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aaaaaaaaaaXZVCXZVBXZZXCVBCXCVF / ASD,MM L004FApril 17, 2017

MR. MARK MARTINEZ

CCTV SUPREME
cctvmbm@gmail.com

Dear Ms. Mark,

Whether the economy is good or bad, one thing remains constant we all need healthy, productive
employees to help us grow our businesses. Truly, our employees are our best assets.

To ensure your employees medical needs are covered, Philam Life Corporate Solutions presents
Health Link - a comprehensive Group Medical Insurance plan that you, as their Employer, can avail of for
their benefit. This addresses the pressing need of employers to provide responsive medical insurance
coverage for their workforce, which can be customized according to your needs and budget using the
following available benefits:

BASIC BENEFITS
Basic Medical - Pays for Room & Board, Other Hospital Services, Surgical Fees and Doctors
Calls during confinement
Group Life Insurance - Provides life insurance protection anytime, anywhere and against any
cause of death except suicide on the first year of coverage
Accidental Death, Dismemberment & Disability Benefit - Provides additional benefits in case of
untimely loss of life or dismemberment due to accident
Total & Permanent Disability Income Benefit - Advances the life insurance benefit through a
monthly income in case of total and permanent disability

OPTIONAL BENEFITS
Outpatient Benefits - Pays for Outpatient Consultations and Diagnostics, X-Rays and
Laboratory Tests.
Annual Physical Exam - Covers the Basic 5 procedures: Physical Exam, Routine Urinalysis,
Routine Fecalysis, Chest X-Ray, CBC (Complete Blood Count)
Dental Benefits - Covers a specified list of dental services per year.
All the benefits above are subject to their respective maximum limits, also known Inner Limits, set in the
Schedule of Benefits.

Please note that Health Link benefits are paid on top of your PhilHealth benefits.
With Health Link, you and your employees can enjoy the following:
a. Flexibility. In terms of service availment, insured members can -
choose cashless access to medical services by using our partner, Medilinks, network of
doctors and hospitals, or
go to their preferred doctor or hospital outside Medilinks network, initially pay for these
services and have it reimbursed afterwards.
b. Comprehensive benefits. Health Link offers both health and protection benefits.
c. Convenience.
Easily avail of medical services from Medilink-accredited hospitals and doctors with Medilinks
card and swipe technology.

Get in touch with only one provider for life and health benefits Philam Life

By providing meaningful and value-laden medical benefits, you can earn your employees loyalty and
improve retention and productivity. Together, we can make a positive impact not only for your business
but also for your employees families.

The succeeding pages contain details on Health Links benefits and premiums. Should you have any
questions, please do not hesitate to reach the undersigned at 09778202712 or monge.janna@gmail.com
and we would be glad to discuss Health Link more with you.

We look forward to being your Employee Benefits partner.

Sincerely yours,

Janna Christina M. Monge

Licensed Executive Fianancial Advisor - MDRT
09778202712

Encl: Health Link proposal

A HEALTH LINK PROPOSAL
FOR

CCTV SUPREME
 A HEALTH LINK PACKAGE FOR
CCTV SUPREME
Corporate Solutions

I. SUMMARY OF BENEFITS

BASIC BENEFITS

1. BASIC MEDICAL/ INPATIENT

Covers employees expenses during confinement up to a maximum amount per any one
disability. Pays specific benefits for four (4) services:

A. Room & Board, maximum 45 days

Pays for the daily room charges, per the Benefit Schedule, as recommended by a
licensed physician
Includes food and general nursing services
Excludes items not originally in the room
Also covers cost of ICU room and board.

B. Other Hospital Services

Pays for any of the following services rendered during confinement, not to exceed the limits
set in the Benefit Schedule:
Drugs, medicines, intravenous infusions consumed on premises;
Central Supplies: Dressings, Ordinary Splints and Plaster Casts;
Laboratory examinations; X-ray examinations; ECGs, Basal metabolism tests
Ambulance to and from the house and hospital
Anesthesia and Oxygen and their administration
Includes the use of the Operating Room

C. Surgical Benefit
Pays for the surgery performed, as per the Benefit Schedule but not to exceed the Schedule
of Operations. Also pays for anesthesiologists fees.

