October 2011 - responsivebrokers.com

The Official Newsletter of
Issue No. 32
October 2011
Quarterly e-Newsletter
Since the imposition of the Insurance
Commission’s minimum paid-up capital
requirement that mandated insurance
brokers to meet its effort to “assure vitality of
companies in the next 5 to 10 years”, the
number of licensed insurance brokers has
dramatically tapered. From more than a
hundred, it has gone down to 61 this year.
We are very happy to report to you that
Responsive has been awarded its renewal
license for Y2011-2012 - five years in a row!
We aim to keep it this way for you and with
you.
How do companies benefit from dealing with a licensed broker? Their
practices are being regulated and tightly watched by the Commission
“to guarantee fairness and to protect customers against deception”.
Apart from achieving Excellence in Service, this is Our Commitment.
How do companies know if a broker is licensed? Simply ask for their
license.
In this issue, we continue to update you of our services and activities.
Please take a look at how travel insurance works with one of our
providers, Blue Cross. Also in this issue is our annual summer
commitment to BATA Foundation. This time taking them to Avilon Zoo.
It was so much fun! And thank you very much for you usual support.
(from left) Jimmy Villanueva (Responsive
Soliciting Official), Vida T. Chiong (Deputy
Insurance Commissioner & OIC of the ICCP),
Tess D. Rodriguez (Responsive President) and
Rene M. Navarro (Responsive AVP-Operations
& Admin.) during the signing and issuance of
renewal license last September 7 in Manila.
Running is something we continue to share with you. Whenever there
is an opportunity, we take time to mention it in our discussions with you.
We hope to encourage you to give it try if you have not done yet.
Robinsons Fit and Fun is an annual event for Responsive. It not only
promotes running, but camaraderie as well by running and reaching the
finish line with a buddy. It happens every 3rd quarter. We will be glad
to have you in our next run!
Please allow me to urge you to read ‘Live Health Now’ on page 6.
It provides very good insight on how to achieve a healthy lifestyle
through cutting out soda (do I hear you say, “ouch!”?), switch to whole
grains,, etcetera.
Happy reading!
Stay healthy,
Tess
In This Issue…
2
2
2
3
4
Tie-up with Metro Dental
Flu Vaccination
Orientation of HMO Benefits
Featured Product: Travel Insurance from Blue Cross
Outreach Program with BATA Foundation
5
6
7
8
Bonding Activity: 4th Robinsons Buddy Run
Live Healthy Now
Food Safety & Water Sanitation
Feedback from Valued Clients
Metro Dental, the country’s first nationwide chain
of Dental Centers, held its detailed service
orientation for selected intermediaries at the
Crowne Plaza Hotel last September 20. This
was followed by an ocular at its Robinsons
Galleria Center. In photo (from left) are Mr.
Michael John Cardenas (Maxicare Business
Development Manager), Ms. Nel Badal
(Maxicare AVP for Intermediaries), Dr. Cherrie
Anne Cruz of Metro Dental, Dr. Sonny Burias of
Metro
Dental,
with
Responsive’s
Mr.
Christopher Tan (AVP for Customer Care) and
Mr. Voltaire Victoria (AVP for Sales &
Marketing).
Pettigrew Philippine Services, Inc.
employees received their annual flu
shot last July 22 through the facilitation
of Responsive. In photo are Ms. Donna
Mae Buan (PPSI HR Assistant) being
vaccinated
by
Ms.
Joy
Sitjar
(Responsive Customer Care Assistant
and a registered nurse) with Mr. Voltaire
Victoria (Responsive’s AVP for Sales &
Marketing).
Bannister
Academy
Corp.
employees
headed
by
Mr.
Raymond Villanueva (President)
and Ms. Jane Villanueva (Chief
Finance Officer) received the
orientation of their HMO benefits
from
Mr.
Voltaire
Victoria
(Responsive AVP for Customer
Care) last September 30.
FEATURED PRODUCT:
TRAVEL INSURANCE FROM BLUE CROSS
Responsive would like to present its services in facilitating the travel insurance requirements of
your valued workforce be it on official trip or simply for pleasure from incentives or vacation. Below
are the salient features of Blue Cross' Comprehensive Travel Insurance Package:
MEDICAL TREATMENT
This covers your hospitalization, surgery, visits to registered
physicians or specialists, prescribed medicines, emergency ambulance
and emergency care due to a covered illness or injury occurring during
your travel. This benefit is subject to the pre-existing provision, and the
hospital daily rate should not exceed US$350, or its corresponding value
in Peso or ¤225 for the Euro Plan.
