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WELCOMEWELCOME
toto
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aritas
ealthssociates
arketingrofessionrogram
CC
HHAA
MMPP
PP
…… welcomeswelcomes youyoutoto
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Our Our VisionVisionFamilies that areassured of the
proper health care
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Our Our MissionMissionTo provide the besthealth care for
Filipino families
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Our Our
CorporateCorporateThrust Thrust To be...
Client-friendlyHospital & Doctor-friendlySales associate-friendly
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CareerCareer
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We look at allWe look at allthese signs,these signs,
searchingsearchingfor...for...
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the BEST BUSINESS VENTURE...
with with
BIG RETURNS!
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Here in
We want itWe want itHIGH!HIGH!
We don’tWe don’t want your want yourBPBP stable…stable…
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Lifetime career
Focused on salesforce
Provides growth
Allows you to carry
other products
BBusinessusinessPPartnershipartnership
withwith BBigigPPotentialotential
BP …BP …
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BBreed of
PProfessionals
BP …BP …
Corporate OfficersCorporate Officers Honorary Chairman Dr. FRANCISCO DIZON
Chairman Dr. AVENILO AVENTURAPresident & CEO Mr. GEOFFREY MARTINEZ SVP & Treasurer Mr. MARIANO KATIPUNAN, Jr. Corporate Secretary Atty. CHARLES ESCOLIN
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Senior OfficersSenior Officers FVP – Operations Mrs. ANA MARIA K. ESCALONA
VP – Med. Services Dr. LAURO D. MAGBIRAY VP – Marketing Admin Mrs. LYDIA K. DOMINGO VP – Corp. Affairs Atty. MANUEL S. REYES VP – Clinica Caritas Dr. JOSEFINA A. CANO
VP – Comptroller Mr. BOBBIE M. MARTINEZVP – MAM Mrs. RAFE M. DIAZ
VP – Med. Services DR. EULOGIO S. ABALAJON IIVP – I.T. Mr. REGIDOR L. TENG
VP – Caritas Leasing Mr. EDGAR C. DE ASIS
BBreed of
PProfessionals
BP …BP …
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Backed by aNATIONWIDE MARKETING TEAM
Total Health Counselors = 8,719
Total Group Managers = 1,087
Total Agency Managers = 357
BBreed ofPProfessionals
BP …BP …
BRANCH MARKETING TEAMTotal Health Counselors =
Total Group Managers =
Total Agency Managers =
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BBroad PProvidersOne of the Largest in the Philippines!!!
BP …BP …
EMINENT MEDICAL PRACTITIONERSEMINENT MEDICAL PRACTITIONERS
Obstetrics / GynecologyObstetrics / Gynecology
Female Reproductive SystemFemale Reproductive System
PediatricsPediatrics
Children 18 years old andChildren 18 years old andbelowbelow
CardiologyCardiology
HeartHeart
GastroenterologyGastroenterology
Esophagus, Stomach, IntestinesEsophagus, Stomach, Intestines
General SurgeryGeneral Surgery
Surgical ProceduresSurgical Procedures
Orthopedic SurgeryOrthopedic Surgery
Bones and Joints SurgeryBones and Joints Surgery
Anesthesiology Anesthesiology
For Pain ManagementFor Pain Managementand Surgeryand Surgery
DermatologyDermatology
For Skin ProblemsFor Skin Problems
Pulmonary MedicinePulmonary Medicine
LungsLungs
UrologyUrology
Kidney, Bladder and ProstateKidney, Bladder and Prostate
NeurologyNeurology Brain Non - SurgicalBrain Non - SurgicalEar, Nose and ThroatEar, Nose and Throat
Ear, Nose and Throat ProblemsEar, Nose and Throat Problems
OphthalmologyOphthalmology
EyesEyes
NephrologyNephrology
Kidney Function and DialysisKidney Function and Dialysis
RheumatologyRheumatology
Joint and Immune DisordersJoint and Immune Disorders
EndocrinologyEndocrinology
Diabetes, Thyroid, AdrenalDiabetes, Thyroid, Adrenaland Pituitary Disordersand Pituitary Disorders
NeurosurgeryNeurosurgery
Brain SurgicalBrain Surgical
DiabetologyDiabetology
DiabetesDiabetes
OncologyOncology
Cancer Treatment andCancer Treatment and
ManagementManagement
HematologyHematology
Blood DisordersBlood Disorders
Infectious DiseasesInfectious DiseasesInfectious DisordersInfectious DisordersInternal MedicineInternal Medicine ADULT MEDICINE
Family MedicineFamily Medicine
FOR ALL ADULT, PEDIA AND OB
PATIENTS
Thoraco-vascular SurgeryThoraco-vascular SurgeryThoracic and Blood Vessels
Surgery
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BBroad PProviders
BP …BP …
Clinica CaritasClinica CaritasNetworkNetwork
HEAD OFFICEG/F Caritas Building,
97 E. Rodriguez Sr. Blvd.
Quezon CityTel. No.: 781-5507
METRO MANILA
Alabang
Aurora Blvd.Blumentritt
Cardinal Santos
Cainta
Cubao
Fairview
Lagro
Makati
Manila Sanitarium
MonumentoOrtigas
Quezon Ave.
Sta. Cruz
Sta. Mesa
Sucat
Taft
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BBroad PProviders
BP …BP …
Clinica CaritasClinica Caritas
ProvincialProvincialNetworkNetwork
Antipolo
Bacolod
Baliuag
BatangasButuan
Cagayan de Oro
Calamba
Cebu
Dasmariñas
Davao
Digos
Dumaguete
General Santos
Iloilo
Imus
Koronadal
Legaspi
Marilao
Malolos
Meycauayan
RoxasSan Pedro
Santiago
Tacloban
Tuguegarao
BP
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BBroad PProvidersBP …BP …
CARITAS FAMILY
HOSPITAL
IMPROVEMENT PERSPECTIVE
1474 Maria Clara St., Sta. Cruz, Manila
BP
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BBroad PProvidersBP …BP …
CARITAS FAMILY COLLEGE 1452 A. H. Lacson St., Sampaloc, Manila
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BBills PPaid
BP …BP …
Trust Fund as of December 31, 2012 –Trust Fund as of December 31, 2012 –Php 7,119,404,138.48Php 7,119,404,138.48
Caritas Heath Shield is in good standingCaritas Heath Shield is in good standingwith all of its healthcare providers --with all of its healthcare providers --doctors, specialists, dentists, hospitalsdoctors, specialists, dentists, hospitals& diagnostic centers.& diagnostic centers.
Assures delivery of commitment to your Assures delivery of commitment to your clients!clients!
Financially sound Health MaintenanceFinancially sound Health MaintenanceOrganization (HMO) companyOrganization (HMO) company
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BBrilliant PProducts
BP …BP …
A first of its kind HMO product! A first of its kind HMO product!
Superior BenefitsSuperior Benefits
TANGIBLE!TANGIBLE!…your client need not be sick…your client need not be sickto enjoy the benefits!to enjoy the benefits!
No medical examinations required.No medical examinations required.
No annual medical examinations requiredNo annual medical examinations requiredon your clients’ succeeding years of on your clients’ succeeding years of coverage.coverage.
Covers even your clients’ pre-existingCovers even your clients’ pre-existingillnessesillnesses
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A comprehensive Healthcare Membership ProgramA comprehensive Healthcare Membership Program
TYPES OF MEMBERSHIP:Healthcare Program Packages
A comprehensive Healthcare Membership Program perfectA comprehensive Healthcare Membership Program perfect with your CLIC Heart Shield 5 with your CLIC Heart Shield 5
A comprehensive Healthcare Membership Program at a moreA comprehensive Healthcare Membership Program at a more
affordable cost.affordable cost.
An adequate value-for-money hospitalization and annualAn adequate value-for-money hospitalization and annualphysical examination programphysical examination program
A comprehensive Healthcare Membership Program ideal forA comprehensive Healthcare Membership Program ideal forcompanies and families.companies and families.
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Target Markets:Target Markets:
Individual SalesIndividual Sales
Individual Sales through Salary DeductionIndividual Sales through Salary Deduction(SSS)(SSS)
Family AccountsFamily Accounts
Corporate ExpandedCorporate Expanded
Corporate TraditionalCorporate Traditional
•CLASSICCLASSIC
•DIAMONDDIAMOND
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BBudget PPackaged
BP …BP …
Budget friendly with moreBudget friendly with more
than forty (40) membershipthan forty (40) membershippackages your clients canpackages your clients canchoose from.choose from.
Affordable Affordable
Not hard to sellNot hard to sell
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BBuyer PPropelled
Unlimited marketUnlimited market
It's what everyone is asking for!It's what everyone is asking for!The product is not justThe product is not just
important…important…
IT’S ANIT’S ANURGENT NEED!URGENT NEED!
BP …BP …
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BBreathtaking PPackage
BP …BP …
Biggest Basic Commission on the FirstBiggest Basic Commission on the FirstYear PremiumYear Premium
Automatic Retention of Net Automatic Retention of Net
CommissionCommission
22ndnd to 5to 5thth Year Renewal/CollectingYear Renewal/CollectingCommission SchemeCommission Scheme
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3 Dynamic & Geometric Monthly Grand Slam Drives:3 Dynamic & Geometric Monthly Grand Slam Drives:
Year Round Seasonal Drives Year Round Seasonal Drives
Year Round Head Hunter’s Rewards Year Round Head Hunter’s Rewards
Annual ConventionAnnual Convention
- Local Travel- Local Travel
- International Travel- International Travel
11Ice BreakerHi –RollerFinisher
22GrandSlamPrize
33GrandSlamBonus
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BBuilt-in PPrivileges
BP …BP …
Upon licensing, you are automatically coveredfor a period of one year from date of licensing
with:FREE Out – Patient ServicesFREE Out – Patient ServicesFree 12 consultations for one year.
Free 10 pre/post natal consultations perpregnancy.Free treatment of minor injury or illness.
Free treatment of eye, ear, nose and throat.
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FREE Preventive Health CareFREE Preventive Health CareFree periodic monitoring of health problems.Free consultation on diet, exercise and other
healthful habits.
Free counseling on family planning.Free immunization, excluding cost of drugs
or vaccine.
Free enrollment in company-sponsoredhealth seminars.
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FREE Other ServicesFREE Other ServicesDiscounts on non-covered health
services at selected hospitals, clinics,laboratories, drugstores or optical shops.
BP
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BBuilt-in PPrivileges
BP …BP …
Upon hitting a Total Contract Price (TCP) of P300,000in CHSI programs within 3 months from licensing, you will further enjoy the following benefits:
FREE Annual Physical ExaminationFREE Annual Physical ExaminationTaking of medical historyMedical examinationChest x-ray
Complete blood countFasting blood sugarUrine and stool examElectrocardiogram
Pap smear
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FREE Dental CareFREE Dental CareAnnual oral prophylaxisTooth extraction
Temporary Filling or re-cementationTreatment of oral pain lesions,
wounds & burns
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Over 81 Branch Offices toOver 81 Branch Offices todo business with and 43do business with and 43
Clinica CaritasClinica Caritas nationwide to take care of nationwide to take care of your clients.your clients.
BBusiness with PPleasureBP …BP …
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Is
RITAS HEALTH SHIEthe
BEST BUSINESS VENTUREBEST BUSINESS VENTURE
with with BIG RETURNSBIG RETURNS ??
NO!!NO!!
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We will give you the best time with the best…We will give you the best time with the best…
BB usinessPP artnership with
BB ig PP otential complemented with
BB road PP roviders run by aBB reed of PP rofessionals offering a
BB rilliant PP roduct with a
BB reathtaking PP ackage plus
BB uilt-in PP rivileges because you are a
BB ig
PP art
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of the
BEST BUSINESS VENTURE, not just with big returns,
Keeping your BP High!!!Keeping your BP High!!!
but THE BIGGEST
RETURNS!!!
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Member:Member: Association of Health Association of Health
MaintenanceMaintenanceOrganizations of theOrganizations of thePhilippines, Inc,Philippines, Inc,
(AHMOPI)(AHMOPI)
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ConceptConcept
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Do we all have a
NEEDNEED
for the product?
Urgent?Urgent?Why?Why?
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SA PANAHON LANG BA NG CRISIS...
BAWALBAWALMAGKASAKIT?MAGKASAKIT?
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When illness / emergency hits...
When a loved oneunexpectedly gets sick
CRISISCRISIS!!
UFFERINGSSAll these sum up to
GNOREDIIWith no ready cash, thereisn’t enough care & concern
ELLSSFighting for dear life, weare forced to
NDEBTEDNESSIIWhich results to
UN to relatives/friendsRRAnd in the absenceof CASH, we
ASHCC
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Why invest in
CARITASCARITASHEALTHHEALTH
SHIELDSHIELD?
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ASHCC
We believe getting sick need not lead to CRISIS,Getting sick means being CARED FOR!
UFFERINGSSGNOREDII
ELLSSNDEBTEDNESSIIUN to relatives/friendsRR
… the CARITASCARITAS Solution
CC HARGE
T PEACE andAA
UFFICIENTLY provided for.SS
TT REATED
II NSURED
RR ESOURCES are intact AA SSURED
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Nothing could be more
URGENTURGENTthan to be able to
SUFFICIENTLY PROVIDESUFFICIENTLY PROVIDEfor you and your loved ones!!!
CARITAS HEALTHCARITAS HEALTH
SHIELDSHIELD?Urgent?Urgent?Why?Why?
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MembershipMembership
MechanicsMechanics
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How does the CARITAS MembershipProgram work?
Who can apply?
How does a MEMBER get covered? How long is the MEMBER covered?
What are the benefits?
How much is the cost involved?
