Lennett Deans - FWD Licensed Wealth Planner

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HEALTH CARD (HMO) or
LIFE & HEALTH INSURANCE? 🤔👇

There seems to be a lot of confusion when people talk about "health insurance”.

Technically, may dalawa kasing types of health assistance.

1. Health Card from a Health Maintenance Organization a.k.a. HMO (e.g. Maxicare, Medicard, Intellicare, etc.)

2. Life Insurance with Critical Illness Benefits from a Life Insurance Company.

People often ask kung alin ba sa dalawa dapat 'yung meron tayo?

These are 2 different kinds of insurances that serve 2 different purposes.

✨ HEALTH CARD (HMO)

📌 Pag may health card ka from HMO, babayaran nila directly sa hospital lahat ng gagastusin hanggang sa maximum limit ng plan niyo.

📌 Kasama dito ang check-ups, lab tests, doctors' fees, etc. Usually kaakibat nito ang PhilHealth.

📌 Ang HMO company na ang nagbabayad directly sa ospital ng bills, so wala ka nang ilalabas na pera. Pero usually maliit lang ito at hindi sapat ma-cover lahat ng gastos if ever magkaroon ng critical illness. Limited amount lang ang covered hanggang diagnosis lang.

📌 Hanggang 60 or 65 yrs old lang din usually ang coverage nito, at magagamit mo ang benefits sa accredited hospitals lang nila.

📌 The benefit is you don't have to worry about the amount of medical expenses na kailangan bayaran on the spot. Di mo kailangan maglabas ng cash pag na-emergency ka, o bigla kang naospital, o kapag magpapacheck up ka.

✨ LIFE INSURANCE WITH HEALTH BENEFITS

📌 Ang life insurance naman na may critical illness benefits, sa iyo ibibigay directly 'yung pera regardless kung magkano ang magastos mo sa pagpapagamot.

📌 Halimbawa, kung madiagnose ka ng sakit like cancer, heart attack, stroke, etc - ikaw mismo ang makakakuha ng pera. Sayo directly mapupunta yung cash, lump sum.

📌 Pwede niyo siya gamitin pangdagdag for treatments, or to replace the income na mawawala sayo.

📌 Coverage is usually until age 75 or 100, and the amount can range from Php 500,000.00 to Php 15,000,000.00.. You'll get this in cash if you get diagnosed with a critical illness.

📌 The benefit is, it's all up to you kung paano at saan siya gagamitin, basta ibibigay na lang sayo yung cash. Pwede mo 'to magamit kung gusto mo rin magpagamot sa ibang bansa, o para mag-avail ng treatments for critical illness na hindi na covered ng health card mo.

✨ WHICH ONE TO GET?

🚩 I believe that it's important to have BOTH. Yes, BOTH.

In the end kasi, they complement each other. Kung ano yung kulang sa isa, napupunan ng isa.

For health cards, usually kasama na 'to sa benefits from your company. So kung meron ka nang ganito from your employer - congrats! You don't need to pay for it out of pocket anymore. Double check mo na lang kung sapat ba yung benefits na offered.

For health insurance, very rare that employers offer this as a benefit. So it's highly likely that you have to purchase one for yourself.

✨ HOW TO AVAIL?

If walang health card yung employer mo or if you're a freelancer, you can get a health card directly from the companies themselves, just visit their websites. Or look for an accredited agent or broker.

For health insurance (life insurance with health benefits), you can contact me or you can comment below so we can design one that fits your budget and needs.👇

No one can really predict when illnesses or emergencies come (nor can we stop them). So some people decided to have both -

✅health card
✅life and health insurance.

Paying for healthcare may be expensive, but it’s something that's very useful to have (even though I hope that we would never need to use it). But still reality is most people get sick before they die. Better be prepared!

One plan. ✨
Multiple illnesses covered.
Cash benefits when you need it most.

Choose FWD Set for Health.🧡

Because your health deserves real financial backup.

Message me for free financial planning and let your health plan work smarter for you!🤗

Your future deserves protection.🧡

Life insurance is not an expense — it’s an investment in your family’s security and your financial growth. While you work hard today, let your money work for you tomorrow.

✅ Income protection
✅ Long-term savings & investment
✅ Financial security for your loved ones
✅ Peace of mind no matter what happens

The best time to start was yesterday. The next best time is NOW.

📩 Message me today and let’s secure your future.

Today is all about celebrating small wins and making smart choices for your future.
Alam mo, kahit gaano ka-busy sa work or family life, you still deserve a 𝐬𝐞𝐜𝐮𝐫𝐞 𝐟𝐮𝐭𝐮𝐫𝐞 𝐚𝐧𝐝 𝐚 𝐬𝐭𝐫𝐞𝐬𝐬-𝐟𝐫𝐞𝐞 𝐭𝐨𝐦𝐨𝐫𝐫𝐨𝐰.

