25/10/2025
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ARE HMO AND HEALTH INSURANCE THE SAME?
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🩺HMO (MediCard Philippines)
Purpose:
Para sa basic at preventive healthcare — like check-ups, lab tests, at confinement sa mga partner hospitals.
Coverage:
🩺Consultations (sa accredited doctors & clinics)
🩺Laboratory at diagnostic tests
🩺Hospital confinement (sa partner hospitals)
🩺Preventive care (like annual physical exam, etc.)
Paano gumagana:
Usually cashless sa accredited hospitals — hindi mo kailangan maglabas ng pera agad.
Pero limited sa partner doctors & hospitals.
Best for:
Employees o individuals na gusto ng regular healthcare at convenience.
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💰Health Insurance (AIA Philippines)
Purpose:
Para sa financial protection — kapag may major illnesses or big hospital bills.
Coverage:
💰Hospitalization (kahit hindi accredited hospital)
💰Critical illness (like cancer, stroke, heart attack)
💰Surgical benefits
💰Madalas kasama ng life & accident insurance
Paano gumagana:
Claim type — ikaw muna ang gagastos, then ang pera na nilabas mo ay ma-rereimburse kasama ng guaranteed cash benefits.
Mas malawak ang coverage, kahit sa abroad.
Best for:
Long-term protection at major medical expenses.
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I’m Kuya Rob, your Licensed Life Planner, helping you build a secure, healthier, and better life.
☎️ Contact me today:
👤 Facebook: facebook.com/robinsoncheever
📱 Mobile: 0930-519-0418
📧 Email: [email protected]
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HMO. Health insurance. Same thing, right?
Most people think they’re interchangeable, but they actually serve different purposes. They cover different things, and having both could mean better protection for your family.
Learn what sets them apart and why you might need both: https://bit.ly/AIAHealthVsHMO