16/03/2025
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! ๐
HMO๐ฅ
๐Pag may health card ka from HMO, babayaran nila directly sa hospital lahat ng gagastusin hanggang sa maximum limit ng plan niyo.
๐Kasama dito ang check-ups, lab tests, doctors' fees, etc. Usually kaakibat nito ang PhilHealth.
๐Ang 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.
๐Hanggang 60 or 65 yrs old lang din usually ang coverage nito, at magagamit mo ang benefits sa accredited hospitals lang nila.
๐You 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 ๐ฉบ
๐กSa health insurance naman, sa iyo ibibigay directly 'yung pera regardless kung magkano ang magastos mo sa pagpapagamot.
๐กHalimbawa, 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
๐กPwede 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.
๐กCoverage 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.
๐กThe 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.
๐กAlso, may health Insurance din na may amount ng pera ka na matatangap kahit hindi ka magkasakit.
WHICH ONE TO GET?๐ค๐ค๐ค
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?๐ง๐ง๐ง
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.
For health insurance, message mo lang ako, ๐
Your Financial Coach,
Romar Sanmocte
Licensed Financial Advisor
