops employees from financial losses due to medical emergencies. The Purple Cow plan is being introduced as a unique EB plan that combines major life, personal accident, and health plans into one. It is a good selling tool that provides more financial security to employees.
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.
Insurance Proposal - SLIC Corporate Employee (Format)Chaminda de Silva
This document is an insurance proposal from Sri Lanka Insurance Corporation Ltd for the Leader Group. It proposes two main types of group insurance coverage:
1. Group Term Hospitalization Cover, which provides hospitalization benefits like room charges and surgery costs, as well as optional benefits like maternity coverage.
2. Group Term Life Cover, which pays a capital sum in the event of an employee's death before retirement, with options to add accidental death or disability coverage.
Premium rates would be provided once employee information is received, including number insured, dates of birth, and sum assured amounts. Sri Lanka Insurance Corporation has over 50 years of experience and financial strength to reliably provide these group insurance benefits.
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 short version)mervinabagat
Purple Cow is a unique employee benefits product that provides comprehensive coverage including life, accident, and health insurance. It aims to provide financial security for employees through equal access to affordable benefits. Key benefits include group life insurance from P100,000 to P1,000,000, group accident from P100,000 to P1,000,000, group health from P20,000 to P200,000, and optional annual physical exams. Purple Cow offers benefits to employees of all levels and aims to make everyone in the organization happy.
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.
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.
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.
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.
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.
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 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 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 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.
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.
Similar to Purple cow employee benefits 2011 (the long version) (20)
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 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 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.
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 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 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.
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) 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.
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.
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.
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.
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.
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.
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...sameer shah
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
2. Elemental Economics - Mineral demand.pdfNeal Brewster
After this second you should be able to: Explain the main determinants of demand for any mineral product, and their relative importance; recognise and explain how demand for any product is likely to change with economic activity; recognise and explain the roles of technology and relative prices in influencing demand; be able to explain the differences between the rates of growth of demand for different products.
[4:55 p.m.] Bryan Oates
OJPs are becoming a critical resource for policy-makers and researchers who study the labour market. LMIC continues to work with Vicinity Jobs’ data on OJPs, which can be explored in our Canadian Job Trends Dashboard. Valuable insights have been gained through our analysis of OJP data, including LMIC research lead
Suzanne Spiteri’s recent report on improving the quality and accessibility of job postings to reduce employment barriers for neurodivergent people.
Decoding job postings: Improving accessibility for neurodivergent job seekers
Improving the quality and accessibility of job postings is one way to reduce employment barriers for neurodivergent people.
How Does CRISIL Evaluate Lenders in India for Credit RatingsShaheen Kumar
CRISIL evaluates lenders in India by analyzing financial performance, loan portfolio quality, risk management practices, capital adequacy, market position, and adherence to regulatory requirements. This comprehensive assessment ensures a thorough evaluation of creditworthiness and financial strength. Each criterion is meticulously examined to provide credible and reliable ratings.
Understanding how timely GST payments influence a lender's decision to approve loans, this topic explores the correlation between GST compliance and creditworthiness. It highlights how consistent GST payments can enhance a business's financial credibility, potentially leading to higher chances of loan approval.
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.
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Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.
3. “ What is a Purple Cow ?” A unique product that stands out in the field. Gotuaco’s Purple Cow is a unique Healthcare product that stands out in the field of EMPLOYEE BENEFITS. Mo o ! Mo o ! 1
4. The Purple Cow Vision: financial security through employee benefits. Mo o ! Mo o ! 2 Purple Cow believes that financial security can be achieved through equal access to employee benefits.
