01/04/2026
Story from valued client...
Na-confine ang father ko last year. Buti na lang covered sya HMO ko, ₱150K coverage. Akala namin okay na… hanggang nakita namin ang total bill: ₱900K+.
Doon mo marerealize, hindi sapat ang HMO.
Kung HMO lang meron kami, saan namin kukunin yung kulang na ₱750K+? Utang? Benta ng ari-arian?
But here’s the difference…
May health insurance siya.
Naka-claim kami ng ₱1.5M.
Hindi lang nabayaran ang hospital bill, may natira pa para sa recovery, gamot, at peace of mind.
Lesson?
Hindi ito HMO vs Insurance.
HMO pays the hospital.
Insurance pays YOU.
At sa totoong buhay, hindi ka dapat pumipili.
Dapat parehas.