Alyansa Secured Councilors Where Awardees, MDRT's, and Future MDRT's, Meet

HMO industry Updates:

TOP 5 HMO LOSER
Jan-June 2023
1. MediCard
2. MaxiCare
3. Asalus or intellicare
4. ValueCare
5. Pacific Cross HealthCare

TOP 5 LOSER YEAR 2022
1. MediCard Philippines
2. MaxiCare HealthCare
3. Insular HealthCare
4. EastWest HealthCare
5. ValueCare

TOP 7 HMO LOSERS
(Yr 2022 & Jan-June2023)
1. MediCard 1.678 Billion
2. MaxiCare 1.677 Billion
3. Intellicare 148 Million
4. ValueCare. 102 Million
5. Insular HealthCare 71Million
6. East-West Health 54Million
7. Pacific Cross HealthCare 48.11Million

OTHER HMO LOSERS
*HealthCare & Dev't Corp.,
Health Delivery System, Forticare, Optimum Medical, Asian Care, Carewell, ...

Caritas Health Shield is on Receivership Status by I.C

CareHealth Plus Systems had a Cease & Desist Order by the(IC) insurance commission

Posted For Awareness

For Detailed information
About The HMO industry

And To Check The Financial Status
Of Your HMO Provider/s
Kindly Check My FB Page: Alyansa Secured Councilors Where Awardees, MDRTs, and Future MDRTs, Meet.

HMO industry Updates (Out of 29)
1 is in Receivership
1 is in Cease and Desist Order (CDO)

HMO Losses Php1.186 Billion from
January to June 2003 (Maliban pa Dito Yung year 2022)

TOP 5 LOSER (Jan-June2023)
1. MediCard Philippines
2. Maxicare HealthCare
3. Intellicare or Asalus Corp.
4. ValueCare Health Systems
5. Pacific Cross HealthCare

Sa Mga Nagpi PM sa Akin o nagDiDirect Message or Clients na
Di Po Kasama Dito inoOffer ko
(Liability is only 39% Against Assets)
Acid Test is 1:1 Yung HMO ko na inoOffer ko is 1:2.56
1peso utang ; 2.56peso Ang kaban
HMO is in Existence for More 20yrs.

https://www.facebook.com/profile.php?id=100091958620107&mibextid=ZbWKwL

Alyansa Secured Councilors Where Awardees, MDRT's, and Future MDRT's, Meet Organization of Top Most, Highly Professional HMO / insurance Affiliates.
(Trusted, Skilled, Devoted)

AFTER PANDEMIC

HealthCare industry
And The Pandemic Effect

Long Term HealthCare
Status, Actions, & Concerns

INSURANCE / HMO
is A NECESSARY EXPENSES
Kahit Anong Gawin Mo Pa - ibabawas at ibabawas mo pa din iyan Sa Cash Flow
Kung MagkaGayon ANG NARARAPAT NA PAMANTAYAN Gaya Ng Pamantayan Sa Lahat Ng Gastusin ay alinman Sa Dalawa
Tanggalin o Pababain
Dahil Necessary Expenses o Kinakailangang Gastusin Marapat lamang na Yung PinakaMura Ang kukunin na AKMA o Angkop na Sasagot Sa iyong Maaaring Kailanganin
Kung Kayat Unang Una Aming IMINUMUNGKAHI Ang TermLife insurance,
MicroInsurance at Cooperatives Benefits...

Sa HealthCare Naman
Iactivate Ang PHILHEALTH
Kung Manggagawa o Empleyado Maghanap Ng Papasukang Kompanya na may FREE HMO Benefits o Di Kaya Shared o Contributory Premium Ng HMO Benefits

Kung FreeLancer
Avail the Most Affordable HMO that matches your Specific Health needs

Real Food is Different From Supplements
Real Food is Also Different from Processed Foods

So Also With Life insurance and HMO
is Different from your Life and Health Too

Am Elden Dellima
Been in the insurance industry since 2003 (National Awardees to 2Known insurance Companies) NonLife Agent 2004
With HMO since 2007

Now Am The Head of ALYANSA SECURED COUNCILORS Where Awardees, MDRT's, and Future MDRT's Meet.