5. The Purple Cow Mission: to protect employees from financial insecurity. Purple Cow provides you with many layers of protection, to stop you from losing money to medical emergencies. Mo o ! Mo o ! 3
6. The Purple Cow Core Value: take care of the hands that take care of you! Purple Cow believes in helping those who help you grow: if not thru more compensation , then thru more benefits. Mo o ! Mo o ! 4
11. 3. EB P RIMER A whole new world of Employee Benefits
12. What are Employee Benefits (EB) ? EMPLOYEE BENEFITS are incentives given to employees as part of an overall HR strategy to recruit or retain them. EB can help you win the war for talent 1 Purple Cow 2011 EB Primer
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21. 1 Purple Cow 2011 Benefits ACCIDENT 2. PERSONAL ACCIDENT 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. Opt. Reimbursement Plan * Prescribed Medicines, Dental & Vision LIFE 1. LIFE * Total & Perm. Disability Income LIFE – ACCIDENT – HEALTH Benefits Overview
22. 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. Opt. Reimb. for Rx meds, dental & vision 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. Special procedures = 30%/100% of MBL 16. Benefits on top of Philhealth 15. 100% Congenital Conditions coverage 14. 100% Pre-Existing Conditions coverage 11. MBL per disability, per year 10. Combined inpatient & outpatient limits 12. HMO patient for no-cash-out 13. Private patient for reimbursement (HMO rate) 9. HMO buffet of benefits: IP/OP/ER 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
23. 3 Purple Cow 2011 Benefits 1. Suicide within the 1 st year of coverage 5x MBL 1. Life 1 Life benefits are payable on top of Personal Accident and Health benefits 5x MBL EXCLUSIONS +Principals 18yo-65yo; Dependents 30dy-21yo / 18yo-65yo 1 Life insurance = 5x MBL, for death by any cause (suicide covered after 1 year); 2 Total & Permanent Disability Income (TPDI) = 5x MBL, in lieu of the Life benefit, after 6 months of TPD, whether sick or hurt. Example : If MBL = 20T, Life or TPDI = 100,000; If MBL = 40T, Life or TPDI = 200,000; If MBL = 60T, Life or TPDI = 300,000; If MBL = 80T, Life or TPDI = 400,000; If MBL = 100T, Life or TPDI = 500,000. 2. Total & Perm Disability Income 2 ASIANLIFE 1. LIFE (worldwide)
24. 4 Purple Cow 2011 Benefits _% 5x MBL _% 5x MBL 4. Assault 4 5x MBL 2. Murder 2 +Principals 18yo-65yo; Dependents 30dy-21yo / 18yo-65yo 1 Accidental Death = 5x MBL, for death from any type of accident; 2 Murder = 5x MBL, in lieu of the Accidental Death benefit, for death not due to accident but murder (provoked or not). Example : If MBL = 20T, Accidental Death or Murder = 100,000; If MBL = 40T, Accidental Death or Murder = 200,000; If MBL = 60T, Accidental Death or Murder = 300,000; If MBL = 80T, Accidental Death or Murder = 400,000; If MBL = 100T, Accidental Death or Murder = 500,000. +Principals 18yo-65yo; Dependents 30dy-21yo / 18yo-65yo 3 Disability = __% of 5x MBL, according to a long schedule of disabilities; 4 Assault = __% of 5x MBL, in lieu of the Disability benefit, for disability not due to accident but assault (provoked or not). Example : If MBL = 20T, Disability or Assault = __% of 100,000; If MBL = 40T, Disability or Assault = __% of 200,000; If MBL = 60T, Disability or Assault = __% of 300,000; If MBL = 80T, Disability or Assault = __% of 400,000; If MBL = 100T, Disability or Assault = __% of 500,000. Personal Accident benefits are payable on top of Life and Health benefits 5x MBL 3. Disability 3 1. Accidental Death 1 ASIANLIFE 2a. PERSONAL ACCIDENT (worldwide)
25. 5 Purple Cow 2011 Benefits Losses refer to total and permanent loss of use or complete severance 50% 8. Arm between elbow and wrist 100% 6. Any other injury causing Total Perm. Disab. +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. 19. Leg below knee 10% 13. Index finger 15% 12. Thumb 35% 11. Four fingers 50% 10. Four fingers and thumb of one hand 70% 4% 16. Little finger 100% 3. One hand and one foot 50% 5% 25% 50% 60% 3% - 2% 5% 6% 50% 25. Hearing - both ears 50% 24. Sight of one eye 7. Arm at or above elbow 22. Big toe 20. One foot 17. Metacarpals 1 st /2 nd - 3 rd/ 4 th /5 th 23. Any toe other than big toe (each) 21. All toes on one foot 18. Leg at or above knee 15. Ring finger 14. Middle finger 25% 26. Hearing - one ear 50% 100% 100% 100% 100% 5. Injuries resulting in being perm. bedridden 2. Both hands or feet or sight of both eyes 1% 9. One hand 4. Either hand or foot and sight of one eye 1. Life (same as Accidental Death) SCHEDULE OF DISABILITIES 2b. PERSONAL ACCIDENT…
