EMPLOYEE HEALTHCARE PROGRAM

www.marinebenefits.no
 EXPECT MORE

SCHEDULE OF BENEFITS

Copyright © 2019 by Marine Benefits, Inc.

All rights reserved. No part of this publication

may be reproduced or transmitted in any form
by any means, including photocopying and
recording, or by any information storage and
retrieval system.

Marine Benefits, Inc.

29/F, Pacific Star Building,
Sen. Gil Puyat Ave, Cor. Makati Ave,
Makati City, 1209.
Philippines

www.marinebenefits.no

Printed in the Republic of the Philippines

/ 2 /
 EXPECT MORE

TA B L E O F C O N T E N T S

GENERAL INFORMATION 4

TWO WAYS TO AVAIL 5

REGISTRATION GUIDE 6-7

POCKET ASSISTANT MBAS MOBILE APP 8-9

WHAT IS COVERED UNDER THE PLAN 10-11

REIMBURSEMENT GUIDE 12-13

COUNTRY CONTACT DETAILS 14-17

DEFINITION OF TERMS 18-22

KNOW YOUR HEALTH METRICS 23-27

/ 3 /
EXPECT MORE

WELCOME TO
MARINE BENEFITS
C O N G R AT U L AT I O N S !

Your employer has provided you with a private medical insurance. The plan provides
for a comprehensive medical coverage.

There are two ways on how to avail the medical services. First, the cashless proce-
dure which can be availed by calling the local phone number indicated on the country
contact details page. Kindly note that all hospital visits should be arranged prior to
visiting the medical facility to avoid denial of services. Second, the reimbursement
procedure (pay and claim basis) on direct claims/reimbursement. Both procedures
are explained in the booklet.

We encourage you to download our Pocket Assistant -- Marine Benefits mobile app
which is available in both Google Play and the App Store. Members can easily gen-
erate their digital membership card and avail of their medical benefits even in the
absence of the physical card. Aside from that, members can also access the list of
hospitals available in their location.

All insurance companies globally are now mandated by law that their members give
their active consent. Marine Benefits is compliant with GDPR requirements in stor-
ing and handling your personal data. This can either be be done via our website and
mobile app. We encourage you to do so as this will give you the best medical support
possible.

Kindly read through the full content of this booklet including the Schedule of Benefits
to fully enjoy your medical coverage. A step-by-step guideline for how to register, is
provided on page 6 and 7.

Thank you,
Marine Benefits

/ 4 /
 EXPECT MORE

T W O WAY S T O
AVA I L S E R V I C E

CASHLESS REIMBURSEMENT
PROCEDURE PROCEDURE

Member calls Member calls Marine Benefits 24/7

Marine Benefits 24/7 Country Country Hotline Number before
Hotline Number to arrange for going to the hospital
hospital visit.

Marine Benefits will confirm coverage.

Member settles the bill after
receiving treatment.
Member gets approval /
Letter of Authorization.
Member logs-in to
www.marinebenefits.no
Member goes in for treatment. and submits reimbursement claim
online.

Member waits within 15 working

Marine Benefits settles the bill.
days for reimbursement completion.

/ 5 /
EXPECT MORE

WEBSITE
R E G I S T R AT I O N G U I D E

STEP 1
Go to www.marinebenefits.no and click on REGISTER.

STEP 2
Fill in all required and correct information.

STEP 3
To continue with the registration process, member must read and agree to the
Marine Benefits Data Privacy Policy.

Note:
All insurance companies are mandated by law to get your active consent. Marine
Benefits is compliant with GDPR requirements in storing and handling your person-
al data. Before clicking on the REGISTER button, it is highly important that you have
read and fully understood our Data Privacy Policy.

STEP 4
When registration & authentication is done, member may now log-in with
their credentials and proceed to the member portal.

/ 6 /
 EXPECT MORE

MOBILE
R E G I S T R AT I O N G U I D E

STEP 1
Download the MARINE BENEFITS app available on the App Store and on
Google Play.

STEP 2
Open the mobile app and register by using your MBAS ID number and
assign your password.

Your username is your MBAS ID.

STEP 3
To continue with the registration process, member must read and agree to the
Marine Benefits Data Privacy Policy.

