20/09/2025
✨ MEDICAL INSURANCE or LIFE INSURANCE? ✨
There seems to be a lot of confusion when people talk about these TWO."
Technically, may dalawa kasing types of health assistance.
1. Health Card from a Health Maintenance Organization a.k.a. HMO (e.g. Maxicare, Medicard, Intellicare) or MEDICAL INSURANCE
2. Life Insurance with Critical Illness Benefits from a Life Insurance Company.
People often ask kung alin ba sa dalawa dapat 'yung meron tayo?
These are 2 different kinds of insurances that serve 2 different purposes.
✨ HEALTH CARD (HMO) or MEDICAL INSURANCE
📌 Pag may health card/medical insurance ka, babayaran nila directly sa hospital lahat ng gagastusin hanggang sa maximum limit ng plan mo.
📌 Kasama dito ang check-ups, lab tests, doctors' fees, etc. Usually kaakibat nito ang PhilHealth.
📌 Ang HMO company or INSURANCE provider (tandem with HMO) na ang nagbabayad directly sa ospital ng bills, so wala ka nang ilalabas na pera. Depende ito sa annual benefit limit mo.
📌 18 to 65 yrs old pwede i-cover (yearly renewable)
📌 The benefit is you don't have to worry about the amount of medical expenses na kailangan bayaran on the spot. Di mo kailangan maglabas ng cash pag na-emergency ka, o bigla kang naospital, o kapag magpapacheck up ka.
✨ LIFE INSURANCE with HEALTH BENEFITS
📌 Ang life insurance naman na may critical illness benefits, lumpsum ang claim mo
📌 Kung madiagnose ka ng sakit like cancer, heart attack, stroke, any critical illness, ang claim na lumpsum ay magagamit mo habang nag a-undergo ka ng chemo, dialysis, etc.
📌It replaces the income na mawawala sayo.
📌 Coverage is until age 75. You'll get this in cash if you get diagnosed with a critical illness. Usually the coverage is 100,000 above (depende sa kinuha mo).
📌 The benefit is, it's all up to you kung paano at saan siya gagamitin, basta ibibigay na lang sayo yung cash. Pwede mo 'to magamit kung gusto mo rin magpagamot sa ibang bansa, o para mag-avail ng treatments for critical illness na hindi na covered ng health card/medical insurance mo.
✨ WHICH ONE TO GET?
🚩 I believe that it's important to have BOTH. Yes, BOTH.
In the end kasi, they complement each other. Kung ano yung kulang sa isa, napupunan ng isa.
For health cards, usually kasama na 'to sa benefits from your company. So kung meron ka nang ganito from your employer - congrats! You don't need to pay for it out of pocket anymore. Double check mo na lang kung sapat ba yung benefits na offered.
Kung self-employed ka dapat meron ka. Pede mo din kunan ang anak, asawa, magulang, Lolo at Lola mo basta insurable pa. 😍
For health insurance, very rare that employers offer this as a benefit. So it's highly likely that you have to purchase one for yourself.
Health is Wealth ♥️
Invest in your Health 💹
May medical insurance/life insurance + critical illness ka na ba at pamilya mo? 🤔💭
📨 Message me! 👌🏻