My Focus Now is ONLY HMO

Mission First Before Commission
Is My Motto Ever Since
ThanksCare !!!

Agreee
Am An HMO Agency Head
Kung Kulang Sa Budget
Make Sure Activate Your PhilHealth
Then Have an Emergency Card or
Prepaid HealthCards

Kung MagwoWork Sa Company
HUWAG HANAPIN MATAAS NA SWELDO
iPrioritize Mo MAGANDANG BENEPISYO
PhilHealth, SSS at FREE HMO

Aanhin Mo Mataas na Sweldo
Kung Stress ka Todo Sa Trabaho
Pag Ikaw Nagkasakit at Madala Sa Hospital
Ng Pilit at Pikit, Panigurado Singkwenta Mil
(50K) Mo - Ay Sobrang Liit

Ang Tanong
Ngayon Ba
May 50K ka ba?
Pamalit kung Ikaw
Ay MagkakaSakit ?

50K is Still 50K
Malaking Pera
Pa Rin iyan ...

A PICTURE IS WORTH
A THOUSAND WORDS

The Most Affordable
Full Complete Comprehensive
HealthCare Coverage in the industry
*OutPatient
*InPatient
*Medical Diagnostic Laboratory Test
*Annual Physical Exam
*Dental Care
*Accidental insurance
*Financial Assistance (Loss of Life)

FB Page:
Alyansa Secured Councilors
Where Awardees, MDRT's and
Future MDRT's, Meet

OFFERS ONLY GOOD
TILL END OF SEPTEMBER
(HOPING TILL END OF 2023)

ANO NGA BA ANG PEC or PRE-EXISTING CONDITIONs na karaniwang tinatanong Ng karamihan kapag kumukuha ng HMO o HealthCard at Tinatanong Din Ng mga insurance companies kapag may nagtatanong patungkol Sa Health insurance at Medical insurance?

✅ A PRE-EXISTING CONDITIONS is an ILLNESSES which Existed BEFORE Getting an HMO Coverage

✔️ DisAbility are Excluded in the HMO Coverage. All EXCLUSIONS are PEC, But Not All PEC are EXCLUSIONS. That Particular illnesses or Diseases in the EXCLUSIONS List are Not or is Not Eligible for an HMO Coverage (Waived)

✅ The Existence of a Pre-Existing Condition can be Medically Determined given its natural history or the manner of development of a disease, which means you may or may not be aware of its symptoms or "recurring signs"

✅ Pre-Existing Conditions are also those that are known to you because you have felt its signs and symptoms regardless whether you had seek Medical Attention in a Health Centers, Medical Diagnostic Clinics, Hospitals or NOT

Note: Kung Sa Insurance industry AY may 2years Contestability Period, it is A Common Practice Naman Among HMO Providers o HealthCard Companies na Hindi iko-Cover ang PEC sa 1st Year ng pag-Avail mo nito (whether it's an individual or a "Family plan")
May ibang HMO Company Naman na may Partial Coverage in the 1st Year of Membership

Mayroon din Emergency Only PEC Coverage.

Kung ikaw naman ay Isang manggagawa at may PEC Coverage ang HMO Plan ng Company nyo, ang PEC ay ikocover ni HMO Provider Sa Unang Taon pa Lang (Terms and Conditions Apply)

Kung may mga katanungan pa Regarding HMO, Health Insurance, Medical Insurance...
FEEL FREE TO ASK ME

Am With the insurance industry since 2003
With the HMO since 2007, Been A HealthCard Counsellors And as Agency Managers of Several HMO Providers Since then

Am The Head of ALYANSA SECURED COUNCILORS Where Awardees, MDRT's, and Future MDRT's, Meet.

