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Which is Better?
HEALTH CARD (HMO) or LIFE & HEALTH INSURANCE?

There seems to be a lot of confusion when people talk about "health insurance."

Technically, may dalawa kasing types of health assistance.

1. Health Card from a Health Maintenance Organization a.k.a. HMO (e.g. Maxicare, Medicard, Intellicare, etc.)

2. Life Insurance with Critical Illness Benefits from a Life Insurance Company.

People often ask kung alin ba sa dalawa dapat 'yung meron tayo?

These are 2 different kinds of insurances that serve 2 different purposes.

✨ HEALTH CARD (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 ospital ng bills, 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. Limited amount lang ang covered hanggang diagnosis lang.

📌 Hanggang 60 or 65 yrs old lang din usually ang coverage nito, at magagamit mo ang benefits sa accredited hospitals lang nila.

📌 The benefit is 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.

✨ LIFE INSURANCE WITH HEALTH BENEFITS

📌 Ang life insurance naman na may critical illness benefits, 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.

📌 Pwede niyo siya gamitin pangdagdag for treatments, or to replace the income na mawawala sayo.

📌 Coverage is usually until age 75 or 100, and the amount can range from Php 500,000.00 to Php 15,000,000.00.. 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.

✨ WHICH ONE TO GET?

🚩 I believe that 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 highly likely that you have to purchase one for yourself.

✨ 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 agent or broker.

For health insurance (life insurance with health benefits), you can contact me or you can comment below so we can design one that fits your budget and needs 👇

No one can really predict when illnesses or emergencies come.

Paying for healthcare may be expensive, but it’s something that's very useful to have (even though I hope that we would never need to use it). But still reality is most people get sick before they die. Better be prepared!

Stay healthy everyone! 🙏

Ctto

Don't settle with just one source of income. Multiple income streams is the new normal.

End the day with this thought in mind. Blessed Sunday Prudents!🙇‍♀️

Blessed Sunday everyone! Salute to all hardworking mothers! You are loved! ❤

You'll never know the importance of an insurance until you need it

AN ILLNESS(WHICH MAKES HER UNINSURABLE) AND WHAT SHE WENT THROUGH WITH HER PARENTS BECAME HER MOTIVATION TO INSURE OTHER PEOPLE. READ HER STORY
•
Taong 2008 nadiagnose si papa ng end stage renal disease. Kailangan niya ng kidney transplant. Eh wala kami pera kaya dialysis lang ang kaya namin pero sobrang mahal every week. Sinangla na ang bahay/paupahan, benta ng kotse, tapos utang ako doon at utang dito. Suki ako kay Ate baby noon at nagsasanla rin ako ng payroll ATM card, etc.😢

My siblings are all boys. May mga pamilya na. I can't ask for help financially kasi may mga priorities na. Unica hija ako. Kaya si mama ang katulong ko sa pag aalaga kay papa.

Taong 2010 at nag-decide ako to enroll sa PUP. Naging working student ako kasi para mas lumaki sahod ko. Dahil lumalaki na ang gastos. Nakoconfine na din si papa dahil sa mga complications.🥺

Mga 2012 ng bigla hinimatay si mama habang binabantayan si papa sa dialysis center. At ito naman ay dahil sa aneurysm. Noong ipinunta namin siya sa emergency room, the doctor asked for Php380k. So dagdag utang ulit kay Ate Baby. The night before the operation, nagputukan na mga ugat ni mama sa ulo. Comatose then brain dead na siya. 😭

Hospital bill was almost a million na. Life support na lang bumubuhay kay mama. Kinukulit na kami ng mga doktor na pirmahan ang papel kasi lumalaki lalo ang bill at wala na din ako pambayad. Diskarte na lang sa mga gamot. Lapit kay ganito at lapit kani-kanino. Pero I prayed for miracles. Wala sa kamay ko ang buhay ng mama ko. Nakay Lord.

Pero God really took her in His perfect time. I need to accept it.

So eto na naman:
Burial Php150k
Lupa sa Loyola Php110k
Pahukay Php32k
Araw araw na pagkain/kape sa mga nakikiramay nasa 3k din for 6days.

Sa huling lamay at dahil dumating na ang mga kamag-anak at naka-arkila na ng mga jeep para sa makikipaglibing kinabukasan.

