Financial Advisor, PRU Life UK-Ghie Oropesa

HEALTH INSURANCE vs. HEALTH CARD (HMO)

Which is more beneficial?

Madalas tinatanong ako ng mga clients kung alin ba sa dalawa ang dapat meron tayo? Madalas kapag employed, kuntento nang may HMO. Pero what if we already consumed the maximum limit of the card? What if we’re no longer affiliated with the company? What if magkaroon tayo ng critical illness? Are you willing to consume all your hard-earned money?

No one can really predict when illnesses or emergencies may come. So better to have both -
✅ Health Card (HMO)
✅ Life and Health Insurance

“HMO and Health Insurance does not compete with each other, they actually complement each other.”

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Did you know? 🤔

𝗜𝗙 𝗦𝗢𝗠𝗘𝗧𝗛𝗜𝗡𝗚 𝗛𝗔𝗣𝗣𝗘𝗡𝗦 𝗧𝗢 𝗬𝗢𝗨, 𝗜𝗡𝗦𝗨𝗥𝗔𝗡𝗖𝗘 𝗪𝗜𝗟𝗟 𝗣𝗔𝗬. 😱

❌ Not your savings.
❌ Not your assets.
❌ Not the government.
❌ Not your parents nor your children.
❌ Not your friends nor your workmates.

𝗕𝗲 𝗶𝗻𝘀𝘂𝗿𝗲𝗱 𝗻𝗼𝘄. 𝗟𝗲𝘁 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗽𝗮𝘆. 🫡

You have the power to change your future with the right planning and implementation. ❤️ Do not wait for the moment that you actually need it before you decide applying for it. Why? Kasi kapag kailangan mo na, hindi ka na pwedeng maapprove. Get insurance now while you are still young and healthy. 🥺

Send me a message me if you are interested to see your options. Let me help you start your risk management plan. 🥰

‼️‼️‼️‼️‼️

"Should I get an HMO/healthcard or Life Insurance?" 🤔

I say better if you have both. 😊 Why?

▪️HMO/Healthcard given by companies maximum benefit limit ranges from 60,000 to 500,000. It's good for some minor illnesses and operations. 😧

▪️Critical illness and disability is a different story. With the increasing medical costs, your healthcard might be exhausted just on the first week of your treatment. ☹️

▪️HMO/healthcard coupled with critical illness and disability benefit from your Life Insurance provides better peace of mind in the future. You get to have an investment too. 😍

Remember:

GETTING LIFE INSURANCE IS A GOOD THING. ✅
BUT HAVING COMPREHENSIVE COVERAGE IS THE RIGHT THING. 💯

PS. It’s okay to have an exisiting insurance and there’s nothing bad to be proud of that. But do make sure na okay ang benefits ng insurance mo.

Please send me a message. 📩

Magsimula ka lang sa kaya mo, kesa sa wala. 😊

sabi nga sa english…

“Starting small is better than not starting at all”.

Be wise in handling your fianances 😉

Whether you get life insurance or not, someone will pay during SAD events. 😔

The question is who?

⭕️ You?
⭕️ Your FAMILY?
⭕️ Your INSURANCE?

Life Insurance is not all about death claims.
It also guarantee you and your family's income protection when unforeseeable accidents and disablement happen to you. 🫶🏻

✅ Financial Planning tayo? Message me!

In 2020, 10/10 causes of death in PH is an illness.

It's no longer a question of if you will get sick.

It's when.

Getting seriously ill is the "single most financially catastrophic event that could happen in a family".

Make sure your Philhealth is paid and you have enough HMO & Critical Illness Insurance coverage.

Life insurance is a gift that keeps on giving, even if you're not around. 𝙂𝙞𝙫𝙚 𝙩𝙝𝙚 𝙜𝙞𝙛𝙩 𝙤𝙛 𝙡𝙞𝙛𝙚 𝙩𝙤𝙙𝙖𝙮.

Na-normalize na satin yung ganitong sense of life accomplishment at goals.

Bili kotse. Bili bahay 🤩

Pag nag kasakit..
Benta kotse. Benta bahay 😭

Step 1 muna tayo. 😊

Risk Management is a thing. It holds your future. 😉

The same concept of buying a value meal sa mga fast food chains applies to having a VUL.

Kapag bumibili ka ng fastfood, rather than buying everything separately, we go for the combo meals. Una, kasi disocunted yung price at pangalawa, we get to have many things all in one.

In VUL, you can also hit two birds with one stone. Una, grow your money with investment. Pangalawa, you are safe and protected with an insurance plan.

Wanna start your own VUL Plan? MESSAGE ME!

To all my clients with Insuravest programs, please do note that your insurance will stay in force as long as you save for your premiums.

For the investment part, again this is not guaranteed and will be based on the performance of the Philippine market.

I'll be giving you updates about our current performance after the official results of the elections.

For those with one-time investments, I will be messaging you within the month for consultation of your programs.

Whatever the season is, whether there's an election or crisis, INSURANCE is always needed. ✅