Anong insurance ang kinuha nyo?

[Rachelle888]

Prudential Life or PRU Life version sa Pinas. Nasa Singapore kasi ako ngayon.
Pwede ka bumili ng Package depende sa gusto mo,
- Investment Plan  - nsa $158.19 sgd (monthly)
- Retirement Plan - nasa $144.90 sgd (monthly)
-Hospitalization Plan - $710 sgd annual

Yung investment para kang nagssstock market niyan, tapos yung retirement plan until 60yrs old. After 2 yrs mo magbayad may yearly allowance sila na binibigay na $1000 sgd pwedde mong ikeep sa account mo paghindi mo kelangan magiinterest siya ng 5% yearly. Every year yun $1000, mag 3 yrs na ako sa October so may pwede na akong iwithraw na $2000 sgd with 5% interest. Di ko pa naman siguro kelangan. Mganda sa investment plan pwede mo siyang iconvert sa Educational Plan pagnagka baby kna. Medyo late na nga ako kasi 28 na ko kumuha. Mas maaga mas better. Mga nasa 8million pesos din mkukuha mo pag reach mo ng 55 to 60 yrs old. not bad na kung wala ka ng work non kasi nagreretire [textspeak!] tayo ganun age pwede mo na ienjoy yung pera mo plus sagot na din nila libing mo and hopital.

[D4thAngel]

AXA advisors help please!  5 Years din ang Axelerator ng kapatid ko, supposedly tapos na last December naka auto-debit sa bank niya but still nagbabayad pa raw siya, dahil kaya sa mababa ang stocks at kulang pa nababayad niya na premium kahit over 5 years na siya or dahil sa kailangan ipastop yunga uto-debit?

Hi sis, from Axa here. Please have your sibling fill-up a Premium Holiday Application form para mag stop na ang charging ni Axa.  Form if available at our Axa Ph website.  Hindi po kasi  automatic na mag-stop ang charging unless you request for it. On a positive note, nadagdagan naman yung investment units nya, he/she is buying it a bargain price.

[marssie]

^Late reply but thanks sis, yes nag fill-up na siya   By the way, she got Axelerator kasi, do you think it is a good insurance for investment? od pwede kaya niya iconvert sa other insurance na mas malaki ang protection value pero may investment part pa rin?

[D4thAngel]

^Late reply but thanks sis, yes nag fill-up na siya   By the way, she got Axelerator kasi, do you think it is a good insurance for investment? od pwede kaya niya iconvert sa other insurance na mas malaki ang protection value pero may investment part pa rin?

Yes sis, Axelerator is more on investment kasi maliit lang  ang insurance coverage nyan, hence maliit ang insurance charge.   I suggest palagyan nyo na lang ng rider for additional coverage (term insurance) to save cost. For some na nagka-family na, they tend to increase their coverage pero walang budget for additional plan. Better idagdag etong rider na to.

[marssie]

^Ah pwede palang idagdag na rider ang term insurance, galing naman, sige bangitin ko sa kanya. Super thank you

[crzysxycl]

hi mga sis. meron ba sa inyo kumuha from bpi philam? nakakuha ako the other day lang, para sa 3 yr old ko, trad daw and more on medical expenses ang covered until age 100. hindi pa naeemail sa akin yung policy kaya hindi ko nakuha yung exact name ng product eh. naisip ko lang bigla, yung current kasi nya from sunlife is 6500 quarterly for 10 yrs tapos yung bpi-philam is around 4300 quarterly for 20 yrs. hindi ba parang mas mahal pa sya dun sa sunlife, considering na trad naman sya? o baka dahil kinuha ko lahat ng riders? i opted this one since single parent na ako ngayon at di ako umaasa sa walang silbi kong asawa kaya mabuting meron ako magamit in case kailanganin ng anak ko.

[[-c-h-a-]]

Both my husband and I have:

Income Protection
Total and Permanent Disability
Death (Funeral inclusive)
Temporary Incapacity

40-50$ a week

[red_one]

Hi sis D4thangel, makikitanong na rin ako if you dont mind, i have axelerator too kasi. may rider ba na for health na pwede ipa-add? I mean hospitalization or critical illness coverage? 8 yrs na ako paying, 2500 monthly

[D4thAngel]

Hi sis D4thangel, makikitanong na rin ako if you dont mind, i have axelerator too kasi. may rider ba na for health na pwede ipa-add? I mean hospitalization or critical illness coverage? 8 yrs na ako paying, 2500 monthly

Hello sis, congrats tagal mo na pala. Yung 2500 mo monthly, P150k ang coverage nyan. For Critical Illness rider, dapat at least P200k coverage. Yung hospitaization pwede sis. May choice ka kung how much yung daily hospitalization benefit ang gusto mo.

