AXA-Emz insurance

04/12/2025

Gusto mo ba makamura
At 1Millon sum insured!
Try nio po Health start

31/10/2025

May anak ka? Get insurance.
May asawa ka? Get insurance.
Single ka pero breadwinner? Get insurance.
May binabayaran kang bahay o lupa? Get insurance.

At kung single ka pa pero alam mong someday ikaw rin ang magpo-provide—mas lalong dapat.

💡 Get insurance with critical illness coverage.
Para kung sakaling magkaroon ng health emergencies, hindi maubos ang ipon mo, hindi mabenta ang assets mo, at hindi ka magiging burden sa mga mahal mo sa buhay.

Ang insurance ay hindi lang para sa may pamilya, para ito sa proteksyon, peace of mind, at future mo. ✨

If nothing happens (which is the best case!), may fund value, cash value, or dividends pa rin — depende sa plan na kukunin mo.

📩 Message me, and I’ll explain everything for FREE.

Let’s plan for life’s “what ifs” habang kaya pa at healthy ka pa. ♥️

30/10/2025

Sa health start
Pede kau joint acct!
Siblings
Spouse
Mas mura!

27/10/2025

Gsto mo ba maintindhan..
Pm mo ako usap lng tayo!..
No commitment

27/10/2025

Looking HMO..pm me

23/10/2025

Maganda basahin..


𝗕𝗮𝗸𝗶𝘁 𝗸𝗮𝗶𝗹𝗮𝗻𝗴𝗮𝗻 𝗺𝗼𝗻𝗴 𝗮𝗹𝗮𝗺𝗶𝗻 𝗸𝘂𝗻𝗴 𝗽𝗮𝗻𝗼 𝗻𝗮𝗴𝘄𝗼𝘄𝗼𝗿𝗸 𝗮𝗻𝗴 𝗣𝗛𝗜𝗟𝗛𝗘𝗔𝗟𝗧𝗛 𝗺𝗼?

Last May 2024, naoperahan ang wife ko due to ovarian cyst.
It was an ovarian cystectomy...isang surgery na tatanggalin ang bukol sa o***y

That's so unexpected.
Nakakapraning.

Salamat sa Diyos, successful ang operation

Pero eto na, nung dumating yung bill.

Total Bill: ₱170,613.20

Buti nalang, sabi ng staff:
“Covered po kayo ng PhilHealth.”

Akala namin laking ginhawa na 'yun.
Then we saw the bill.

📄 Total Bill: ₱170,613.20
📉 PhilHealth Coverage:
₱13,910.00 - Room for 4 days and Medicines
₱16,380.00 - Professional Fees

₱30,290.00 - Total Philhealth Coverage

Napakamot talaga ako sa ulo.

So I started digging. And here’s what I found. 😮
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𝗙𝗜𝗥𝗦𝗧 𝗧𝗛𝗜𝗡𝗚: 𝗣𝗛𝗜𝗟𝗛𝗘𝗔𝗟𝗧𝗛 𝗗𝗢𝗘𝗦 𝗡𝗢𝗧 𝗖𝗢𝗩𝗘𝗥 𝗘𝗩𝗘𝗥𝗬𝗧𝗛𝗜𝗡𝗚

PhilHealth has a Case Rate system.
Every illness or procedure has a fixed coverage.

For example:

*Pneumonia (moderate risk): ₱29,250
*Dengue: ₱10,000
*Cesarean Section: ₱37,050
*Cholecystectomy: ₱60,450

You can check here for the actual case rate:
https://www.philhealth.gov.ph/services/acr/
*above mentioned are just examples (It depends on the case rate)

So kung bill mo ₱60,000 at ang case rate ay ₱15,000
That’s the max they’ll cover.

You shoulder the rest.

_____________

PhilHealth isn’t like a typical health card.
You don’t swipe and expect "fully covered".

It helps, YES.... pero kung ‘di mo alam paano siya nagwowork,
pwede kang ma-shock sa bayarin.

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𝗧𝗢 𝗚𝗘𝗧 𝗧𝗛𝗘 𝗙𝗨𝗟𝗟 𝗕𝗘𝗡𝗘𝗙𝗜𝗧𝗦, 𝗗𝗜 𝗣𝗪𝗘𝗗𝗘 𝗟𝗔𝗡𝗚 𝗠𝗔𝗚𝗛𝗨𝗟𝗢𝗚 𝗞𝗔 𝗡𝗚𝗔𝗬𝗢𝗡

For employed or voluntary members:
You must have at least 9 months of contributions in the last 12 months before confinement.
Otherwise… sorry.

For senior citizens:
They can be automatic members, but they still need to register & submit docs to be eligible.

_____________

Here's what you can do today:
✅ Check your contributions sa PhilHealth Member Portal.
✅ Kung self-employed or OFW ka, consistently maghulog.
✅ Ask your HR kung updated ang remittance mo.
✅ Prepare a Member Data Record (MDR) and valid ID palagi.

_____________

Don't expect magic coverage. WALANG GANON.

PhilHealth is helpful, pero hindi sapat kung malaki ang bill.

You still need:
• Emergency fund
• HMO (if you can)
• Critical illness or health insurance

_____________

For years, I thought PhilHealth = peace of mind.
Pero now I know: PhilHealth = partial aid lang.

Still thankful… and still humbled.

Let’s share this with others, lalo na yung mga walang HMO or insurance.

Because financial preparedness is not just for saving money...
It’s about protecting your family when it matters most.

We all deserve peace of mind.

God bless sa mga taga-bayad sa ospital. 🙏

Stay strong!!!

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*No Balance Billing not applicable.

You can also check here all DOH hospitals accredited by NBB
https://www.facebook.com/DOHgovPH/posts/tingnan-listahan-ng-mga-doh-hospitals-sa-bansasa-doh-hospitals-bayad-na-ang-bill/12035530084781

23/10/2025

Apply na habang bata pa!

Health start!

Ibabalik ang byad mo after at may built in child coverage..pde po joint acct. Mag asawa or mgkapatid 1M insured!

Or pde ka mamili

“𝐒𝐭𝐢𝐥𝐥 𝐥𝐨𝐨𝐤𝐢𝐧𝐠 𝐟𝐨𝐫 𝐭𝐡𝐞 𝐫𝐢𝐠𝐡𝐭 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞?”

1. Income Protection
Kapag bigla kang nagkasakit, na-disable, o nawala ang breadwinner
👉 hindi kailangang ma-paralyze ang budget ng pamilya.
➡️ Example: Term life or health insurance.

2. Family Security / Protection
Para sigurado na kahit anong mangyari sa’yo, may maiwan sa pamilya mo.
➡️ Example: Life insurance with death benefit.

3. Education Fund
Ginagamit ng mga magulang para siguradong tuloy-tuloy ang pag-aaral ng anak kahit anong mangyari.
➡️ Example: Education insurance or investment-linked plan.

4. Savings or Emergency Fund
May mga plan na may guaranteed cash value — puwedeng gamitin sa future needs o emergencies.
➡️ Example: Traditional life plan with savings component.

5. Retirement Fund
Perfect para sa mga OFW o freelancers na walang SSS pension —
para pag-uwi, may steady income kahit wala nang work.

6. Investment & Wealth Building
Kung gusto mong palaguin ang pera mo habang protected ka,
insurance with investment (VUL).

7. Legacy or Estate Planning
Para maipasa mo sa pamilya ang assets mo nang maayos at tax-free.
➡️ Example: Whole life insurance for estate transfer.

Gusto mo rin malaman alin ang bagay sa’yo?
💬 Message me!

20/10/2025