Thanks for this sis
ibfc. We are also currently looking into Medicard's family plan. Of all 3 HMOs I reviewed, Medicard ang pinakamaayos. But that's purely based on the papers that the agent sent me. I will look into this and will share my thoughts once I talked to a Medicard staff.
A couple of years ago, we applied for a corporate plan through an accredited agent but that agent enrolled a relative needing a surgery without our knowledge. Natural, tumaas ang premium namin the following year so we decided not to renew our coverage.
CARITASMy parents have tried Caritas more than a decade ago. Back when it was just Caritas Health Shield. The best thing about Caritas then was, after the maturity of your coverage (10 years), they will reimburse 100% of the amount you paid for. Sobrang laking tulong nito because my parents were able to use Caritas for their monthly check-ups. My mom also underwent an operation in Makati Med. Caritas took care of the hospital bill! Tapos nakuha pa nila 'yung lump sum ng binayad nila 2 years after the surgery. Pretty sweet deal, right?!
Recently, we revisited Caritas to see if such HMO plan still exists. Unfortunately, wala na silang 100% lump sum benefits after the maturity of the coverage. Nasa 40+% na lang! Well, it still is better than a pure HMO where you don't get anything back after your term expires. If you decide not to withdraw your lump sum after maturity, Caritas will put it in an investment vehicle. May chance pang lumaki 'yung pera mo through compounding interest!
The only negative thing about Caritas is it can be a little strict in terms of its use (from our experience). We had to always get a form from one of its offices before we can make an appointment with their accredited doctors.
Since I also have a medical background, I kind of have an idea which Caritas-accredited doctors to choose in the event that my parents need to consult or if they get hospitalized.
BPI/ PHIL-AM LIFE PROTECT?Disclaimer: I'm not sure if this is the name of the plan but during one of my recent bank visits, I was referred to their sales agent who pitched me this new BPI product in partnership with Phil-Am. Also, this is
NOT an HMO per se but one of its features has HMO-like qualities. With this plan, subscribers will have the following:
-Life Insurance
-Critical Illness Benefit (Phil-Am will pay you 375,000 (?) upon diagnosis of one of its 57 critical ilnesses [provided that you survive 3 (?) days after the diagnosis was made) -- one of the 57 critical illnesses is DENGUE!
-Accelerated Terminal Illness Benefit
-No Claim Benefit (you get 50% of your money if no claims were made within the coverage period).
Kung may mga alam pa kayo ma sis na good offers like these, kindly post it here to better inform and empower our citizenry. CITIZENRY?!
Laban tayo, sisses! Para sa ekonomiya. Pak! Pak! Ganon.