Dalawa iniiyak ko habang nakatingin kay mama sa kabaong niya:
Una, sobrang sakit mawalan ng mama. Hindi maipaliwanag ang sakit.
Pangalawa, nagsosorry ako kasi baka hindi siya mailibing kinabukasan kasi kulang pa ako ng Php50k sa Loyola. Kailangan ng full payment bago ilibing.

Nairaos ang libing. A week after, naconfine si papa sa polymedic. Tapos every other week na dahil sa complications. Or should I say dahil sa lungkot.

Bill was Php200k minimum every confinement. Kailangan ko mas kumembot ng pagkakakitaan. Milyon-milyon na utang ko kay Ate Naby. Nagtitinda na din ako ng kung anu-ano sa opisina. Nag-aaral pa rin ako. Nagho-host ako ng party, nagdedesign ng mga lobo para may pangdagdag kita. Halos walang tulog kasi binabantayan ko pa si papa sa bahay or ospital.

When I was in church, someone told me about insurance. I was afraid na baka mas mauna ako sa papa ko. Kasi si mama malakas e. Walang sakit pero siya nauna kay papa. Paano na ang tatay ko? Mapapagamot ba niya sarili niya? Higit sa lahat, matutubos ba niya iyong bahay/paupahan namin? Di niya nga alam na nakasangla. Noong sinabi niya na may Php1M si papa kapag nawala ako,pirma agad. At least may panggastos si papa ng ilang taon kung mauna ako.

Taong 2013 was the very hardest year of my life. Bago ako umalis kailangan nakalinis, nakaluto na, ready na gamot na iinumin sa isang araw. May mga label para dadamputin na lang ni papa. To the point na nabubuhat ko ang isang malaking oxygen tank dahil di makahinga si papa.

Kapag naliligo mabilisan, kasi kailangan nakikita ko kung ayos ang oxygen ni papa. I had to file a leave. Pag medyo ok na si papa, nakakapasok na ako. Pero di ko na magawa ayusin sarili ko. Pagkaligo, ipit na agad ng buhok na naging buhol buhol na buhok ko kasi di ko na nasusuklay for 2yrs.

I had to resign. Kasi ang utak ko ay nasa bahay lagi. I can't concentrate on training my trainees sa BPO. So networking, hosting, balloon designing, benta dito benta doon ang naging karera ko.

Until God took him on 2015. I felt na ibang tao ako kasi di ko na kilala anong buhay ba meron ako. I only knew about sa mga utang na kailangan ko bayaran. Kaliwa, kanan, harap, likod, taas at baba may utang ako.

As usual, pakiusapan sa pagbabayad so I can only pay little by little kasi kailangan ko sila bayaran lahat or else magagalit sila ng todo sa akin. Pati ospital na nakapromisory note, unti-unti din ang bayad.

No choice. Laban! Trabaho doon, benta dito. Diskarte kung saan saan. Until nakaraos sa bayarin.

Taong 2016 when I finally decided to rest my body. Bayad na ang mga utang. Natubos na ang bahay at paupahan namin.

I didn't know that I was depressed until the ER doctors told me so. I was diagnosed with major depression disorder and panic attack disorder. I was suicidal because of the pain of losing my parents.

Panic attack -dahil natapos na ang paghihirap at hindi kinaya mag-adjust ang katawan ko sa adrenaline na sobrang taas dahil sa dami ng problema. Nervous breakdown, nanginginig or parang lagi ako hihimatayin.

I was praying to God. I always asked Him ano ang gusto niya gawin ko sa buhay ko. Definitely, hindi ako pwede magsuicide. Hindi ko Siya makakasama sa kabilang buhay. Magnenegosyo ba dahil kahit paano nakakaipon na ako or mag-eempleyado ulit.

Until Paul who is a Financial Consultant sent me a personal message. Nag-ooffer ng insurance. Sabi ko meron na ako. Pero nagtanong ako sa kanya kung paano maging tulad niya.

Why did I asked?

It was there when God showed me the importance of insurance.

KUNG MAYROON ISANG TAO NA MAKULIT, MAKAPAL ANG MUKHA AT NAGKUWENTO SA AKIN NG INSURANCE, NOONG MALAKAS PA MGA MAGULANG KO, AT KINULIT AKO KUMUHA, HINDI KO SANA DINANAS LAHAT NG PAGHIHIRAP.