Is it a yearly renewable plan?
Is the premium fixed?
Membership MechanicsMembership Mechanics
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Clients subscribing to Caritas HealthShield are called MEMBERS.
GOLD MembershipPREMIER MembershipCORE 10 Membership
The MEMBER…
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Membership is open to applicants who are:In good health
Aged 7 to 60 at the time of application
No medical examination is required.
The MEMBER…
With Insurance Benefit(WIB)
PREFERRED
No Insurance Benefit
(NIB)
PRIVILEGED
18 to 60 years oldIn good health
Less than 18 yearsold
Wh i it ll d
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There 3 stages of coverage to remember
PAYING PERIOD PAID-UP PERIOD EXPANDED PERIOD
Why is it called
EXPANDED HEALTHCARE PROGRAM?
The Member’s obligation is limited to a 5-year
paying period during which he already enjoys theplan’s benefits.
The Member’s benefits extend even after thePaying Period or Paid-up Period, at the time he
no longer pays any plan installment.The program further provides an expanded
period that assures of a continuously increasingMaximum Benefit Limit (MBL) for himself orshared with a relative within the 2nd degree of
consanguinity or affinity.
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How do we assist an applicant in deciding whichExpanded Health Care Program package to get?
1. We counsel the applicant on how much MBL he will need.
2. We counsel the applicant as to when it is best to enjoy orassign his EXPANDED BENEFITS.
3. We counsel the applicant on the type of membership forhis needs.
4. We counsel the applicant on the appropriate price guidedby his entry age and health condition.
5. We counsel the applicant on the most convenient mode ofpayment
The 5 Simple Steps:The 5 Simple Steps:
Counsel the applicant on how much MaximumSTEP 1STEP 1
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Counsel the applicant on how much MaximumBenefit Limit he will need.
It is the maximum amount to be covered by CARITAS for Medical Expense Benefits & Membership Privileges.Any cost above the prescribed MBL shall be for the
account of the MEMBER.
Maximum Benefit Limit (MBL)Maximum Benefit Limit (MBL)
PAYING PERIODPAYING PERIOD Yearly Maximum CoverageYearly Maximum Coverage
PAID-UP PERIODPAID-UP PERIOD Yearly Maximum CoverageYearly Maximum Coverage
EXPANDED PERIODEXPANDED PERIOD
Expanded Benefit LimitExpanded Benefit Limit
STEP 1.STEP 1.
The MBL for each of the 3 stages of coverage is referredto as follows:
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EXPANDED BENEFIT LIMITEXPANDED BENEFIT LIMIT
One (1) unit = P10,000 IEBL at the start of theExpanded Period of Coverage.
EXPANDED PERIODEXPANDED PERIOD
At the start of the Expanded Period, the MBL is referred toas the Initial Expanded Benefit Limit (IEBL)Initial Expanded Benefit Limit (IEBL)
The IEBL is determined based on the number of units and
plan name:
PRE-COMPUTED INITIAL EXPANDED BENEFIT LIMITPlanName
A+ A B C D E F
No. ofUnits
50 30 20 15 10 7 5
IEBL 500,000 300,000 200,000 150,000 100,000 70,000 50,000
EXPANDED BENEFIT LIMIT
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EXPANDED BENEFIT LIMITEXPANDED BENEFIT LIMITEXPANDED PERIODEXPANDED PERIOD
The Initial Expanded Benefit Limit willincrease by 5% or 8% every year from the startof the Expanded Period of Coverage!
PayingPeriod
Paid-upPeriod
Expanded Period
200,000
SampleSample
computationcomputation
based on 8%.based on 8%.
216,000 233,280 251,942 272,097
11th 12th 13th 14th 15th
7th 8th 9th 10th 11thExpanded 6
Expanded 10
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Counsel the applicant as to when it is best toenjoy or assign his EXPANDED BENEFITS.
STEP 2.STEP 2.
(After 6(After 6
years)years)Expanded – 6Expanded – 6
(After 6(After 6
years)years)Expanded – 6Expanded – 6
(After 10(After 10years)years)
Expanded –Expanded –1010
(After 10(After 10years)years)Expanded –Expanded –
1010
1
2
C l h li h i i bSTEP 2STEP 2
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Program Year
1 2 3 4 5 6PAYING PERIOD PAID-UP
PERIODEXPANDED PERIOD
Expanded – 6Expanded – 6Expanded – 6Expanded – 6
Yearly Maximum Coverage balloons during the FIRSTFIRST
6 YEARS6 YEARS, then further expands during the ExpandedPeriod when Expanded Benefit Limit may already beshared to a Member’s relative within the 2nd degree ofconsanguinity or affinity.
Max PerIllness
DailyRoomRate
Counsel the applicant as to when it is best toenjoy or assign his EXPANDED BENEFITS.
STEP 2.STEP 2.
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Program Year
1 2 3 4 5 6 7 8 9 10
PAYINGPERIOD
PAID-UPPERIOD
EXPANDEDPERIOD
Expanded –10Expanded –10Expanded –10Expanded –10
Similar plans are available for both Expanded-6 and Expanded-10 HealthCare Programs.
Yearly Maximum Coverage balloons during the FIRST 10 YEARSFIRST 10 YEARS,then further expands during the Expanded Period whenExpanded Benefit Limit may already be shared to a Member’srelative within the 2nd degree of consanguinity or affinity.
MaxPer
Illness
DailyRoomRate
Counsel the applicant on the type of
STEP 3STEP 3
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Counsel the applicant on the type ofMembership for his needs.
A comprehensive HealthcareA comprehensive Healthcare
Membership ProgramMembership Program
TYPES OF MEMBERSHIP:Healthcare Program Packages
STEP 3.STEP 3.
A comprehensive HealthcareA comprehensive HealthcareMembership Program perfect withMembership Program perfect withyour CLIC Heart Shield 5your CLIC Heart Shield 5
A comprehensive HealthcareA comprehensive HealthcareMembership Program at a moreMembership Program at a moreaffordable cost.affordable cost.
Counsel the applicant on the appropriate price guided
STEP 4STEP 4
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Counsel the applicant on the appropriate price guidedby his entry age and health condition.
The TotalContract Price(TCP), Premium& Insurability are
based on:1. HealthCareProgram
2. HealthCondition
3. Age
AgeAge
Health StatusHealth Status
PREFERREDPREFERRED(In good health)(In good health)With InsuranceWith Insurance
PRIVILEGEDPRIVILEGED(Not in good health)(Not in good health)No InsuranceNo Insurance
7 to less than 12 No plan available Rated Premium
12 to less than 18 No plan available Standard Premium
18 to less than 50 Standard Premium Standard Premium
50 to 60 Rated Premium Rated Premium
Premium Classification
STEP 4.STEP 4.
Counsel the applicant on the most convenient mode ofSTEP 5STEP 5
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Counsel the applicant on the most convenient mode ofpayment.
Terms and Modes of PaymentModeMode No. of PaymentsNo. of Payments
Spot CashSpot Cash1-time payment with 10%Discount
5-Years5-Yearsto Payto Pay
Annual5 Installments(once a year)
Semi-
annual
10 Installments with modal
charges(every 6 months)
Quarterly20 Installments with modalcharges(every 3 months)
The Total ContractPrice (TCP),Premium &Insurability are
based on:1. HealthCareProgram
2. Health Condition
3. Age
STEP 5.STEP 5.
Applying the 5 Steps, we can arrive at a defined
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1. Plan B, 20 Units, P200,000 IEBL
Sample ProgramSample Program
Applying the 5 Steps, we can arrive at a defined
EXPANDED HEALTHCARE PROGRAM.
Step 1: Counsel the applicant on how much MBL he will need.
Step 2: Counsel the applicant as to when it is best to enjoy orassign his EXPANDED BENEFITS.
Sample ProgramSample Program
2. Expanded-10 or after 10 Years (2023)
Step 3: Direct the applicant on the type of Membership for his
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p 3 pp yp pneeds.
3. GOLD
Sample ProgramSample Program
Step 4: Direct the applicant on the appropriate price guided by hisentry age and health condition.
Sample ProgramSample Program
4. Preferred With Insurance, 18-55 Years Old (410,820 TCP)
Step 5: Direct the applicant on the most convenient mode ofpayment.
Sample ProgramSample Program
5. Quarterly Mode (P23,006.00)
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Major BenefitsMajor Benefits
O P d tO P d t
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An HMO Membership Plan
That enables the Member to build upgradually a FAMILY HEALTH CARE FUND
While enjoying the protection of a
COMPREHENSIVE HEALTH CAREPROGRAM
And a FOUR (4) Way Life InsuranceCoverage
The Caritas Expanded Health Care Program
Our Product…Our Product…
your healthcare membership
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…your healthcare membershipthat goes beyond!
Program Year
1 2 3 4 5 6 7 8 9 10
PAYING PERIOD PAID-UP PERIOD EXPANDED PERIOD
Program Year
1 2 3 4 5 6PAYING PERIOD PAID-UP
PERIODEXPANDED PERIOD
Expanded - 6Expanded - 6
Expanded – 10Expanded – 10
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TYPES OF MEMBERSHIP
Benefits depend on…
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MAJOR BENEFITS
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD EXPANDED PERIODEXPANDED PERIOD
MBL: YEARLY MAXIMUM COVERAGEWith corresponding Maximum Daily Room Rate
…that increases every year!
MBL: YEARLY MAXIMUM COVERAGEWith corresponding Maximum Daily Room Rate
…that increases every year!
MEDICAL EXPENSE BENEFITSMEDICAL EXPENSE BENEFITS
MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGES
FOUR (4) – WAY INSURANCEFor Members aged 18-60 upon entry
FOUR (4) – WAY INSURANCEFor Members aged 18-60 upon entry
MBL: EXPANDED BENEFIT LIMIT…that increases every year!…that may be shared with your
loved ones!
MBL: EXPANDED BENEFIT LIMIT…that increases every year!…that may be shared with your
loved ones!2
3
4
1
5
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A A comprehensive
Healthcare Membership
Program
ENEFIT LIMITENEFIT LIMIT
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ENEFIT LIMITENEFIT LIMIT
PAYINGPAYINGPERIODPERIOD PAID-UPPAID-UPPERIODPERIOD EXPANDED PERIODEXPANDED PERIOD
It is the maximum amount to be covered byCARITAS for health services of the MEMBERsuch as Hospitalization, Emergency Care, and SpecialProcedures and Membership Privileges during the
EXPANDED PERIOD.
1
EXPANDED BENEFIT LIMIT (IEBL)
Should the amount be fully consumed, any and all excesscharges shall be for the account of the MEMBER and theplan shall then be considered terminated.
BENEFIT LIMITBENEFIT LIMIT
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BENEFIT LIMITBENEFIT LIMIT
The Initial Expanded Benefit Limit (IEBL), or any unusedportion of the Expanded Benefit Limit, is guaranteed toincrease by 5% every year.
1
Sample computationSample computation
based on 8%.based on 8%.
…… increasesincreases
every year!every year!
Example: Expanded-10 Plan BExample: Expanded-10 Plan B
P200,000 IEBL
…8% increase if the MEMBER has zero chargeson his MEDICAL EXPENSE BENEFIT during thePaying Period.
Paying
Period
Paid-
upPeriod
Expanded Period (6 or 10)
7 8 9 10 11
11 12 13 14 15
200,000 216,000 233,280 251,942 272,097
PAYINGPAYING PAID-UPPAID-UPEXPANDED PERIODEXPANDED PERIOD
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PERIODPERIOD PERIODPERIOD EXPANDED PERIODEXPANDED PERIOD
IEBL
EXPANDED BENEFIT LIMIT
During the EXPANDED PERIOD OF COVERAGE, theMEMBER shall further be covered for the followingmedical expenses:
Treatment of an illness or injury suffered byrelatives within the 2nd degree
Room rate/classification of his choicePregnancy, childbirth by CS or normal delivery,
miscarriagePre-existing illness or injuryOpen heart surgeryCoronary angiography
Percutaneous transcoronaryAngioplastyPacemaker insertionComplicated hypertensionOrgan transplantHyperalimentation
…… expensesexpenses
charged to thecharged to theMember’sMember’sEXPANDEDEXPANDEDBENEFIT LIMITBENEFIT LIMIT
YEARLY MAXIMUM COVERAGEYEARLY MAXIMUM COVERAGE
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YEARLY MAXIMUM COVERAGE YEARLY MAXIMUM COVERAGEWith corresponding Maximum Daily Room RateWith corresponding Maximum Daily Room Rate
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD EXPANDED PERIODEXPANDED PERIOD
It is the maximum amount of coverage, inclusive of hospitalroom and board, FOR EVERY UNRELATED ILLNESS OR INJURY suffered by the MEMBER within each year with thecorresponding maximum daily room rate.Any amount in excess of the Yearly Maximum Coverage
during the paying period and paid-up period shall be borneby our member.
Should the chosen room made by our member be higherthan the maximum rate, the difference and the incrementalcharges shall be to the account of our member.All excess charges must be settled by our member before
his discharge
MBL: YEARLY MAXIMUM COVERAGEWith corresponding Maximum Daily Room Rate
2
YEARLY MAXIMUM COVERAGEYEARLY MAXIMUM COVERAGE
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Sample Schedule of MBL PER ILLNESS PER YEARSample Schedule of MBL PER ILLNESS PER YEAR
YEARLY MAXIMUM COVERAGE YEARLY MAXIMUM COVERAGEWith corresponding Maximum Daily Room RateWith corresponding Maximum Daily Room Rate
Yearly Maximum Coverage depends on the number of unitssubscribed.
