What's the best and affordable HEALTH INSURANCE?

[makie]

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There is a difference between HMOs and health insurance. HMOs generally pay most of the hospital bills while health insurance provides daily hospital allowance as a replacement for the lost income due to being hospitalized.

For HMO, try Philcare. For health insurance, try Philam Life. Philam Life offers daily hospital allowance of P1,000, P2,000, and P3,000 a day. Depending on the plan, they also offer allowances for surgery and critical illnesses such as cancer, hypertension, etc.

As a hypothetical example, let's assume that a person was hospitalized for 20 days because of cancer, was confined in an ICU, and had a surgery. Let's just say these are the details of his plan: P1,000/day hospital allowance, P3,000/day, and P50,000 allowance for the surgery.

After 20 days, he will get P20,000 (P1T a day allowance) + P60,000 (P3T a day ICU allowance) + P30,000 (assuming that his surgery cost P30T). All in all, he gets P110,000 after 20 days in the hospital.

Ideally, HMO and health insurance should go hand in hand. HMOs will cover your hospital expenses which will keep you from looking for money to pay the hospital bills while health insurance will replace your daily income. Going back to the example above, assuming that the person has an existing HMO and almost everything was covered, he gets around P100T from the health insurance company which is enough to cover the necessary expenses not covered by the HMO. If he resorted to debt, at least the debt can be repaid immediately.

[cool_romar]

There is a difference between HMOs and health insurance. HMOs generally most of the hospital bills while health insurance provides daily hospital allowance as a replacement for the lost income due to being hospitalized.

For HMO, try Philcare. For health insurance, try Philam Life. Philam Life offers daily hospital allowance of P1,000, P2,000, and P3,000 a day. Depending on the plan, they also offer allowances for surgery and critical illnesses such as cancer, hypertension, etc.

As a hypothetical example, let's assume that a person was hospitalized for 20 days because of cancer, was confined in an ICU, and had a surgery. Let's just say these are the details of his plan: P1,000/day hospital allowance, P3,000/day, and P50,000 allowance for the surgery.

After 20 days, he will get P20,000 (P1T a day allowance) + P60,000 (P3T a day ICU allowance) + P30,000 (assuming that his surgery cost P30T). All in all, he gets P110,000 after 20 days in the hospital.

Ideally, HMO and health insurance should go hand in hand. HMOs will cover your hospital expenses which will keep you from looking for money to pay the hospital bills while health insurance will replace your daily income. Going back to the example above, assuming that the person has an existing HMO and almost everything was covered, he gets around P100T from the health insurance company which is enough to cover the necessary expenses not covered by the HMO. If he resorted to debt, at least the debt can be repaid immediately.

Well said.

[annabelle]

Caritas Health Insurance...Daghan options..Nindot man naa health card kay if dili man macover tanan, gamay ra jud magasto. ibanan pa na sa philhealth and sss(if naa) then your health card will shoulder the rest. Kasagaran medicines jud na ang reimbursable kay other than Chonghua i think uban hospital pwede pa magpa palit ug tambal sa gawas sa hospital aron makabarato.

[Metz]

I can offer Kaiser Healthcare. DOH registered healthcare company.

Healthcare siya for 5 years and after that it will convert to an investment vehicle that can earn 10% per annum(better than time deposit). Maski nagamit pa or wala.

Para napud sa retirement healthcare or other financial purposes.

[theone]

interested ko sa Caritas.. dugay naku naka dungog ana.. aha located ila office?

[annabelle]

interested ko sa Caritas.. dugay naku naka dungog ana.. aha located ila office?

sa Jones located ang office sa Caritas...Ka linya sa Anitas...PM me if your interested to know the products that fits your needs...

[crisjake]

medicard bro.. ayos

[vjykmr89]

That's outrageous! Basically, if you are healthy, you need insurance for emergency purposes. Unicare is what my son used. You can pick your plan. He picked one with a very high co-pay, because he wasn't needing to run back and forth to the doctor, but needed to insure himself for some incredible disaster. Hospitalization, etc. His monthly premium was 49.00 per month. That was only about 3 yrs ago.

[janmark_g]

for intellicare info PM me i can assist/help.

Intellicare cebu office is located at mr 601 metrobank plaza building Osmena bldv
tell number (032) 25512 82 local 301 (look for JM)

[Sgmangz]

Thanks sa infos guys ... Sana naa pay lain mga suggestions