Yes, it was too late for me but not to the people I'm about to meet pa.

SEE? I HAD NO TIME TO MOURN. I WASN'T GIVEN A LUXURY TO GRIEVE kasi I need to work and work until I paid all my obligations.

Until nadepress na ako dahil nadelay ang grieving process.

So clear ang purpose ko. God answered my prayer to become an insurance agent. To give blessings to other people through it.

I never stopped getting a policy every year. Go ng go! Para di madanas ng mga kapatid ko ang hirap if something happened to me.

Not until June 2017. After receiving the HMO or health card for National Achievers Club incentive, tinupad ko ang pangarap ko na magpa-general check up.

I was diagnosed with Polycystic Kidney disease. Hereditary siya. HINDI NA AKO INSURABLE KAHIT ANO PA MANG MGA INSURANCE COMPANIES. 😩

Ang masakit? Naturingang insurance agent ako pero hindi ko na maiinsure ang sarili ko.

I had to process it. Accept it. Prayed. God puts me here on purpose.

Hindi ko man maiinsure ang sarili ko. God gave me the power to insure others. And that's the power I posses!

Avenger Black widow. Char!

Haha actually si Super Woman talaga gusto ko char e 🙂

Labaaaaaaaaan!!!
•
Thank you for sharing your story Maria Catindig and we hope through your story, we can inspire a lot of people.
•
How about you, what is your biggest “why”?




📌Interested with HMO, health card or medical insurance for you, your family, company or employees? 🏥 Just fill out bit.ly/healthcardsph or message directly at 0915-612-3365 for faster response.
🔹
📌Going to travel? ✈️ Message us for a travel insurance at 0915-612-3365
🔹
📌Do you want to have life insurance, critical illness insurance, education funder, retirement funder or pure investment? 💰 Just fill out bit.ly/prudentfinancialplan or message directly at 0915-612-3365.
🔹
📌Looking for benefits for your employees such as group term insurance, key person insurance, or retirement funder? 👨🏻‍💼👩🏻‍💼 Message us at [email protected] or at 0915-612-3365
🔹
📌Or wanna join us and be a part-time online Financial Advisor? 🧑🏻‍💻👨🏻‍💻 Fill out bit.ly/HustleAtHome2022

👇🏽👇🏽👇🏽
BILLE CRISTIANE TEMANEL
👀 Founder and Content Creator of The Prudent Generation
🧑🏻‍💻 Financial Advisor
📈 Chief Investment Advisor
💼 Assistant Unit Manager
📥 http://m.me/cb.temanel
👤 Facebook.com/cb.temanel
📧 [email protected]
📱0915-612-3365
📲 +63-977-725-7981 (WhatsApp/Viber/Telegram)

Are you looking for a full-time or part-time job?

JOIN OUR GROWING TEAM OF FINANCIAL ADVISORS!

QUALIFICATIONS
o Male/Female: 20 - 35 years old
o College Graduate
o With or without experience

INCOME BENEFITS & INCENTIVES
o Unlimited Income Potential
o Travel Incentives Domestic and International
o Quarterly and Annual Bonuses
o Flexible Time

Pm me for more details

Q&A with Chinkee Tan

(Zoom webinar on Term insurance vs Variable insurance, April 29, 2020, 4pm-5pm):

Q: I’m 40yo with 2 kids. Anong suggestion mo na bilin ko for my kids, term or VUL?
A: If u have excess money, you can buy policies for your kids. BUT if limited ang funds, protect yourself first. Insure yourself first. You always cover the breadwinner muna.
Sa airplane, ang adult ang mas pinoprotektahan dahil kapag ang nag-pass-out yung adult, hindi mapoprotektahan ang anak. Same thing with insurance.

Q: What are the disciplines I need to build my emergency fund?
A: Believe me, automation is the key. Make a formula, a percentage formula. Ito yung ginagawa ko ever since I started earning:
50% of my monthly income goes to my basic expenses
25% of my monthly income goes to savings and investments and business
25% I spend kung saan ko gusto
Yan sinusunod ko, regardless of the amount of my income.