HOSPITAL INCOME
This provides a daily income up to ten (10) consecutive days of your
hospitalization in excess of 24 hours from the time of your admission.
Your medical and surgical treatment are also covered under this plan.
PERSONAL ACCIDENT
This covers you when an accident occurs while traveling resulting in
death or total permanent disability, including loss of one or both eyes or
limbs. The maximum payable amount to a child from six (6) to 15 years
old or a person above 70 years old shall be Php100,000 for Peso Plans,
US$5,000 for Dollar Plans and ¤3,000 for the Euro Plan.
PERSONAL LIABILITY
This covers expenses you might incur if you have caused another
person’s accidental death, bodily injury or damage to property, because
of situations beyond your control while you are traveling.
BAGGAGE DELAY
This covers you when your checked-in baggage has been delayed,
misdirected, or temporarily misplaced in delivery for more than 12 hours
from the time you arrived at your destination.
BAGGAGE LOSS OR DAMAGE
This covers your baggage including clothing, prescribed medicines,
bags and footwear, if they have been lost or damaged during your
travel. Items inside your bag are covered per item, pair or set of up to
Php5,000 for Peso Plans, US$150 for Dollar Plans and ¤95 for the Euro
Plan. For damaged or lost baggage, Blue Cross will cover up to the
actual cost of repair, or cost of the lost baggage, subject to depreciation,
but not to exceed the maximum benefit.
LOSS OF TRAVEL DOCUMENTS
This covers only the replacement fee of your passport, and the
re-issuance of your travel tickets of the same class. This benefit
does not cover transportation, communication and other related
incremental charges you might incur in the process of getting your
new passport or tickets.
TRIP CANCELLATION
This provides reimbursement for the unused and non-refundable
portion of your travel and accommodation expenses which have been
paid in advance, if your trip is cancelled within 30 days prior to the
scheduled departure date. The cancellation must be due to death, life
threatening condition or sickness of the Insured, or his immediate family
member which require emergency medical attention, or due to
unexpected outbreak of strike, riot or civil commotion at the planned
destination.
TRIP TERMINATION
This provides reimbursement for the unused and non-refundable portion
of your travel and accommodation expenses which have been paid in
advance, if you need to cut short your trip and return to your place of
origin after your coverage has begun. The termination must be due to
death, life threatening condition or sickness of the Insured, or his
immediate family member which require emergency medical attention, or
due to unexpected outbreak of strike, riot or civil commotion at the
planned destination.
FLIGHT DELAY
This reimburses your incurred expenses if your flight is delayed by more
than 12 hours due to severe weather conditions. Delays of chartered
flights are not covered.
STRIKES AND HIJACKS
This provides a daily allowance for a maximum of ten (10) days for
each full day your travel is delayed for more than 12 hours from
reaching your scheduled destination due to organized industrial
action, strike or hijack.
FUNERAL AND BURIAL EXPENSES
This covers the cost of funeral and burial expenses to be incurred at
the point of origin if death occurs while you are traveling due to a
covered disability or medical condition.
EMERGENCY ASSISTANCE BENEFITS
A. The following benefits are available to you only if they are
arranged through our Emergency Assistance partner,
International SOS:
Emergency Medical Evacuation
We will arrange and pay for the provision of air and/or surface
transportation, communication and all usual ancillary services
required to move you to the nearest hospital where appropriate
medical care is available.
Emergency Medical Repatriation
We will arrange and pay for a medically supervised repatriation to
your Home Country or Usual Country of Residence after stabilizing
your medical condition, to the satisfaction of International SOS.
Return of Minor Children
We will arrange for the return of your minor children to your Home
Country or Usual Country of Residence, if they are left unattended
as a result of your illness, accident, or Emergency Medical
Evacuation.
Compassionate Visit
We will arrange and pay for an economy roundtrip transportation for
one of your immediate family members or a friend to join you, when
you are traveling alone and are hospitalized for a covered condition
for more than seven (7) days.
