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Best health insurance and life insurance policies

XanthiaAlysha · 7 · 3893

XanthiaAlysha

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What is the best health insurance and life insurance policies? I am recently out of the military and need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies? Also, is the SGLI to VGLI conversion a good change to make? If not, which is better term or whole life insurance policies?


mjtfernandez

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Reply #1 on: Oct 04, 2013, 03:35 PM
Well so far my clients like Maxicare, has a lot of accredited hospital, doctors and clinics.

We have I-HEAL its a life insurance and health insurance in one with INSULAR LIFE.

Mabuhay ang Pinoy at Mabuhay ang Insular Life! Proudly Pinoy!


brians

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Reply #2 on: Nov 05, 2014, 10:36 AM
hello im from axa in my opinion hmo's are ok but you want to consider our health solution which covers 56major critical illnesses and 18 minor illnesses and will attached rider for hospital income benefit.. message me or email me brian.lim@solutions-axa.com.ph


OMG.27

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Reply #3 on: Nov 05, 2014, 02:24 PM
What is the best health insurance and life insurance policies? I am recently out of the military and need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies? Also, is the SGLI to VGLI conversion a good change to make? If not, which is better term or whole life insurance policies?

I prefer you to have a term insurance. You may find various difference of whole versus term life insurance in the Google.  :)


brians

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Reply #4 on: Nov 06, 2014, 09:36 AM
I prefer you to have a term insurance. You may find various difference of whole versus term life insurance in the Google.  :)

term life is renewable and it can be converted to a whole life insurance w/o medical requirements.

whole life is a participating plan which you can earn cash dividends and special investment bonus.

both of them can attach riders


wilch23

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Reply #5 on: Nov 07, 2014, 08:08 PM
Since you said you're a student, are you under 25yo. If so, why even get a health insurance? Are you sickly? Otherwise, huwag magpa sales talk. Mas sulit ang PhilHealth.

As for life insurance, better get a reputable company with good record. Determine how much coverage you want. Get a term insurance from them with the lowest premium. All other add-on features only add to your premium and are not worth it. Invest the money you saved instead.


brians

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Reply #6 on: Nov 10, 2014, 08:52 AM
Since you said you're a student, are you under 25yo. If so, why even get a health insurance? Are you sickly? Otherwise, huwag magpa sales talk. Mas sulit ang PhilHealth.

As for life insurance, better get a reputable company with good record. Determine how much coverage you want. Get a term insurance from them with the lowest premium. All other add-on features only add to your premium and are not worth it. Invest the money you saved instead.

in my opinion @wilch23 maybe you have a point but it is better to be prepared for a worst case scenario, and right now if you are not sick then thats good the reason why people willing to invest in their health is that:

1. if you invest it in health insurance and non-smoker even wala ka pa sakit ay o.k yun kasi madali ma approve sa underwriter. anything can happen to us magastos magkasakit. you dont need it now yet but you need it in the future pag nagkasakit ka

2. HMO vs Health insurance
    HMO - ang babayaran doctor na accredited, hospital pag na confine ka, check-up kung san accredited at pwede i-enroll yun family mo as beneficiary but the question is how much is the coverage an average HMO per employee min of 200k may 150k pa nga. upto when ang coverage mo? ka pag nasa work ka pa? papanu kung wala ka na trabaho?

    HEALTH INSURANCE - if a policy owner na diagnose with critical illnesses, the insurance company will pay the certain policy holder depends kung anu nasa policy na covered na sakit. it also include critical illnesses PLUS optional pag attached ng hosital income benefit. example: na confine ka sa hospital due to unknown sickness min of 3 days and succeeding days jan mag start ang hospital income benefit why 3 days? kasi in first 3 days mo jan magkakaroon ng tests sa patiente. upto when ang coverage nito? WHOLE LIFE.

so pag HMO ang binabayaran hospital, doctor na accredited ang HEALTH INSURANCE ikaw ang binabayaran .

oh btw you mention PHILHEALTH? dagdag bawas lang yan sa bill mo sa hopital. right now may mga naririnig ako pahirapan na ang philhealth sa ibang hospitals.

3. HEALTH INSURANCE can also be savings and guaranteed cash value kung wala kang sakit. while HMO is none

4. HEALTH INSURANCE can also means of income protection if you know what i mean.

so there hope it helps....im a former bank employee and now joining an insurance company. need to know more about this you can message me or PM me will talk more about that :D


 


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