There was a time when I used to think health insurance was just “pang mayaman.” But after a few unexpected hospital visits — one for a fever that turned into dengue and another for a minor accident — I realized how important it is to have financial protection for the family. Health insurance is not a luxury; it’s peace of mind.
Step 1: Know Your Family’s Needs
Are you looking for coverage for hospital confinement, outpatient care, or both? Families with kids might want higher coverage for pediatric visits, while working parents may need accident and emergency benefits.
Step 2: Compare Different Providers
Top insurers like PhilCare, Maxicare, and Pacific Cross have family plans starting at affordable monthly rates. If you’re on a budget, check prepaid cards or HMO packages from banks like BDO or Metrobank.
Step 3: Check the Hospital Network
What’s the use of coverage if your nearest hospital isn’t included? Always check the list of accredited hospitals, especially if you live outside Metro Manila.
Step 4: Read the Fine Print
Some plans have waiting periods or limited coverage for pre-existing conditions. Take the time to read — or ask — before you pay.
Step 5: Prioritize What Matters
The “best” plan isn’t always the most expensive one. It’s the one that meets your family’s needs without breaking your budget.
In the end, investing in health insurance means investing in peace of mind. Because as moms, we already worry about so many things — our family’s health shouldn’t be one of them.