Transportation of Mortal Remains
We will arrange and pay for the transportation of your mortal
remains to your Home Country or Usual Country of Residence.
B. The following benefits are available to you subject to the
terms and conditions, as agreed upon by Blue Cross and
International SOS:
• Telephone Medical Advice
• Medical Service Provider Referral
• Arrangement of Appointments with Local Doctors for Treatment
• Arrangement of Hospital Admission
• Monitoring of Medical Condition During and After Hospitalization
• Delivery of Essential Medicine
• Guarantee of Medical Expenses during Hospitalization for a
Covered Illness or Accident (subject to Company Policy)
• Arrangement of Accommodation
• Inoculation and Visa Requirement Information
• Interpreter Referral
• Lost Luggage Assistance
• Lost Passport Assistance
• Legal Referral
• Embassy Referral
• Emergency Document Referral
Responsive’s Outreach Program
with BATA Foundation Kids
@ AVILON ZOO
September 10, 2011 ● Rodriguez, Rizal
Robinsons’ 4th “Fit & Fun”
WELLNESS BUDDY RUN
July 17, 2011 ▪ Bonifacio Global City
Live Healthy Now
“While some of us succeed in living healthier, most of us make the attempt for a few weeks and slowly
slide into our old habits. As childhood obesity becomes a world-wide epidemic, it's more important
than ever to take our health seriously. Our children are watching us, and what they see could have
serious effects on their health.”
Maximum Effect for Minimum Effort
“Let's face it, setting goals and keeping them is hard. That's why so many of us are miserably bad at
doing it. Fortunately, there are some small steps that anyone can take that have big benefits. Choose a
few of the following health tips, and you'll be well on your way to making a serious change for the
better.”
• Cut out Soda: Soda, flavored coffees and fruit juice are full of
empty calories. By switching to water or unsweetened tea, you'll
drop about five pounds in a year. The weight loss can be even more
dramatic in some cases. If you can't live without a little caffeine,
choose diet drinks and take your coffee black.
• Switch to Whole Grains: It's no secret that
whole grains are healthy. The fiber, trace minerals,
irons and complex carbohydrates found in whole
grains fuel the body and help you feel full longer.
While most of us have no problem eating whole grain
bread, we need to think about other grains we eat as
well. Make the switch to whole grain breakfast cereal,
pasta and rice. Also, try incorporating new grains into
your diet including bulgur, quinoa and barley.
• Exercise in Spurts: Not everyone can find an
hour a day to exercise, but finding 15 minutes may be
easier. While the body will benefit most from 45
minutes to an hour of solid, vigorous exercise, similar
benefits can come from smaller workouts spread
throughout the day. By taking four 15 minute exercise
breaks throughout the day you can get a full workout
in without any major adjustments to your schedule.
• Lose a Few Pounds: If you are seriously overweight, the task of loosing dozens of pounds may
seem insurmountable. The fact is, even losing a few pounds can have enormous and immediate health
benefits. A good goal to shoot for is to lose 5% of your current body weight. By starting out small,
you're more likely to feel encouraged and keep going.
• Eat Your Veggies: Vegetables are the missing ingredient from far too many diets. Part of the
reason is that they aren't as convenient as processed snack foods that are so readily available. Even if
you don't need to lose weight, eating more fruits and vegetables is important because they are a
natural source of disease-fighting nutrition. Make a goal to eat a serving of fruits or vegetables with
every meal in addition to the ones you already eat. For most people, this is as simple as grabbing an
apple at breakfast, some carrot sticks for lunch, and adding a salad to dinner.
Implement any one of these tips and you'll see a dramatic improvement in your health. Try them all
and you'll have made a very serious commitment towards your longevity and quality of life. Best of all,
when your children see the healthy choices you're making, they'll want to make changes too.
Source: http://www.womensforum.com
Food Safety and Water Sanitation
Food Safety is the assurance/guarantee that food will not cause harm to the consumers when it is
prepared and/or eaten according to its intended use.
Food and Water-borne Diseases
Is a group of illness caused by any infectious (bacteria, viruses and parasites) and non-infectious agents
(chemical, animal and plant toxins).