Expanded -10Expanded -10Plan BPlan BP200,000 IEBLP 410,820 TCPP 23,006 Quarterly
PAYING PERIOD PAID-UP PERIOD EXPANDEDPERIOD
Program Year 1 2 3 4 5 6 7 8 9 10 11
Max Per Illness 80,000 90,000 100,000 110,000 120,000 140,000 150,000 160,000 170,000 180,000 200,000 IEBL
Daily Room Rate 1,600 2,000 2,400 2,800 3,200 4,000 4,400 4,800 5,200 5,600 N/A
2
MEDICAL EXPENSE BENEFITSMEDICAL EXPENSE BENEFITS
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MEDICAL EXPENSE BENEFITSMEDICAL EXPENSE BENEFITSPAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD EXPANDED PERIODEXPANDED PERIOD
MEDICAL EXPENSE BENEFIT… charged to MBL
3
HOSPITALIZATION BENEFITSHOSPITALIZATION BENEFITSRoom & board
Services of an accredited physician or specialistLab tests, x-ray & other indicated diagnosticsUse of operating & recovery room, ICU, dialysis &
chemotherapy equipment
Administration of anesthesia and/or oxygenTransfusion of hospital-provided whole blood or plasma Medical suppliesPrescribed drugs/medication while under confinement
MEDICAL EXPENSE BENEFITSMEDICAL EXPENSE BENEFITS3
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EMERGENCY CAREEMERGENCY CAREActual cost in accredited hospital
If in a non-accredited hospital, reimbursement of 80% ofcost based on CARITAS standard rates
Ambulance service from non-accredited to anaccredited hospital if transfer is authorized by anaccredited physician and cleared by his attendingphysicianNotify CARITAS within 24 hours
EMERGENCYEMERGENCY:: The member is in severe pain or imminentdanger of death or disability due to an accidental injury or a
sudden & unexpected onset of illness.
MEDICAL EXPENSE BENEFITSMEDICAL EXPENSE BENEFITSPAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD EXPANDED PERIODEXPANDED PERIOD
MEDICAL EXPENSE BENEFIT
… charged to MBL
MEDICAL EXPENSE BENEFITSMEDICAL EXPENSE BENEFITS
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SPECIAL DIAGNOSTIC & LABORATORY SPECIAL DIAGNOSTIC & LABORATORY
PROCEDURESPROCEDURES
X-ray, Ultrasound, 2D Echo with Doppler
MRI, CT Scan, EMG, Nuclear TestBasic mammography
Treadmill Stress Test
MEDICAL EXPENSE BENEFITSMEDICAL EXPENSE BENEFITSPAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD EXPANDED PERIODEXPANDED PERIOD
MEDICAL EXPENSE BENEFIT
… charged to MBL
3
MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGES
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MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGES
Out-Patient Services12 Consultations per year
10 pre/post natal consultations per pregnancy
Treatment of minor injury or illness
Minor surgery
EENT Treatment
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD EXPANDED PERIODEXPANDED PERIOD
MEMBERSHIP PRIVILEGES …free!
…charged to the MEMBER’s EXPANDED BENEFITLIMIT during the Expanded Period of Coverage.
MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGES
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Annual Physical Examination(after at least 6 months from date of effectivity))
Taking of medical historyMedical examination
Chest X-ray (PA)
Complete blood count
Fasting blood sugarUrine & stool examination
ECG & Pap smear
(For 35 years old & above)…charged to the MEMBER’s EXPANDED BENEFITLIMIT durin the Ex anded Period of Covera e.
MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGESPAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD EXPANDED PERIODEXPANDED PERIOD
MEMBERSHIP PRIVILEGES …free!
MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGES
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Preventive Health CarePeriodic monitoring of health problems
Consultation on diet, exercise, & other healthfulhabits
Counseling on family planning
Immunization, excluding cost of drugs/vaccineEnrollment on Company-sponsored health
seminars
…charged to the MEMBER’s EXPANDED BENEFITLIMIT durin the Ex anded Period of Covera e.
MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGESPAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD EXPANDED PERIODEXPANDED PERIOD
MEMBERSHIP PRIVILEGES …free!
MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGES
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Dental Care4 Consultations per year
Annual oral prophylaxis (after at least 3 monthsof effectivity)
Tooth extraction, excluding surgery for
impaction
Temporary filling or re-cementationTreatment of oral pain, lesions, wound, and
burns…charged to the MEMBER’s EXPANDED BENEFITLIMIT durin the Ex anded Period of Covera e.
MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGESPAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD EXPANDED PERIODEXPANDED PERIOD
MEMBERSHIP PRIVILEGES …free!
MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGES
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Other Services
24-hour telephone (HOTLINE) assistanceDiscounts on non-covered services at selected
hospitals, clinics, laboratories, drugstores, or opticalshops
4 consultations per year for 1 pre-designateddependent as qualified under the SSS Law (RA 8282)
…charged to the MEMBER’s EXPANDED BENEFITLIMIT during the Expanded Period of Coverage.
MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGESPAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD EXPANDED PERIODEXPANDED PERIOD
MEMBERSHIP PRIVILEGES …free!
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SAMPLESAMPLEPROPOSALPROPOSALFORMFORM(Individual)(Individual)
CARITASEXPANDED
PLAN BENEFIT COMPARISON
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HEALTHCAREPROGRAM PLAN BENEFIT COMPARISON
Expanded – 10Expanded – 10Plan BPlan BP200,000 IEBLP200,000 IEBL
Contract Price P 410,820
Quarterly P 23,006
Yearly Maximum
Coverage Per iIlness
1st Year Maximum
Coverage 80,000
P 307,980
P 17,247
Per year
80,000
PLAN BENEFIT COMPARISON
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PLAN BENEFIT COMPARISON
a. Hospitalization
Medical
Expense
Benefits
c. Special
Diagnostic &Laboratory
Procedures
b. Emergency Care
a. Hospitalization
b. Emergency Carec. Special
Diagnostic &Laboratory
Procedures
In CARITAS-designated
diagnostic centers
PLAN BENEFIT COMPARISON
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PLAN BENEFIT COMPARISON
Membership
Privileges
a. Out-Patientb. Annual Physical
Examination
c. Preventive HealthCared. Dental Caree. Other Services
a. Out-Patientb. Annual Physical
Examination
c. Preventive HealthCared. Dental Care
e. Other Services
In CARITAS-designated
diagnostic centers
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A comprehensive Healthcare
Membership Program at a
more affordable cost.
YEARLY MAXIMUM COVERAGE YEARLY MAXIMUM COVERAGEWith corresponding Maximum Daily Room RateWith corresponding Maximum Daily Room Rate
2
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Sample Schedule of MBL PER YEARSample Schedule of MBL PER YEAR
With corresponding Maximum Daily Room RateWith corresponding Maximum Daily Room Rate
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD EXPANDED PERIODEXPANDED PERIOD
MBL: YEARLY MAXIMUM COVERAGEWith corresponding Maximum Daily Room Rate
Expanded - 10Expanded - 10Plan BPlan BP200,000 IEBL
PAYING PERIOD PAID-UP PERIOD EXPANDEDPERIOD
Program Year 1 2 3 4 5 6 7 8 9 10 11
Max Coverage 80,000 90,000 100,000 110,000 120,000 140,000 150,000 160,000 170,000 180,000 200,000 IEBL
Daily Room Rate 1,600 2,000 2,400 2,800 3,200 4,000 4,400 4,800 5,200 5,600 N/A
It is the maximum amount of coverage, inclusive of hospital room and board, FOR ALLMEDICAL EXPENSE BENEFITS FOR ILLNESSES OR INJURIES suffered by the MEMBER within each year with the corresponding maximum daily room rate. Any amount in excess of the Yearly Maximum Coverage and the during the paying
period and paid-up period shall be borne by our member.
Should the chosen room made by our member be higher than the maximum rate, thedifference and the incremental charges shall be to the account of our member. All excess charges must be settled by our member before his discharge
Yearly Maximum Coverage depends on the number of units subscribed.
MEDICAL EXPENSE BENEFITSMEDICAL EXPENSE BENEFITS
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MEDICAL EXPENSE BENEFITSMEDICAL EXPENSE BENEFITSPAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD EXPANDED PERIODEXPANDED PERIOD
MEDICAL EXPENSE BENEFIT
… charged to MBL
3
HOSPITALIZATION BENEFITSHOSPITALIZATION BENEFITSRoom & board
Services of an accredited physician or specialistLab tests, x-ray & other indicated diagnosticsUse of operating & recovery room, ICU, dialysis &
chemotherapy equipment
Administration of anesthesia and/or oxygenTransfusion of hospital-provided whole blood or plasma Medical suppliesPrescribed drugs/medication while under confinement
MEDICAL EXPENSE BENEFITSMEDICAL EXPENSE BENEFITS3
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EMERGENCY CAREEMERGENCY CAREActual cost in accredited hospital
If in a non-accredited hospital, reimbursement of 80% ofcost based on CARITAS standard rates
Ambulance service from non-accredited to anaccredited hospital if transfer is authorized by anaccredited physician and cleared by his attendingphysicianNotify CARITAS within 24 hours
EMERGENCYEMERGENCY:: The member is in severe pain or imminentdanger of death or disability due to an accidental injury or a sudden & unexpected onset of illness.
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD EXPANDED PERIODEXPANDED PERIOD
MEDICAL EXPENSE BENEFIT
… charged to MBL
MEDICAL EXPENSE BENEFITSMEDICAL EXPENSE BENEFITS3
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SPECIAL DIAGNOSTIC & LABORATORY SPECIAL DIAGNOSTIC & LABORATORY
PROCEDURESPROCEDURES
X-ray, Ultrasound, 2D Echo with Doppler
MRI, CT Scan, EMG, Nuclear TestBasic mammography
Treadmill Stress Test
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD EXPANDED PERIODEXPANDED PERIOD
MEDICAL EXPENSE BENEFIT
… charged to MBL
MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGES
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MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGES
Out-Patient Services
12 Consultations per year
10 pre/post natal consultations per pregnancy
Treatment of minor injury or illness
Minor surgeryEENT Treatment
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD EXPANDED PERIODEXPANDED PERIOD
MEMBERSHIP PRIVILEGES …free!
…charged to the MEMBER’s EXPANDED BENEFITLIMIT during the Expanded Period of Coverage.
MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGES
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Annual Physical Examination(after at least 6 months from date of effectivity))
Taking of medical historyMedical examination
Chest X-ray (PA)
Complete blood count
Fasting blood sugarUrine & stool examination
ECG & Pap smear
(For 35 years old & above)…charged to the MEMBER’s EXPANDED BENEFIT
LIMIT during the Expanded Period of Coverage.
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD EXPANDED PERIODEXPANDED PERIOD
MEMBERSHIP PRIVILEGES
…
free!
MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGES
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Preventive Health CarePeriodic monitoring of health problems
Consultation on diet, exercise, & other healthfulhabits
Counseling on family planning
Immunization, excluding cost of drugs/vaccineEnrollment on Company-sponsored health
seminars
…charged to the MEMBER’s EXPANDED BENEFITLIMIT durin the Ex anded Period of Covera e.
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD EXPANDED PERIODEXPANDED PERIOD
MEMBERSHIP PRIVILEGES
…
free!
MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGES
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Dental Care4 Consultations per year
Annual oral prophylaxis (after at least 3 monthsof effectivity)
Tooth extraction, excluding surgery for
impaction
Temporary filling or re-cementation
Treatment of oral pain, lesions, wound, and
burns…charged to the MEMBER’s EXPANDED BENEFITLIMIT durin the Ex anded Period of Covera e.
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD EXPANDED PERIODEXPANDED PERIOD
MEMBERSHIP PRIVILEGES
…
free!
MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGES
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Other Services
24-hour telephone (HOTLINE) assistance
Discounts on non-covered services at selectedhospitals, clinics, laboratories, drugstores, oroptical shops
4 consultations per year for 1 pre-designateddependent as qualified under the SSS Law (RA8282)
…charged to the MEMBER’s EXPANDED BENEFITLIMIT durin the Ex anded Period of Covera e.
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD EXPANDED PERIODEXPANDED PERIOD
MEMBERSHIP PRIVILEGES …
free!
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SAMPLESAMPLEPROPOSALPROPOSALFORMFORM(Individual)(Individual)
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InsuranceInsurance
The 4 Way Insurance
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The 4-Way Insurance
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD EXPANDED PERIODEXPANDED PERIOD
TERM LIFE INSURANCETERM LIFE INSURANCE
ACCIDENTAL DEATH BENEFITACCIDENTAL DEATH BENEFIT
CREDIT LIFEINSURANCE
CREDIT LIFEINSURANCE
WAIVER OFINSTALLMENTS DUE
TO DISABILITY
WAIVER OFINSTALLMENTS DUETO DISABILITY
4 For PREFERRED Membership only.
18 – 60 years old at the time of application In good health
All claims shall be subject to one (1) yearcontestability period from date of effectivity orreinstatement.
TERM LIFE INSURANCETERM LIFE INSURANCE
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TERM LIFE INSURANCETERM LIFE INSURANCE
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD EXPANDEDEXPANDEDPERIODPERIOD
TERM LIFE INSURANCE
In case of MEMBER`s death before his/her 70 th birthday, the Beneficiary shallreceive an AMOUNT EQUAL TO THE INITIAL EXPANDED BENEFIT LIMIT (IEBL).