D. Doctors Calls
Pays for the consultation fees charged for daily visits per the Benefit Schedule. 1 call per day.

Notes:
If there is an intervening period of at least 30 days between confinements, the
succeeding confinement will be considered a new disability and the Basic Medical
benefits will be refreshed.
Emergency cases will be charged to:
Basic Medical
Surgical Benefit if it requires surgery

All Basic Medical Benefits are payable up to subject to an Annual Benefit Limit (ABL).

2. GROUP LIFE INSURANCE

24-hour coverage against loss of life due to natural or accidental causes except suicide
on the first 12 months of coverage
Insurance protection without geographic limits
Maximum protection at the least cost

3. ACCIDENTAL DEATH, DISMEMBERMENT & DISABLEMENT (ADD&D)

A. ADD&D Benefits. In case of accidental death, dismemberment or disablement, Philam
Life will pay a percentage of the Principal Sum or amount of insurance according to the
schedule below:
 Loss of Life 100%
Accidental Dismemberment or Loss of Use of Limbs: Accidental Dismemberment or Loss of Use of Fingers
Both hands 100% All of one hand 50%
Both Feet 100% Thumb 15%
One hand and One foot 100% Index Finger 10%
One hand 50% Middle Finger 6%
One foot 50% Ring Finger 5%
Arm between elbow and wrist 60% Little Finger 4%
Arm at or above elbow 70%
Leg below knee 60% Loss of Use of Metacarpals
Leg at or above knee 70% (first or second) 3%
(third, fourth, fifth) 2%
Loss of sight Accidental Dismemberment or Loss of Use of Toes
Both eyes 100% All of One Foot 25%
One eye 50% Great Toe 5%
Loss of speech 100% Other than great, each toe 1%
Fractured leg or patella
Loss of hearing with established non-union 10%
Both ears 100% Shortening of the leg by at least 5 cm. 7.5%
One ear 50%

B. Accident Permanent Total Disability Benefit

A living benefit given in the form of monthly cash benefit to an insured who has been
totally and permanently disabled for 6 months due to accidental causes.
Pays a cash benefit equivalent to 3% of the Principal Sum (less any amount paid or
payable) starting on the 7th month up to 32 months, and 4% of the Principal sum on
the 33rd month.

C. Renewal Bonus
Increases the original Principal Sum for Accident Insurance (up to the first P800,000) of
the Insured by 5% each year for the first five (5) consecutive years, starting on the
second year.

D. Murder and Homicide

Pays 100% of the benefits payable but not exceeding P2,000,000 for injury due to
murder or any attempt thereof.
Pays 100% of the benefits payable for injury due to homicide or any attempt thereof
not occasioned by provocation of the Insured.

E. Flying Coverage
Pays a benefit if the Insured suffers an injury while a passenger boarding or alighting
from a certified passenger aircraft provided by a commercial airline on any regular,
scheduled or non-scheduled, special or chartered flight and operated by a properly
certified pilot flying between duly established and maintained airports over an established
passenger route.

4. TOTAL AND PERMANENT DISABILITY INCOME BENEFIT

A living benefit given in the form of a monthly pension to an Insured who has been totally
and permanently disabled due to natural or accidental causes.
Advances 100% of group life, payable on a monthly basis equivalent to P21.00 per 1,000
of life insurance.
A meaningful benefit that manifests an organizations continuing concern for an Insured
who has to be terminated due to total and permanent disability.

Page 2

OPTIONAL BENEFITS

1. OUTPATIENT BENEFITS
 Refers to all the medical services provided to an Insured without need for in-hospital confinement
which include:
a. General Physician/Specialist Consultations 1 consult per day, maximum of 20
consults per year
b. Treatment in clinic, during consultation e.g. bandaging of minor wounds
c. Diagnostics, X-Rays and Laboratory Tests recommended by a physician for the
diagnosis of a sickness or injury, subject to a maximum annual limit

The above are subject to their respective Maximum Limits set in the Benefit
Schedule.

