15/01/2026
๐ธ๐๐ฎ๐ฌ๐ญ ๐๐จ๐ง๐ ๐ฐ๐ข๐ญ๐ก ๐จ๐ฎ๐ซ ๐๐๐๐๐ ๐๐๐๐๐๐๐ธ
No one plans to get sick. But everyone who got sick wished they planned.
Get critical illness insurance today.
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Ano ang diffrence ng CRITICAL ILLNESS at HMO?
๐๐ฒ๐ฎ๐๐ต๐ฐ๐ฎ๐ฟ๐ฑ ๐ผ๐ฟ ๐๐ ๐ข (๐๐ฒ๐ฎ๐น๐๐ต ๐ ๐ฎ๐ถ๐ป๐๐ฒ๐ป๐ฎ๐ป๐ฐ๐ฒ ๐ข๐ฟ๐ด๐ฎ๐ป๐ถ๐๐ฎ๐๐ถ๐ผ๐ป)
= Para sa Checkups at Emergencies
- Usually, covered ang checkups, lab tests, opd at confinement basta sa accredited hospitals ka pupunta.
- Limited ang coverageโmay maximum limit per year (halimbawa, โฑ100k coverage lang, if individual pwede 250k).
- Mostly binibigay ng employers (pero pwede rin kumuha nang personal).
- Hindi mo ito pwede ma-encash, diretso sa hospital ang bayad.
Example: May HMO ka na โฑ300k coverage, tapos naospital ka at ang bill mo ay โฑ250kโibig sabihin, sagot lang ng HMO ang โฑ250k, tapos ikaw na bahala sa kulang.
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๐๐ฟ๐ถ๐๐ถ๐ฐ๐ฎ๐น ๐๐น๐น๐ป๐ฒ๐๐ ๐๐ป๐๐๐ฟ๐ฎ๐ป๐ฐ๐ฒ
= Para sa Mas Malaking Gastusin at Long-Term Protection.
- Mas malawak ang coverageโusually pang critical illness benefits (e.g., cancer, heart attack, stroke etc).
- Pwede mo itong ma-encash (halimbawa, may โฑ1M critical illness benefit ka, makukuha mo ito in full upon diagnosis).
- Kahit saan ka maospital, covered ka, hindi partner ang mga hospitals, ikaw lang ang partner ni Pru.
- Ikaw mismo ang kukuha nito, hindi ito dinadaan sa employer.
Example: May critical illness insurance ka na โฑ1M coverage . Kapag nagka-cancer ka (knock on wood!), bibigyan ka ng โฑ1M cashโkahit saan mo gusto gastusin, ikaw ang bahala!
๐ฆ๐ผ, ๐ฎ๐ป๐ผ ๐ฎ๐ป๐ด ๐๐ฎ๐ฝ๐ฎ๐ ๐ ๐ผ๐ป๐ด ๐ฃ๐ถ๐น๐ถ๐ถ๐ป?
โ
Kung may HMO ka na from work, good! Pero tandaan, may limit ito at mawawala kapag nag-resign ka.
โ
critical illness insurance naman, personal mong pag-aari kahit magpalit ka ng trabaho, hindi ka mawawalan ng protection.
โ
Mas okay kung meron ka both!
๐๐ก ๐ฆ๐๐ข๐ฅ๐ง
HMO = Sagot ang checkups at hospital bills (pero may limit).
Health Insurance = Sagot ang major illnesses at mas malalaking gastusin (kahit saan or paano mo gusto gamitin) and ung after care. Dahil paglabas mo ng hospital mag stay at home ka pa rin para sa pagpapagaling mo.
Hope this helps! Feel free to send me a DM kung may additional questions ๐