24/04/2026
Story time.
I was creating a quote for a client, and ang focus namin is getting a plan with Critical Illness coverage. As we all know, pamahal nang pamahal ang hospital bills, and pabata nang pabata ang mga nada-diagnose.
Disclaimer: This is not to scare anyone. Reality lang po.
So ayun, I initially offered one of my current fave from PRU, etong PRUHealth Prime. I really like this plan because pwede siya for kids. You can get coverage for your little one for as low as โฑ1,300/month.
I explained it to the client, but she said she also wanted something for herself, yung may protection na, may maiiwan pa for her family.
So I offered another favorite: PAA+. Itโs a lifetime payment plan, so since spread out ang payment, mas manageable ang premium.
Then I did my usual quote.
Most of my clients before, like 9-10yrs ago, they were in mid-20s to early 30s at that time, they were able to get a plan at around โฑ2,000/month for this coverage.
But this time?
The quote came out at โฑ3,700+ per month.
Clientโs age: 38.
โธป
What does this tell us?
Hindi fixed ang presyo ng protection.
Tumataas siya habang tumatagal tayong naghihintay.
Same plan. Same goal.
Pero ibang reality na agad pagdating sa timing.
Yung โฑ2,000/month dati, naging โฑ3,700+ ngayon. Walang nagbago sa intention, gusto pa rin natin ng protection for Critical Illness at may maiiwan sa pamilya.
Ang nagbago lang? Kailan ka nagsimula.
Grabe.
Dito mo makikita na hindi lang โmagkano ang budgetโ ang usapan. Mas malaking factor yung timing.
Because as we delay:
* tumataas ang risk
* tumataas ang premium
* at mas kumokonti ang options
And the truth is, hindi natin hawak kung kailan darating ang illness.
Pero hawak natin kung kailan tayo magpe-prepare.
If youโre thinking about getting covered, huwag mo na masyadong patagalin. Kasi minsan, hindi lang presyo ang tumataas, pati yung chance na ma-decline or ma-limit ang coverage.
Start when itโs still easy.
Start when itโs still affordable.
Start while you still have options.
Kasi darating yung point na ang tanong hindi naโฆ
โMagkano?โ
kundiโฆ
โPwede pa ba akong ma-cover?โ
