Daniel Caisip - Financial Wealth Planner

28/08/2025

Did you know that HMO and Health Insurance have different roles?

👉 HMO (Health Maintenance Organization) is usually given by the employer. You're covered for check-ups, lab tests, confinement, and various basic medical needs — but often there's a limit or cap per year. When it's all gone, you'll catch the cost again.

👉 Health Insurance, your personal investment. This gives bigger coverage for critical illness, long-term hospital needs, and even cash benefit that you decide which one to use — for hospitalization, bills payment, or financial assistance while you are recovering.

So if you have an HMO, that's a good start! But if you also have Health Insurance, double protection and your future is more secure. They're tandem, like seatbelt and airbag, both are necessary to give you full protection. 🚑🧡

18/07/2025

14/07/2025

"Whatever you do, work at it with all your heart,
as if working for the Lord, not for men, because you will receive your reward from the Lord if you do well."

Colossians 3:23-24

29/05/2025

Prepare yourself against life uncertainties.

Here in FWD, you can claim up to 3x for major critical illnesses. Ask us how.

With the rising costs of medical supplies, a majority of the country’s private hospitals have begun implementing a 15-percent increase in hospitalization rates. https://tinyurl.com/ms439zhc | via ONE News