Q: Is it wise to have both term and VUL?
A: Complicated discussion ito ah. To make it simple, I have both. I have VUL para sa long term. But I also have term para lumaki pa coverage ko habang nag aaral mga anak ko ngayon. Lahat ng mortgages ko (car and home), nakacover yon through term insurance. Pero pag natapos na ang payment years ng mortgages ko, di ko na kailangan ng term non. And tapos na din mga anak ko mag aral non. So by that time, I can let go of my term insurances. At ang mahal na ng premiums ko non. Pero in terms of my retirement fund, ang pangcover ko don ay VUL.
(In short, ang purpose ng term ko ay: higher insurance coverage for the meantime (habang may car/home loans ako and habang nag aaral mga anak ko.
Ang purpose ng VUL ko: retirement fund and permanent life insurance).

Q: I availed of VUL 3 yrs ago. Now the market is down. So my Fund Value is down by almost 30%. I’m worried.
A: Ano ba ang time horizon ng investment mo? Did you invest for just 3 years? Or for 10 years? It’s just the 3rd year. You won’t lose money until you sell. You’re not selling naman. So wag ka mabahala. You’re not losing any money now. Paper loss lang yan. Nasa 3rd year ka pa lang. Eh 10 years to pay yang plan mo diba, or even longer. In fact, this is the best time to add more premiums. Sabi ni Warren Buffet: when everyone is afraid, be greedy. When everyone is greedy, be afraid. When the market is down and there’s no business, be greedy; dun ka mag invest, dun ka bumili ng mga bahay na low-priced at bagsakan sa presyo. When the market is up and everybody’s happy, be afraid. That’s not a good time to invest.

————-

How to compute for your peace of mind (life insurance):
1. Multiply monthly expenses x 12
2. Add 0.

Sample:
P20k ang monthly expenses mo.
Multiply it by 12 (months).
It becomes P240,000.
Add 0.
It becomes P2,400,000.

Yan ang ideal life insurance coverage mo (worth 10 years of expenses mo, para magsurvive ang family mo for the next 10 years kahit wala ka na.)

———-

Final message
We’ve been through worse times: Pinatubo, Yolanda, earthquakes.
Keep the faith. We’re a resilient race.
What this covid made us realize is we can live on basic things.
For more than 40 days, all of us haven’t eaten in fancy restaurants or bought frappucino.
We now realize ano yung mga mas mahalagang bagay like health and family.

This is the time to adjust. How can I adapt? How can I adjust? How can I adjust my finances to this kind of lifestyle? How can I adjust my business?
Don’t refuse to change. If you do not change, you will die.
Don’t be afraid to re-invent.
This is the best time to think, to be creative. Ask God for guidance.
There are opportunities. Kailangan lang natin mag isip and be creative and be willing to experiment, to adjust, to change.

Isa ka rin ba sa ayaw sa insurance? Basahin mo eto.
•

HUWAG KA GUMAYA SA AKIN KAIBIGAN.

Hello!

So, naisip ko lang isulat itong post na ito dahil sa naghahanap na naman ako ng mga one time yearly insurance na pwede ko bayaran sa darating na payday ko.

Ang hirap.

Hindi ako kagaya ninyo na anytime pwede lumapit sa mga insurance agent at sabihin na gusto ko magsimula na maghulog o mag-ipon.

Hindi na kasi ako INSURABLE.
A little bit kuwento about my life (sana huwag ka ma bored) hahaha. I was 29 years old ng nagkasakit ako. Isang araw nasa hospital ako at tinatanong ng doctor kung may insurance daw ba na pwede magcover ng gastos for medication. Confident, sabi ko meron po! Iyong sa company namin. Bakit po?

Ang insurance pala sana ang magsasalba sa mga bayarin sa hospital, salin ng mga dugo, at mga bayad sa check-up dahil nawalan na rin ako ng work at ang reason - not fit to work.

Sa kasamaang palad, company insurance pala ang meron ako na covered lang ay accident within range and while at work. Wala kasi akong alam sa insurance at medyo allergy din ako sa salitang iyon noon. Kaya ayon!

Bigla ko naalala na may mga friends na pala ako na gusto ako makausap at bigyan ng oras i-educate. Pero I keep on saying busy ako, hindi ko priority at bata pa naman ako. Hindi man lamang ako nakinig sa gusto nila sabihin.