[red_one]

I see...Thank you sis for your prompt reply. Tawag ako sa agent ko. Salamat uli...☺️

[gcbeep04]

Hi mga sis, new here, I have insurance from BPI-Phil Am (Critical Care Max), ask ko lang if meron dito na may similar plan and ano review niyo about it? Been paying for it for 1 year na, nasa 4850 per month yung payment ko. I'm just thinking if maganda ba talaga yung nakuha kong plan. From the policy itself okay naman coverage but I just wanna hear out other people's review about it 

[eischied_21]

Hello, any Life Insurance na maganda yun coverage ng critical illness and hospitalization? Already had life insurance pero walang rider na ganito, accident and disability lang meron ako. Any suggestion san maganda kumuha?

[D4thAngel]

Hello, any Life Insurance na maganda yun coverage ng critical illness and hospitalization? Already had life insurance pero walang rider na ganito, accident and disability lang meron ako. Any suggestion san maganda kumuha?

Sis check mo yung Healthmax from Axa Phils, comprehensive critical illness coverage (major and minor), with attachable hospitalization, cash back guarantee, and flexible terms- 10yr/20yrs/pay till 65/, covered na until 100yrs old.  Pwede dyan monthly payments.

[xtine]

Sis, i am also in SG.. Kumuha ako ng insurance ng retirement insurance sa AIA pero 5 years to pay lang.  Although mas mataas sa monthly mo yung premium.  hehe.  May I ask, how many years to pay yung premium mo?

Prudential Life or PRU Life version sa Pinas. Nasa Singapore kasi ako ngayon.
Pwede ka bumili ng Package depende sa gusto mo,
- Investment Plan  - nsa $158.19 sgd (monthly)
- Retirement Plan - nasa $144.90 sgd (monthly)
-Hospitalization Plan - $710 sgd annual

Yung investment para kang nagssstock market niyan, tapos yung retirement plan until 60yrs old. After 2 yrs mo magbayad may yearly allowance sila na binibigay na $1000 sgd pwedde mong ikeep sa account mo paghindi mo kelangan magiinterest siya ng 5% yearly. Every year yun $1000, mag 3 yrs na ako sa October so may pwede na akong iwithraw na $2000 sgd with 5% interest. Di ko pa naman siguro kelangan. Mganda sa investment plan pwede mo siyang iconvert sa Educational Plan pagnagka baby kna. Medyo late na nga ako kasi 28 na ko kumuha. Mas maaga mas better. Mga nasa 8million pesos din mkukuha mo pag reach mo ng 55 to 60 yrs old. not bad na kung wala ka ng work non kasi nagreretire [textspeak!] tayo ganun age pwede mo na ienjoy yung pera mo plus sagot na din nila libing mo and hopital.

[crzysxycl]

hi sisses! meron ba talagang global coverage ang mga insurance? paano kung may mga insurance kang inavail then you decided na mag migrate to another country? tia!

[D4thAngel]

hi sisses! meron ba talagang global coverage ang mga insurance? paano kung may mga insurance kang inavail then you decided na mag migrate to another country? tia!

Meron sis- Axa, April Intl, Allianz, IMG, Pacific Cross, Cigna, these are medical insurance with global coverage. With Axa, dapat primary residence is Phils, max 180days lang sa abroad. Not sure sa ibang companies.

[eischied_21]

^sis, what if dual citizenship ka then half of the year nasa ibang bansa, then half of the year nasa Pinas for retirement, then na-ospital ka sa pinas during your vacation - possible ba na may makuha ka sa insurance mo?

[crzysxycl]

^^Thank you so much sis! Naku po, wala ang pru life, bpi-philam and sunlife sa list.. Asked my agents before kasi ako kumuha, sabi nila pwede raw. Lalo na yung sunlife since meron daw nun sa canada. Hindi ko pa kasi nahalungkat yung policies hehe.

[D4thAngel]

^sis, what if dual citizenship ka then half of the year nasa ibang bansa, then half of the year nasa Pinas for retirement, then na-ospital ka sa pinas during your vacation - possible ba na may makuha ka sa insurance mo?

Yes sis, makakakuha since Filipino citizen pa din naman,  wag lang mag exceed 6 mos sa abroad. If ma-hospital abroad makakakuha din.

^^Thank you so much sis! Naku po, wala ang pru life, bpi-philam and sunlife sa list.. Asked my agents before kasi ako kumuha, sabi nila pwede raw. Lalo na yung sunlife since meron daw nun sa canada. Hindi ko pa kasi nahalungkat yung policies hehe.

Kung life insurance mo yan na may critical illness rider, makakakuha naman talaga kahit sa abroad magkasakit.  Dadaan lang sa normal process ng pag claim ng insurance. Lump sum ang bigayan.  HMO/Medical insurance companies yung na mention ko sis,  bayad ang confinement kahit abroad ang piliin.

[crzysxycl]

^Thank you sa reply sis! Sorry, ff up questions lang.. "normal process" meaning kung nasa abroad ako at mag claim ako, kakailanganin ng SPA and the likes? Knock on wood, pero if death claim naman, makapag claim kaya without issues ang beneficiaries?