A. Plan B, 20 Units, P200,000 IEBL
B. Expanded-10C. GOLD
D. Quarterly Mode - PREFERRED
Sample ProgramSample Program
ACCIDENTAL DEATH BENEFITACCIDENTAL DEATH BENEFIT
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ACCIDENTAL DEATH BENEFIT ACCIDENTAL DEATH BENEFIT
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIODEXPANDEDEXPANDED
PERIODPERIOD
In case MEMBER dies of injury caused by an accident, the Beneficiary receivesan ADDITIONAL AMOUNT EQUAL TO THE IEBL, where death occurs:
Within 180 days from such accident
Prior to MEMBER’s 65
th
birthday
Accidental Death Benefit
A. Plan B, 20 Units, P200,000 IEBL
B. Expanded-10C. GOLD
D. Quarterly Mode - PREFERRED
Sample ProgramSample Program
P200,000 – TLI
+ P200,000 – ADB
P400,000
Doublethe IEBL
Doublethe IEBL
CREDIT LIFE INSURANCECREDIT LIFE INSURANCE
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CREDIT LIFE INSURANCECREDIT LIFE INSURANCE
PAYING PERIODPAYING PERIOD
PAID-UP PERIODPAID-UP PERIOD
EXPANDEDEXPANDED
PERIODPERIOD
CREDIT LIFE INSURANCE
In case the MEMBER dies during the Paying Period and before his/her 70 th birthday, the plan will be rendered FULLY PAID.
PAYING PERIODPAYING PERIOD1 2 3 4 5
The member dies onthe second year FULLY PAID !
SampleSample
WAIVER OF INSTALLMENTSWAIVER OF INSTALLMENTSDUE TO DISABILITYDUE TO DISABILITY
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DUE TO DISABILITY DUE TO DISABILITY
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD
EXPANDEDEXPANDED
PERIODPERIOD
In case the MEMBER becomes totally disabled during the Paying Period andprior to his 60th birthday, ALL INSTALLMENTS BECOMING DUE WILL BEWAIVED, where such disability continues for at least 6 months.
DISABILITY BENEFIT
Pending approval of the claim, installments must be paid asthey become due, subject to refund upon approval.
PAYING PERIODPAYING PERIOD1 2 3 4 5
The member is totallydisabled on the second year WAIVED !
SampleSample
MEMBER’S EXTENDED SHIELD
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MEMBER S EXTENDED SHIELD
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD EXPANDED PERIODEXPANDED PERIOD
In case MEMBER dies during thePaying Period or Paid-up Period:
THE PRINCIPAL BENEFICIARYTHE PRINCIPAL BENEFICIARYSHALL BE SUBSTITUTED ASSHALL BE SUBSTITUTED ASNEW MEMBERNEW MEMBER. The healthcarebenefits shall be transferredaccordingly.
Medical Expense Benefits,
subject to the MBLMembership Privileges
Subject to the plan provisionson Pre-existing Condition
No Insurance Benefit
In case MEMBER dies duringthe Expanded Period of
Coverage:The healthcare plan is
deemed terminated
The MEMBER’s Beneficiaryshall be entitled to 70% of
the available ExpandedBenefit Limit.
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A Comprehensive Healthcare A Comprehensive HealthcareMembership Program perfectMembership Program perfect
with your CLIC Heart Shield 5 with your CLIC Heart Shield 5
CARITASEXPANDEDHEALTHCARE PLAN BENEFIT COMPARISON
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HEALTHCAREPROGRAM
PLAN BENEFIT COMPARISON
Expanded – 10Expanded – 10Plan BPlan BP200,000 IEBLP200,000 IEBL
Contract Price P 410,820
Quarterly P 23,006
Yearly MaximumCoverage Per iIlnessPer year
1st Year Maximum
Coverage
80,000160,000
P 154,340
P 8,644
PLAN BENEFIT COMPARISON
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PLAN BENEFIT COMPARISON
In CARITAS-designateddiagnostic centers
a. Hospitalization
Medical
Expense
Benefits
c. Special
Diagnostic &Laboratory
Procedures
b. Emergency Care
a. Hospitalization
b. Emergency Carec. Special
Diagnostic &Laboratory
Procedures
PLAN BENEFIT COMPARISON
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PLAN BENEFIT COMPARISON
Membership
Privileges
a. Out-Patientb. Annual Physical
Examination
c. Preventive HealthCare
d. Dental Caree. Other Services
a. Out-Patientb. Annual Physical
Examination
c. Preventive HealthCared. Dental Care
e. Other Services
In CARITAS-designateddiagnostic centers
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PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD EXPANDED PERIODEXPANDED PERIOD
MBL: YEARLY MAXIMUM COVERAGEWith corresponding Maximum Daily Room Rate
…that increases every year!
MBL: YEARLY MAXIMUM COVERAGEWith corresponding Maximum Daily Room Rate
…that increases every year!
MEDICAL EXPENSE BENEFITSMEDICAL EXPENSE BENEFITS
MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGES
MBL:
EXPANDED BENEFIT LIMIT
…that increases every year!…that may be shared with your
loved ones!
MBL:
EXPANDED BENEFIT LIMIT
…that increases every year!
…that may be shared with your
loved ones!
FOUR (4) – WAY INSURANCEFor Members aged 18-60 upon entry
FOUR (4) – WAY INSURANCEFor Members aged 18-60 upon entry
MEDICAL EXPENSE BENEFITSMEDICAL EXPENSE BENEFITS1
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PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD
MEDICAL EXPENSE BENEFIT
… charged to MBL
HOSPITALIZATION BENEFITSHOSPITALIZATION BENEFITSRoom & board
Services of an accredited physician or specialistLab tests, x-ray & other indicated diagnosticsUse of operating & recovery room, ICU, dialysis &
chemotherapy equipment
Administration of anesthesia and/or oxygenTransfusion of hospital-provided whole blood or plasma Medical suppliesPrescribed drugs/medication while under confinement
MEDICAL EXPENSE BENEFITSMEDICAL EXPENSE BENEFITS1
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EMERGENCY CAREEMERGENCY CAREActual cost in accredited hospital
If in a non-accredited hospital, reimbursement of 80% ofcost based on CARITAS standard rates
Ambulance service from non-accredited to anaccredited hospital if transfer is authorized by anaccredited physician and cleared by his attending
physicianNotify CARITAS within 24 hours
EMERGENCYEMERGENCY:: The member is in severe pain or imminentdanger of death or disability due to an accidental injury or a
sudden & unexpected onset of illness.
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD
MEDICAL EXPENSE BENEFIT… charged to MBL
MEDICAL EXPENSE BENEFITSMEDICAL EXPENSE BENEFITS1
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SPECIAL DIAGNOSTIC & LABORATORY SPECIAL DIAGNOSTIC & LABORATORY PROCEDURESPROCEDURES
X-ray, Ultrasound, 2D Echo with Doppler
MRI, CT Scan, EMG, Nuclear TestBasic mammography
Treadmill Stress Test
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD
MEDICAL EXPENSE BENEFIT… charged to MBL
MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGES
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Out-Patient Services12 Consultations per year
10 pre/post natal consultations per pregnancyTreatment of minor injury or illness
Minor surgery
EENT Treatment
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD
MEMBERSHIP PRIVILEGES …free!
MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGES
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Annual Physical Examination(after at least 6 months from date of effectivity))
Taking of medical history
Medical examination
Chest X-ray (PA)
Complete blood count
Fasting blood sugar
Urine & stool examination
ECG & Pap smear
(For 35 years old & above)
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD
MEMBERSHIP PRIVILEGES …free!
MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGES
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Preventive Health CarePeriodic monitoring of health problems
Consultation on diet, exercise, & other healthfulhabits
Counseling on family planning
Immunization, excluding cost of drugs/vaccineEnrollment on Company-sponsored health
seminars
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD
MEMBERSHIP PRIVILEGES …free!
MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGES
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Dental Care4 Consultations per year
Annual oral prophylaxis (after at least 3 months
of effectivity)
Tooth extraction, excluding surgery for
impaction
Temporary filling or re-cementationTreatment of oral pain, lesions, wound, and
burns
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD
MEMBERSHIP PRIVILEGES …free!
MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGES
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Other Services
24-hour telephone (HOTLINE) assistance
Discounts on non-covered services at selectedhospitals, clinics, laboratories, drugstores, oroptical shops
4 consultations per year for 1 pre-designateddependent as qualified under the SSS Law (RA8282)
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD
MEMBERSHIP PRIVILEGES …free!
AVAILMENT OF BENEFITS
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AVAILMENT OF BENEFITS
MEMBER choosesMEMBER chooses the health serviceprovider from among those CARITAS-accredited:HospitalsMedical / Dental ClinicsLaboratories / Diagnostic CentersPhysiciansSpecialistsDentists
CARITAS designatesCARITAS designates the health serviceprovider from among those accredited: Clinics Diagnostic Centers
Unless an emergency exists, the memberUnless an emergency exists, the member mustmustgive timely notice togive timely notice to, and secure a Letter of, and secure a Letter ofAuthorization from, CARITAS before anyAuthorization from, CARITAS before anyconfinement, treatment or consultation.confinement, treatment or consultation.
AVAILMENT OF BENEFITS
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1. The MEMBER need not worry about paying the health service
provider.2. Should advance payments be made by the MEMBER, with
approval from Caritas, the same shall be reimbursed uponpresentation of documents within 30 days from date ofpayment.
3. Non-Liability for unauthorized Health Servicesa. After discharge has been authorizedb. Refusal to follow the recommended procedurec. If no professionally-accepted treatment still exists.
4. PhilHealth benefits provided for shall be deductible in the
computation of the cost of health services. It shall be theobligation of the MEMBER to pay for the PhilHealth benefitsshould he be unable to comply with Philhealth benefit claimrequirements.
5. Our company shall be subrogated to the member’s rights or
claims against 3rd parties
PRE-EXISTING ILLNESS OR INJURY
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S G SS O U
An illness or injury is pre-existing if before the effectivity date
of the agreement: It has been diagnosed as such.
It has manifested certain signs and symptoms.
Its pathogenesis is clinically determined to have alreadystarted.
IFIFDISCLOSEDDISCLOSED
Membership may still be accepted, but CARITAS maychoose to: Provide coverage for said illness after the 1st year,
or Provide coverage for said illness after the 2nd year if
it would need a major surgery, or Impose a waiver of coverage for said illness/injury
until the start of the Expanded Period.
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IF NOTIF NOTDISCLOSEDDISCLOSED
CARITAS may declare the contract nulland void, forfeit all payments made bythe MEMBER, and/or seek a refund of all
expense it may have incurred.
EXCLUSIONS FROM HEALTHCARE COVERAGE
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1. Self-inflicted or induced injury or illness, or if arising out ofattempted suicide, commission of crime, violation of law, or dueto unnecessary hazardous activities
2. Drug or alcohol related abuse or dependency
3. Cosmetic treatment and/or surgery and other forms of surgeryfor beautification, and procurement of eyeglasses, braces,hearing aids, prosthetic appliances and the like
4. Home and/or rehabilitation services, convalescent orrecuperative care, and take-home medicine or medical supplies
5. Pregnancy-related medical care, child birth, miscarriage,abortion, sex transformation, artificial insemination, treatmentof infertility or sex sterilization (Child birth and miscarriagecovered during the Expanded Period of Coverage.)
6 AIDS AIDS l d d ll i d di
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6. AIDS, AIDS-related and sexually-transmitted diseases
7. P.E. for insurance, employment, and the like, and other medicalservices not incident to the treatment of an illness or injury,including medico-legal fees.
8. Psychotherapy, counseling, and treatment of mental orpsychiatric disorders or psychosomatic illnesses.
9. Open heart surgery, coronary angiography, percutaneoustranscoronary angioplasty, pacemaker insertion, complicatedhypertension, organ transplant or hyperalimentation, until theExpanded Period of Coverage.
10. For EXPANDED GOLD & PREMIER PROGRAMS:
New modalities of diagnostic procedures and treatment,unless deemed appropriate by, and upon prior approval of,CARITAS.
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Additional AdditionalFeaturesFeatures
PROGRAM FLEXIBILITY
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PAYINGPAYING
PERIODPERIOD
PAID-UPPAID-UP
PERIODPERIOD
EXPANDEDEXPANDED
PERIODPERIOD
ASSIGNMENT OF HEALTHCARE ASSIGNMENT OF HEALTHCAREBENEFITS FEATUREBENEFITS FEATURE
CHOICE OF ROOM FEATURECHOICE OF ROOM FEATURE
PLAN TERMINATION FEATUREPLAN TERMINATION FEATURE
PLAN TRANSFERABILITY FEATUREPLAN TRANSFERABILITY FEATURE
Applies also to COMBI Grande Applies also to COMBI Grande
TERMINATION VALUES
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TERMINATION VALUES
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD(or prior to Expanded Period)(or prior to Expanded Period)
EXPANDEDEXPANDEDPERIODPERIOD
PAYMENTS ONPAYMENTS ONCONTRACT PRICECONTRACT PRICE
(PoCP)(PoCP)
TERMINATONTERMINATONVALUEVALUE
Less than 20% None
20% but less than 40% 10% of PoCP
40% but less than 60% 20% of PoCP
60% but less than 80% 30% of PoCP
80% but less than100%
40% of PoCP
50% ofContract Price
70% ofavailable
ExpandedBenefit
Limit
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PAYMENTS
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1. Should the last day of the Grace Period fall on a non-working day,payment must be made on or before the working day preceding it.
2. If the Due Date is the 30th of the month, and the next month’s last
day is 31, the last day of the Grace Period is the 30th
.
3. If the Due Date is the 30th of the month, and the next month’s lastday is 28, the last day of the Grace Period is the 28th.
4. If Due Date is the 31st of the month and the next month’s last dayis 28 or 30, the last day of the Grace Period is the last day of thatsucceeding month.
LAPSATION
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The Grace Period is a grace FOR THE PAYMENT, NOT FOR AVAILMENT.