26. 6 Purple Cow 2011 Benefits 13. Serving in the armed forces of any country, or international authority, whether in war or peace 4. Insect bites 5. Earthquake, volcanic eruption or tidal wave 11. Provoked murder / assault or attempted threat [waived] 10. Participation in any brawl, or committing any crime or felony 3. Poison, gas or fumes voluntarily or involuntarily taken 8. Accident occurring while or because the Insured is under the influence of alcohol or any drug 6. Atomic explosion, nuclear fission, or radioactive gas 12. War, invasion, act of foreign enemy or warlike operation (whether declared or undeclared), mutiny, strikes, demonstrations, riots, civil commotion, conspiracy, military takeover, state of siege, or any weapon or instrument employing atomic fission or radioactive force whether in time of peace or war 2. Disease, sickness, parasite, or disorder of the body/ mind 15. Hunting, motorcycling or pillion riding, mountaineering which necessitates the use of ropes or pitons, racing of any kind, other than on foot, ice or winter sports, water-ski jumping and tricks, yachting beyond 5 km. off a coastline, underwater activities involving the use of underwater apparatus, or using woodworking machinery driven by mechanical power other than portable tools, applied by hand and used solely for private purposes without reward 14. Entering, operating, servicing, ascending or descending from any aerial or submarine device or conveyance, except as provided under a passenger aviation provision 9. Suicide or any attempted threat while sane or insane, or any intentionally self-inflicted injury 7. Pregnancy, childbirth, miscarriage or any complications 1. Bodily or mental infirmity, hernia, ptomaine, bacterial or viral infection (except pyogenic infection occurring with and through an accidental cut or wound) EXCLUSIONS 2c. PERSONAL ACCIDENT…
27. 7 Purple Cow 2011 Benefits TERMS & CONDITIONS 8. Separate Dependent utilization to reduce cost 8. 100% Congenital Conditions coverage +Same rates for Dependents in 2011 +Principals 18yo-65yo; Dependents 30dy-21yo / 18yo-65yo 10. Special Procedures = 30%/100% of MBL 9. Benefits on top of Philhealth 7. 100% Pre-Existing Conditions coverage 10. 1 st year Virgin promo rate, if applicable 5. Minimum group size = 10 5. Private patient for reimbursement (HMO rate) Medical HMO benefits are covered on top of Life and Personal 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. Access to Big 5 Hospitals and Healthway 4. HMO patient for no-cash-out 3. MBL per disability, per year 2. Combined inpatient & outpatient limits 1. HMO buffet of benefits: IP/OP/ER ASIANLIFE (21,519 MD / 352 hospitals / 358 clinics) 3a. MEDICAL HMO (nationwide)
28. 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…
29. 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…
30. 10 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 3d. MEDICAL HMO…
31. 11 Purple Cow 2011 Benefits 1 +No reimbursements allowed (unless you get the optional Reimbursement Plan for Rx Medicines, Dental & Vision). +Discounts of up to 20% available on procedures not included in the dental HMO plan. +Dental card and booklet provided, as well as an orientation and an annual utilization report. 8. Re-cementation of fixed bridges/crowns/jackets/inlays/onlays Dental HMO benefits are covered on top of Medical HMO benefits EXCLUSIONS HEALTH PARTNERS (775 dentists / 645 clinics) 9. Treatment of pain/lesions/wounds/burns +By appointment only (unless emergency) 10. Emergency dental procedures if necessary 7. Simple adjustment of dentures 6. Gum treatment except for alveolectomy/gingivectomy 5. Temporary fillings when indicated 4. Simple tooth extractions if indicated 3. Unlimited consultations 2. (2) oral prophylaxes 1. Dental procedures not included in the dental HMO plan 1. (1) permanent filling 4. DENTAL HMO (nationwide)