Fast forward nakaraos naman sa naging challenge pero marami akong nai-sacrifice na material na bagay, mga naipon, mga dating lifestyle at higit sa lahat mga relasyon dahil sa kailangan ko maka-survive.

Masakit at mahirap. Opo.

Pero napakabuti ni Lord kasi alam ko pinaranas niya sa akin iyon para sa kanya lang ako umasa at hindi kung kanino o lalo na sa sarili kong lakas. Sa kanya ako kumapit at wala ng iba. Higit sa lahat para turuan din ako ng leksyon sa buhay.

Isa sa unang ginawa ko ng maging maayos na ang health ko, nag-training as financial advisor.

Sabi nga ng nanay ko, galit kasi ako sa pera, di ako marunong mag-ipon at totoo YOLO ako sa pag-aakala na lagi akong malakas.

Tinanggap ko sa sarili ko na failure ako pagdating sa pera kaya gusto ko mag-aral.

Ngayon, paunti-unti na akong natututo at ang masaya nakakatulong din pala ang kwento ng buhay ko. Lagi ko lang sinasabi "huwag na huwag kayo gumaya sa akin"…

- Kung may kaibigan ka na gusto ka itreat ng kape dahil gusto ka tulungan magbudget o magplano mag-ipon, pagbigyan mo. Libre naman iyan! Huwag kang pabebe kasi para sa iyo iyan at hindi para sa kanya. Mararamdaman mo naman kapag binebentahan ka lang o may concern talaga sayo.

- Kung wala ka pang bilib sa insurance at nasa isip mo bata ka pa, hello may COVID 19 na baka bukas kailanganin mo na friend.

- Kung hirap na hirap ka pa talaga at lagi mo sinasabi yung linya ko na hindi pa priority! Eto kasi yan, kulang ang kinikita mo at ayaw mo mag adjust so isa sa pwede mo gawin ay mag part time financial advisor ka. Bakit? Kasi libre matuto at dyan din machange ang mindset mo. Mararamdaman mo nalang may panghulog ka na sa insurance na dati pangarap mo lang para sa pamilya mo.

- Kung ang pagmamahal mo sa pamilya na maiiwan mo ay malaki kailangan mas marami kang insurance na iwan para sa kanila. Hindi sapat ang isa. Lalo na kapag gusto mo na maayos ang buhay nila.

- O kung wala ka pang pamilya pero malaki ang pangarap mo, ayan dapat doble rin ang pag-iipon. Sure ako makakamit mo yan kasi kayang icompute ng mga FA yan dahil pinag-aaralan nila lahat ng iyan. Magtiwala ka lang.

Sana sa post ko na ito, kung tinapos mo basahin… kaibigan kausapin mo ang mga financial advisor na matagal ka ng kinukulit. Puso sa puso at huwag kang mahiya magpakatotoo. Umpisahan mo na ngayon.

Huwag na huwag ka gagaya sa akin. OK?

Nagmamahal. Divine (ang dating ayaw sa insurance).
•
Reposted with permission from Ma’am Leodivine Quizon



Interested on having insurances, just fill out bit.ly/prudentfinancialplan

Interested to be a part-time Financial Advisor, kindly fill out bit.ly/HustleAtHome2021

ECQ? Don't get confined in the four corners of your home. Find a good book to read and see yourself somewhere else....

“If insurance is expensive, try critical illness.”-Sanjay Tolani



Have a critical illness insurance, just fill out bit.ly/prudentfinancialplan

Be an Insurance Advisor, fill out bit.ly/HustleAtHome2022

YES, this is for FREE! Especially, for healthcare worker friends and frontliners in the 🇵🇭 . Get your FREE covid-19 insurance coverage.

• Open to all FIlipinos residing in the Phils, 18-64 yo
• Not applicable for PUI/PUM/Covid-19 positive

Steps:
1. Download Pulse, just follow this link
https://onepulse.page.link/Vow3g5oeFi22qzaRA
2. Register. Make sure to have an active email.
3. On the home tab, Click "Covid-19 and Personal accident coverage post."
4. Register your details (Make sure to have a valid ID number, could be SSS/PRC/ TIN/ passport)
5. Submit! Designate your beneficiary.
6. You will receive an email with your policy certificate

Stay safe and be PRUtected 😊

Blessed Sunday Everyone!