Availment prior to payment of installment due will not be covered.
Grace Period
Payments made during the Grace Period is not subject to surcharge. Thereinstatement provision will not be imposed on the MEMBER.
The Grace Period is a grace so that the 1-year Contestability Period &Pre-existing clause will NOT REVERT to count zero.
REINSTATEMENT
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If installment amount
due remains unpaid beyond the GracePeriod of 1 month
Terminated AgreementTerminated Agreement Agreement is without force or effect. MEMBER loses all rights and privileges except the
right to reinstate
Reinstatement reactivates a Terminated Membership (due to non-
payment)
Requirements:A. Submission of an Application for Reinstatement, surrender of the
lapsed agreement and payment of the reinstatement fee.
B. Choose from the two (2) options:Payment of all unpaid installments plus the surcharge of 1.5% per
month from the due date of each unpaid installment.(updating)
Payment of one (1) installment (re-dating)
CANCELLATION
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If installment amountdue remains unpaid after 2 years
Cancelled MembershipCancelled Membership All payments made are forfeited
CANCELLATION
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Availment AvailmentProceduresProcedures
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1. Have the Membership
Number ready.
2. Secure a prescription
from an accredited
doctor, specialist or
dentist.
3. Determine what medical
service will be availed of.
SECURE THE L.O.A
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Metro Manila Inquiry & Availment
OFFICE HOURS / AFTER OFFICEWEEKENDS / HOLIDAYS
CALL THE 24-HOUR HOTLINE NUMBERS :
(02) 711-2411 0917-8733882 0922-8978635
Provincial Inquiry & Availment
OFFICE HOURS
CALL YOUR LOCAL BRANCH OPERATIONS ASSISTANT
CALL YOUR LOCAL BRANCH MANAGERCALL THE 24-HOUR HOTLINE NUMBERS :
0917-8733882 0922-8978635 (02) 711-2411
AFTER OFFICE / WEEKENDS / HOLIDAYS
CALL THE 24-HOUR HOTLINE NUMBERS :
0917-8733882 0922-8978635 (02) 711-2411
CALL or TEXT
• VISIT the nearest
C O
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Caritas Office or
Clinica Caritas Branch
•Email or Fax
CARITAS MEMBER RELATIONSOFFICE HOURS / AFTER OFFICE
WEEKENDS / HOLIDAYS
Fax: (02) 711-2411Email: [email protected] [email protected] [email protected]
In case of an emergency,In case of an emergency,
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g y,g ythe MEMBER or Member'sthe MEMBER or Member's
representative shouldrepresentative shouldnotify Caritas within 24notify Caritas within 24hours from the start of thehours from the start of the
emergency.emergency.It is best to orient theIt is best to orient the
members of themembers of the
MEMBER’S household onMEMBER’S household on what must be done in the what must be done in theevent of an emergency.event of an emergency.
5-POINT REMINDER5-POINT REMINDERBefore AvailmentBefore Availment
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1.The NOTICE FOR AVAILMENT is timely and
the LETTER OF AUTHORIZATION has beenduly secured from CARITAS before anyavailment, unless in case of an emergency.
5.Healthcare service must be sought from an
ACCREDITED PROVIDER
2. Membership must be in ACTIVE STATUS.
3.No Failure to disclose a known pre-existingillness or injury in the MAF.
4.Except for the free consultation on Gold,Premier, Core or Core Duo Membership, theILLNESS OR INJURY SHOULD NOT BE PRE-EXISTING while on the 1st year of theprogram or within a year fromreinstatement/transfer.
6 Common Non-Covered6 Common Non-CoveredSituationsSituations
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1.NO Letter of Authorization (LOA)
6.MAJOR SURGERY for Pre-existingillness covered only on the 3rd year.
2.NON NOTIFICATION to Caritas within 24 hours of the confinementin case of emergency. (Art III, par
2b of MAF)3.LAPSED AND TERMINATED
POLICIES
4.EXCLUSIONS5.PRE-EXISTING ILLNESS OR INJURY
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COMPENSATIONCOMPENSATIONPACKAGEPACKAGE
BP…BP… BBreathtaking PPackage
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BASIC COMMISSION (BC) SCHEDULE on the first newbusiness sold
Mode ofMode ofPaymentPayment
BasicBasicCommissionCommission
With Automatic Retention of the
Net Commission
Upon reaching a Total Contract Price (TCP)
of P100,000, BASIC COMMISSION on the First
Year Payments becomes fixed at 50%
ANNUAL 50 %
SEMI-ANNUAL 47.5 %QUARTERLY 45 %
Step 1Step 1S l C iS
l C t ti
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Step 1Step 1Sample ComputationSa mple Computation
A. Plan B, 20 Units, P200,000IEBLB. Expanded-10C. GOLD - PREFERREDD. Semi-annual ModeE. TCP : P410,820F. Installment : P 44,369
GROSS BASIC COMMISSION
= Annual installment amount X 50 %No. of installments in a year
= 82,164 X 50 %2
= P20,541
Step 2Step 2
NET BASIC COMMISSIONGross Basic Commission P 20,541
Less: 10% Withholding Tax P 2,054.10Less: 5 % Bond Reserve P 1,027.05
NET BASIC COMMISSION P 17,459.85
BP…BP… BBreathtaking PPackage
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Renewal & Collecting Commissions
2nd -Year Payments 10%
3rd-5th Year Payments 2%
Step 1Step 1S l C t tiS
l C t ti
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Step 1Step 1Sample ComputationSa mple Computation
A. Plan B, 20 Units, P200,000IEBLB. Expanded-10C. GOLD - PREFERREDD. Semi-annual ModeE. TCP : P410,820F. Installment : P 44,369
GROSS RENEWAL COMMISSION
= Annual installment amount X 10 %No. of installments in a year
= 82,164 X 10 %2
= P4,108.20
Step 2Step 2
NET RENEWAL COMMISSIONGross Renewal Commission P 4,108.20
Less: 10% Withholding Tax P 410.82Less: 5 % Bond Reserve P 205.41
NET RENEWALCOMMISSION
P 3,491.97
Step 1Step 1S l C t tiS
l C t ti
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Step 1Step 1Sample ComputationSa mple Computation
A. Plan B, 20 Units, P200,000IEBLB. Expanded-10C. GOLD - PREFERREDD. Semi-annual ModeE. TCP : P410,820F. Installment : P 44,369
GROSS COLLECTING COMMISSION
= Annual installment amount X 2%No. of installments in a year
= 82,164 X 2 %2
= P821.64
Step 2Step 2
NET COLLECTING COMMISSIONGross Collecting Commission P 821.64
Less: 10% Withholding Tax P 82.164Less: 5 % Bond Reserve P 41.082
NET COLLECTINGCOMMISSION
P 698.394
Your TOTAL Earnings
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g
for One Plan only…
Basic Commission
(1st Year)
34,919.70
Renewal Commission
(2nd Year)6,983.94
Collecting Commission(3rd-5th Year)
4,190.364
TOTAL 46,094.00
Monthly Grand Slam BonanzaMonthly Grand Slam Bonanza
1st to 10th 11th to 20th 21st to month-end
121st to month-end
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ICE-BREAKERICE-BREAKER
1st plan P3002nd plan P2003rd plan P200and every succeeding
plan P200
…up to a maximum ofP3,500.00P3,500.00
Grand Slam PrizeGrand Slam Prize
Qualify to the Ice Breaker, Hi-Roller, and Finisher in any given month with a TCP of P600,000 to further receive an additional Grand Slam Prize of
P1,500.00P1,500.00Grand Slam BonusGrand Slam Bonus
Qualify to the Grand Slam Prize for 3 consecutive monthsand receive the Grand Slam Bonus of P3,000.00P3,000.00
2
3
Total ICBI of P5,000Get an additional P500.00P500.00!
Plus:P250 for every newadditional business
…up to a maximum of
P4,500.00P4,500.00
TCP of P175,000Get an additional
P700.00P700.00
HI-ROLLERHI-ROLLER FINISHERFINISHER
…. that’s an additionalP8,700.00P8,700.00
waiting for you!!!
BP…BP… BBig PPlus
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BP…BP… BBig PPlus
RECRUIT A FELLOW HEALTH COUNSELOR!!!RECRUIT A FELLOW HEALTH COUNSELOR!!!… and based on the the ICBI production(exclusive of policy fees), you get 8% ORC!!! onyour recruit’s new business/es submitted while he
remains a bonafide CHSI Health Counselor.
Year-RoundHEAD HUNTER’S DRIVEHEAD HUNTER’S DRIVE
Step 1Step 1Sample ComputationSa
mple Computation
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Step 1Step 1Sample ComputationSa mple Computation
A. Plan B, 20 Units, P200,000IEBLB. Expanded-10C. GOLD - PREFERREDD. Semi-annual ModeE. TCP : P410,820F. Installment : P 44,369
GROSS HEADHUNTER’S REWARD
= Annual installment amount X 8%No. of installments in a year
= 82,164 X 8 %2
= P3,286.56
Step 2Step 2
NET HEADHUNTER’S REWARDGross Headhunter Reward P 3,286.56
Less: 10% Withholding Tax P 328.656Less: 5 % Bond Reserve P 164.328
NET HEADHUNTER’SREWARDS
P 2,793.576
BP…BP… BBursting with PPrizes
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Enjoy and earn from the many promos andgimmicks that complement our other incentiveschemes…
All Year-RoundSEASONAL DRIVESSEASONAL DRIVES
BP…BP… BBreathtaking PPackage
ANNUAL CONVENTIONANNUAL CONVENTION
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ANNUAL CONVENTION ANNUAL CONVENTION
QualificationQualificationFirst 6 MonthsFirst 6 Months
TCPTCP ICBIICBI
SQD 4,950,000 495,000
DQD 8,910,000 891,000
SQDB 9,900,000 990,000
QualificationQualification12 Months12 Months
TCPTCP ICBIICBI
SQD 6,600,000 660,000
DQD 11,880,000 1,188,000
SQDB 13,200,000 1,320,000
Drive Period: April 1, 2012 to
April 1, 2013
Invites you to the
18th Sales Convention
in
i
Davao City
andBali,
Indonesia
Upon licensing, you are automatically covered for a period of one
BP…BP… BBuilt-in PPrivileges FREE COVERAGEFREE COVERAGE
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Upon licensing, you are automatically covered for a period of oneyear from date of licensing with:
FREE Out –patient ServicesFree 12 consultations per year.Free 10 pre/post natal consultations per year.Free treatment of minor injury or illness.Free treatment of eye, ear, nose and throat.
FREE Preventive Health CareFree periodic monitoring of health problems.Free consultation on diet, exercise and other healthful habits.Free counseling on family planning.
Free immunization, excluding cost of drugs or vaccine.Free enrollment in company-sponsored health seminars.FREE Other ServicesDiscounts on non-covered health services at selected hospitals,
clinics, laboratories, drugstores or optical shops.
BP…BP… BBuilt-in PPrivileges
Upon hitting a Total Contract Price (TCP) of P300 000 in CHSI
FREE COVERAGEFREE COVERAGE
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Upon hitting a Total Contract Price (TCP) of P300,000 in CHSIprograms within 3 months from licensing, you will further enjoy the
following benefits:FREE Annual Physical ExaminationTaking of medical historyMedical examinationChest x-ray
Complete blood countFasting blood sugarUrine and stool examElectrocardiogramPap smear
FREE Dental CareAnnual oral prophylaxisTooth extractionTemporary Filling or re-cementationTreatment of oral pain lesions, wounds & burns
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Ano ang
HALAGA
sa atin ng
BUHAY?
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HABANG TAYO AY MAY HININGA
LAHAT AY GAGAWIN
MAKAPAGHANDOG LAMANG
NG BUHAY
NA MAUNLAD… MATIWASAY…
MALIGAYA…
SA ATING MGA MINAMAHAL
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SA PAGPAPATULOY NG ATING BUHAY …
MARAMI ANG NAKAATANG NA
PANG ARAW-ARAW NA PANGANGAILANGAN:
TAHANAN, DAMIT, PAGKAIN, PAG-AARAL…
HIGIT SA LAHAT
GABAY AT PAGMAMAHAL
SA BINUONG PAMILYA
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HABANG TAYO’Y NABUBUHAY
PAMILYA’Y MAITATAGUYOD
SUBALIT SA ATING PAGLISAN
SINO PA ANG KANILANG
AASAHAN?
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NGUNI’T MANGARAP MAN TAYONG
HUMABA AT TUMAGAL ANG BUHAY
ITO’Y NAKASALALAY PA RINSA ITINAKDA NG MAYKAPAL
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MAYROON KA KAYANG MAGAGAWAKAPAG NAGANAP NA ANG
HINDI MO MAIIWASANG PAGPANAW?
KANINO SILA LALAPITSA PAGKAWALA MO AT
SA PANAHON NG KANILANG KAGIPITAN?
PAANO MAGPAPATULOY
ANG BUHAY NG IYONG MGA MINAMAHAL ?
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Inyong Maasahan…
ARITAS IFE
NSURANCE ORPORATIONI
CARITAS LIFE nagaalay. …
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HEAR
TSH
IEL
D
amondukasyon
unong/dumami
ipon
dukadong
Pon / mpok
aba ng panahon
apat na hulog / SUSI
anging gastusin / TATAG
etiro
mbisyon
CARITAS LIFE nagaalay …
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H
ABA
NG
BUHA
Y
araya
mbisyon
aman
yon sa hangad na
ango sa hanapbuhay
gnay upang umunlad
ukod ng bahagi
astosatatanging
dhikain
uhay
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HEART SHIELD 5PROTECTING YOU
FOR LIFE
ARITAS IFE
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HEART SHIELD 5IPAGSASANGGALANG
KAYO HABANG BUHAY
ARITAS IFE
WHO CAN BE INSURED?