Common Causes of Food and Water Borne Diseases
1. Unsafe sources of drinking water
2. Improper disposal of human waste
3. Unhygienic practices like spitting anywhere, blowing or picking the nose
4. Unsafe food handling and preparation practices i.e. street vended foods
Five Keys to Safer Food (Source: WHO)
1. Keep Clean.
2. Separate raw and cooked foods.
3. Cook foods thoroughly.
4. Keep food at safe temperatures.
5. Use safe water and raw materials.
In case of Suspected Food borne Illnesses
1. Preserve the evidence. If a portion of the suspected food is available, wrap it securely “danger” and
freeze it.
2. Seek treatment as necessary. If symptoms persists or are severe (i.e. bloody diarrhea, excessive nausea
and vomiting or high temperature), immediately consult a doctor.
3. Report the incidence to the local health department.
“It is upsetting to think about, but the foods you eat to stay healthy can make you sick. Fortunately, there
are many things you can do to protect yourself and your family from food borne illness. There are things
you can do in the grocery store, like avoiding cans that are bulging or jars that have cracks or loose lids. At
home, you should”
•
•
•
•
•
•
Be sure that your refrigerator and freezer are the right temperature for storing food
Refrigerate or freeze perishable foods right away
Throw away anything that looks or smells suspicious. If you think a food might be bad, don't taste it!
Wash your hands well before preparing food
Keep your work area, wash rags and utensils clean
Cook meats thoroughly
Water Sanitation
Ways of protecting water from contamination during handling, transport and storage
• always use clean water containers provided with cover
• wash containers after every use
• clean and disinfect storage tanks at least every quarter
• avoid hand contact with water during transport
Methods of water treatment
• Boiling - water should be brought to a rolling boil for at least two (2) minutes
• Disinfection - by using chlorine
1. Prepare a stock solution by dissolving 1 level of powder. Chlorine compounds (65% to 75% available
chlorine) to 1 liter of water.
2. Add 2 teaspoons of stock solution to 5 gallons (20 liters) of water. Mix thoroughly and let it stand for
atleast 30 minutes before using.
Sources: Department of Health and Medline Plus
Sent Thru EE-mail
September 20, 2011
Dear Tess,
Good day!
In behalf of our TEAM, we sincerely appreciate your gesture
of giving our company a Plaque of Appreciation. Courtesy
pays good dividends. It is the realization of the fact that others
also have the same desire for getting appreciation and praise.
September 13, 2011
And we want to extend our big Thank You, to you, and your
staff for taking care of our crew and their families in times of
hospital confinement and during emergency cases, whether
it’s in Visayas or Mindanao and for making yourselves
available 24/7.
Cecile M. Santos, BPO International
Warmest regards,
Josephine M. Roldan
President / General Manager
CREWCARE INC.
Congratulations on your new office and
Responsive’s continuous growth. Growth
doesn’t happen overnight, it takes dedicated
people with one goal working as a team and a
leader who will always guide the team to its
destination. Fortunately, Responsive Brokers
has both characters.
August , 2011
Dear Ms. Jlo,
Thank you so much for the assistance…
I would also like to thank the whole Responsive Team for
taking care of our employees and hope to have the same
assistance/services or even better with our renewal.
Thank you so much Toni for your swift reply!
Best regards,
September 5, 2011
Hi Josie,
All the best.
Perry Ferrer
Managing Director
EMS Components Assembly Inc.
Thank you,
Dette, Gentle Supreme Philippines
August 11, 2011
Thanks Ms. Jlo for your prompt action to my concern!
Regards,
Freddie, DB Soft Philippines
July 21, 2011
Hi Toni,
For comments and suggestions, please write to:
to:
Wow! This is good news.
Thank you so much Tony for the assistance.
This is very much appreciated. Keep up the good work :)
Regards,
Shams Suarez
HR Supervisor (Recruitment and Staff Deployment)
Business Process Outsourcing International, Inc.
July 18, 2011
Hi toni, thank you very much for this accommodation.
All the best,
Au, Citadel Group of Companies
Unit 1411 14th Floor Medical Plaza Ortigas
Condominium, 25 San Miguel Avenue,
Ortigas Center, 1605 Pasig City
Telephone Nos. : +63 (2) 910910-1834 to 38
Facsimile
: +63 (2) 910910-1839
Hotline Nos.: 09170917-8291088; 09190919-4069567;
09160916-7329070; 09280928-4869114
Website:
www.responsivebrokers.com
“Service Excellence through Responsive Experience”