The document outlines 31 competitive advantages of Purple Cow's employee benefits plan: 1) It allows SMEs to join as a group and access benefits normally reserved for large companies. 2) Members can see HMO doctors for free or their own doctor for reimbursement. 3) It provides life, accident, health and other benefits in one package. 4) Members can choose different payment schedules to suit their needs.

1. 8. W HY P URPLE C OW ? 31 COMPETITIVE ADVANTAGES Appendix:

2. 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?

3. 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?

4. 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?

5. 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?

6. 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?

7. 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?

8. 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?

9. 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

10. #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?

11. #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?

12. 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?

13. 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?

14. #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?

15. #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?

16. #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?

17. #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?

18. #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?

19. Same Benefits for Dependents : Dependents can get the same benefits, terms and conditions as Employees (as well as the same costs in 2011). (Unlike most, if not all HMO plans) Your Dependents are treated like Employees 18 #18: Purple Cow 2011 Why Purple Cow?

20. #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?

21. #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?

22. #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?

23. #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?

24. #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?

26. #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?

27. #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?

28. #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?

30. #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

31. #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?

32. #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?

33. For more information, please visit www.purplecow.ph , … or contact Tom Gotuaco via email or mobile phone.