So if wala pa sa checklist mo ang 𝐥𝐢𝐟𝐞 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞, 𝐞𝐝𝐮𝐜𝐚𝐭𝐢𝐨𝐧 𝐟𝐮𝐧𝐝, 𝐡𝐞𝐚𝐥𝐭𝐡 𝐩𝐫𝐨𝐭𝐞𝐜𝐭𝐢𝐨𝐧, 𝐨𝐫 𝐫𝐞𝐭𝐢𝐫𝐞𝐦𝐞𝐧𝐭 𝐩𝐥𝐚𝐧𝐧𝐢𝐧𝐠 baka ito na yung sign mo.

You don’t need to do it alone.
I’m here to guide you, one step at a time.

𝐋𝐞𝐭 𝐭𝐨𝐝𝐚𝐲 𝐛𝐞 𝐭𝐡𝐞 𝐝𝐚𝐲 𝐲𝐨𝐮 𝐜𝐡𝐨𝐨𝐬𝐞 𝐭𝐨 𝐰𝐢𝐧.

Message me anytime and let’s plan your next win together! 🧡

𝗠𝗮𝗻𝘆 𝗵𝗮𝘃𝗲 𝗮𝘀𝗸𝗲𝗱 𝗺𝗲: 𝗪𝗵𝗼 𝗶𝘀 𝗙𝗪𝗗? 🤔

FWD Insurance is a multinational insurance firm based in Hong Kong, providing a variety of insurance products such as life, health, and general insurance across several Asian countries. 📝✍️🛡️

In recent years, FWD has grown rapidly, establishing itself as a significant player in Asia’s insurance market. 🌏

FWD entered the Philippine market in September 2014 and quickly became one of the fastest-growing insurance companies in the country, offering a range of products and services to Filipino customers. 🇵🇭

𝙍𝙚𝙘𝙤𝙜𝙣𝙞𝙯𝙚𝙙 𝙖𝙨 𝙤𝙣𝙚 𝙤𝙛 𝙩𝙝𝙚 𝙩𝙤𝙥 𝙩𝙝𝙧𝙚𝙚 𝙡𝙞𝙛𝙚 𝙞𝙣𝙨𝙪𝙧𝙚𝙧𝙨 𝙞𝙣 𝙩𝙝𝙚 𝙥𝙝𝙞𝙡𝙞𝙥𝙥𝙞𝙣𝙚𝙨, 𝙁𝙒𝘿 𝙞𝙨 𝙖𝙡𝙨𝙤 𝙧𝙖𝙣𝙠𝙚𝙙 𝙣𝙪𝙢𝙗𝙚𝙧 𝙤𝙣𝙚 𝙞𝙣 𝙘𝙪𝙨𝙩𝙤𝙢𝙚𝙧 𝙚𝙭𝙥𝙚𝙧𝙞𝙚𝙣𝙘𝙚 𝙖𝙢𝙤𝙣𝙜 𝙞𝙣𝙨𝙪𝙧𝙖𝙣𝙘𝙚 𝙗𝙧𝙖𝙣𝙙𝙨. 💯

FWD is dedicated to delivering innovative, customer-focused insurance solutions to meet the diverse needs of individuals, families, and businesses in the regions it serves. 🧡

Because Your Future Deserves the Right Plan 🌟

Una sa lahat, walang “best plan” para sa lahat.
Ang meron lang ay best plan for YOU — depende sa age, goals, priorities at budget mo.

Hindi mo kailangan maging milyonaryo para magsimula. Ang kailangan mo lang ay tamang plano at tamang guidance. 🧡

Imagine being insured, prepared at secured habang binubuo mo ang future mo at ng family mo.

Curious ka ba kung anong plan ang bagay sa’yo?
Let’s talk! I’d be happy to walk you through your options. 🫶

Message mo lang ako anytime — walang pressure, usap lang.

👩🏻‍💼 Lennett Deans
🪪 Licensed Financial Wealth Planner

🌟 We’re looking for passionate and driven part-timers to join our growing team! 🌟

Position: Financial Wealth Planner

Company: FWD Life Insurance Philippines

Qualifications:
✅ College graduate (any course)
✅ Willing to be government-licensed
✅ Coachable and open to free training & mentorship

📩 Curious if this is for you? Message me today and let’s chat about !

Hello everyone! 👋

My name is Lennett Deans, and I’m a Licensed Life Insurance Agent at FWD Life Philippines. My mission is to help individuals and families become financially protected and prepared for the future.

Life can be unpredictable, but having the right protection can give you peace of mind and security for the people you love.

If you’re interested in learning more about life insurance, health protection, or financial planning, feel free to message me anytime.

I’d be happy to guide you. 🧡