A PICTURE IS WORTH
A THOUSAND WORDS

The Most Affordable
Full Complete Comprehensive
HealthCare Coverage in the industry
*OutPatient
*InPatient
*Medical Diagnostic Laboratory Test
*Annual Physical Exam
*Dental Care
*Accidental insurance
*Financial Assistance (Loss of Life)

FB Page:
Alyansa Secured Councilors
Where Awardees, MDRT's and
Future MDRT's, Meet

HMO / HealthCard Presentation
@ Central Bank Building (Manila)
DEPARTMENT OF FINANCE !!!

A PICTURE IS WORTH
A THOUSAND WORDS

The Most Affordable
Full Complete Comprehensive
HealthCare Coverage in the industry
*OutPatient
*InPatient
*Medical Diagnostic Laboratory Test
*Annual Physical Exam
*Dental Care
*Accidental insurance
*Financial Assistance (Loss of Life)

Alyansa Secured Councilors Where Awardees, MDRT's, and Future MDRT's, Meet

A PICTURE IS WORTH
A THOUSAND WORDS

The Most Affordable
Full Complete Comprehensive
HealthCare Coverage in the industry

HEALTHCARD CLIENTS
A PICTURE IS WORTH
A THOUSAND WORDS

A PICTURE IS WORTH
A THOUSAND WORDS

As They Had Said
A PICTURE IS WORTH
A THOUSAND WORDS

As They Had Said
That
A PICTURE IS WORTH
A THOUSAND WORDS

As They Had Said
That A PICTURE
SPEAKS A THOUSAND WORDS

AYAW KO Sanang Gawin ito
Ang MagPromote (Kahit Ng Sarili Kong inoOffer na HMO)

SINCE Ginagawa nang Adverts Ng Karamihang Licensed Financial Advisor itong Advocacy Group na FREE FINANCIAL LITERACY GROUP
Sa Halip na Mag-Educate at Sagutin Tanong

MAGBIBIGAY AKO SAGOT

PAKATANDAAN: Sa PAGKAKASAKIT, HOSPITAL CONFINEMENT, LABORATORY DIAGNOSTIC TEST et al -> HMO o HealthCard Ang KASAGUTAN at HINDI Health insurance with Critical illness na inoOffer Ng Anumang Life insurance companies

PARA MAKALIBRE Ng HMO o HealthCard
PUMASOK Sa mga Kumpanya na may Pa-Libreng HMO o With Minimal Contribution Gaya Ng Sa Ginagawa Nila Sa Philhealth Mo

KUNG FREE LANCER, VA, WFH o Entrepreneur ka Naman
PLEASE ACTIVATE YOUR PHILHEALTH FIRST
Then Kumuha ka Ng HMO Mo Sa 1CoopHealth
12pesos A Day lang : Sa HMO ko 32pesos/Day

Para Sa inyong Insurance Protection
Php365 Yr: 1Million Pesos Accident Death and
Permanent Disability Plus 20K Accidental Death Cash Burial Assistance
Php2,250 Yr: 1Million Pesos Accidental Death and Disability Benefits Plus 100K Cash Burial Assistance of Any Cause or With 100K for Terminal illness Benefits

Php4,340 1CoopHealth HMO
Php2,250 Accident insurance (Prioritized)
Php. 365 Accident insurance (Enhancement)
TOTAL Php6,955 ONLY for 1Year Coverage
Pwede Php2,250 ->Total Php9,205 ENHANCED
(With 200K Terminal illness Benefits na ito)

KUNG KAYA PA NG BUDGET (35yrs old)
ADD Php2,400 = Php11,605 para Naman may Maiiwan Sa Family Mo na 710K kung Mamatay man Sa Natural na Kamatayan o Di Kaya
Php3,530,000 Kung Accidental Death
(With 200K Terminal illness Benefits na ito)

OR KUNG KAKAYANIN PA (35yrs old)
FOR A TOTAL OF 24K in Case of Death
Php4,530,000 Accidental Death or
Php2,710,000 Natural Death (Life insurance)
(With 200K Terminal illness Benefits na ito)

THIS IS THE POWER OF BTID STRATEGY

Php11,605 Annual
*HMO Benefits
*Php3.53 Million Pesos Accidental Death & D.
*Php710,000 Life insurance Benefits !!!
(With 200K Terminal illness Benefits Pa ito)

