xpanded GOLD Health Care ProgramThe Expanded GOLD Health Care Program is a first of its kind HMO program that limits your obligation to a five year paying period. It offers the most comprehensive Health Care program in the industry that includes, among others, the following benefits and features:Ø  Protects you from any premium increases through a 5-year pay plan with a level premium for 5 years.Ø  A yearly increase in the Maximum Amount of Coverage per Illness and Maximum Daily Room Rate upon first installment for your medical benefits.Ø  You continue to enjoy the increasing Maximum Amount of Coverage per Illness and Maximum Daily Room Rate for an additional period of 1 or 5 years after the paying period (without paying additional installment).Ø Guarantees you the availability of a Expanded Benefit Limit for your medical benefits on the 7th or 11th year and onwards. Ø  Build your Expanded Benefit Limit through a guaranteed 5% yearly increment. However, if you do not avail of any of the Medical Expense Benefits during the entire paying period, the Expanded Benefit Limit increases by 8%.Ø  You can charge the Medical Expense Benefits incurred by an immediate family member to the Expanded Benefit Limit on the 7th or 11th year and onwards. Ø  Your responsive Medical Expense Benefits Package composed of: ü  Hospitalization Benefitsü  Emergency Care andü  Special Diagnostic and Laboratory ProceduresØ  Your all-inclusive Membership Privileges Package composed ofü  Outpatient Servicesü  Annual Phyical Examinationü  Preventive Health Careü  Dental Careü  Other Services, andØ  You have a Four-Way Comprehensive Insurance Package,Ø  Plus a host of additional features that includes among others:ü  Coverage of Pre-existing Illnessü  Additional Benefits during the 7th or 11th year and onwardsü  Provisions on transfer and assignmentü  Grace Period andü  Plan Termination Values.Membership in Caritas Health Shield assures you of a nationwide, round-the-clock health protection made possible by a young and growing HMO Company owned and managed by eminent physicians and business professionals in consortium with a nationwide medical services network of health care providers numbering more than 361 hospitals, 192 clinics and laboratories, 7,074 doctors and 472 dentists.It also makes available to you, accessible, convenient and customer friendly laboratory, diagnostic and medical services of our very own  nationwide network of over forty (40) clinics.Through the Caritas Expanded Health Care Program, you will be able to do more than just provide for your present health needs; you will be securing your future health requirements as we

Consistent with its mission of providing the best health care for every Filipino, Caritas Health Shield, in 2008 has come up with another innovative health care program called COMBI Plan. This exceptional product provides the member/planholder with the medical services of the Expanded Core Health Care Program combined with the pension benefits of the Caritas Fund Provider. Caritas Health Shield offers the member/planholder with financial security of a pension plan, the protection of its four-way insurance package and the versatility of its medical services package. Following is a summary list of its features and benefits:Ø Protection from any premium increases through a 5-year pay plan with a level premium for 5 years.Ø Double the Maximum Amount of Coverage per Year with a Maximum Daily Room Rate upon first installment for your medical benefits.Ø Guaranteed yearly increase in the Maximum Amount of Coverage per Year and Maximum Daily Room Rate.Ø Increasing Maximum Amount of Coverage per Year and Maximum Daily Room Rate for an additional period of five (5) years after the paying period (without paying additional installment).Ø Availability of your Pension Benefit with your choice from Lump Sum payment, Interest Payment plus Pension Benefit & Partial Withdrawal plus Interest settlement options on the 11th year.Ø Responsive Medical Expense Benefits Package composed of:ü Hospitalization Benefitsü Emergency Care andü Special Diagnostic and Laboratory Procedures (if procedure is outpatient, which you will avail at the Diagnostic Center designated by Caritas Health Shield)Ø All-inclusive Membership Privileges Package that you will avail at the Diagnostic Center designated by Caritas Health Shield composed of:ü Outpatient Servicesü Annual Physical Examinationü Preventive Health Careü Dental Care,ü Other Services, andØ A Four-way Comprehensive Insurance Package on the Caritas Fund ProviderØ Plus a host of additional features that includes among others:ü Coverage of Pre-existing Illnessü Provisions on transfer to another personü Grace Period andü Plan Termination Values or Pre-maturity benefit on the Caritas Fund ProviderØ At a very affordable cost to the member with his/her required Active Membership to the government’s Philhealth programMembership in Caritas Health Shield assures you of a nationwide, round-the-clock health protection made possible by a young and growing HMO Company owned and managed by eminent physicians and business professionals in consortium with a nationwide medical services networkof health care providers numbering more than 361 hospitals, 192 clinics and laboratories, 7,074 doctors and 472 dentists.It also makes available to you, accessible, convenient and customer friendly laboratory, diagnostic and medical services of our very own  nationwide network of over forty (40) clinics.Through the Caritas Expanded Health Care Program and the Caritas Fund Provider, you will be able to do more than just provide for your present health needs; you will be securing your future financial requirements as well.

