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  1. #1

    Default HMO with no age limit


    hi guys! unsa nga HMO ang walay age limit? kay akong parents over naman gud sa usual limits sa mga HMO which is 60, based on experience gamit man jud kaau if naa kay insurance gud. sad kaau nga di mi ka pa doctor dayon if tight ang budget bisag sick na sila. any suggestions?

  2. #2
    sukad wala pa jud ko kadungog og naa ingon ana dri sa ato-a , naa koy nahibaw-an part sa europe mo take effect ang coverage at the age of 50 yrs old

  3. #3
    Quote Originally Posted by lecreigh View Post
    hi guys! unsa nga HMO ang walay age limit? kay akong parents over naman gud sa usual limits sa mga HMO which is 60, based on experience gamit man jud kaau if naa kay insurance gud. sad kaau nga di mi ka pa doctor dayon if tight ang budget bisag sick na sila. any suggestions?
    Regular insurance nalang up to age 71 coverage sa illness, life up to 100 yrs old.

  4. #4
    lagi no, unsa pud na nga company?

  5. #5
    Yay, up ko ani b kay need pud ko ani.


    sis @op2nd unsay naa anang Regular insurance? Tanang HMO naa ana? hehehe

  6. #6
    Quote Originally Posted by luff101 View Post
    Yay, up ko ani b kay need pud ko ani.


    sis @op2nd unsay naa anang Regular insurance? Tanang HMO naa ana? hehehe
    HMO wala gi offer sa mga regular insurance like Sunlife, Prulife, AXA etc. HMO gamay lang iya maximum service/coverage 50k-250k once mahurot, out of the pocket expenses na ... nig sugod nimo ug work INVEST jud kaani kay mao ni makahurot sa imo savings or this would PROTECT your future income.

    Statistic ...
    276 Filipinos die of heart disease everyday
    1 person dies of stroke every 9 minutes and 75% of stroke victim become permanently disabled
    142 people die of cancer everyday and 9 people are diagnosed with cancer every hour
    5 out of 10 children are afflicted with Pneumonia
    61 people die of diabetes everyday

    ICU confinement 30k/ day
    Dialysis with medication 50k/ month
    Brain Aneurysm surgery 400k
    Chemotherapy 60k per session (1.5M complete)
    Coronary Artery bypass surgery 600k (1.2M triple bypass)
    Kidney organ transplant 1.2M

    Regular Insurance health coverage mas daku lang (100k-10M+). Usually rider ni sya but duna pud stand alone, ang monthly mag depende sa age ug pila ang gusto na coverage, pay 5 yrs, 10yrs or 20yrs. Health coverage dunay up to 71 or until age 100.

    Barato pa ni if sayo kuhaon or if dili pa nimo kinahanglan (which is the time to buy)
    Mas taas edad mas mahal (syempre high risk sa company mao mahal)

    I can give you a sample qoute. Just PM me.

  7. #7
    Quote Originally Posted by op2nd View Post
    HMO wala gi offer sa mga regular insurance like Sunlife, Prulife, AXA etc. HMO gamay lang iya maximum service/coverage 50k-250k once mahurot, out of the pocket expenses na ... nig sugod nimo ug work INVEST jud kaani kay mao ni makahurot sa imo savings or this would PROTECT your future income.

    Statistic ...
    276 Filipinos die of heart disease everyday
    1 person dies of stroke every 9 minutes and 75% of stroke victim become permanently disabled
    142 people die of cancer everyday and 9 people are diagnosed with cancer every hour
    5 out of 10 children are afflicted with Pneumonia
    61 people die of diabetes everyday

    ICU confinement 30k/ day
    Dialysis with medication 50k/ month
    Brain Aneurysm surgery 400k
    Chemotherapy 60k per session (1.5M complete)
    Coronary Artery bypass surgery 600k (1.2M triple bypass)
    Kidney organ transplant 1.2M

    Regular Insurance health coverage mas daku lang (100k-10M+). Usually rider ni sya but duna pud stand alone, ang monthly mag depende sa age ug pila ang gusto na coverage, pay 5 yrs, 10yrs or 20yrs. Health coverage dunay up to 71 or until age 100.

    Barato pa ni if sayo kuhaon or if dili pa nimo kinahanglan (which is the time to buy)
    Mas taas edad mas mahal (syempre high risk sa company mao mahal)

    I can give you a sample qoute. Just PM me.

    Okay, how much per month kung around 60+ na ang age and for 5 years coverage.

  8. #8
    Quote Originally Posted by luff101 View Post
    Okay, how much per month kung around 60+ na ang age and for 5 years coverage.
    Unsay birthdate ani, male or female, smoker or non smoker? Ang 5yrs is number of yrs to pay.

  9. #9
    Quote Originally Posted by op2nd View Post
    Unsay birthdate ani, male or female, smoker or non smoker? Ang 5yrs is number of yrs to pay.
    female, non-smoker nakalimot ko sa iyang birthdate...hehehe, pwede pa pm kung pila ang per month and kung pila for 5 years.. hehehe

  10. #10
    Quote Originally Posted by luff101 View Post
    female, non-smoker nakalimot ko sa iyang birthdate...hehehe, pwede pa pm kung pila ang per month and kung pila for 5 years.. hehehe
    Pwede sa 10yrs to pay lang nako i quote... mas mahal gud if 5yrs to pay because of age. Pila man gusto nimo na health coverage, or gusto ka minimum.

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