24K ANNUAL
*HMO Benefits
*Php4.53 Million Pesos Accidental Death & D.
*Php2.71 Million Pesos Life Insurance Benefits
(With 200K Terminal illness Benefits Pa ito)

That's The Power of BTID
Thats The Benefits Ng Scouting
(*NOTE: I Just Withheld Some info so as not to promote them as it had come to our knowledge na Ginagamit lang nila itong Advocacy Group pero ipipilit pa Rin Yung papabor Sa Kanila)

Di ko Makita Yung Sa Isang Company
Supposedly Wala pang 24K ito dapat

NOTE: Am The Head of ALYANSA SECURED COUNCILORS Where Awardees, MDRT's, and Future MDRT's, Meet.
*Been to insurance industry since 2003
NonLife 2004; HMO 2007;MicroInsurance 2014
*And NOW ONLY Offers HMO (if ever na di pa Available 1CoopHealth Sa Place Nyo)

ALL ABOUT HMO O HEALTHCARD

And Why it Benefits A Lot

WARNING !!!
SERYOSO ITO !!!
NAKAMAMATAY !!!

May Life Insurance Policy ka ba?
VUL ba Ang kinuha mo?

Iilan lang Ang mga ito
Sa Libu Libong Reklamo
O Panghihinayang na
Tinatanggap ko/Namin
Araw-Araw (Nakakasawa na nga eh)

"KUNG MALI ANG PUNDASYON
PAANO PA ANG ITATAYONG GUSALI"

May I do Suggest
Consider Your Jobs Too
Kung Wala iyang FREE HMO
At Kumakain pa Ng Oras Sa Travel Time mo
Dagdag pa Ng Transportation Cost
Start mo nang magCompute
Kung may naiiwan Nga ba Sa iyo

Dahil Most of Communal Cooperatives
Requires Availability at Daming Training na inoOffer for FREE
Ang Pera mo Sa Coop ay TAX FREE
kaya mas Mataas % na Makukuha mo

Sample
700 Salary mo
200 Transpo at Snacks
100 Food Allowance mo

Naiwan Sa iyo 400
Sabihin natin 10hrs ka Sa work mo
Work time plus travel time
Ibig sabihin 40pesos per hour ka
Let say Mali computation ko
50pesos per hour Okay Sa iyo?
60pesos per hour? 80?

Paano na kung Wala Kang FREE HMO
Paano na Kung Mahigit 10Hours ka pa

TIME and Availability is Critical
Consider Also Your Health

Baka sabihin nyo Kasi o ISIPIN
Na pinoPromote ko lang HMO
Kasi HMO Agent Ako

Like you to know 2007 pa Ako Sa HMO
Panahong Sobrang Hirap iAlok Ng HMO
Dahil Healthy pa Karamihan Sa mga Pilipino
Ngayon Nagsulputan na "Critical illness"

IHIP Ng Financial Market
Ahahaha

Alyansa Secured Councilors Where Awardees, MDRT's, and Future MDRT's, Meet

ALYANSA is an Organization Composed of 2MDRTs, an MDRT Qualifier, Most were National Awardees in the Insurance / HMO industry and Other Known Professionals...

With at least 5years Solid Experience and had Shown Exemplary Performance in their Chosen Field of Expertise ...

(NOTE: Million Dollar Round Table Membership Or MDRTs is The Sought After Recognition of Every Licensed Professionals in the insurance industry, You May Know Them as Licensed insurance Consultant, Financial Planners and or Financial Advisors) (Registered Financial Planners or RFP is Another Title, So With Certified investment Solicitors or CIS)
MDRTs are Recognized Worldwide ...

