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Strategic Relationship Agreement [Amended and Restated]

Entities:
Date:
2003
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118K
ID:
#292434

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              AMENDED AND RESTATED STRATEGIC RELATIONSHIP AGREEMENT

     This Amended and Restated Strategic Relationship Agreement ("Agreement") is
made  and  entered into this 31st day of October, 2003, by and among Health Net,
Inc.,  a  Delaware  corporation  ("HNI"),  Health  Net Life Insurance Company, a
California  domiciled life and disability insurance company ("HNL") (HNI and HNL
are  jointly  referred to herein as "Health Net"), SafeGuard Health Enterprises,
Inc.,  a  Delaware  corporation  ("SFGD"),  SafeHealth Life Insurance Company, a
California  domiciled life and health insurance company, SafeGuard Health Plans,
Inc.,  a  California specialized Knox-Keene Health Care Service Plan, Health Net
Dental,  Inc.,  a  California  specialized  Knox-Keene  Health Care Service Plan
("HND") and Health Net Vision, Inc. ("HNV") (SafeGuard Health Enterprises, Inc.,
SafeGuard Health Plans, Inc., SafeHealth Life Insurance Company, HNV and HND are
jointly  referred  to  herein  as  "SafeGuard").

                                    RECITALS
                                    --------

     WHEREAS,  pursuant  to the terms and subject to the conditions set forth in
the Purchase and Sale Agreement by and between HNI and SFGD dated April 7, 2003,
inter alia, SFGD agreed to purchase from HNI and HNI agreed to sell to SFGD, all
the  issued  and  outstanding  stock of HND (the "Purchase and Sale Agreement").

     WHEREAS,  pursuant to the terms of the Purchase and Sale Agreement, HNI and
SFGD  agreed  to enter into a strategic relationship agreement at the Closing to
promote  and  facilitate  the  sale  of  Health Net Branded Products through the
Health  Net  Marketing  Force  and  the  sale of Health Net Products through the
SafeGuard  Marketing  Force.

     WHEREAS,  HNI  and  SFGD  are parties to a Strategic Relationship Agreement
dated as of April 7, 2003 (the "Strategic Relationship Agreement").

     WHEREAS,  HNI  and  SFGD wish to amend and completely restate the Strategic
Relationship  Agreement  and  to  supersede  in  its  entirety  the  Strategic
Relationship  Agreement  with  this  Amended and Restated Strategic Relationship
Agreement.

     NOW  THEREFORE, in consideration of the mutual agreements contained herein,
the  sufficiency  of  which  is hereby acknowledged, and in consideration of the
performance  by  the  parties  of  their  obligations  under this Agreement, the
parties  agree  as  follows:

                                    ARTICLE I
                                  DEFINITIONS
                                  -----------

     Capitalized  terms  used  in this Agreement and not otherwise defined shall
have  the  meanings  given  such  terms  in the Purchase and Sale Agreement. For
purposes  of  this  Agreement,  the  following  terms  shall  have  the meanings
specified  below (definitions are applicable to both the singular and the plural
form  of  each  term  defined  herein).

     "Aggregate Payment Amount" shall have the meaning set forth in Section 6.3.
      ------------------------


                                        1

     "Ancillary  SafeGuard  Products"  means dental HMO products, dental PPO and
      ------------------------------
dental  indemnity  products  developed  jointly by SafeGuard and Health Net with
benefit  designs  and  rate structures that differentiate such products from the
SafeGuard  Dental  Products  offered generally by SafeGuard in the Territory and
which shall be sold exclusively by the Health Net Marketing Force only to Health
Net  Clients.

     "Benchmark  Products"  means  those  SafeGuard  Dental  Products  that  are
      -------------------
determined  by  the  parties  to be materially similar to the Health Net Branded
Products  as  of  the  Effective  Date  and  set  forth  on  Schedule  5.1.
                                                             -------------

     "Branding" shall have the meaning set forth in Section 2.7.
      --------

     "Bundled  Product"  means  a  Health Net Medical Product that also provides
      ----------------
coverage  for dental services and dental products in a single policy or contract
form  that is issued and underwritten by a single Health Net Affiliate and under
which  the  dental  benefits  are  administered  by  HND.

     "Change  of Control" means the acquisition, in a single transaction or in a
      ------------------
series  of related transactions, by a person, an entity or a group of persons or
entities  acting  in  concert  of  fifty-one percent (51%) or more of the voting
securities of a party, or fifty-one percent (51%) or more of the aggregate value
of  the  assets  of  a  party.

     "Contractholder"  means  an  employer or individual in the Territory who or
      --------------
which  executes  an  enrollment agreement with respect to any Product subject to
this  Agreement.

     "Copayment  or Coinsurance" means the specific payment that a Subscriber is
      -------------------------
required  to make to a provider at the time Covered Dental Services are provided
and  which  the  provider  is  required  to  collect.

     "Covered  Dental Services" means those dental services or supplies to which
      ------------------------
a  Subscriber  is  entitled pursuant to the terms of the Subscriber's Health Net
Branded  Product.

     "Dental  Provider"  means  a  dentist, dental health service provider, or a
      ----------------
dental product provider who or which is a party to a contract with any SafeGuard
Affiliate  to provide dental services or dental products to Subscribers enrolled
in  a  Health  Net  Branded  Product.

     "Dispute" shall have the meaning set forth in Section 9.1.
      -------

     "Eligible  Employee" means an employee who is eligible to enroll in a group
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Product  issued  to  a  Contractholder.

     "Effective Date" means the Closing Date of the Purchase and Sale Agreement.
      --------------

     "Existing  Dental  or  Vision Products" shall have the meaning set forth in
      -------------------------------------
Section  5.8.

     "Health  Care  Costs"  means  the  capitation  and  claims  paid  to Dental
      -------------------


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