ADDITIONAL LIFE PRODUCTS

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ADDITIONAL LIFE PRODUCTS
Effective November Marketing Month 2006
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A Traditional Life plan with Hospitalization
Reimbursement Benefit
For METRO MANILA PROVINCIAL AREAS
Individual Planholders
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TYPES OF PRODUCTS

• PrimeLife Classic
• Casket is made of delicately crafted wood with
  full length glass for full viewing. Expertly
  carved supports and corners with impressive
  handles. With appropriate interior lining
• PrimeLife Premier
• Casket is made of quality metal. Single lid with
  half glass for
• half viewing. Full-length handles. Artistic
  supports and
• corner. Interior of quality fabrics
• All other features and benefits remain the same.

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• Be on call 24 hrs. a day
• through our Prudentialife Hotline
• 893-0367 (for Metro Manila only)

• Death Certificate

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• See to it that the body is
• - cleaned and bathed
• - embalmed
• - applied with professional cosmetics
• Provide the chosen casket
• Provide for autopsy when needed authorized by
  the family
• Provide viewing arrangements

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• Assist the family in arranging for the purchase
  of the lot, niche, or crypt
• Assist in the publication of obituary notices
• Necessary permits
• Registration of Death Certificate
• Certified true copies of death certificate

tdd/ASANI/2000
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• Facilities and equipment for viewing
• Registry book and pen
• Selection of pallbearers
• Proper lighting effects
• Details of interment date and time
• Procession route
• Assist the family in seeing to it that the
  interment site is arranged and prepared.
• Funeral records

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• Funeral cortege
• Appropriate funeral coach
• Other requests relative to the funeral cortege
• Proper epitaph and appropriate marker
• Arrangements with a priest or minister
• Complete statement of charges

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• Reasonable assistance to effect services outside
  15 km distance
• If death occurs outside the Philippines,
  reasonable assistance shall be given
• Second mortuary
• Whether it falls in the regular duty or not, use
  all reasonable efforts to provide any extra
  service

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A Planholder should be living anywhere within a
15 kilometer radius from any PLPI office or
Certified Servicing Mortuary.
15 kilometers
If not, the Planholder should agree to the
terms that we cannot assure Prompt Memorial
Service.
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PLANHOLDER (18 60 YRS. OLD) The person who owns
the plan. Whose name and signature appears on the
plan application
BENEFICIARY The person/s designated by
the Planholder to receive the benefits of the
Plan should the Planholder pass away
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CO-PLANHOLDER (18 55 YRS. OLD)

• The designated insurable
• spouse
• child
• parent
• brother
• sister

asa/tdd/2000
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The Product

• The Hospitalization Reimbursement coverage is
  during the paying period of maximum five (5)
  years and before PH reaches age 65.

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There are only three (3) items that are subject
to the per surgical schedule or percentage
limit.

• Surgeons Fee
• Anesthesiologists Fee
• Operating Room Fee

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Example 1 Amputation of 1 Breast radical
Item Eligible Expense Percentage
Limit (listed in the table)
(back of COI) Surgeons Fee P50,000.00
75
so P50,000 x .75 Equals P37,500.00
This tells us that the maximum reimbursement for
Surgeons Fee in a breast amputation procedure is
P37,500.00 only.
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Example 2 Gastrectomy
Item Eligible Expense Percentage
Limit (listed in the table)
(back of COI) Anesthesiologists Fee
P17,500.00 100
so P17,500 x .100 Equals P17,500.00
This tells us that the maximum reimbursement for
Anesthesiologists Fee in Gastrectomy is
P17,500.00.
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• has been diagnosed/treated prior Contract Date

• has been evident to PH prior Contract Date

• can be determined to have started prior Contract
  
• Date based on its pathogenesis or natural
  history

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Coverage Exclusions

• congenital conditions and neo-natal defects

• unnecessary care or treatment or that which
• is payable by another coverage/plan

• self-inflicted injuries
• 3.a. due to insanity
• 3.b. resulting from alcoholism
• 3.c. from sports or hobby
• 3.d. in an attempt to save human life
  

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Coverage Exclusions
4. cosmetic plastic surgery, routine physical
exam, dental care treatment, and eye
examinations
5. injuries or disability arising out of war
6. pregnancy-related contraceptive devices
treatment of infertility or impotence
7. HIV, AIDS, related complex, or any mutation
8. elective confinements
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To file for a claim

• PH submits original or certified copy of receipts
• and other documents listed at the back of
  COI
• to PLPI Plan Benefits Department

• Reimbursement claims should be filed within
• ninety (90) days from confinement

• Check shall be released through PLPI Plan
• Benefits Department or nearest branch office

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Prices are inclusive of EVAT
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• Transfer

sold or donated to a living person

• During paying period only

• Only applicable remaining benefits shall be
  transferred

• New PH is subject to 1-year contestability period

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2. Assignment
sold or donated to a deceased person

• During at-need

• Balance must be fully settled

• Hospitalization Reimbursement Benefit shall be
  terminated

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Unpaid still
What if plan lapses?
Grace Period
Due date
Lapsed!
2 months
Dec 2, 2007
Oct 1, 2006
Until Dec 1, 2007
3. Reinstatement
Update - pay arrears, penalty charges, etc.
Note PH is subject to 1-year contestability
period and 1-year pre-existing condition clause.
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• Termination the PH cannot continue paying
• for the plan and opts to surrender it.

ACV
Annual Cash Value (ACV) - attained value of paid
installments
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1. Plan Application use UPA to evidence
application
Note On Plan Data, check Others and write
PRIMELIFE on the space provided
2. Co-PH Declaration Form to process
coverage for Dual Protection Benefit for
the co-Planholder
3. Plan Contract to evidence acceptance and
approval by Prudentialife
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4. Certificate of Insurance (COI) to evidence
hospitalization reimbursement coverage
5. Certificate of Full Payment (CFP) - 1
Certificate of Full Payment to certify full
payment or ownership of a fully paid
plan
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hospitalization reimbursement benefit.
quality metal
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2
1
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• The maximum hospitalization reimbursement benefit
  is
• P________ per illness/disability, per year.

148,400.00
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percentage limit/per surgical schedule
pre-existing condition clause
Exclusions
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70
AD D
FAF
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co-PH

• The Money-Back Benefit is a benefit that pays PH/
• Beneficiary 100 of the Contract Price, _____
  years after
• the plan should have been fully paid.

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transferred
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pre-deceased
fully paid
updating
accrued value
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Plan Contract
Certificate of Insurance
P95.05
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