Say "Hello" to your PurpleCow health plan!
Competitive Advantages
Accred. Doctors, Hospitals (+Big 9) & Clinics (+Hlthwy) for NO-CASH-OUT
Non-Accred. Doctors, Hospitals & Clinics for REIMBURSEMENT (@RUV)
Benefits ON TOP OF PhilHealth, not integrated with/inclusive of PhilHealth
24/7 TELEMEDICINE from Doctor Anywhere, without requiring an LOG
Plan Members can avail of any inpatient, outpatient, or emergency healthcare service as a Healthcare patient for no-cash-out, at any accredited doctor, hospital or clinic nationwide.
A Member’s health card (or ID#) and an ETIQA Letter of Guarantee (LOG) are required to avail of healthcare benefits through No-Cash-Out, from ETIQA’s Medical Information Center (MIC). An LOG is required for consults. A doctor’s request with diagnosis is required to get an LOG for lab & diagnostic tests.
Request an LOG here: Go2.purplecow.ph/LOGPortal
Major hospitals & clinics include: Makati Medical Center, St Luke's Medical Center (Quezon City & Global City), Cardinal Santos Medical Center, Asian Hospital & Medical Center, The Medical City, Healthway Clinics, Hi-Precision Diagnostics, MyHealth Clinics, and QualiMed Clinics.
Plan Members can avail of any inpatient, outpatient, or emergency service as a private patient for reimbursement at any hospital or clinic worldwide, and reimburse at the accredited rate: the rate ETIQA would have paid the doctor, hospital, or clinic had they been accredited.
An ETIQA Claim form and an Official Receipt (OR) are required to avail of healthcare benefits through Reimbursement, from ETIQA’s Claims department. A doctor’s request with diagnosis is required to reimburse for lab & diagnostic tests; a doctor’s prescription is required to reimburse for equipment & supplies.
Doctor Anywhere provides telemedicine services through their app. Setup of member's Etiqa account is required. Learn more at Go2.purplecow.ph/DA.
Unfair Advantages
100% Pre-Existing Conditions coverage (dreaded or non-dreaded), up to MBL
100% Congenital Conditions coverage (conditions before birth), up to MBL
100% Special Procedures coverage (Special Modalities of Treatment), up to MBL
No-Fault Coverage for 7 former Exclusions (including drunk driving), up to MBL
Pre-Existing Conditions (PEC) refers to medical conditions that existed before healthcare coverage, whether or not life-threatening. Purple Cow provides 100% PEC coverage, up to MBL.
Congenital Conditions refers to medical conditions that existed before birth. PurpleCow provides 100% Congenital Conditions coverage, up to MBL.
Special Procedures/Modalities refers to alternative medical procedures that are not invasive, or do not involve surgery. PurpleCow provides 100% Special Procedures coverage, up to MBL.
No-Fault Coverage (NFC) refers to the 7 former ETIQA MP+ Exclusions that became part of PC’s standard MED benefit. NFC is PurpleCow’s contribution to ETIQA’s goal of ‘Humanizing Insurance.’
Optional Benefits
Dental HMO
10 basic dental benefits for no-cash-out, nationwide
Annual Physical Exam
Basic 5/7 procedures from APE-accredited clinics, nationwide
Life & Accident Insurance
Life & Accident benefits as a multiple of your MBL, worldwide
DENTAL includes 1 permanent filling, 2 oral prophylaxes, unlimited consults, simple tooth extractions, temporary fillings, gum treatment, simple adjustment of dentures, recementation, treatment of pain, and emergency procedures, from 700 clinics nationwide.
Fee: +P300
ANNUAL PHYSICAL EXAMINATION includes a physical exam (visual acuity/oral exam/medical history), chest x-ray, CBC, (complete blood count), urinalysis, and fecalysis— as well as an ECG (electrocardiogram) & pap smear for 35+ years old.
Note: LOG required
Fee: +P800
LIFE & ACCIDENT INSURANCE (1-5x MBL, 1M NEL) includes GYRT/TPD+PA/M&A.
Life/Total&Permanent Disability = 1-5x MBL
Accidental Death/Provoked Murder = 1-5x MBL
Accidental Disablement or Provoked Assault = % of 1-5x MBL
Eligibility: 30 days old to 65 years old
Fee: +P6/1000 MBL
Optional Terms & Conditions
Benefits for Reimb. Only
Reimbursement for 7 existing Exclusions up to 10% MBL
Annual Benefit Limit
Aggregate limit for all disabilities (sickness or accident), per year
Independent of PhilHealth
ETIQA pays for PhilHealth's share of the bill, in the absence of PhilHealth
BENEFITS FOR REIMBURSEMENT ONLY waives 7 exclusions, up to an aggregate limit of 10% MBL for screening procedure; Dental/Vision; Annual Physical Exam/Executive Check-up; Rx Medicines/Vaccines; Maternity, etc.; Cosmetic/Aesthetic; +CAM. BRO can be applied on a per rank basis. Small Private or higher room and board required.
Fee: +P250/1,000 MBL
ANNUAL BENEFIT LIMIT is a single aggregate limit for all disabilities per year (sickness or accident), whereas MAXIMUM BENEFIT LIMIT is per disability per year. ABL can be applied on a per-rank basis. ABL rates are slightly cheaper than MBL rates.
INDEPENDENT OF PHILHEALTH allows non-PhilHealth members to be discharged without filing for PhilHealth, or paying for PhilHealth's share of the bill.
