by the way, nagmerge na ang AyalaLife and PhilamLife.
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by the way, nagmerge na ang AyalaLife and PhilamLife.
Oh, and just sharing for everyone to know the difference between having an HMO and a health insurance, sabi sakin nung friend ko, one should get health insurance or life insurance with health riders on top of having an HMO daw. Kasi HMO can stop upon termination of employment and it also has limited benefits. Pano daw kapag malaki na masyado yung medical bills mo, hindi na siya mashoulder ng HMO, even ng PhilHealth diba? At least if you have a supplementary health insurance, it can cover for those other expenses.
Tsaka with an HMO ata, the medical institution should be accredited of some sort, eh pag may health insurance ka, basta valid yung expenses, keri! =D
mga how much po yun?Cool! Ako I'm planning to get the one that's specifically for cancer since we have a history of that in the family. Tsaka mas mura. Haha. As of now, yun palang afford ko. =D
Lhorenz, would you like to hear about Cocolife's Joint Money Saver or Money Saver Plus? If you feel like you're going to be hospitalized for the next 10 years, recommended ko siya. Cheap siya pagdating sa premium payment (10 years) and you have Hospitalization Benefits as well as Living Benefits. After 10 years and you did not use the Benefits (like hospitalization), all the Premiums paid will be returned to you.
Ronald E. Darjuan
(pm for cell no.)
Cancer Life Shield provides a lump sum payment upon first diagnosis of Cancer. This yearly renewable plan also offers optional Quarterly Cash Support, Daily Hospital Income, Surgical Expense Reimbursement and Outpatient Treatment benefits – making sure your needs are covered from diagnosis to full recovery.
I'll ask around what specific cancer yung covered niya. I'll get back to you on this.
sana may health and life insurance combo. ano kayang company ang meron nito. im planning next year to get one bec. it's one of the most important must haves in life. sana nga noon pa ako kumuha.
Kami ng husband ko Sun Life kami pareho.. yung VUL type na may portion na iniinvest sa mutual fund. So far happy namin kami. I like Sun Life kasi hindi sila OA magquote ng returns sa yo. Conservative sila.
Meron yung Philam Life na Mediguard, pwede siyang kabit sa life insurance and pwede rin siyang separate. Kung separate mo kunin, pwedeng yung coverage nya for the entire family pero kung rider lang, for you lang applicable.
Sabi sa website, ang benefits:
1. Daily hospital income, maximum of 365 days of confinement
2. Long-term hospitalization - after 31st day of confinement due to the same cause, may additional ka pang cash benefits
3. Intensive Care Unit
4. Surgical Reimbursement Benefit - if due to the same cause
Meron din Medisave, yun naman 10 year plan that provides cash benefits for hospital confinement due to accident or illness. May money-back offer din siya after 10 years with or without hospital income claim.
Basic lang yung mga alam ko eh. Pero yun, combo naman talaga yung mga yan, pwede ka mag-attach lang kung ano yung mga gusto mo and kailangan mo.
And yup, super important talaga kumuha ng insurance especially with the prevalence of non-communicable and chronic diseases today, mas matagal ka pang magpapagamot at mabubutas lang yung bulsa mo with the hospital and medical bills you'll get, di ka pa rin naman gagaling.
Thanks that's nice to know. Nasa anong age bracket na kaya ako? heheHi Lhorenz! Nakapagtanong nako and sabi nung friend ko, covered daw ALL TYPES OF CANCER except Skin Cancer. Tapos kaya mura yung premium/ payments ko kasi nasa bracket pako ng 20-24 years old. Every 5 years kasi yung increments ng increase in the premium.
Hey guys! I'm so glad I found this thread because I just recently found a really "sulit" insurance plan. Its called Sparxx Max and its from one of the biggest and well-known insurance companies in the country - Pioneer Life.
Sparxx Maxx is "bite-sized insurance and savings" because it is the easiest and most affordable insurance plan ever! Where else can you find an insurance plan that offers PHP100, 000 for personal accident insurance coverage, PHP50, 000 for cash burial assistance benefit – all good for an entire year, and PHP300 start-up savings with guaranteed interest at a low price of just PHP550!
And since malapit na rin ang Christmas, it would be the perfect gift for friends, relatives, colleagues, and loved ones. This is probably why they also launched "The Sparxx Max Christmas iPad Giveaway where a purchase of Sparxx Max can give you chance to win 1 out of the 12 iPads that Pioneer is giving out this Christmas.
For more details, check out their official website page: http://on.fb.me/aQglRw
and feel free to ask questions here.
ok po ba ang Manulife...?
Yesterday, I was able to talk to an agent of Manulife and pahapyaw nyang diniscuss about yung sa Insurance and all (nakita ko lang ito sa canteen ng company namin)...hindi pa fully discuss kasi kinuha lang nya yung info ko. She'll prepare a proposal for me. Sabi nya depende sa need ko raw.Sabi ko kung pwede Retirment, Savings, Critical Health and all rolled into one. I hope na kaya ko yung premium sa proposal nya.
If you want to know the difference, you might as well, attend our seminars... Maramikang matututunan pagdating sa mga ganitong plans or products... Also, you will realize the importance of these sa buhay mo at ng family mo... Nagtuturo lang po kami ng financial concepts for free...
If you want to check this out just email me at email@example.com or txt me at 09154422465... \
anyway, free naman ito... wala naman masama kung bbgyn mo ng sandaling panahon dahil baka ito ang makapagbago ng pananaw mo sa buhay... guaranteed marami kang matututunan!