Note:
All insurance companies are mandated by law to get your active consent. Marine
Benefits is compliant with GDPR requirements in storing and handling your person-
al data. Before clicking on the REGISTER button, it is highly important that you have
read and fully understood our Data Privacy Policy.

STEP 4
When registration & authentication is done, member may now log-in with
their credentials and proceed to the mobile app dashboard.

/ 7 /
EXPECT MORE

P O C K E T A S S I S TA N T
MARINE BENEFITS MOBILE APP

In the spirit of simplifying and securing the

life of our members, Marine Benefits has de-
veloped a Pocket Assistant, that takes care of
your daily requirements, digitally.
As soon as you & your family are enrolled, the
welcome package is at your fingertips, ready to
avail in 18 different maritime languages, both
for IOS and Android.
GDPR requirements are of course already
embedded into the application.
Download it & Try it.

SEARCH : MARINE BENEFITS

in the works

DIGITAL
MEMBERSHIP CARD

/ 8 /
 EXPECT MORE

C O N TA C T S
List of available healthcare providers based in your country of residence including
MBAS hotline number.

POLICY
Check the following information for Membership, Insurance certificate, Booklet,
SOB and Availment Procedure.
CLAIMS [LIMITED ACCESS]
Submit claims reimbursement and check all previous claims.
A C C R E D I T E D H O S P I TA L S
Find accredited hospitals and check their website and contact information.

HEALTH TIPS
Healthy tips and personalized health information.

IN THE WORKS
New and exciting content coming soon.

hospital
claims search

policy health tips

POCKET
ASSISTANT

contacts faqworks
in the

Marine Benefits Pocket Assistant app is compliant with the Data Protection Notice, General Data Protection Regulation (GDPR), / 9 /
and R.A. 10173 for the Philippines. Some functionalities may not be available during the pilot run of the app such as the claims module.
EXPECT MORE

W H AT I S C O V E R E D
UNDER THE PLAN?
ROOM ACCOMMODATION
Semi-private hospital room and board charges, not exceeding the usual or
customary charge for such accommodation.

SURGICAL PROCEDURES
wherever they may be performed (inpatient/outpatient), including any required
second opinion.

CONSULTATION OR TREATMENT
by a physician for sickness or injury.

MEDICALLY NECESSARY NURSING CARE

for up to 6 months by a licensed resident or daily nurse employed by an
approved medical services provider and who is not an immediate family member.

ANESTHESIA
as part of a surgical, obstetric, or other medically necessary procedure.

RADIATION THERAPY
for benign or malignant conditions, including charges for X-rays, radium and
radioactive isotopes, and nuclear medicine procedures.

INPATIENT HOSPITAL TREATMENT

for sickness or injury.

OUTPATIENT TREATMENT
for sickness or injury.

MATERNITY SERVICES
for prenatal care, delivery, postnatal treatment, and routine care of a healthy
new-born infant during the initial confinement.

/ 10 /
 EXPECT MORE

PRESCRIPTION DRUGS, DRESSINGS, OR USE OF SURGICAL OR

MEDICAL APPLIANCES
that are medically necessary and prescribed by a physician while the insured person
is an inpatient of an approved facility only.

SERVICES AND SUPPLIES PROVIDED IN CONNECTION WITH A

COVERED TRANSPLANT PROCEDURE

EMERGENCY TRANSPORTATION
by local road ambulance to the nearest available suitable hospital when
necessitated by life-threatening conditions.

AT Y O U R S E R V I C E

79 COUNTRIES
29 LANGUAGES

+360,000 DOC TO R S
+ 5 0 0 , 0 0 0 D O C T O R S E AT S

+60,000 MEDICAL FACILITIES

/ 11 /
EXPECT MORE

REIMBURSEMENT VIA
M E M B E R P O R TA L

STEP 1
Go to www.marinebenefits.no and select MEMBER PORTAL.

STEP 2
Log in with your credentials as you provided when you registered your
account.

STEP 3
To secure your data, an authentication process may be required.

STEP 4
When authentication is done; please proceed to your dashboard.

STEP 5
Select MY CLAIMS.

STEP 6
Fill in all necessary and required information.

STEP 7
In case all information is correct and it is within the scope of your plan, you
will have the money within 15 working days.