2. ANNUAL PHYSICAL EXAM. Requires a minimum of 50 enrolled regular employees.

Available only in APE clinics within the Medilink network. Not reimbursable if done elsewhere.

Covers the Basic 5 procedures:

a. Physical Exam
b. Urinalysis
c. Fecalysis
d. Chest X-Ray
e. CBC (Complete Blood Count)

APEs for pre-employment purposes are excluded.

3. DENTAL BENEFITS
Dental procedures are only available in Maxicares Dental Hub. Not reimbursable if done
elsewhere.

Dental Procedures Covered Limit

Annual dental exam and consultation Covered
Emergency outpatient dental Treatment Covered
Oral prophylaxis Covered 2x a year
Simple tooth extractions Covered
Restorative and prosthodontic treatment planning Covered
Temporary fillings Unlimited
Desensitization of hypersensitive teeth Up to 2 teeth
Simple adjustment and repair of dentures Covered
Re-cementation of loose crowns, bridges, inlays
Covered
& onlays
Dental nutrition and dietary counseling Covered
Dental health education Covered
Palliative treatment for simple mouth sores and blisters Covered
Open incision and drainage (intraoral) Covered
Pre-natal check of teeth and gums Covered
Temporo Mandibular Joint consultation (Initial consult only) Covered
Gum treatment for cases like inflammation or bleeding Covered

The final Interpretation of any specific provision or its applicability is subject to the provisions of the Master Policy
issued by the Philippine American Life & General Insurance Company, as accepted by the Assured Company.

Page 3
II. SCHEDULE OF BENEFITS
Figures in Philippine Peso

BENEFIT OPTIONS
BASIC BENEFITS Plan Plan Plan Plan Plan
500 750 1000 1250 1500
BASIC MEDICAL/INPATIENT (IP) per any one
disability*
Room and Board one/day, max 45 days 500 750 1,000 1,250 1,500
Other Hospital Services 10,000 15,000 20,000 25,000 30,000
Surgical Benefit subject to the Schedule of
15,000 22,500 30,000 37,500 45,000
Operations
Doctors Calls one call/day, max 45 calls 500 750 1,000 1,250 1,500
Annual Benefit Limit 150,000 225,000 300,000 375,000 450,000
GROUP LIFE INSURANCE (GL) 50,000 75,000 100,000 125,000 150,000
ACCIDENTAL DEATH, DISMEMBERMENT &
50,000 75,000 100,000 125,000 150,000
DISABILITY (ADD&D) BENEFIT
TOTAL & PERMANENT DISABILITY INCOME
50,000 75,000 100,000 125,000 150,000
BENEFIT (TPDIB)**
Plan Plan Plan Plan Plan
OPTIONAL BENEFITS
500 750 1000 1250 1500
OUTPATIENT BENEFITS (OP)
Consultations one consult/day, max 20
300 350 400 450 500
consults/year
Treatment in clinic, during consult, max 20/year 200 400 600 800 1,000
Diagnostic, X-rays, Lab max amount/year 6,000 9,000 12,000 15,000 18,000
Basic 5 tests
ANNUAL PHYSICAL EXAM (APE)*** 1) Routine exam 4) Chest x-ray
Requires a minimum of 50 enrolled employees 2) Urinalysis 5) Complete blood
3) Fecalysis count (CBC)
DENTAL BENEFITS*** Pls. refer to list of covered dental procedures

* Any One Disability shall mean all disabilities arising from the same cause including any and all
complications therefrom, as well as concurrent disabilities from different causes during the same hospital
confinement or confinements. However, if there is an intervening period of 30 days following the latest
discharge from hospital or the last treatment date, whichever is later, subsequent disability from the same
cause shall be treated as a new disability.
**TPDIB is not available for Dependent Children/Siblings.
*** APE and Dental Benefits are not available for Dependents.

