Jeffrey Rafa,MBA CFPP, Financial Advisor

SUN LEGACY 2 - The CASH PROPERTY. Limited time offer only

Kung may pera ka sa bangko, nangyari na ba na pinadalhan ka ng cheke ng bangko na P86,000 once in every year for life til 100 yrs old?

This plan COVERS YOU LIFETIME kung saan insured ka na, may 86k pera ka pa na makukuha every year! At 2 years mo lang sya babayaran ha.

𝑭𝒐𝒓 𝒇𝒓𝒆𝒆 𝒇𝒊𝒏𝒂𝒏𝒄𝒊𝒂𝒍 𝒑𝒍𝒂𝒏𝒏𝒊𝒏𝒈, 𝒑𝒍𝒆𝒂𝒔𝒆 𝒔𝒆𝒏𝒅 𝒎𝒆 𝒂 𝒎𝒆𝒔𝒔𝒂𝒈𝒆 💌

Jeffrey Rafa,MBA,CFPP
𝓛𝓲𝓬𝓮𝓷𝓼𝓮𝓭 𝓕𝓲𝓷𝓪𝓷𝓬𝓲𝓪𝓵 𝓐𝓭𝓿𝓲𝓼𝓸𝓻
09063971349
[email protected]

Ever wonder that difference between HMO (or what other people know as, Health Card) and HEALTH INSURANCE.

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Madami akong nababalitaan na nagkakasakit, kaya maganda siguro pagusapan natin ang HMO at HEALTH INSURANCE. Ano ba ang pinagkaiba nila? Ano ba ang mga benefits nila?

Tara pagusapan natin! 😃

HMO🏥
📍Pag may health card ka from HMO, babayaran nila directly sa hospital lahat ng gagastusin hanggang sa maximum limit ng plan niyo.
📍Kasama dito ang check-ups, lab tests, doctors' fees, etc. Usually kaakibat nito ang PhilHealth.
📍Ang HMO company na ang nagbabayad directly sa hospital bills mo, so wala ka nang ilalabas na pera. Pero usually maliit lang ito at hindi sapat ma-cover lahat ng gastos if ever magkaroon ng critical illness.
📍Hanggang 60 or 65 yrs old lang din usually ang coverage nito, at magagamit mo ang benefits sa accredited hospitals lang nila.
📍You don't have to worry about the amount of medical expenses na kailangan bayaran on the spot. Di mo kailangan maglabas ng cash pag na-emergency ka, o bigla kang naospital, o kapag magpapacheck up ka.

HEALTH INSURANCE 🩺
💡Sa health insurance naman, sa iyo ibibigay directly 'yung pera regardless kung magkano ang magastos mo sa pagpapagamot.

💡Halimbawa, kung madiagnose ka ng sakit like cancer, heart attack, stroke, etc - ikaw mismo ang makakakuha ng pera. Sayo directly mapupunta yung cash, lump sum at malakihang amount ang usapan dito

💡Pwede niyo siya gamitin for treatments, lalo na kung critical illness usapan hundreds of thousands to million ang usapang treatment dyan or gamitin to replace the income na mawawala sayo kasi critically ill ka na and you can't work na.

💡Coverage is usually until age 75 or 100, and the amount can range from Php 300,000 to Php 3,000,000. You'll get this in cash if you get diagnosed with a critical illness.

💡The benefit is, it's all up to you kung paano at saan siya gagamitin, basta ibibigay na lang sayo yung cash. Pwede mo 'to magamit kung gusto mo rin magpagamot sa ibang bansa, o para mag-avail ng treatments for critical illness na hindi na covered ng health card mo.

💡Also, may health Insurance din na may amount ng pera ka na matatangap kahit hindi ka magkasakit.

WHICH ONE TO GET?🤔🤔🤔

I believe it's important to have BOTH.
Yes, BOTH.

In the end kasi, they complement each other. Kung ano yung kulang sa isa, napupunan ng isa.

For health cards, usually kasama na 'to sa benefits from your company. So kung meron ka nang ganito from your employer - congrats! You don't need to pay for it, out of pocket anymore. Double check mo na lang kung sapat ba yung benefits na offered.

For health insurance, very rare that employers offer this as a benefit. So it's likely that you have to get one for yourself and for your family.

HOW TO AVAIL?🧐🧐🧐
If walang health card yung employer mo or if you're a freelancer, you can get a health card directly from the companies themselves, just visit their websites. Or look for an accredited healthcare agent.

ctto

Every month, there's an online sale promotion. Here are some tips to fight impulse purchases. By adding more steps to your buying journey like having to manually type your card number again or needing to reinstall an app, it might dissuade you from spending when it is not for essentials. Remember, only do this when it's applicable for you. 😉