Note: Etiqa will not enroll member in PhilHealth. IPH can be applied on a per-individual basis.
Fee: +P2,400
Exclusions
- Expenses that should be taken care of by government programs such as PhilHealth;
- Services rendered, or supplies provided, free of charge;
- Incremental costs from taking a higher room accommodation than Member’s R&B limit;
- Non-recommended confinement; convalescent/domiciliary/custodial care; rest cures;
- Medico-Legal Fees, including the cost of Medical Certificates;
- Procedures that are not medically necessary, or that are used for screening purposes only; medical equipment purchased in support of medical treatment, including but not limited to: nebulizer/suction/CPAP machines, TENS/thermo-scan/BP devices, and all test kit supplies; (covered under optional BRO)
- Dental-related cases, except for (optional) Dental benefits, and cases of accidental injury; Vision-related cases (i.e., errors of refraction), except for Lasik to treat for legal blindness; (covered under optional BRO)
- Annual Physical Examinations, except for (optional) APE benefits; Executive Check-Ups; (covered under optional BRO)
- Take-home or prescribed (Rx) medicines; Vaccines, except for anti-venom/rabies/tetanus; (covered under optional BRO)
- Maternity/maternity-related conditions/complications; fertilization/sterilization/sex change; (covered under optional BRO)
- Cosmetic/aesthetic procedures, except for reconstructive surgery for functional defects; (covered under optional BRO)
- Complementary & alternative medicine (CAM)—medical systems, practices, and products that are not mainstream, but that are associated with good health, and that complement or serve as an alternative to conventional medicine. The following CAM modalities include, but are not limited to, these examples: 1) alternative medical systems (e.g., traditional Chinese medicine, Ayurveda, homeopathy, naturopathy); 2) mind-body interventions (e.g., prayer, meditation, Tai Chi, yoga, art/dance/music therapy); 3) biologically-based treatments (e.g., diets, dietary supplements, herbal remedies, functional foods); 4) manipulative & body-based methods (e.g., chiropractic, acupuncture, massage therapy); 5) energy therapies (e.g., Qi Gong, Reiki, magnets); and 6) folk medicine (e.g., Albularyo, Hilot, Faith healers). (covered under optional BRO)
Our Partners
Who do you want to refer to PurpleCow?
Php5,000
For 5-9 employees
Php10,000
For 10-99 employees
Php15,000
For 100-199 employees
Php20,000
For 200+ employees
All fields required.
APPENDIX
MEDICAL AVAILMENT
A Letter of Guarantee (LOG) is required to avail of inpatient or outpatient services in accredited medical facilities. Lala (PC) lala@purplecow.ph can assist.
1) For outpatient LOG (consultations/lab tests/OP surgery), you can request LOG 3 ways:
Go2.purplecow.ph/EtiqaPortal | Mon-Fri, 8AM-2PM: 4-hour T-A-T on the same day (nights/weekends/holidays excluded), or 4 hours from the start of the next business day, via direct email to the Member;
Go2.purplecow.ph/SmileApp | 15-min T-A-T for auto-consults; 24-hours for lab tests.
CALL MIC at 02-8895-3308 | 0908-883-4901 | 0917-520-8919 | Viber: 0945-493-9499.
2) For inpatient LOG (confinements), EMAIL your LOG request to the LO (Liaison Officer) Team / Inpatient Team at LO@etiqa.com.ph, attn. Mitch Angeles mcangeles@etiqa.com.ph.
For network concerns, email Network BOSS Ida at etiqaph_network@etiqa.com.ph; for Wellness Seminars, email Lalaine wellness@etiqa.com.ph (x352); for TPA accommodations (to waive healthcare limits or exclusions), email Jane Castillanes edelc@etiqa.com.ph (x213).
BILLING & COLLECTIONS
Your first bill should arrive 1-2 weeks after your start date. Subsequent bills should arrive a month before your next modal due date. Tina (PC) tina@purplecow.ph can assist. There is a 1-month grace period from due date to suspension, so settle ASAP with billing@etiqa.com.ph, c/o Maleyn mvcastro@etiqa.com.ph (x227) (Premium) or Florence flfrecia@etiqa.com.ph (x237) (TPA), cc: Billing BOSS Norie nlalmendarez@etiqa.com.ph (x270). If your account is suspended, you can reinstate it immediately with your proof of payment to premcollection@etiqa.com.ph, attn. Jackie (x213) jdpreciados@etiqa.com.ph, cc: Finance BOSS Atty. Yza mirevita@etiqa.com.ph (x312).
CLAIMS REIMBURSEMENT
MEDICAL CLAIMS for services provided outside the accredited medical network are reimbursed within 2-3 weeks of submission of complete docs at the accredited rate: the rate ETIQA would have paid accredited doctors/hospitals/clinics.
LIFE & ACCIDENT CLAIMS (L&A) are also paid within 2-3 weeks of submission. Bernard (PC) bernard@purplecow.ph can assist. Email claimsreimbursement@etiqa.com.ph, attn. Juday (x297) jmsantos@etiqa.com.ph (MED), or Josel (x235) jtticzon@etiqa.com.ph (L&A), cc: Claims BOSS Nilo ncmacasaet@etiqa.com.ph.
CURRENT UTILIZATION REPORTS can be requested from claimsdirect@etiqa.com.ph, attn. Felix femellares@etiqa.com.ph (x400), but are also automatically provided 1 month ahead of your renewal.