Apollo Pablo - FWP

💰 Main Coverage:
• ₱11,000,000 Life Insurance Coverage
Protection up to age 100 years old
• ₱2,000,000 Guaranteed Milestone Increase
Added benefit that increases your coverage without medical check-up requirements.

⚕️ Supplementary Benefits:
• HealthPro – ₱800,000 coverage for major critical illnesses up to age 75
• SafetyPro – ₱500,000 accidental death and disability coverage
• SurePro for Insured – Provides waiver of premium if the insured becomes totally disabled

💳 Premium Details:
• Basic Premium: ₱70,000 per year
• Supplementary Benefits Premium: ₱36,187.96 per year
• Total Annual Premium: ₱106,187.96
• Total Regular Premium (with charges): ₱111,111.48
• Payment term: 10 years only

For around ₱9,259/month, you get:
✅ ₱11M life coverage (instant pamana)
✅ ₱800K health protection
✅ ₱500K accident coverage
✅ Additional ₱2M milestone increase benefit
✅ Coverage up to age 100

For only ₱9K+ a month, you can leave behind an ₱11M instant pamana and lifetime protection for your family.
Because real love means being prepared — today, tomorrow, and beyond. 💛
”

Please take time to read 🙏📖 sad pero helpful a little bit

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.

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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.

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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/1203553008478136/

SSS + Retirement Plan = 💯% Life hack💪 Lets explore more options for you 🧡

Shout out to my newest followers! Excited to have you onboard!

Jay Obial, Len Nhidz del Valle, Argie Miranda, Fernando Junior, Cherrymae Averin, شونيلا فيرير