06/01/2026
❌ You don't have an HMO.
❌ You're spreading a disease.
❌ And in case of an emergency—are you ready for the expenses?
How many times have you been rejected by an HMO?
👉 "Sorry po, pre-existing already. ”
👉 “1-year waiting period muna.”
👉 “Sorry, this is decline. ”
Sometimes, you also undergo a medical exam because it is required but still decline.
What about the ending?
🔸 Check-up when it's getting worse
🔸 Debt here, borrow there 😔
✨ REAL TALK:
Most HMOs and insurance, automatically decline if dreaded disease/critical illness.
And if it's a pre-existing condition, usually you will wait for 1 year before it will be covered.
💚 GOOD NEWS!
PhilCare just launched their newest health plans:
✔ Fine Basic Care
✔ Nice Plus Care
✔ Fine Elite Care
📌 Age eligibility: 18–65 y/o
📌 Annual payment starts at ₱16,255.68/year
📌 Pre-existing conditions? Covered agad on the 1st year!
▪ 50% of Maximum Benefit Limit (MBL) on the 1st year
▪ 100% of MBL on the 2nd year
📌 For dreaded/critical illness:
▪ 6 months waiting period, then 50% MBL covered
👉 You don't have to wait years to be covered.
👉 You don't need to borrow money when you're sick.
💬 Message me today to know which plan fits you best. 👇🏻