Am The Head of ALYANSA and A Moderator of FB Group Usapang Social Investments, Term/micro insurance at btid strategy A FREE FINANCIAL LITERACY GROUP
Where-in the Admin and Moderators Had No Financial interest, (EXCEPT ME hahaha) AN ADVOCACY GROUP TO EDUCATE FILIPINOS About Social Investments Like Cooperatives, SSS WISP PLUS, PAG-IBIG MP2s and the likes With 22K Members and Growing - What A Great Feat and Achievement for A 1year Old Group

DATI RATI "Manakawan Ka Na, Nang Sampung Beses, Huwag Lang Masunugan"

SA NGAYON "Masunugan Ka Na Nang Sampung Beses, Huwag Ka Lang Manakawan (IDENTITY THEFT) Or Else
Mahihirapan Ka Nang Bumangon Muli ...

SCAMMERS SCAM PEOPLE BY STEALING SOMEONE'S IDENTITY, EVEN BANKS AND OTHER FINANCIAL INSTITUTIONS WERE FOOLED TOO ...

ALYANSA SECURED COUNCILORS
Trusting Loyal Clients

7 Things You Should Know
Before Joining IMG
https://booksbudgetsandpets.com/img-membership-benefits-fees/

Our Training Materials
Back Then ... 2003-2010

This is How We are Being Trained
And Educated in The insurance industry

SA TOTOO LANG
MAHIRAP NGA BA
ANG PILIPINAS ?
SA PILIPINAS ?
HIRAP UNAWAIN EH

Exchange Rate
Philippine Peso to U.S Dollar = Php55.05
Philippine Peso to Euro. = Php58.39
Philippine Peso : Switzerland= Php59.23
Philippine Peso to U.K Pound= Php66.45
Philippine Peso to Honkong D= Php 6.93
Philippine Peso to China Yuan= Php 7.19

PERO NUMBER 1 WORLD ECONOMY
Ang United States of America at
NUMBER 2 WORLD ECONOMY Ang CHINA ?!

Exchange Rate Uli
Philippine Peso to indian Rupee =Php0.68
Philippine Peso to Japanese Yen=Php0.389
Philippine Peso to S.Korean Won=Php0.035
Philippine Peso to Cambodia. =Php0.014
Philippine Peso to Indonesian R. =Php0.0037
Philippine Peso to Vietnam Dong=Php0.0024

GRABEH PALITAN NA ITO OH
WALA PANG PISO, SENTIMO LANG
PERA NILA KUMPARA SA ATIN
PERO Mas Mataas Economy Ng Japan at South Korea Sa Atin ?!
AT DUON Prefer Ng mga Pinoy Magtrabaho?!
PERO Mga indiano Sa Pilipinas NagneNegosyo

MABABA na PALITAN Sa Peso, at Mababa pa Ekonomiya Ng Vietnam, Cambodia, Indonesia
Kesa Sa Atin PERO Dun pa gusto Magtrabaho Ng mga PILIPINO ?! Yung iba tuloy nagiging BIKTIMA Ng SINDIKATO "Human Trafficking"

ETO PA! EXCHANGE RATE ULI
Philippine Peso to Taiwan = Php 1.54
Philippine Peso to Thailand= Php1.44

Mataas Lang Pala Ng Konti Pera Ng Taiwan at Thailand Sa Atin eh, PATI Ekonomiya Ng Taiwan at Thailand Di Naman Ganun Nalalayo Sa Atin eh

PALAISIPANG EXCHANGE RATE
Philippine Peso to Singapore = Php39.53
Philippine Peso to Canada = Php39.44
Philippine Peso to Brunei = Php35.
Philippine Peso to New Zealand=Php34.66

Philippine Peso to UAE =Php15.19
Philippine Peso to Qatar. =Php15.32
Philippine Peso to Saudi =Php14.88
Philippine Peso to Malaysia =Php12.09

NAGTATAKA AKO DAHIL Kung Gusto Ng PILIPINO Magandang Kaperahan Bakit Sa Canada pa, na Malayo, TaaS Pamasahe, iba Klima at Kultura, Eh Nariyan Naman Ang Singapore na Malapit, Daling Puntahan Ng Mahal mo Sa Buhay at Pareho Klima, PAREHO DIN NAMAN PALITAN NG PERA SA PISO

