life & health insurance for family of 3

[J.warner]

Sizzes please share your insights.

Im 30, hubby is 39, and we have a baby next year.

I was checking the other thread about insurance naguguluhan ako. Ang gusto ko kasi package na for family. May ganun ba?

Gusto ko sana kumuha nito next year. Gusto ko sana insurance na parang savings? Pwede ba yun for the whole family or individual lang? Parang narinig ko to before but not sure. I just want peace of mind that no matter what happens to any of us we are covered. Thankfully wala naman kaming sakit, pero syempre tumatanda na tayo need natin planuhin din mga ganitong bagay. Baka may ideas kayo you can just mention and i will research about it.  Thank you!

[FayeP]

^sis J.Warner parang wala pa nga ako narining na package for the whole fam, yung samin kasi Sunlife, pero solo solo pa din, one for me, for hubby and para dun sa dalawang malalaki ko (yung bunso ko at tong baby sa tyan baka saka na lang)...

yung samin maliit lang, tig 1500 per month kami ni hubby, then sa dalawang bata tig 1K per month....maganda naman coverage nya, may VUL din.

[D4thAngel]

Axa's new affordable health plan can cover a family of 3. Axa Health Start is a critical illness plan that can be a joint plan for spouses. Whoever gets a critical illness (stroke, cancer, heart attack), will be claiming the entire P1M sum insured. On top of this, 1 child is also covered for P200k. Some minor critical conditions will also apply. Premiums paid will be returned at age 75 if no  major claims. Technically, you are only saving a certain amount as your medical fund. at kung hindi naman magkakasakit, babalik lang din yung mga binayad mo. On top of these, may death benefit pa net of premiums returned. This plan is super affordable. Imagine a spouse in their 30's will only need to set aside P1950 every month  for a P1M critical illness or death benefit. A  very practical plan to supplement the  HMO's.