/ 12 /
 EXPECT MORE

REIMBURSEMENT VIA
MOBILE APP
LIMITED ACCESS

STEP 1
Download the Marine Benefits mobile app.

STEP 2
Open the mobile app and register by using your MBAS ID number and
assign your password.

Your username is your MBAS ID.

STEP 3
To secure your data, an authentication process may be required.

STEP 4
When authentication is done; please proceed to your dashboard.

STEP 5
Select CLAIMS.

STEP 6
Fill in all necessary and required information.

STEP 7
In case all information is correct and it is within the scope of your plan, you
will have the money within 15 working days.

/ 13 /
EXPECT MORE

COUNTRY
C O N TA C T D E TA I L S
COUNTRY HOTLINE NUMBER E-MAIL

+244225000003
ANGOLA mbasmanila@marinebenefits.no
+63 2 7534442*

AUSTRALIA +61291919712 mbasmanila@marinebenefits.no

operator@ap-companies.com/
BANGLADESH +8801787664488 info@ap-companies.com /
travelhealth@paramount.healthcare

operator@ap-companies.com/
BELARUS +74 951 252 693
info@ap-companies.com

BELGIUM 31 (85) 0090511 mbasmanila@marinebenefits.no

BOSNIA AND operator@ap-companies.com/

+38521770715
HERZEGOVINA info@ap-companies.com

BRAZIL +551331135308 mbasmanila@marinebenefits.no

operator@ap-companies.com/
BULGARIA +35952919518
info@ap-companies.com

CANADA +16042484828 mbasmanila@marinebenefits.no

CAMEROON +63 2 7534442* mbasmanila@marinebenefits.no

operator@ap-companies.com/
CROATIA +38521770716
info@ap-companies.com

CYPRUS +357-22-030145 mbasmanila@marinebenefits.no

operator@ap-companies.com/
CZECH REPUBLIC 420 234 09 3802
info@ap-companies.com

DENMARK +4578772154 mbasmanila@marinebenefits.no

DOMINICAN
+18292343416 mbasmanila@marinebenefits.no
REPUBLIC

/ 14 /
 EXPECT MORE

operator@ap-companies.com/
ESTONIA +3726681352
info@ap-companies.com

FRANCE 31 (85) 0090511 (Netherland) mbasmanila@marinebenefits.no

operator@ap-companies.com/
GEORGIA +995322470286
info@ap-companies.com

GERMANY +4578772154 mbasmanila@marinebenefits.no

+91 22 4000 4228 / 40004219

travelhealth@paramount.healthcare
(Paramount)
INDIA
(022) 30657331 / 66660980
nurseline.mumbai@uhcindia.com
(UHCI)

+(62) 803 321 8042 /

helpline@aainternational.co.id
+(62) 21 2927 9639
INDONESIA
dhina.razak@wiratirta.com /
Specific group : +6281 286 020 600
dhina.razak@gmail.com

IRELAND +442033937316 mbasmanila@marinebenefits.no

ITALY +390699268232 mbasmanila@marinebenefits.no

JAPAN +63 2 7534442* mbasmanila@marinebenefits.no

JORDAN +63 2 7534442* mbasmanila@marinebenefits.no

operator@ap-companies.com/
LATVIA +37167661079; 37167869798
info@ap-companies.com

operator@ap-companies.com/
LITHUANIA +37052058984
info@ap-companies.com

+601 800 818 694

Mediclinic@asia-assistance.com
Toll-free number Malaysia only
MALAYSIA
Specific Group : +603 2089 3818 cpmd_callcentre@compumed.com.my

MAURITIUS +63 2 7534442* mbasmanila@marinebenefits.no

MEXICO +52-55-41708028 mbasmanila@marinebenefits.no

* Starting March 18, 2019 you may reach us at: +(63) 2 7 753 4442 +(63) 2 7 753 4443 (Fax)

/ 15 /
EXPECT MORE

operator@ap-companies.com/
MONTENEGRO +38521770715
info@ap-companies.com

haung07@gmail.com
+95 -1-558276; +959 5115903 (HLA)
sanda.eagle@gmail.com
MYANMAR
operator@ap-companies.com/
+95 9778879395 (AP)
info@ap-companies.com

