Elizabeth Estrella - Sun Life Financial Advisor

27/05/2022

23/05/2022

"These are the other key concepts about Health Protection:

1. Money to cover your medical expenses in case of an accident, critical illness, hospitalization, and long-term care.

2. PhilHealth and SSS won’t be enough.

3. HMO has its upside vs Health Insurance plans: cashless or no upfront payment.

4. Hospital Income Benefit (HIB) can defray your expenses when you have no employer-paid medical benefits.

5. Critical Illness Benefit (CIB) is a must even if you have HMO since it can provide you with flexible funds to counter the restrictions of HMO."

"Your health is like a treasure, look after it."

If you would like to check for a comprehensive health insurance, PM me now! ☺️

11/05/2022

Hindi pa tapos ang laban!!!
Pwede ka pa mag avail sis,
let me educate you (financial security)
Panalo ang may insurance! 😁

21/03/2022

Never hate Monday 😍

19/03/2022

Ano ba yung sinasabi naming brighter life?

1. Pursuing Dreams
Yung sigurado ang future ng anak mo kasi kahit may unexpected na mangyari, may fund para sa pag-aaral nya.

2. Happy old age
Merong retirement fund. Kung malaki ang naipon o naging fund value, maaari pa nga mag retire ng maaga. Bilang magulang ayaw din naman natin ipasa ang burden sa mga anak natin.

3. Great Love
Nung nagkasakit ka, hindi bill ang main concern nila, ang focus nila ay maaalagaan ka ng maayos buti nalang may health insurance ka.

4. Leaving a Legacy
Yung may iiwan kang bahay o negosyo sa mga anak mo. Hindi mo ibinenta kahit nagkasakit ka kasi may health insurance ka naman. Hindi rin nahirapan mag claim ng mga pamana ang mga mahal mo sa buhay kasi even inheritance tax nila na-ready mo na.

Yes! deserve din ng pamilya mo ang brighter life. Message mo ma ko 🙂

18/03/2022

Tuloy lang 💪

14/03/2022

"Inquire ako ng Insurance"
Yes, message me now.

Katulad ka din ba ng iba na gusto mag start ng insurance pero wala pang budget?
Message ka lang 🙂 at least you have the goal in mind. Ang hirap mag plan ng walang idea.

Planning needs specific numbers.
Anong pag iisipan mo kung hindi mo pa naman narinig yung benefits at value ng insurance.

08/03/2022

Some terms to remember:

01/03/2022

HOW DOES HEALTH INSURANCE WORK?

Let me illustrate an example.

John is a 30 year old male, non-smoker. He himself doesn’t have any existing medical conditions, but heart disease runs in their family (parents and his older sibling). Although he personally maintains a healthy weight, his diet doesn’t have restrictions – and he eats all kinds of food heartily (including all oily and fatty foods). He also has a very stressful working environment. After a discussion with his financial advisor, John decided to gift himself with health insurance, through a Sun Fit and Well Advantage policy.

The plan he got for himself is a 20 year paying policy, with P33,360/year premium (or P92 a day). 5 years later, John got the shock of his life as without warning - he suffered an acute heart attack. With God’s grace he survived, but he would need immediate treatment and hospitalization right away.

Where does his Sun Fit and Well Advantage policy enter into the picture?

Upon diagnosis of the acute heart attack, John immediately qualifies for his insurance coverage of P1,000,000. This means that upon his doctor’s conclusive diagnosis, he and his family can already file for this claim.

After 5 years of payment, John only paid P33,360 x 5 = a total of 166,800. With his critical illness coverage of P1M, the value for his money amounts to a difference of P833,200.

Apart from the P1M insurance claim, John gets additional:

- Hospitalization income of P1,250 per day (twice the amount if ICU), maximum of 90 day confinement

- Post-hospitalization benefit

- Home recovery daily benefit x length of hospital confinement

And probably the biggest benefit of it all, is that John wouldn’t have to touch his income, savings, credit card or his family or parents’ funds. The P1M insurance claim + all the other supporting benefits helped him get the best treatment possible, and made him recover fully and quickly.

Advantage of health insurance is even if John finished the 20 year payment without getting sick, that would still be P33,360 x 20 years = P667,200. With an insurance amount of P1M that covers him until age 100, the benefit is still way more than what he paid.

And that is what insurance is all about. So that we protect ourselves from the unexpected, and so we can focus on brighter things ahead.

If you wish to discuss health insurance, you can message me for details.



Proud Sun Life Advisor,
Elizabeth G. Estrella

24/02/2022

Hope this helps💛