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Product Comparison

Alarming Health Realities...


  • - In 20 years, the elderly will outnumber the youth by a ratio 4:1
  • - Aging workforce is the biggest economic challenge over the next decades
  • - Heart disease is the number one cause of mortality in the Philippines
  • - Medical inflation hits nosebleed levels, 3-4 times economic inflation
  • - Cost of medicines in the Philippines is 600% higher than our neighboring Asian countries
  • - Health conditions in the Philippines remain among the poorest in East Asia
  • - More and more people die not because of no doctor or no medicine but because of money

Short Term Healthcare

TRADITIONAL HMO

Long Term Healthcare

HEALTH SAVINGS ACCOUNT

Renewal not guaranteed if with high claims

Renewal is guaranteed

Yearly increase of premium

Fixed premiums for 7 years

Generally, no insurance coverage some provide insurance, but very low coverage

With Four (4) Way Insurance Coverage up to the Long Term healthcare Plan:

  • - Term Life
  • - Accidental Death and Dismemberment
  • - Waiver of Installment due to death
  • - Waiver of Installment due to Permanent and Total Disability

No accumulation of unused health fund

All unused health fund accumulates with interest

No return of premiums (ROP) for non-utilization

With returns of premiums up to the contract price for non-utilization during the paying period

Covers only up to age 60

Covers beyond age 60 with long term care yields *

Pre-existing illness is not covered during the 1st year and lifetime / permanent exclusions may be issued on the 2nd year onwards

Pre-existing is not covered during accumulation period. No exclusions after the 7th year of coverage *

Inflexible, non-transferable benefit design

Flexible, transferable, and may be redated benefit design

Reinstallment is limited only within 30 days of lapsed policy

Reinstallment within 2 years of lapsed policy

Access to non-accredited physicians and medical network is not covered

Access to non-accredited physicians and medical network is covered after the 7th year

Out-patient medicines and cosmetic treatments not covered

Out-patient medicines and all illness including cosmetic and maternity are covered after the 7th year *

Continuous yearly payment terms

Seven (7) years or spot-cash payment options

Anxious, worrisome and insecure healthcare status after employment or during retirement years

No worries...