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WHEN DOES THE
COVERAGE TAKEEFFECT?
HOW MUCH LIFEINSURANCE DOES ONE
NEED TO PURCHASE?
HOW CAN I COUNSEL MY
PROSPECT IN DECIDING WHICH
PLAN IS BEST FOR HIM?WILL THE PREMIUM BE
FIXED FOR ALL AGES?
Can C.L.I.C.di t d t
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Open to those 31 days - 65 years old
With 7 Plan Packages to choose from!
And a Payment Period of ONLY 5 years!
Plan Type:
Non-participating
direct and guarantee
a life that is HEARTY ?
Unless the POLICYOWNER is somebody else other than the
POLICYOWNER / INSURED
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Unless the POLICYOWNER is somebody else other than the
PAYOR or OWNER
A minor cannot
purchase a CLICwithout an
accompanying adult
who qualifies as a
guardian/ owner.
A person who is 18 years
old and above can
purchase for himself and
on someone else’s CLIC.
Foreigners or aliens can
be accepted as
POLICYOWNERs of CLIC by submitting
their Alien’s Certificate
of Registration or ACR I
card
HEARTY LIFECARITAS LIFE
2 CLICs to guide
a prospect to a
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A. We guide the POLICYOWNER on the amount he
will provide for his beneficiaries in the event of
his death.
B. We guide the POLICYOWNER on the mode of
payment guided by his entry age upon
application
A. We guide the POLICYOWNER on the amount he will provide
for his beneficiaries in the event of his death.
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HEART SHIELD 5
The POLICYOWNER has 7 plan packages to choose
from!
Plan
A+
A
B
C
D
E
F
SUM ASSURED
2,500,000
1,500,000
1,000,000
750,000
500,000
350,000
250,000
B. We guide the POLICYOWNER on the mode of payment guidedby his entry age upon application:
Semi-Annual Quarterly
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twice
a year
y
every
3 months
Plan A+ A B C D E F
Units 50 30 20 15 10 7 5
SumInsured
2,500,000 1,500,000 1,000,000 750,000 500,000 350,000 250,000
Issue age
18 36,396.00 21,945.60 14,720.40 16,530.75 11,110.50 7,858.35 5,690.25
20 37,152.00 22,399.20 15,022.80 16,729.20 11,242.80 7,950.96 5,756.4030 46,804.50 28,190.70 18,883.80 18,717.75 12,568.50 8,878.95 6,419.25
40 66,136.50 39,789.90 26,616.60 23,650.65 15,857.10 11,180.97 8,063.55
50 96,309.00 57,893.40 38,685.60 32,232.60 21,578.40 15,185.88 10,924.20
60 142,843.50 85,814.10 57,299.40 45,549.00 30,456.00 21,400.20 15,363.00
HEART SHIELD 5 + SAR*
Semi-Annual Premium Rates per Plan
MAJOR BENEFITS
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Continuous incom
e
C l e a n
u p F u n
d s
P A I D
D E B
T S
F u n d i n
g f o r
e d u c
a t i o n
F U L F I L
L E D D R E A M
S
Property protection
Lif e income f or the
Widow
HEART SHIELD
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• Issue Ages
• Protection Period
• Premium PayingPeriod
• Minimum Face
Amount
• Banded Premium
Rates
31 days – 65 years
Up to age 99
5 yrs.
PHP 250,000
PHP 200k to less than1M
PHP 1M and over
HEART SHIELD – HABANG BUHAYSample Policy
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ProtectionPeriod
NAME AGE SEX BIRTHDATE
ERNESTO DELA CRUZ 40 MALE MAY 30, 1972
BASIC PLAN
RIDER (S)
SUM INSURED PREMIUM
HEART SHIELD 5
SAR
1,000,000
1,000,000
45,400
3,890
EOY 1 2 3 4 5 6 7 8 9 10 20 30 40 50 99
AGE 41 42 43 44 45 46 47 48 49 50 60 70 80 90 99
Paying Period
Guaranteed Cash Value
GUARANTEED CASH VALUE
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End of Year Attained
AgeAnnual
Premium
Guaranteed Cash Value
MaturityBenefit
GuaranteedLiving
Benefit
GuaranteedDeath
BenefitBasic Plan Rider
1 41
2 42
3 43
4 44
5 45
6 46
7 47
8 48
9 49
10 50
15 55
20 60
30 70
40 80
50 90
59 99
49,290
49,290
49,290
49,290
49,290
0
22,000
95,000
150,000
218,000
259,000
228,000
238,000
248,000
270,000
330,000
398,000
550,000
699,000
815,000
0
1,000
2,000
4,000
5,000
4,000
5,000
5,000
5,000
4,000
4,000
2,000
23,000
97,000
154,000
223,000
263,000
233,000
243,000
253,000
274,000
334,000
400,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
550,000
699,000
815,000
1,000,000
000
If th POLICYOWNER ld t ti i d id t
FORFEITURE OPTIONFrom the 2nd Policy Anniversary Year and onwards N
O N
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If the POLICYOWNER could not continue paying or decides to
surrender his policy...
EXTENDED TERM INSURANCE
His Cash Value may purchase an extended term
coverage that will fund the premium for a shorter period
and his amount of insurance will remain the same.
PAID UP INSURANCE
His Cash Value will convert his policy to a reduced
amount of Insurance for the remaining duration of the
policy (up to Age 99).
NET SURRENDER VALUES
He may surrender the policy and will receive the
corresponding accumulated Cash Value.
FORFEITURE OPTIONFrom the 2nd Policy Anniversary Year and onwards N
O N
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POLICY LOANS
At any time after a Cash Value is available, the
Policyowner with the consent of the irrevocableBeneficiary/ies, if any, may secure a loan, in an
amount not exceeding the Cash Value. When the total
indebtedness including unpaid interest exceed the CV,
the policy automatically terminates.
PREMIUM LOAN
His Cash Value will pay for any premium due remaining
unpaid at the end of its Grace Period as a Policy Loan.
Thus he need not worry about his financial obligationsto CLIC.
If the POLICYOWNER could not continue paying or decides to
surrender his policy...
Are persons designated to receive the proceeds of the Policy
BENEFICIARIES
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– Policyowner designates Beneficiary as
co-owner of the policy
– Policyowner needs consent of allirrevocable beneficiaries to exercisereserved rights of the policy.
Are persons designated to receive the proceeds of the Policy
upon the death of the Insured, and classified: According to Rights
• Revocable – Policyowner retains reserved rights of thepolicy
– Policyowner may delete or designate newBeneficiaries
• Irrevocable
A di t i it
BENEFICIARIES
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According to priority
• Primary – receives the proceeds surviving the death of the Insured
• Secondary or Contingent – receives the proceeds if there are no surviving Primary beneficiaries
*Unless otherwise specified, surviving beneficiaries in thesame qualification share equally in the death benefitproceeds
CONTESTABILITY
CLAUSE I N
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NO CLAIMS WILL BE CONTESTED BY CLIC FOR PURPOSES
OF PAYMENTS TO THE DESIGNATED BENEFICIARY
BEYOND TWO ( 2 ) YEARS FROM THE POLICY
EFFECTIVITY DATE OR FROM THE DATE OF LAST
REINSTATEMENT SHOULD THE POLICY LAPSE, EXCEPT
FOR NON PAYMENT OF PREMIUMS.
Material Concealment
- the insured withheld information.
GROUNDS FOR CONTESTING
Material Misrepresentation
- the insured provided the wrong information.
STATEMENT OF AGE M I S
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Misstatement of age does not void the contractunless the Insured is not eligible for coverage atthe correct age.
If age of Insured is misstated, the amount of
insurance will be adjusted to the amount whichthe premium would have purchased at the correctage.
The age at issue of the Insured is his age untilone day after his next birthday.
ACCIDENT RIDER
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• Issue Ages 18 to 60 yearsold• Protection Period
• Premium PayingPeriods
• Variants
Up to Age 65
5 years
Special Accident
Rider
ACCIDENTAL DEATH BENEFIT
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ADB coverage is from the approved policy date until one day before
the policyowner’s 65th birthday.
40 41 42 43 44 45 46 47 48 49 50 60
6570 80 …
(May 30, 2012)
Policyowner’s Birthday @
Policy Date
(May 29, 2037)
One day before
Policyowner’s
65th birthday
Accidental Death shall be considered if the death occurs within
180 after the accident.
ADB shall be equal to the Sum Insured amount of the purchasedpolicy.
Loss of entire sight of both 100% Loss of hearing of both ears 50%
DISMEMBERMENT BENEFITS% of Sum Insured (SI)
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Loss of entire sight of botheyes
100%
Loss of both hands or bothfeet
100%
Loss of one hand and onefoot
100%
Loss of either hand or foot &sight of one eye
100%
Loss of arm at or aboveelbow
70%
Loss of leg at or above knee 60%
Loss of one hand at or abovewrist
50%
Loss of one foot at or abovethe ankle
50%
Loss of hearing of both ears 50%
Loss of sight of one eye 50%Loss of hearing of one ear 25%
Loss of thumb 15%
Loss of index finger 10%
Loss of middle finger 6%Loss of ring finger 5%
Loss of big toe 5%
Loss of little finger 4%
Loss of any toe, other thanbig toe, each 1%
DOUBLE INDEMNITY BENEFITS
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Death & Dismemberment Benefit shall be doubled if
the injury is sustained:
• while the Insured is a passenger in any public land
transportation
• while the insured is riding in a regular passenger
elevator; or
•In consequence of the burning of any theater, hotel
or public building in which the Insured ispresent.
ADD
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ITIONALFLEXADD
IBILITY
1. Policy Date - the date the policy was approved by CLIC upon receipt of the
l t t f th i iti l i It b th PR d t th
PAYING PERIOD
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• If policy date falls on the Jan 31, due date for quarterly mode shall be April 30.• In case the due date falls on a non-working day, payment must be made on the working
day preceding the non-working day due date.• Non-payment of the premium after the due date shall render the policy DELINQUENT
or IN GRACE PERIOD.
Mode of Payment Policy Date Due dates
complete payment of the initial premium. It may be the PR date or the
OR date.2. Due Date - The date on which the premium amount per agreed mode of
payment must be paid to keep the policy active.
Quarterly
Semi-Annually
Annually
May 30, 2012
May 30, 2012
May 30, 2012 May 30, 2013
August 30, 2012
November 30, 2012
May 30, 2013
November 30, 2012
May 30, 2013
•The GRACE PERIOD is the 31 DAYS allowance to reactivate a DELINQUENT or IN GRACE PERIOD
policy without any additional charges.
GRACE PERIOD
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policy without any additional charges.
•However, non-payment of premium until the end of the grace period shall be deductible from the
benefits or any valid claims that may arise during the 31-days Grace Period.
•Non-payment of the premium after the 31-day grace period shall render the plan LAPSED and all
its benefit except those mentioned in the Non-forfeiture provisions will end. It shall be
subjected to reinstatement or non-forfeiture procedure as the case may apply.
EXAMPLE : POLICY DATE = MAY 30, 2012
MODE DUE DATE LAST DAY OF GRACE PERIOD
If the due date falls on the 31th of the month, and the next month’s last day is 30, the last day of the
grace period shall be the 1st day of the second month from due date.
If the due date is January 31 and the last day of February is 28, the last day of the grace period will
be on March 3, If February has 29 days, last day of grace period shall be March 2.
Last day of due dates shall be counted 31 days beginning the second day of the policy date.
If last day of grace period falls on a non-working day, payment must be made on the working day
before the last day of the grace period to keep the plan active.
Quarterly
Semi-Annually
Annually
August 30, 2012
November 30, 2012
May 30, 2013 June 30, 2013
September 30, 2012
December 31, 2012
•Reinstatement period – is the 3-year allowance for a LAPSED policy to reactivate subject to the
following conditions:
REINSTATEMENT PERIOD
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1. The policy has not been surrendered for its cash value or converted to Extended
Term Insurance.
2. A fully accomplished Reinstatement application with evidence of insurability and all
required payments are submitted to and approved by the company.
EXAMPLE : DATE OF FIRST PAYMENT = MAY 30, 2012
MODE DUE DATELAST DAY OF GRACE
PERIODLAST DAY OF
REINSTATEMENT PERIOD
• A REINSTATED policy shall again be covered with all the benefits subject to the
Incontestability provision of the policy.
QUARTERLY
SEMI-ANNUAL
ANNUAL
AUGUST 30, 2012
NOVEMBER 30, 2012
MAY 30, 2013
SEPTEMBER 30, 2012
DECEMBER 31, 2012
JUNE 30, 2013
AUGUST 30, 2015
NOVEMBER 30, 2015
MAY 30, 2016
• COMPENSABLE
A i f h li d d hil h li i
SUICIDE
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• Anytime from the policy date and while the policy is
in-force when committed while in the state of insanity.• Two years after the policy date or last approved
reinstatement date.
• NOT COMPENSABLE• Committed within the two years prescriptive period under
the incontestability provision with no sign of insanity.• The company shall refund all premiums paid less any
indebtedness under his policy.
Only the POLICYOWNER may elect to
ASSIGNMENT
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Only the POLICYOWNER may elect to
transfer his policy to a third party through anoriginal assignment or certified copy andmust be filed with the company
The company shall not approve anyreassignment by another assignee.
1. Physical Condition –
age build personal & 5 R id l
PROSPECTIVE APPLICANTFACTORS IN APPRAISAL
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age, build, personal &
medical history,
2. Occupation - greater
degree
of exposure to injury or
sickness
3. Moral Hazard - facts,
conditions, habits, social
relationships, mode of
living, general reputation
and like factors which tend
to indicate whether or notthe applicant will make a
desirable POLICYOWNER
4. Financial - insurance \
applied should be
within the paying
capacity of the applicant.