NETHERLANDS +31850090511 mbasmanila@marinebenefits.no

NEW ZEALAND +6492824893 mbasmanila@marinebenefits.no

NIGERIA +63 2 7534442* mbasmanila@marinebenefits.no

NORWAY +4721930549 mbasmanila@marinebenefits.no

PAKISTAN +922138799847 mbasmanila@marinebenefits.no

PERU +5116419129 mbasmanila@marinebenefits.no

PHILIPPINES +63 2 7534442* mbasmanila@marinebenefits.no

operator@ap-companies.com/
POLAND +48918851063
info@ap-companies.com

PORTUGAL +34911877633; +48588826626 mbasmanila@marinebenefits.no

operator@ap-companies.com/
ROMANIA +40215398142
info@ap-companies.com

operator@ap-companies.com/
RUSSIA +74951252693
info@ap-companies.com

operator@ap-companies.com/
SERBIA +38521770715
info@ap-companies.com

operator@ap-companies.com/
SEYCHELLES +34 931 702 286
info@ap-companies.com

SINGAPORE +63 2 7534442* mbasmanila@marinebenefits.no

operator@ap-companies.com/
SLOVAKIA +421220510384
info@ap-companies.com

SOUTH AFRICA +27213001892 mbasmanila@marinebenefits.no

/ 16 /
 EXPECT MORE

SPAIN +34911877633 mbasmanila@marinebenefits.no

SRI LANKA +94767205340; +94415632363 info@medassist.lk

SWEDEN +46812111119 mbasmanila@marinebenefits.no

THAILAND +63 2 7534442* mbasmanila@marinebenefits.no

TURKEY +390699268232 mbasmanila@marinebenefits.no

+380443610547 (AP Kiev, Ukraine)

operator@ap-companies.com/
UKRAINE +380482399605 (AP Odessa, Ukraine)
info@ap-companies.com
+380487737898 (AP Odessa)

UNITED KINGDOM +442033937316 mbasmanila@marinebenefits.no

UNITED STATES 1-786-5159729 mbasmanila@marinebenefits.no

VIETNAM +84 24 4458 2153 mbasmanila@marinebenefits.no

NOTE:
Countries not in the list, please call +632 753 4442. You will be handled by English speaking representatives.

* Starting March 18, 2019 you may reach us at: +(63) 2 7 753 4442 +(63) 2 7 753 4443 (Fax)

/ 17 /
EXPECT MORE

DEFINITION OF TERMS
APPROVED FACILITY
means a medical service provider (Hospital, Clinic, Institution, Physician or Special-
ist) that has been approved and contracted by the Underwriters or their designated
representatives, or has been approved by the Underwriters or their designated
representatives prior to admission or treatment of the insured person.

APPROVED NETWORK
means a member of a network of healthcare providers or approved facilities such
as hospitals and physicians contracted to Underwriters through the Assistance
Company.

CHARGE
means the usual and customary fees incurred for a service or item provided in the
geographical area under similar or comparable circumstances, as determined solely
by Underwriters. Charges for hospital or confinements are incurred on the date of
admission. All others are incurred on the date the service or item is received.

CLINIC
means a licensed medical facility devoted to the diagnosis and care of outpatients,
and which:

• provides, as its chief function, diagnostic and therapeutic services and care of
injured or sick persons.
• has a professional staff of one or more licensed Physicians and surgeons to
provide or supervise its services at all times.
• is operated in accordance with the laws of the jurisdiction in which it is located
• is legally licensed as a medical or surgical hospital in the country in which it is
located.

A clinic cannot be a health resort, spa or sanatorium.

/ 18 /
 EXPECT MORE

COUNTRY OF RESIDENCE
means the country in which the insured person normally resides as set forth on the
schedule provided by the Assured.

COVERAGE PERIOD
means the period that begins on the effective date and continues for as long as the
premium is paid and accepted by Underwriters or the expiry date, whichever first
occurs.

COVERED TRANSPLANT
means a transplant involving the heart, heart/ lung, kidney, kidney/pancreas, liver or
allogeneic and autologous bone marrow.

DEDUCTIBLE
means the amount of charges which must be borne by the insured person in respect
of each claim.

DEPENDENT CHILDREN
means the primary insured person’s unmarried child residing at the domicile of the
primary insured person or eligible spouse.