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Synopsis: Devlin Fitzwilliam caught Meadow Szarvas red-handed, breaking into his mansion to steal a painting. In sheer desperation, she used a case of amnesia as her excuse. But then he pulled a fast one-and claimed she was his wife. Playing along was the only way for Meadow to get her hands on that painting. But what she doesn't realize is that Devlin has a hidden agenda too-and that someone's keeping an eye on them both. Format: Mass Market Paperback Condition: Good

Expanded CORE-10 Health Care Program The Expanded CORE-10 is a Health Care Progrm specially designed for employees and maybe paid by the enrolling member through Salary Savings Scheme (Salary Deduction). With its affordable cost, it makes available to the work force, the most comprehensive Health Care program in the industry that includes, among others, the following benefits and features:Ø Protects the company or employee from any premium increases through a 5-year pay plan with a level premium for 5 years.Ø Double the Maximum Amount of Coverage per Year with a Maximum Daily Room Rate upon first installment for the employees' medical benefits.Ø Guaranteed yearly increase in the Maximum Amount of Coverage per Year and Maximum Daily Room Rate.Ø Continue to enjoy the increasing Maximum Amount of Coverage per Year and Maximum Daily Room Rate for an additional period of five (5) years and after the paying period (without paying additional installment).Ø Responsive Medical Expense Benefits Package composed of:ü Hospitalization Benefitsü Emergency Care andü Special Diagnostic and Laboratory Procedures (if procedure is outpatient, which you will avail at the Diagnostic Center designated by Caritas Health Shield)Ø Your all-inclusive Membership Privileges Package that you will avail at the Diagnostic Center designated by Caritas Health Shield is composed of:ü Outpatient Servicesü Annual Physical Examinationü Preventive Health Careü Dental Care,ü Other Services, andØ Plus a host of additional features that includes among others:ü Coverage of Pre-existing Illnessü Provisions on transfer to another personü Grace Period andØ At a very affordable cost to the company or member with his/her required Active Membership to the government’s Philhealth programMembership in Caritas Health Shield assures you and your employees of a nationwide, round-the-clock health protection made possible by a young and growing HMO Company owned and managed by eminent physicians and business professionals in consortium with a nationwide medical services network of health care providers numbering more than 361 hospitals, 192 clinics and laboratories, 7,074 doctors and 472 dentists.It also makes available to you, accessible, convenient and customer friendly laboratory, diagnostic and medical services of our very own  nationwide network of over forty (40) clinics.Through the Caritas Expanded Core Health Care Program, you and your employees will be able to provide for their complete health care needs with guaranteed increasing health coverage and at a convenient affordable cost.

NOVA PLAN 20 is a twenty (20) years to mature pension plan payable in one or five years that provides you guaranteed Yearly Cash Benefits of five percent (5%) Net of the Pre-Need Price every year for 13 years starting on the 7th until the 19th plan anniversary and return of payment equivalent to one hundred percent (100%) of the Pre-Need Price upon Full Availment Date. Aside from high returns, you are protected with Credit Life, Total and Permanent Disability, Accidental Death and Dismemberment, and Term Life Insurance. Preparing for your future is never too early. If you desire to spend a more enjoyable and worry-free life in the future, this savings tool and capital-guaranteed pension plan best teaches you how. Nova Plan 20 definitely gives you value for money and aligns your financial priorities, affording you a brilliant start for the future. HOW DOES NOVA PLAN 20 BENEFIT YOU? ________________________________________ Use your money when you need it No need to wait until Full Availment Date to use the fruits of your hard-earned money. Enjoy your guaranteed Yearly Cash Benefits as early as your 7th plan anniversary for a total of 13 years before Full Availment Date. These funds are available for your use anytime. Protection for your family from the unexpected NOVA PLAN 20 provides comprehensive protection for you and your family when the unexpected happens. 1. Credit Life and Disability Benefits- Waiver of installments due to death or total and permanent disability during the paying period or before the age of 70, whichever comes first. 2. Term Life - The beneficiaries will get Term Life Insurance coverage equal to one hundred percent (100%) of the Pre-Need Price if and when the planholder dies due to natural causes during the paying or waiting period or before the age of 70, whichever comes first. 3. Accidental Death and Dismemberment - If the planholder dies during the paying period, the beneficiaries will get triple the coverage with one hundred percent (100%) of the Term Life Insurance coverage and two hundred percent (200%) of Accidental Death and Dismemberment coverage, plus the guaranteed Yearly Cash Benefits and return of payment/maturity benefit equivalent to one hundred sixty five percent (165%) of the Pre-Need Price on the 20th plan anniversary. Protect your money with Quick Paid-Up Benefit NOVA PLAN 20 is forfeit-free. It protects your money by providing a Quick Paid-Up Benefit if plan payments have not been completed. Quick Paid-Up Benefit will protect your savings if financial difficulties beyond your control happen. Minimum Annual Installment 1-pay: P50,000 / 5-pay: P20,000 Pay period 1 year / 5 years Payment modes Annual/Semi-Annual/Quarterly/Monthly Maturity Date* *Refers to the date when the plaholder will receive the Maturity Benefit or Return of Payment 7th plan anniversary Full Availment Date* *Refers to the date when the planholder will receive the Maturity Benefit or Return of Payment 20th plan anniversary

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