5. Residence - lower
standards of
public health and
sanitation, political
instability and
economic conditions
6. Travel - frequency of
applicant’s travel to
remote areas or usesunusual means of
transportation
7. Avocations/ Hobbies
- activities such as
scuba diving, motor racing, mountain
climbing and the like
that exposes applicant
to a greater risk of
accident.
Level 1 - New Agents
NON- MEDICAL AUTHORITY PRIVILEGE
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Age Range Level 1 Level 2
0 - 17
18 - 45
46 - 50
51 - 60
250,000
750,000
500,000
250,000
500,000
1,500,000
1,000,000
500,000
Level 2 - CHSI Counselor of good standing for two (2)consecutive years
AGES
SUM ASSURED0 17 18 40 41 60 61 65
LEGEND
ROUTINE MEDICAL REQUIREMENTS
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(SI)0 - 17 18 - 40 41 - 60 61 - 65
Up to
500,000
500,001 –
1,500,000
1,500,001 –
3,000,000
3,000,001 –
5,000,000
Over
5,000,000
Baby Book
FME, Baby Book
APS from AP
FME, Baby Book
APS from AP
FME, CXR, Blood
Tests: -BEX 1,
HIV
FME, CXR, ECG,
Blood Tests:
-BEX 1, -HIV
FME, CXR, ECG,
Blood Tests:
-BEX 1, -BEX 2,
-HIV
FME, CXR, ECG
& TMST, Blood
Tests: -BEX 1,
-BEX 2, -HIV
FME, CXR, ECG,
FBS
FME, CXR, ECG,
FBS
FME, CXR, ECG,
FBS, -BEX 1
FME, CXR, ECG,FME, CXR
FME
FME
FME
Nil
FME, CXR, ECG & TMST,
Blood Tests:-BEX 1, -BEX 2, HBA1C, BILIRUBIN, GGT, Alkaline Phosphatase, -HIV
1. For SI 3 Million and above, to submit MCR.
2. For SI 5 Million and above, to submit MCR, ITR, and AFSAL
3. For those with NMA beyond the stated SI with routine requirements,
please follow your NMA and disregard the above.
LEGEND:
FME F ll M di l E i tiMCR – Manger’s Confidential
CHART
ROUTINE MEDICAL REQUIREMENTS
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FME – Full Medical Examination
always inclusive of urinalysis
CXR – Chest X-ray (AP)
ECG – 12 lead restingElectrocardiogram
TMST – Treadmill Stress Test
Creatinine, Serum A/G
-BEX 2 – Triglycerides, SGOT,
SGPT, BUN
AFSAL – Audited Financial Statement
of Assets & Liabilities
Report as to source of
income and premium
payment of proposed
Insured (PI)
ITR – Income Tax Return
TLI – Term Life Insurance
CLI – Credit Life Insurance
SI – Sum Assured, the total
amount of TLI and CLI
per Life
COMBO UNOCore 10 + Heart Shield 5 + SAR*
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• Issue Ages 7 – 60 years
• Payment Period 5 years
• Coverage
– Expanded Core 10 years
– Heart Shield Habangbuhay -
Lifetime
– SAR Ages 18 to 65
only
Combo Uno Plan BCombo Uno Plan B
YEARLY MAXIMUM COVERAGECOMBO UNO
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Combo Uno Plan BCombo Uno Plan BP 22,445.00 Quarterly
CP – P400,790.00Age – 40 PAYING PERIOD PAID-UP PERIOD
Program Year 1 2 3 4 5 6 7 8 9 10 11
Max Per Year 160,000 180,000 200,000 220,000 240,000 280,000 300,000 320,000 340,000 360,000
Daily Room Rate 1,600 2,000 2,400 2,800 3,200 4,000 4,400 4,800 5,200 5,600
Total Premium 22,445 22,445 22,445 22,445 22,445
With SAR
CASH
BENEFITS23,000 97,000 154,000223,000 233,000 243,000 253,000263,000 274,000
Total Insurance 1M 1M 1M 1M 1M 1M 1M 1M 1M 1M
1 MillionLife
Insurancefor Life
MEDICAL EXPENSE BENEFITCOMBO UNO
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PAYING PERIOD PAID-UP PERIOD (FREE)
PROGRAM YEAR
1 2 3 4 5 6 7 8 9 10
Actual cost in accredited
hospital If in a non-accredited
hospital, reimbursement of80% of cost based onCARITAS standard rates
Ambulance service from non-accredited to an accreditedhospital if transfer is
authorized by an accreditedphysician and cleared by hisattending physician
Notify CARITAS within 24hours
EMERGENCY CAREEMERGENCY CARE
Room & board
Services of an accreditedphysician or specialist
Lab tests, x-ray & otherdiagnostic procedures
Use of operating & recoveryroom, ICU, dialysis &chemotherapy equipment
Administration of anesthesia
and/or oxygen Tranfusion of hospital-provided
whole blood or plasma Medical supplies Prescribed drugs/medication
while under confinement
HOSPITALIZATION BENEFITSHOSPITALIZATION BENEFITS(in CARITAS-accredited hospitals)(in CARITAS-accredited hospitals)
X-ray, Ultrasound, 2D Echo
with dopplerMRI, CT scan, EMG, Nuclear
Test
Basic mammography
Treadmill Stress Test
SPECIAL DIAGNOSTIC &SPECIAL DIAGNOSTIC &LABORATORY PROCEDURESLABORATORY PROCEDURES
EMERGENCY:EMERGENCY: The member is in severe pain or imminent danger of deathor disability due to an accidental injury or a sudden & unexpected onsetof illness.
If out-patient,in CARITAS-designateddiagnostic centers
MEMBERSHIP PRIVELEGESCOMBO UNO
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PAYING PERIOD PAID-UP PERIOD (FREE)
PROGRAM YEAR
1 2 3 4 5 6 7 8 9 10
Out-patientServices
Annual PhysicalExamination
after at least 6 monthsafter at least 6 monthsfrom date of effectivityfrom date of effectivity
PreventiveHealth Care
Dental CareOther Services
12 Consultations peryear
10 pre/post natalconsultations perpregnancy
Treatment of minorinjury or illness
Minor surgeryEENT Treatment
Taking of medicalhistoryMedical examinationChest X-ray (PA)Complete blood
countFasting blood sugar
Urine & stoolexaminationECG & Pap smear
(For 35 years old &above)
Periodic monitoringof health problemsConsultation on diet,
exercise, & otherhealthful habitsCounselling on
family planningImmunization,
excluding cost ofdrugs/vaccineEnrollment on
Company-sponsoredhealth seminars
4 Consultations peryear
Annual oralprophylaxis (after atleast 3 months ofeffectivity)
Tooth extraction,excluding surgery for
impactionTemporary filling or
re-cementationTreatment of oral
pain, lesions, wound,and burns
24-hour telephone(HOTLINE)assistanceDiscounts on non-
covered services atselected hospitals,clinics, laboratories,drugstores, or optical
shops4 consultations per
year for 1 pre-designateddependent asqualified under theSSS Law ( RA 8282)
*In Caritas-designated clinics/diagnostic centers.
COMBO DOSCORE 6 VIP + HEART SHIELD 5
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• Issue Ages 61 – 65 years
• Payment Period 5 years
• Coverage
– Expanded Core 6 years
– Heart Shield Habangbuhay -
Lifetime
COMBO DOS Plan FCOMBO DOS Plan FP 10 886 Q t l
YEARLY MAXIMUM COVERAGECOMBO DOS
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P 10,886 Quarterly
CP – 194,390Age – 61
PAYING PERIOD PAID-UP PERIOD
Program Year 1 2 3 4 5 6 Max Per Year 40,000 45,000 50,000 55,000 60,000 70,000
Daily Room Rate 400 500 600 700 800 1,000
Total Premium 10,886 10,886 10,886 10,886 10,886
CASH BENEFITS 12,000 52,250 83,000 121,750 124,750 129,500 133,500 137,500 141,250
Total Insurance 250,000 250,000 250,000 250,000 250,000 250,000 250,000 250,000 250,000 250,000
250,000 LifeInsurancefor Life
PAYING PERIOD PAID-UP
MEDICAL EXPENSE BENEFITCOMBO DOS
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PAYING PERIOD PAID UPPERIOD (FREE)
PROGRAM YEAR
1 2 3 4 5 6
Actual cost in accredited
hospital If in a non-accredited
hospital, reimbursement of80% of cost based onCARITAS standard rates
Ambulance service from non-accredited to an accreditedhospital if transfer is
authorized by an accreditedphysician and cleared by hisattending physician
Notify CARITAS within 24hours
EMERGENCY CAREEMERGENCY CARE
Room & board
Services of an accreditedphysician or specialist
Lab tests, x-ray & otherdiagnostic procedures
Use of operating & recoveryroom, ICU, dialysis &chemotherapy equipment
Administration of anesthesia
and/or oxygen Tranfusion of hospital-provided
whole blood or plasma Medical supplies Prescribed drugs/medication
while under confinement
HOSPITALIZATION BENEFITSHOSPITALIZATION BENEFITS(in CARITAS-accredited hospitals)(in CARITAS-accredited hospitals)
X-ray, Ultrasound, 2D Echo
with dopplerMRI, CT scan, EMG, Nuclear
Test
Basic mammography
Treadmill Stress Test
SPECIAL DIAGNOSTIC &SPECIAL DIAGNOSTIC &LABORATORY PROCEDURESLABORATORY PROCEDURES
EMERGENCY:EMERGENCY: The member is in severe pain or imminent danger of deathor disability due to an accidental injury or a sudden & unexpected onsetof illness.
If out-patient,in CARITAS-designated
diagnostic centers
MEMBERSHIP PRIVILEGESCOMBO DOS
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PAYING PERIOD PAID-UP PERIOD
(FREE)PROGRAM YEAR
1 2 3 4 5 6
Out-patientServices
Annual PhysicalExamination
after at least 6 monthsafter at least 6 months
from date of effectivityfrom date of effectivity
PreventiveHealth Care
Dental CareOther Services
12 Consultations peryear
10 pre/post natalconsultations perpregnancy
Treatment of minorinjury or illness
Minor surgeryEENT Treatment
Taking of medicalhistoryMedical examinationChest X-ray (PA)Complete blood
countFasting blood sugarUrine & stool
examinationECG & Pap smear
(For 35 years old &above)
Periodic monitoringof health problemsConsultation on diet,
exercise, & otherhealthful habitsCounselling on
family planning
Immunization,excluding cost ofdrugs/vaccineEnrollment on
Company-sponsoredhealth seminars
4 Consultations peryear
Annual oralprophylaxis (after atleast 3 months ofeffectivity)
Tooth extraction,
excluding surgery forimpactionTemporary filling or
re-cementationTreatment of oral
pain, lesions, wound,and burns
24-hour telephone(HOTLINE)assistanceDiscounts on non-
covered services atselected hospitals,clinics, laboratories,
drugstores, or opticalshops4 consultations per
year for 1 pre-designateddependent asqualified under theSSS Law ( RA 8282)
*In Caritas-designated clinics/diagnostic centers.
COMMISSION SCHEDULE
COMPENSATION PACKAGE
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POLICY YEAR HEART SHIELD CORE
*30%
5%
2 %
40%
10%
2 %
1
2
3-5
* + 5% Heart Shield for licensed Insurance consultant
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36 Have
… and here they are at age 65
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DIED
54 areDEPENDENTS
4 areINDEPENDENT
1 isRICH
5 areWORKING
Common among
Filipinos…
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INCOME
- EXPENSES
DEFICIT(Credit Card, 5/6, Loans etc.)
Caritas Life’sCaritas Life’s Advice Advice……
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CORRECT FORMULA
INCOME –SAVINGS
= EXPENSES
(Nobody Plans to Fail, But Many Fail to Plan…)
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HEART SHIELD 5MAS MASAYA ANG BUHAY
HABANGBUHAY
ARITAS IFE
CARITAS
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The COMBI
Grande Plan
HEALTH &WEALTH
CARITAS HEALTH &WEALTH
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pension
benefit
The COMBI Grande PlanWEALTH
healthcarecoverage
insurancebenefits
The plan that
provides for a
simple way of
giving you funds
for your future
needs, completes
your pension plan
In case of death
or disability,and adequate
benefits in case
of hospitalization
confinement.
Fulfill Your Dreams
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Owning a
beautiful house
Driving a
nice car
Travelingabroad
Besteducation
for your child
A worry-freeretirement
While taking care of the
IMPORTANTIMPORTANT & URGENTURGENT
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IMPORTANTIMPORTANT & URGENTURGENTMATTERS in your life….
Your Family Your Family Your Health Your Health
CARITAS HEALTH &WEALTH
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A systematic program for savings, insurance, and healthcare broughtabout by the collaboration between…
The COMBI Grande PlanWEALTH
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Pension Plan Program Time LinePension Plan Program Time Line
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Paying PeriodPaying Period5 Years5 Years
Growth/WaitingGrowth/WaitingPeriodPeriod10 Years10 Years
Maturity/SettlementMaturity/SettlementPeriodPeriod
StartStart Full Payment Maturity DateMaturity Date
Pension BenefitPension BenefitCARITAS FP Mabuhay Classic 5/15
Upon maturity, the planholder will receive the full amount of the
SETTLEMENT OPTION 1SETTLEMENT OPTION 1 Lump Sum PaymentLump Sum Payment
CARITA
S FP Mabuhay Classic 5/15SETTLEMENTOPTIONS:
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Upon maturity, the planholder will receive the full amount of the
Pension Benefit as final settlement of the FUND PROVIDERFUND PROVIDER..