HOSPITAL
means an institution or an approved facility which:

• provides 24-hour continuous service to confined patients,

• provides, as its chief function, diagnostic and therapeutic services and care of
injured or sick persons,
• has a professional staff of one or more licensed Physicians and surgeons to provide
or supervise its services at all times,
• provides general hospital and major surgical facilities and services either;
(1) on its own premises, or (2) in a facility available to it on a pre-arranged basis.
• provides 24-hour nursing services by or under the supervision of a registered gra-
duate nurse on a regular and continuous basis,
• is operated in accordance with the laws of the jurisdiction in which it is located,

/ 19 /
EXPECT MORE

• is legally licensed as a medical or surgical hospital in the country in which it is

located.

A hospital cannot be:

• a convalescent or extended care facility unit within or affiliated with the hospital,
• a nursing, rest or convalescent home, or extended care facility,
• an institution operated mainly for care of the aged.
• a health resort, spa or sanatorium.

INITIAL VISIT
means the first visit by an insured person to a Physician, hospital or clinic for a ge-
neral consultation during the period of insurance.

INPATIENT (HOSPITALIZATION)
means medically necessary services provided to an insured person, who is a re-
gistered patient in an approved facility, to treat sickness or injury and any condition
requiring treatment and/or observation beyond what would normally be expected to
be received at an outpatient facility.

LIFE THREATENING CONDITION

means a health condition involving a serious, extreme or life threatening sickness,
injury, impairment or condition that without immediate medical treatment could put
the insured person’s life at risk. This definition is extended to include the immediate
medical treatment of severe injuries following an accident.

MEDICALLY NECESSARY/MEDICAL NECESSITY

means services or supplies provided by a hospital, Physician or other providers
which are required to identify and treat a sickness or injury and which, as deter-
mined by Underwriters, are

• consistent with the symptom or diagnosis and treatment of the patient’s condition,
disease, ailment or injury,
• appropriate with regard to local standards of acceptable medical practice,
• not solely for the convenience of the assured/insured person, the Physician, the
hospital, or other providers, and

/ 20 /
 EXPECT MORE

• the most appropriate supply or level of service which can safely be provided to the
patient.

MENTAL DISORDER
means a disease commonly understood to be a mental disorder whether or not it
has a physiological or organic basis and for which treatment is generally provided by
or under the direction of a mental health professional such a psychiatrist, a psychol-
ogist or a psychiatric social worker.

A mental disorder includes but is not limited to:

• Schizophrenia
• Bipolar disorder
• Pervasive Mental Development Disorder (Autism)
• Panic disorder
• Major depressive disorder
• Psychotic depression
• Obsessive compulsive disorder

OUTPATIENT SERVICES
means medically necessary services provided to an insured person, who is not a
registered patient in a hospital, to treat sickness or injury. Outpatient services shall
include, but are not limited to:

• diagnostic and evaluation services

• outpatient care and treatment, pre-care, aftercare, emergency care, rehabilitation
and habilitation and supportive transitional services,
• professional consultation.

PER CAUSE
means each separate sickness or injury or each separate medical diagnosis.

PRE-EXISTING MEDICAL CONDITION

means any sickness or injury:

• for which the insured person is already receiving medical care or treatment

/ 21 /
EXPECT MORE

(including prescription drugs) on the effective date, or

• that has been diagnosed but for which the insured person has not started to re-
ceive treatment on the effective date, or
• that would have induced a rational person to seek medical care or treatment.

PRESCRIPTION DRUGS
are medications whose sale and use are legally restricted to the order of a Physician
and which can only be obtained with a Physician’s written prescription.

ROUTINE EXAMINATION
is a medical examination given by a Physician for a reason other than to diagnose or
treat a suspected or identified injury or disease. Included as part of the examination
are X-rays, laboratory and other tests given in connection with the examination.

SPOUSE
means a person who is the primary insured’s legal wife or husband. Where used it
can also mean cohabiter, being a person who:

• is enrolled by name as a member through the usual approval process by the

employer, and they have been entered on the schedule of insured persons by the as-
sured and the appropriate premium has been paid, and has resided at the domicile
of the primary insured person continuously for the prior 365 days.

A primary insured may have one legal wife covered under the policy.