32. 12 Purple Cow 2011 Benefits +You can add additional procedures to your Basic 5 APE: call GRA to help design, source, price, and schedule your APE anytime during your plan year. +Nationwide (241 clinics, 31 mobile) or Metro Manila-wide (114 clinics, 24 mobile) APE also available to companies with multiple locations, at roughly triple or double the cost respectively (reflecting their average cost of a Basic 5 APE). Otherwise, individual clinics are best, whether designated or mobile. EXCLUSIONS ASIANLIFE (241 designated clinics, 31 mobile clinics) APE benefits are covered on top of Medical HMO benefits +The Annual Physical Exam (APE) is a diagnostic tool, not a cure for sickness or accident. Results can serve as a baseline for referral to specialists who can authorize tests and/or prescribe further treatment. +By appointment only, 30 days in advance. +Pay as you go, so you don’t lose it if you don’t use it (don’t pay in advance, as payment is not transferable). Basic 5 Cost +/- P300 (for designated or mobile clinics). 5. Fecalysis 4. Urinalysis 3. CBC Basic 5 only 2. Chest X-Ray 1. APE procedures not included in the Basic 5 APE plan 1. Physical examination 5. Optional Annual Physical Exam
33. 13 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 ASIANLIFE Rx Medicines, Dental & Vision are covered on top of Medical & Dental HMO benefits +Reimbursement for Prescribed Medicines, Dental & Vision benefits within 15 working days of receipt of all documents. +Reimbursement for Prescribed Medicines 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 prescribed medicines, dental and vision benefits together = 1/10 th your MBL. 1. Vitamins, supplements and/or non-BFAD approved medicines, herbal medicines, and other medicines that have no legal BFAD-approved therapeutic claims 1. Prescribed Medicines 6. Optional Reimbursement Plan
34. 5. C OSTS Your INVESTMENT in Financial Security
44. 7. C ONCLUSIONS Purple Cow = more Employee Benefits = more Financial Security
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51. 8. W HY P URPLE C OW ? 31 COMPETITIVE ADVANTAGES Appendix:
52. 1 ‘Large’ Size Fits All SME : If you are an SME, with 10+ employees, you can join Purple Cow, be part of a bigger group, and be treated like a large company. (Unlike most HMO plans) You can enjoy the same toys as the Big Boys 1 #1: Purple Cow 2011 Why Purple Cow?
53. 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 #2: Purple Cow 2011 Why Purple Cow?
54. 3 Major Emp. Benefits in 1 Package : you get Life, Personal Accident & Health (medical HMO, dental HMO, opt. APE, opt. Reimbursement) – all in 1 package. (Unlike most HMO plans) You get all the Employee Benefits you will ever need 3 #3: Purple Cow 2011 Why Purple Cow?
55. 4 Modes of Payment : you can choose from annual, semi-annual, quarterly, or monthly modes of payment to suit your cash flow or budget. (Unlike most HMO plans) You can pay Annual (60%), S.A. (5%), Qtr. (30%) or Mo. (5%) 4 #4: Purple Cow 2011 Why Purple Cow?
56. Up to 5 R&B x 3 MBL Choices each : you can choose up to 5 SME Room & Board categories x 3 Maximum Benefit Limits each to suit your wants, needs or budget. (Unlike most HMO plans) You can try new combinations to see if they are ‘sulit’ 5 #5: Purple Cow 2011 Why Purple Cow?
57. 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 #6: Purple Cow 2011 Why Purple Cow?
58. 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 #7: Purple Cow 2011 Why Purple Cow?
59. 8 #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
60. #9: Pooled Employee Utilization : your Employee utilization is pooled together with the employee utilization of all other groups, to spread your risk. (Unlike most HMO plans) Stick with the Herd: there’s safety in numbers 9 Purple Cow 2011 Why Purple Cow?
61. #10: Separate Dependent Utilization : your Employee and Dependent utilization are separate, so you won’t have to worry about Dependents affecting your rates. (Unlike most HMO plans) You can provide voluntary Dependent coverage w/o fear 10 Purple Cow 2011 Why Purple Cow?
62. Life Insurance : your Life insurance benefit = 5x MBL. Twist: if you don’t die, but you’re totally and permanently disabled, TPDI = 5x MBL. (Unlike all HMO plans) 11 You can get 1 year’s worth of income replacement #11: Purple Cow 2011 Why Purple Cow?
63. Accidental Death Insurance (PA) : your Accidental Death benefit = 5x MBL. Twist: if you don’t die by accident, but by Murder, you get 5x MBL. (Unlike all HMO plans) You can get another year’s worth of income replacement 12 #12: Purple Cow 2011 Why Purple Cow?
64. #13: Disability Insurance (PA) : your Disability benefit = __% of 5x MBL. Twist: if you don’t get disabled by accident, but by Assault, you get __% of 5x MBL. (Unlike all HMO plans) You can get up to 1 year’s worth of income replacement 13 Purple Cow 2011 Why Purple Cow?
