30/08/2021
Remember the first step to Financial Foundation? Health Protection.
How do we address this? You can do this by having enough health insurance coverage. Sa Pilipinas, walang isang insurance ang mako-cover ang lahat ng health concerns.
Eto ang mga kailangan mo para magkaron ng comprehensive health coverage:
1. HMO para sa preventive maintenance, confinement, dental and outpatient benefits. Halos lahat naman ng HMO limited lang kasi ang benefits up to 120,000 at ang coverage is normally up to age 60. Buti ngayon meron ng HMO na up to 1million ang coverage and pati senior citizens up to 65 years old pwede.
2. Health Insurance kung saan makakatanggap ka ng Daily Hospital Income for every day of confinement. Eto yung pamalit sa mawawalang income sayo kapag ikaw ay na-ospital lalo na kung ikaw ay walang magagamit na leave credits sa kumpanyang pinagtatrabahuhan mo.
3. Critical Illness Insurance para naman sa mga matitinding sakit gaya ng cancer, heart attack, stroke, kidney failure, terminal illness at iba pa. Eto naman yung makakatanggap ka ng cash benefit if ever you are diagnosed with a critical illness. Meron ka na instant money pampagamot.
Unfortunately, not all people can afford all these. Napakamahal magkasakit kaya mas mainam habang ikaw ay bata pa protektahan mo na ang sarili mo at ang iyong pamilya. Kelan ka pa magpapa-insure? Pag ikaw ay matanda at sakitin na? Naku baka di ka na ma-approve.
The best time to be insured is TODAY while you are still young and capable.