USUAL AND CUSTOMARY

means the reasonable, usual and customary Charges in the geographic area in
which such charges were incurred. At no time will the policy pay any amount higher
than the usual and customary rates for a specific geographic area.

/ 22 /
 EXPECT MORE

THE EQUATION FOR A

HEALTHIER LIFE
Living a healthier life isn’t rocket science, and the equation is rather simple in theory.
It is all about; EAT + MOVE + SLEEP + POSITIVE RELATIONS.

Practicing and balancing these principles is of course no guarantee for a healthier

and better life, but the probability is at least much higher. Whatever you do is a
matter of choices, and everything you do is either a net gain or a net loss.

+ + +
EAT MOVE SLEEP POSITIVE RELATIONS

Eat according to your
calorie needs (TDEE*)
Have a balanced
diet of proteins,
carbohydrates &
vegetables.
Keep the pH /
acidic level close to 7.
To t a l Da i l y Ene rgy
E x p e n d iture [ TDEE]
Do exercise Eat smart and light in Develop a more
for your: the evening. positive & healthy
relations in all areas
• heart Release body and of your life.
• muscles mental tension before
• flexibility hitting the bed. Don’t look at yourself
Don’t go to bed whilst as a victim, but as
Be outside and get you’re still angry. fortunate and blessed.
some sun.
Stretch lightly and Smile and laugh often.
breathe properly.

Count your calories.
Mindful eating.
Eat slower.
[20 minutes per meal]
Minimize processed
food.
Count your steps. Count your hours of There is nothing more
sleep. dangerous than having
Do at least 30 minutes poor relationships at
of brisk walking per Get 6 to 8 hours of home or at work when
day. sleep per night. it comes to your health
and finances.
Do some minutes of Sleep is a
daily strength wonderful medicine Be a proper role model
exercises, with or and a fabulous healer at the vessels or at
without weights. of body pain. home.

You will be the winner

at all aspects.

/ 23 /
EXPECT MORE

BMR & TDEE

YO U R B M R

BMR (MALE) = [ 10 X W E I G H T KG
] + [ 6 .25 X HEIGHT CM
] - [ 5 X ( AG E I N Y E A R S
+ 5) ] = BMR

BMR (FEMALE) = [ 10 X W E I G H T KG
] + [ 6 .2 5 X HEIGHT CM
] - [ 5 X ( AG E I N Y E A R S
- 1 61 ) ] = BMR

BMR = A m ou nt of ca l o r i e s n e e d e d j u s t to ge t th e b o d y wo rking.
To get yo ur tot a l da i l y ne e d o f ca l o ri e s , yo u n e e d to a d j u s t t he BMR to an act ivity factor.

ACTIVITY LEVEL DESCRIPTION ACTIVITY FACTOR TDEE

Sedentary Little or no exercise / desk job 1,200 TDEE = BMR x 1,200

Extremely Active Very hard exercise / physical job 1,900 TDEE = BMR x 1,900

TDEE

X =
YO U R B M R AC T I V I T Y FAC TO R TDEE

TD E E = Thi s is yo u r to ta l d a i l y n e e d o f ca l o ri e s to maint ain your weight .

IDEAL BODY WEIGHT

MALE

( )
2

METERS . CM
X 23.0 =
HEI G HT
K I L OG R A M S

FEMALE

( )
2

METERS . CM
X 21.5 =
HEI G HT
K I L OG R A M S

/ 24 /
 EXPECT MORE

W A I S T T O H E I G H T R AT I O
If your Waist to Height ratio is 50% or less, your body is well balanced.
In case you are above 50%, you need to take care and do needful changes.

TA K E CA R E OK TA K E CA RE AC TIO N

Feet &
Inches cm
200
6' 7"
195
6' 5"
190
6' 3"
6' 1" 185
5' 11" 180
5' 9" 175
5' 7" 170
5' 5" 165
5' 3" 160
5' 1" 155
4' 11" 150
4' 9" 145
4' 7" 140
4' 5" 135
4' 3" 130
4' 1" 125
3' 11" 120
3' 9" 115
3' 7" 110
3' 5" 105
3' 3" 100
40 45 50 55 60 65 70 75 80 85 90 95 100 105 110 115 120 125 130 cm

16 18 20 22 24 26 28 30 32 34 36 38 40 42 44 46 48 50 Inches

NOTE:
Set a cro ss (x) i n t he c ha r t for your s core s .