Ah Dahil Sa Maisasama mo Family mo Balang Araw ? Eh Nandiyan Naman New Zealand

GANUN DIN SA MIDDLE EAST
Bakit pa Sa Saudi, Samantalang Di Hamak na Mas Safe Sa Isang Pinay Ang UAE Mas Mataas pa Ng Konti Exchange Rate

Sa Malaysia, Malapit Lang Din
Then Pwede pa "Tawid" Singapore

Oh PILIPINAS
Oh PILIPINO

NAGTATAKA AKO

VUL ba Kamo ?
Mas Prefer ko ANG INSURANCE + B.E.F
Na Program Namin Dati MAS BENEFICIAL

INSURANCE + B.E.F (Optional)
This B.E.F or Benefit Enhancement Fund
was Launched Sept. or Oct. 2003
(VUL Started 2004 By PruLife U.K)

Insurance Side Muna Tayo ha'
Sum insured Php300,000
Annual Php7,304.18 for 20years
(Product Limited Pay Whole Life)

Termination Value = Living Benefits
May Terminate Any Time Desired/Wanted

Analysis:
*Terminate The Plan Age 56 (15yrs After)
Php7,304.18 × 15yrs = Php109,562.70
Guaranteed Cash Value = Php75,900
Losses Php33,672
PaConsuelo de bobo insured for 15yrs for Php300,000 for ONLY Php2,404.47 Annual
BALIK PERA Php75,900 or 69.28%

POTENTIAL GAIN: Age 56
*Living Benefits Php123,926 - Php109,562.70 =Php14,363.30 or 13.11% or .94% per Annum

*Terminate The Plan Age 60 (19yrs After)
Php7,304.18 × 19yrs = Php138,779.42
Guaranteed Cash Values = Php113,100
Losses Php25,679.42
PaConsuelo de bobo insured for 19yrs for
Php300,000 for ONLY Php1,351.54 for 19yrs
BALIK PERA Php113,100 or 81.5% (not bad)

POTENTIAL GAIN: Age 60
*Living Benefits Php196,082 - Php138,779.42
=Php57,302.58 or 41.29% or 2.17% per Annum

Benefit Enhancement Fund (Optional)
The Client Decides and Deposited Php3,000
Annually For 5yrs for A Total of Php15K B.E.F

Age 55 BEF Termination Value
Php40,421 - Php15K = Php25,421 or an increased of 169.47%

Age 60 BEF Termination Value
Php44,392 - Php15K = Php44,392 Resulting to
Interest Gain of 295.95%

POLICY RULES: IF WITH B.E.F Total Living Benefits includes BEF.
Client May Opt to Get BEF without
Affecting the Insurance Benefits

Those with VUL Plans may Noticed that The B.E.F Returns is not that High as Compared to
VUL Projected Returns, Though BEF Returns is Not Guaranteed STILL it's A Realistic Yield

VUL Fund Value When Withdrawn or Found to be Not Enough Affects Your Insurance Protection Benefits

While in BEF The Client May Fully Withdrawn the BEF Value Without Affecting the Insurance Protection Benefits

IN OTHER WORDS
VUL insurance Benefit is NOT GUARANTEED
Kahit Mag Top Up ka pa! Same Treatment din!
While in
Traditional INSURANCE + BEF the Insurance Protection Benefits is GUARANTEED !!!

EWAN KO BA' Bakit Ginusto Ng mga PILIPINO Nuon Ang Tunog Sosyal na "Investment" o VUL

This is One of The Reasons Why
The So Called "oldies" "Traditional" "Veterans" insurance agents do not like VUL Plans ...