Page 4
III. PREMIUMS
ANNUAL PREMIUMS PER HEAD (METRO MANILA)
Plan Plan Plan Plan Plan
PRINCIPALS
500 750 1000 1250 1500
Basic Benefits only (IP + GL + ADD&D + TPDIB) 2,292 3,097 3,903 4,708 5,517
Basic Benefits + OP 5,492 7,436 9,380 11,323 13,270
Basic Benefits + OP + APE 6,015 7,959 9,903 11,846 13,793
Basic Benefits + OP + Dental 5,863 7,807 9,751 11,694 13,641
Basic Benefits + OP + APE + Dental 6,386 8,330 10,274 12,217 14,164
Basic Benefits + APE 2,815 3,620 4,426 5,231 6,040
Basic Benefits + Dental 2,663 3,468 4,274 5,079 5,888
Basic Benefits + APE + Dental 3,186 3,991 4,797 5,602 6,411
Plan Plan Plan Plan Plan
EACH DEPENDENT
500 750 1000 1250 1500
Basic Benefits only (IP + GL + ADD&D + TPDIB)* 2,653 3,639 4,625 5,612 6,601
Basic Benefits + OP 6,653 9,062 11,471 13,881 16,293
*TPDIB is not available for Dependent Children/Siblings

NOTES:
A. General Guidelines
1. Premiums
a) Premiums are inclusive of the government-mandated Premium Tax and Documentary
Stamp Taxes.
b) Premiums are applicable for groups with 1) mandatory employee coverage only and
2) voluntary enrollment with at least 75% participation. If less than 75%, an escalation
factor will be applied to these premiums.

2. Eligible Principal Insureds: Regular, full-time, and actively-at-work employees, ages 18 -64.
Coverage terminates on the Employees 65th birthday.

3. Eligible Dependents
a) Of Married Employees
1) Legal spouse - Age 18 to 64, terminates at age 65, in good health and actively
performing the daily normal chores of life.
2) Dependent child/ren - Single, unemployed, in good health and actively performing
daily normal chores of life, age 15 days to 21 years old, terminates at age 22 enrolled
from oldest to youngest (hierarchy rule)

b) Of Single Employees
1) Parents up to 64 years old, terminates at age 65 in good health and actively
performing the daily normal chores of life.
2) Siblings Single, unemployed, in good health and actively performing daily normal
chores of life, age 15 days to 21 years old, terminates age 22, enrolled from oldest to
youngest (hierarchy rule)

b) Of Single Parent Employees

1) Dependent child/ren - Single, unemployed, in good health and actively performing
daily normal chores of life; age 15 days to 21 years old, terminates at age 22 enrolled
from oldest to youngest (hierarchy rule)
2) Parents up to 64 years old, terminates at age 65 in good health and actively
performing daily normal chores of life.
Page 5
 4. Participation requirements
a) Employees at least 75% participation
b) Dependents Minimum participation requirement for enrollment of dependents is 75% of
principals computed as:

5. General Exclusions
a) Pre-Existing Conditions for which the Member received medical treatment, diagnosis,
consultation or prescribed drugs during the ninety (90) days preceding the effective date
of his coverage, unless the Member affected by these conditions has been insured under
the Policy continuously for twelve (12) months, subject to conditions specified in the
Policy Schedule.

Pre-existing conditions are defined as illnesses or conditions that, prior to the Effective
date of members coverage:
a) any professional advice or treatment was given for such illness or condition;
b) such illness or condition was in any way evident to the Member, or
c) the development of such illness or condition started whether or not the Member is
aware of such illness or condition.

b) Investigation and treatment relating to pregnancy.

c) Conditions related to sexually transmitted diseases, AIDS and AIDS Related Complex.
d) Alternative therapies such as (but not limited to) Acupuncture, Acupressure, Chiropractic,
Reflexology, etc.
e) Outpatient prescribed medicines, Vitamins/Supplements, etc.
f) Treatment of injuries/illnesses caused directly or indirectly by engaging in any extreme
and professional sports except for activities under company-sponsored sports activities.
g) Infectious diseases (i.e. Avian Flu, Meningococcemia, etc.) that are declared epidemic or
pandemic by the Department of Health, World Health Organization or any recognized
health authority.

The complete list of exclusions is stated in the Group Master Policy as issued to the Assured Company.