/ 25 /
EXPECT MORE

PH SPECTRUM
Ideal human body pH level should be slightly alkaline 7.3 - 7.45. pH level is measured on
a scale from 1-14 to describe the acidity or alkalinity of food types.

Basically, an imbalance of pH in the body allows diseases and illness to take route, pri-
marily if your body is too acidic. To make it easy; eat real food, as close to its natural
form as possible. Stay away from highly processed food (chips, fries, soda, sausage,
factory made cookies, etc.) and increase vegetable and fruit intake. Reduce processed
carbohydrates in the form of bread, cakes, pasta & rice. Consume at least 2 liters of still
water per day to neutralize the acidic diet.

D I E T 20% - 40% D I E T 60% - 80%

15 26 37 48 9 10 11 12 13 14

AC I D I C D I E T NEUTRAL ALKALINE DIET

D E P R E S S I O N , H E A DAC H E S , AC N E , D R Y S K I N , M OO D S W I N G S , P OO R D I G E S T I O N

I M P R OV E M E M O R Y & COG N I T I O N , P R O M OT E S C A R D I OVA S C U L A R H E A L T H ,

B OO S T I M M U N E S Y S T E M , B E T T E R D I G E S T I O N , P R E V E N T S C A N C E R ,
KEEPS BONES AND MUSCLES HEALTHY

/ 26 /
 EXPECT MORE

LIVING ANOTHER 10 YEARS

Everything you do has a net gain or a net loss in your life. Based on your ‘lifestyle’ choi-
ces, you can find the probability of adding another 10 years to your life (75 to 85 years of
age). Investing in a healthy lifestyle early will increase the probability even more.

LEVEL OF DO YOU
ALCOHOL DO YOU
PHYSICAL EAT
CONSUMPTION SMOKE
ACTIVITY FRUITS

35%

Y N Y N Y N Y N
YES
LOW
41%
53%
HIGH

NO
58%
42%

YES

PERCENTAGE CHANCE OF LIVING A FURTHER 10 YEARS

HIGH
47%
59%

NO
64%

39%

Y N Y N Y N Y N
YES
MODERATE

LOW

45%
56%
NO 61%
45%
YES
HIGH

51%
62%
NO

67%

40%
Y N Y N Y N Y N
YES
LOW

45%
57%
NO
LOW

62%
46%
YES

MALE
HIGH

52%
62%
NO

75 YEARS OLD 67%

ALCOHOL LEVEL OF DO YOU

PHYSICAL DO YOU
CONSUMPTION EAT
ACTIVITY SMOKE
FRUITS

47%
Y N Y N Y N Y N
YES
LOW

51%
63%
HIGH

NO

66%
50%
YES

PERCENTAGE CHANCE OF LIVING A FURTHER 10 YEARS

HIGH

54%
66%
NO

69%

45%
Y N Y N Y N Y N
YES
MODERATE

LOW

59%
69%
NO

72%
58%
YES
HIGH

61%
72%
NO

74%

55%
Y N Y N Y N Y N
YES
LOW

57%
70%
NO
LOW

72%
58%
YES

FEMALE
HIGH

62%
72%
NO

75 YEARS OLD 74%

/ 27 /
 HEAD OFFICE, SALES
& MARKETING

Marine Benefits AS, P.O. Box 75

Sentrum NO-5803 Bergen,Norway

Visiting Address:
Olav Kyrresgate 11, NO-5014
Bergen, Norway

SUPPORT &
O P E R AT I O N S

Marine Benefits, Inc.

29/F, Pacific Star Building, Sen. Gil
Puyat Ave. Corner Makati Avenue,
Makati City, 1209. Philippines

HOTLINE

+ 63 2 753 4442

New number starting March 18, 2019

+ 63 2 7 753 4442

FOR INQUIRIES AND FURTHER

I N F O R M AT I O N , P L E A S E C O N TA C T U S :

mbasmanila@marinebenefits.no
mbasbergen@marinebenefits.no
linkedin.com/company/mb-as
www.marinebenefits.no
facebook.com/mbas.ph
TELEPHONE: +47 55 55 95 00
@mbasmanila