The Limited Pay Whole Life
Is One of The Insurance Plan
Na Nawala to Give Way to VUL

GANITO KAGANDA
ANG ENDOWMENT PLANS NUON
(Ngayon Ayy Nakuh)(Kayo na humusga)
Note: Existing Policy pa ito

ENDOWMENT PLAN DESIGN
For CHILD's EDUCATION
Huwag na nating Pag-usapan
Ang insurance ni Payor and Child

PERA PERA LANG MUNA USAPAN ha'

Annual Payment: Php55,348
5Yrs. TOTAL Payment: Php276,740

BENEFITS: Option 1 (Ginamit)
Total Aggregated Funds Received: Php500K
Graduation Benefits Fund: Php276,740

Pansin nyo Total nyang Hinulog na Php276,740
Ibinalik as Graduation Gift then kumita pa Pera
Ng Php500,000 that's 180.67% TUBO NG PERA

GUARANTEED PINAG-UUSAPAN NATIN HA'
(So Kumusta Naman Kaya VUL Nyan)

BENEFITS: Option 2 (Investment: Waiting eh)
*GUMANDA NEGOSYO NI KLIYENTE or
*SCHOLAR SI ANAK FREE TUITION FEE

TOTAL MONEY RECEIVED: Php666,830
Graduation Benefit Funds: Php276,740

KINITA Php666,830 That's 240.96% TUBO
(So Do You Think May Appeal Ang VUL ?)

GUARANTEED PINAG-UUSAPAN NATIN HA'

Because of VUL
Tinanggal Ganitong Mga Plano
This is an Endowment Type of Plan

Maraming Klase
Ng Vitamin C

1. Organic Vitamin C
2. Synthetic Vitamin C
*Ascorbic Acid
*Magnesium Ascorbate
*Calcium Ascorbate
*Sodium Ascorbate
*At Mixed or Combined with other vitamins

LAHAT NG VITAMIN C AY MAGANDA
ANG TANONG: ANO YUNG AAKMA
Sa iyong Pangkalusugang Pangangailangan

Ganuon Din Naman
Pagdating Sa Mga
Investment Vehicles,
HMO / Health Card
At insurance Products
Maging Sa TermLife insurance

Alam Naman Po Natin
Na Mas Beneficial Ang Organic
Sa Investment Vehicle Naman
Maituturing na "Organic" and
Cooperatives Share Capital at Services
So With SSS WISP at PAGIBIG MP2
And Some Precious Stones (Gold, Silver, Tin, 💎) and Natural Resources (Land, Water, Fuel)

Kung kayat imumungkahi ko Po
Na inyong Basahin Mga Post
At Komento Dito at PakaAralin

HEALTH CARE INSURANCE
A FRUITFUL GUIDE - A MUST

KiatKiat is to PrePaid HealthCard

CITRUS is to PhilHealth (A Must Have)
ORANGE is to HMO (A Must)
PONKAN is to CoopHealth
Lemon is to Medical insurance

Dalandan is to Kaiser-IMG
Dalanghita is to Critical illness

YOU WANT and LOOK for ORANGE (HMO)

KiatKiat Looks like and taste like an Orange
But it's Small in size than an Orange, Prepaid HealthCard is like KiatKiat Small and Limited in Coverage - Isang Subo Nga lang kung Minsan

Orange and PONKAN Taste and Looks like One and are Similar in Size, Orange is Bright in Color and with Thin Skin Than A Ponkan is
Generally HMO had More and Wider Coverage than CoopHealth which Can only be availed by CoopMember with Cooperatives Affiliated with 1CoopHealth

Dalandan and Dalanghita Looks like and Taste the Same - AND Strikingly Different from Oranges in Taste and Color (Still You may lured to think it's an Orange when Ripened)

Hope this "Allegory" Helps
For More Information
Sent Me A Message

Ask ko lang - is the Hospital income benefit Rider attached to Critical illnesses?
-is it attached to Accidents?
-is it attached to Any or All illnesses?
-how many days will HIBR will take effect?

Accidental Death and DisAblement is OK
-Still Needs to know if Scheduled Benefits

Yet I doubt that there is a Scheduled Benefits
For there another rider, which is

Accidental Total and Permanent Disability

Grabeh, Tinadtad Ng Riders Which are So UnNecessary
*Accidental Total and Permanent Disability
*Murder and Assault Benefit
-Tapos Ang liit pa Ng Amount
-Buti na lang Di Mahal Ang Premium/s