65. #14: Medical HMO : 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?
66. #15: Dental HMO : you can get 1 permanent filling, 2 oral prophylaxes, and 8 other benefits from 775 dentists and 645 clinics nationwide. (Unlike most HMO plans) You can go to SM/ Market 2 / Festival/ Robinson’s/ Shangrila/ ATC 15 Purple Cow 2011 Why Purple Cow?
67. #16: Optional Annual Physical Exam : you can customize your APE and request a designated or mobile clinic from GRA; or you can get a Basic 5 APE nationwide. (Unlike most HMO plans) You can decide if you want an APE, and if so, what kind 16 Purple Cow 2011 Why Purple Cow?
68. #17: Optional Reimbursement Plan : you can get reimbursed up to an aggregate limit of 1/10 th your MBL for Prescribed Medicines, Dental & Vision. (Unlike all HMO plans) You can get the best perks of medical insurance as well 17 Purple Cow 2011 Why Purple Cow?
69. 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 18 #18: Purple Cow 2011 Why Purple Cow?
70. #19: The Price is Right : Purple Cow rates are lowest where they matter the most: in the 2 lowest categories, where you enroll up to 99% of your staff. (Unlike most HMO plans) You get the greater good for the greater number 19 Purple Cow 2011 Why Purple Cow?
71. #20: The Design is Right : Purple Cow provides medical necessity, not luxury. Savings from excess R&B/MBL are reallocated to benefits of greater use. (Unlike most HMO plans) R&B/MBL combinations are good up to 99% of the time 20 Purple Cow 2011 Why Purple Cow?
72. #21: The Perfect Insurer : you get the biggest name in group life and medical, and the only insurance company in the PH today that offers an HMO-type plan. (Unlike all insurance companies) You can get the best of both worlds from ALGA 21 Purple Cow 2011 Why Purple Cow?
73. #22: The Perfect Broker : you get to retain the services of the #1 Filipino, family-owned, full-line insurance brokerage in the PH today. (Unlike most brokers) You can outsource EB and other insurance lines to GRA 22 Purple Cow 2011 Why Purple Cow?
74. #23: Buy Now, Pay Later : you can sign up today, get covered right away, and pay later when GRA bills you (during your EB orientation, at the earliest). (Unlike some HMO plans) Sign up today and take advantage of the float tomorrow 23 Purple Cow 2011 Why Purple Cow?
75.
76. #25: Utilization Reports : you get a detailed, user-friendly report that gives you insights into your own group’s utilization patterns, once a year. (Unlike some HMO plans) You will learn even more about your own company 25 Purple Cow 2011 Why Purple Cow?
77. #26: Group Renewal Rates : you get a group renewal rate increase or decrease at the start of every year, so you can plan accordingly. (Unlike most HMO plans) Renewals will become as smooth as clockwork 26 Purple Cow 2011 Why Purple Cow?
78. #27: Group Experience Refund : you get to share in the excess, if any, of the group’s favorable utilization experience: ((premiums x 60% ) – (YTD + IBNR claims)) x 50% = Exp. Refund (Unlike most HMO plans) Good experience refund formulas keep Suppliers honest 27 Purple Cow 2011 Why Purple Cow?
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80. #29: 29 Purple Cow 2011 Why Purple Cow? Non-Employees can Win, too : you can even cover agents, associations, and multi-purpose cooperatives, as long as certain selection & payment criteria are met. (Unlike most HMO plans) You can get Employee Benefits for Non-Employees
81. #30: Virgins can Win Even More : you get a 1 st year Virgin promo rate if your company has never had group insurance or HMO before. (Unlike all HMO plans) You can renew at the prevailing Non-Virgin rates in 2012 30 Purple Cow 2011 Why Purple Cow?
82. #31: Large Companies can do a TPA : if you become a Large Company, you can self-insure as a stand-alone account, using the same Purple Cow schedule of benefits. (Unlike all TPA plans) You can switch from insured to self-insured plans easily 31 Purple Cow 2011 Why Purple Cow?
83. For more information, please visit www.purplecow.ph , … or contact Tom Gotuaco via email or mobile phone.
84. Renowned author Seth Godin approved my use of the term PURPLE COW (2/4/09): “ It’s fine with me, just please make it clear that I haven’t endorsed your service .” Disclaimer