SETTLEMENT OPTION 2 Periodic Payment of InterestPeriodic Payment of Interest
After the maturity date, and during the Availment Period, the
planholder will receive on a regular basis (annual, semi-annual, or quarterly) the interest earned by the PensionBenefit. Amount of which shall be based on the prevailinginterest rate upon maturity date.
SETTLEMENT OPTION 3SETTLEMENT OPTION 3 Partial Withdrawal withPartial Withdrawal withInterest PaymentInterest Payment
Upon maturity, the planholder may withdraw any amountfrom the Pension Benefit (PB); the remaining amount shall besubject to the Periodic Payment of Interest.
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Insurance CoverageMATURITY / SETTLEMENTMATURITY / SETTLEMENT
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PAYING PERIODPAYING PERIOD GROWTH PERIODGROWTH PERIODMATURITY / SETTLEMENTMATURITY / SETTLEMENT
PERIODPERIOD
WAIVER OFINSTALLMENTSDUE TODISABILITY
WAIVER OFINSTALLMENTSDUE TODISABILITY
For With Insurance Benefit (WIB) planholders
only.18 – 60 years old at the time of application In good health
All claims shall be subject to one (1) yearcontestability period from date of effectivity or
reinstatement.
CREDIT LIFE INSURANCECREDIT LIFE INSURANCEPAYING PERIODPAYING PERIOD GROWTH PERIODGROWTH PERIOD MATURITY PERIODMATURITY PERIOD
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CREDIT LIFE INSURANCE In case the PLANHOLDER dies during the Paying Period and before his/her
70th birthday, the plan will be rendered FULLY PAID.
WAIVER OF INSTALLMENTSWAIVER OF INSTALLMENTSDUE TO DISABILITY DUE TO DISABILITY
PAYING PERIODPAYING PERIOD GROWTH PERIODGROWTH PERIOD MATURITY PERIODMATURITY PERIOD
In case the PLANHOLDER becomes totally disabled during the Paying Periodand prior to his 60th birthday, ALL INSTALLMENTS BECOMING DUE WILL BEWAIVED, where such disability continues for at least 6 months.
DISABILITY BENEFIT
Pending approval of the claim, installments must be paid as they become due, subject to refund upon approval.
CHSI EXPANDED COREBASIC 15 Healthcare BenefitsHealthcare Benefits
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Fifteen-year Program
Start MaturityFully
Paid
MaxCoverage
per Year
DailyRoomRate
PAID-UP PERIODPAYING PERIOD
151413121110987654321
PROGRAM YEAR
… up to P1,175,000 in total coverage allocated for you!!!
MEDICAL EXPENSE BENEFITSMEDICAL EXPENSE BENEFITSPAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD
MEDICAL EXPENSE BENEFIT
1
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… charged to MBL
HOSPITALIZATION BENEFITSHOSPITALIZATION BENEFITSRoom & boardServices of an accredited physician or specialistLab tests, x-ray & other indicated diagnosticsUse of operating & recovery room, ICU, dialysis &
chemotherapy equipmentAdministration of anesthesia and/or oxygen
Transfusion of hospital-provided whole blood or plasma Medical suppliesPrescribed drugs/medication while under confinement
MEDICAL EXPENSE BENEFITSMEDICAL EXPENSE BENEFITS
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD
MEDICAL EXPENSE BENEFIT… charged to MBL
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EMERGENCY CAREEMERGENCY CAREActual cost in accredited hospital
If in a non-accredited hospital, reimbursement of 80% of
cost based on CARITAS standard ratesAmbulance service from non-accredited to an
accredited hospital if transfer is authorized by anaccredited physician and cleared by his attendingphysician
Notify CARITAS within 24 hours
EMERGENCYEMERGENCY:: The member is in severe pain or imminentdanger of death or disability due to an accidental injury or a sudden & unexpected onset of illness.
MEDICAL EXPENSE BENEFITSMEDICAL EXPENSE BENEFITS
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD
MEDICAL EXPENSE BENEFIT… charged to MBL
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SPECIAL DIAGNOSTIC & LABORATORY SPECIAL DIAGNOSTIC & LABORATORY PROCEDURESPROCEDURES
X-ray, Ultrasound, 2D Echo with Doppler
MRI, CT Scan, EMG, Nuclear Test
Basic mammography
Treadmill Stress Test
MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGES
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD
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Out-Patient Services12 Consultations per year
10 pre/post natal consultations per pregnancyTreatment of minor injury or illness
Minor surgery
EENT Treatment
MEMBERSHIP PRIVILEGES …free!
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD
MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGES
MEMBERSHIP PRIVILEGES …free!
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Annual Physical Examination(after at least 6 months from date of effectivity))
Taking of medical history
Medical examinationChest X-ray (PA)
Complete blood count
Fasting blood sugar
Urine & stool examinationECG & Pap smear
(For 35 years old & above)
MEMBERSHIP PRIVILEGES …free!
MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGES
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD
MEMBERSHIP PRIVILEGES …
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Preventive Health CarePeriodic monitoring of health problems
Consultation on diet, exercise, & other healthfulhabits
Counseling on family planning
Immunization, excluding cost of drugs/vaccine
Enrollment on Company-sponsored healthseminars
MEMBERSHIP PRIVILEGES …
free!
MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGES
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD
MEMBERSHIP PRIVILEGES …free!
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Dental Care4 Consultations per year
Annual oral prophylaxis (after at least 3 months
of effectivity)Tooth extraction, excluding surgery for
impaction
Temporary filling or re-cementation
Treatment of oral pain, lesions, wound, and
burns
MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGES
PAYING PERIODPAYING PERIOD PAID-UP PERIODPAID-UP PERIOD
MEMBERSHIP PRIVILEGES …free!
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Other Services
24-hour telephone (HOTLINE) assistance
Discounts on non-covered services at selectedhospitals, clinics, laboratories, drugstores, oroptical shops
4 consultations per year for 1 pre-designateddependent as qualified under the SSS Law (RA8282)
EXPANDEDEXPANDEDCORECORE
BASIC-15BASIC-15
CFPI 5/15CFPI 5/15MABUHAY MABUHAY CLASSICCLASSIC =
COMBICOMBIGRANDEGRANDE
PLANPLAN
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PAYING PERIODPAYING PERIOD GROWTH PERIODGROWTH PERIOD
MBL: YEARLY MAXIMUM COVERAGEWith corresponding Maximum Daily Room Rate
…that increases every year!
MBL: YEARLY MAXIMUM COVERAGEWith corresponding Maximum Daily Room Rate
…that increases every year!
MEDICAL EXPENSE BENEFITSMEDICAL EXPENSE BENEFITS
MEMBERSHIP PRIVILEGESMEMBERSHIP PRIVILEGES
INSURANCE COVERAGEFor Planholders aged 18-60 upon entry
INSURANCE COVERAGEFor Planholders aged 18-60 upon entry
MATURITY BENEFITMATURITY BENEFITAVAILMENTAVAILMENT
FundFundProviderProvider
PensionPension
BenefitBenefit
P 40,000
P 45,000
Max Coverageper Year
P 400
P 500
Max Coverageper Year
HEALTHCAREBENEFITS
FULLY
PAID
WIDD(Disability)
FULLY
PAID
Credit Life(Death)
INSURANCEBENEFITS
1
2PAYING
Program Year
(5/15 Plan)
-
-
PENSION
BENEFIT(Cash Value)
COMBIGRANDE
Plan D
100,000
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Pension Maturity Benefit at the end of 15th year ► P100,000
P 50,000
P 55,000
P 60,000
P 70,000
P 75,000
P 80,000P 85,000
P 90,000
P 95,000
P100,000
P105,000
P110,000
P115,000
P 600
P 700
P 800
P 1,000
P 1,100
P 1,200P 1,300
P 1,400
P 1,500
P 1,600
P 1,700
P 1,800
P 1,900
PAID
PENSION
PLAN
PAID
PENSION
PLAN
3
4
5
6
7
89
10
11
12
13
14
15
PAYING
PERIOD
PAID-UP /
WAITING
PERIOD
-
-
-
P 50,025
P 54,027
P 58,349P 63,017
P 68,058
P 73,503
P 79,383
P 85,734
P 92,593
P 100,000P1,175,000
HIGHLIGHTS OF THESUPPLEMENTAL
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AGREEMENT
The EXPANDED CORE BASIC 15 is not
stand-alone product and must be purchased incombination with the designated number of units (A+[50] – F [5]) of the CFPI MABUHAY CLASSICPLAN
EXPANDED CORE BASIC 15 and CFPIMABUHAY CLASSIC PLAN must be in forceby paying their respective installments simultaneously
Available Plans Available PlansThe COMBI Grande
Plan
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Plan NamePlan NameNo. of UnitsNo. of Units
Pension BenefitPension BenefitExpandedExpandedCoreCore
Basic-15Basic-15
CFPI MABUHAY CFPI MABUHAY CLASSICCLASSIC
A+ 5 50 Units, 5/15 P500,000
A 5 30 Units, 5/15 P300,000
B 5 20 Units, 5/15 P200,000
C 5 15 Units, 5/15 P150,000
D 5 10 Units, 5/15 P100,000
E 5 7 Units, 5/15 P 70,000
F 5 5 Units, 5/15 P 50,000
12 to less than 30
Plan Name A+ A B C D E F
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No. of Units FIFTY(50)
THIRTY(30)
TWENTY(20)
FIFTEEN(15)
TEN(10)
SEVEN(7)
FIVE(5)
Contract Price499,600 335,600 253,600 212,600 171,600 147,000 130,600
Spot Cash* 450,040 302,440 228,640 191,740 154,840 132,700 117,940
Annual 99,920 67,120 50,720 42,520 34,320 29,400 26,120
Semi-Annual53,127 35,747 27,057 22,712 18,367 15,760 14,022
Quarterly 27,568 18,548 14,038 11,783 9,528 8,175 7,273
Spotcash* - Net of 10% discount but inclusive of P400.00 policy fee
30 to less than 40
Plan Name A+ A B C D E F
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No. of Units FIFTY(50)
THIRTY(30)
TWENTY(20)
FIFTEEN(15)
TEN(10)
SEVEN(7)
FIVE(5)
Contract Price505,730 341,730 259,730 218,730 177,730 153,130 136,730
Spot Cash* 455,557 307,957 234,157 197,257 160,357 138,217 123,457
Annual 101,146 68,346 51,946 43,746 35,546 30,626 27,346
Semi-Annual53,789 36,409 27,719 23,374 19,029 16,422 14,684
Quarterly 27,911 18,891 14,381 12,126 9,871 8,518 7,616
Spotcash* - Net of 10% discount but inclusive of P400.00 policy fee
40 to less than 50
Plan Name A+ A B C D E F
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No. of Units FIFTY(50)
THIRTY(30)
TWENTY(20)
FIFTEEN(15)
TEN(10)
SEVEN(7)
FIVE(5)
Contract Price512,500 348,500 266,500 225,500 184,500 159,900 143,500
Spot Cash* 461,650 314,050 240,250 203,350 166,450 144,310 129,550
Annual 102,500 69,700 53,300 45,100 36,900 31,980 28,700
Semi-Annual54,520 37,140 28,450 24,105 19,760 17,153 15,415
Quarterly 28,290 19,270 14,760 12,505 10,250 8,897 7,995
Spotcash* - Net of 10% discount but inclusive of P400.00 policy fee
7 to less than 12 / 50 to 60 (insurance age)
Plan Name A+ A B C D E F
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No. of Units FIFTY(50)
THIRTY(30)
TWENTY(20)
FIFTEEN(15)
TEN(10)
SEVEN(7)
FIVE(5)
Contract Price520,700 356,700 274,700 233,700 192,700 168,100 151,700
Spot Cash* 469,030 321,430 247,630 210,730 173,830 151,690 136,930
Annual 104,140 71,340 54,940 46,740 38,540 33,620 30,340
Semi-Annual55,406 38,026 29,336 24,991 20,646 18,039 16,301
Quarterly 28,750 19,730 15,220 12,965 10,710 9,357 8,455
Spotcash* - Net of 10% discount but inclusive of P400.00 policy fee
COMBI GrandeCOMBI GrandePLANPLAN
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Basic Commission
First Year Payment 40 % Plan Credit
FOR HEALTH COUNSELORSOR HEALTH COUNSELORS
Renewal Commissions
2nd -Year Payments 10% Plan Credit
3rd-5th Year Payments 2% Plan Credit
Let’s Review:
TYPES OF MEMBERSHIP:
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A comprehensive HealthcareA comprehensive HealthcareMembership ProgramMembership Program
Healthcare Program Packages
A comprehensive HealthcareA comprehensive HealthcareMembership Program perfect withMembership Program perfect withyour CLIC Heart Shield 5your CLIC Heart Shield 5
A comprehensive HealthcareA comprehensive HealthcareMembership Program at a moreMembership Program at a moreaffordable cost.affordable cost.
Let’s Review:
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Heart Shield 5 + SAR
COMBO Uno
COMBO Dos
COMBI Grande Plan
WHAT’S NEXT?
ATTEND CHARTS, and be a full pledged Caritan
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An adequate value-for-moneyAn adequate value-for-moneyhospitalization and annualhospitalization and annual
physical examination programphysical examination program
By getting your Provisional Receipt
An adequate value-for-moneyAn adequate value-for-moneyhospitalization and annualhospitalization and annual
physical examination programphysical examination program
WHOLESALE MARKETINGWHOLESALE MARKETING
Maraming Salamat Po!Maraming Salamat Po!