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Health Insurance/HMO Companies

mzkukuro · 242 · 130833

p!nk

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^wala eh. check ko yung sa maxicare ngayon. sinong may alam sa asian life na hmo?


rainmen

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« Last Edit: Jul 18, 2007, 09:34 PM by rainmen »


p!nk

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dwin

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...
P1000 Hospital Income/day premium is at 5,475.50 for ten years
P2000 Hospital Income/day premium is at 7,570.65 for ten years
P3000 Hospital Income/day premium is at 9,666.75 for ten years
...


John, these premiums, monthly ba to or annual na?


wintan2006

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                          Dwin,annual yata ang bayad  sa premium.Pag monthly super mahal na yan.


dwin

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Naniniguro lang, mam. Hehe!

Para din kaseng life insurance, may tatanggapin after 10 years.  :hihi:


dwin

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« Last Edit: Jul 19, 2007, 08:04 PM by dwin »


rainmen

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if your 30 years old? then its less but, does it have the money back feature?
(lump sums when medical operations are required)
we have this kind in another product






p!nk

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naginquire ako about sa MEDISAVE ng PHILAM LIFE. based on the info i received, you'll receive a daily benefit payment for up to 365 days, for each hospital stay.

yung money back feature nya ang nakasabi premiums will be returned after 10 years. hospital confinement must not exceed 365 days accumulated over the duration of the plan. return is based on basic premium, i.e. Gross Premium less taxes paid.

Plans: MediSave 1000, MediSave 2000, MediSave 3000

cons: daily hospital income lang talaga. di na kasali ang ibang hospital fees.


dwin

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I don't think this will be very useful. Kase ang masakit naman talaga sa bulsa e yung biglaang operation due to dreaded diseases like heart ailment, etc. We need lump sums for these or reimbursements.
« Last Edit: Jul 25, 2007, 09:08 PM by dwin »


nailbiter

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^Per Sun Life's website, they offer a critical condition rider and a living benefit rider for their life insurance plans.

Sana may magbigay pa ng feedback re: HMOs.


p!nk

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for me, di nga useful ang MediSave ng Philam Life. yung "income" na makukuha mo dun eh kulang pa sa pambayad sa hospital per day.

i'm still waiting for info on HMO plans.


annanymous

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Maganda nga lang yung Medisave para sa mga members ng Philhealth at merong libreng HMO plan.

Sa HMO naman, ok yung Intellicare kaya lang para sa mga companies lang. Wala silang pang-individual.

Medicare ang HMO namin ngayon. Di ko gusto kasi limited lang ang clinics na pwedeng magpa-check up. Di tulad ng Intellicare na pwede sa Healthway.


rainmen

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this kind of plans and programs is for your emergency use.

and certainly i dont want to use mine, do you want to be hospitalize?

but sometimes accident happen and sometimes it happens when you least expected and you have no money to spare, suddenly you remember, thank God, I have MediSave, it lessen the burden I have to think about. and the sweet part is you get your money's worth.

but kiddding aside, dont you want to insure your health, just as we insure our houses and our cars.
why do we insure our houses?
if we do. do you like to have a claim?


annanymous

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^Yung sa Medisave ba makukuha agad yung benefit o after na makalabas sa hospital nung member?


 


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