B. ADD&D Guidelines
1. Exclusions - Any loss or expense caused by or resulting from the following will not be paid:
a) Suicide
b) War, Invasion or Act of Foreign Enemy
c) Service in the Armed Forces of any country or international authority whether in peace or war.

C. Value Added Services

1. Intl.SOS Emergency International Travel & Medical Assistance
a) Telephone Medical Advice when travelling
b) Medical Service Provider Referral
c) Arrangement of Emergency Medical Evacuation
d) Arrangement of Emergency Medical Repatriation
e) Arrangement of Repatriation of Mortal Remains
f) Product & Claims Information Services

2. E-Benefits Portal
eBenefits is a FREE web application designed exclusively for Philam Life Corporate
Solutions clients and partners to support employee benefits administration.
The following functions can be accessed thru the portal:
Access to Forms (Policy Movement Forms, Claims Forms)
Policy Level Inquiries
Page 6
 Member Level Inquiries
On-Line Transactions such as:
Member Listing Download
Bill Inquiry and Download
Member Updates (additions and deletions)
Beneficiary Updates

Philam Life reserves the right to withdraw or modify the proposal should there be any material change in the
underwriting assumptions such as the nature of business, number of lives, etc.

Page 7
 CLIENTS ACCEPTANCE

I have read the Health Link benefits, premiums and guidelines as stated in this proposal. As the
authorized representative of my organization, this confirms that we are accepting the following Health Link
plan/s:

Employee Principal Employees Coverage Dependents' Coverage

Level
(e.g. R&F, Mgr, Benefit Plan Selected Benefit Plan Selected
All Employees) (e.g. Basic + OP) (e.g Plan 1000) (e.g. Basic + OP) (e.g Plan 1000)

Effective date of coverage:

Accepted by:

________________________ ________________________
Date signed
Signature over Printed Name

Health Link (Metro Manila)

Page 8
The Philippine American Life and General Insurance Company (Philam Life) is the countrys premier life
insurance company. Established on June 21, 1947, Philam Life has earned the trust of customers for its
financial strength, strong brand name, and ability to deliver on its promises.

Philam Life has P226.8 billion in total assets as of December 31, 2014 and has delivered timely pay outs
of over P9 billion in education benefits (2004-2014) and over P118 billion in insurance benefits (1950-
2014), while serving over 600,000 individual policyholders and over 1,700,000 insured group members.

Philam Life understands the real-life needs of its customers and provides the right plans and the right
solutions including life protection, health insurance, savings, education, retirement, investment, group and
credit life insurance. It also offers bancassurance and fund management products and services through
its subsidiariesBPI Philam Life Assurance Company (BPI-Philam) and Philam Asset Management Inc.
(PAMI).

Philam Life is a member of AIA Group Limited, the largest independent publicly listed pan-Asian life
insurance group.

AIA Group Limited and its subsidiaries (collectively AIA or the Group) comprise the largest
independent publicly listed pan-Asian life insurance group. It has a presence in 18 markets in Asia-Pacific
wholly-owned branches and subsidiaries in Hong Kong, Thailand, Singapore, Malaysia, China, Korea,
the Philippines, Australia, Indonesia, Taiwan, Vietnam, New Zealand, Macau, Brunei, a 97 per cent
subsidiary in Sri Lanka, a 26 per cent joint venture in India and representative offices in Myanmar and
Cambodia.

The business that is now AIA was first established in Shanghai over 90 years ago. It is a market leader in
the Asia-Pacific region (ex-Japan) based on life insurance premiums and holds leading positions across
the majority of its markets. It had total assets of US$167 billion as of 30 November 2014.

AIA meets the long-term savings and protection needs of individuals by offering a range of products and
services including life insurance, accident and health insurance and savings plans. The Group also
provides employee benefits, credit life and pension services to corporate clients. Through an extensive
network of agents, partners and employees across Asia-Pacific, AIA serves the holders of more than 28
million individual policies and over 16 million participating members of group insurance schemes.

AIA Group Limited is listed on the Main Board of The Stock Exchange of Hong Kong Limited under the
stock code 1299 with American Depositary Receipts (Level 1) traded on the over-the-counter market
(ticker symbol: AAGIY).