Healthcard Inquiry

**niwde11** · August 5th, 2006 12:04 AM

Guys, me nag-offer sakin ng "Caritas" healtcard(hospital insurance + life insurance). nagiisip kasi ako kumuha. baka meron sa inyo dyan pwede magshare ng experiences with caritas and other healthcard, i wil appreciate it a lot.

**OTEP** · August 5th, 2006 12:14 AM

Tumatanggap ang UST niyan. Pero siyempre, hindi ka pwede pumili ng doctor. Yung doctor lang ng card mo ang pwede. And sa private division lang halos nagagamit kasi cash basis ang clinical division ng UST.

And huwag ka masilaw sa laki ng coverage nila. Sobrang mahal magpa-ospital. Sandali din lang kahit Php100,000.00++. Sa ICU, umaabot ng million plus ang bill ng pasyente. Wala pa PF ng doctors.

**niwde11** · August 5th, 2006 12:23 AM

oo nga doc e. kaaadmit ko lang sa hospital 2 weeks ago. 22thou yung hospital for two days. wala pa run yung procedure na ginawa sakin. sa fatima, di naman namimili ng doctor yung mga me healthcard. more info please.
btw, ibig mo sabihin otep me sariling mga doctor ang mga healthcard? kung wala yung doctor nila wait pa nila dating yung doctor?

**j_avonni** · August 5th, 2006 12:25 AM

Our current healthcard is Medicard. It's better than Philamcare. We have no experience with Caritas yet. There are other healthcard companies. Shop around and compare.

**OTEP** · August 5th, 2006 12:27 AM

May mga hindi kasi covered ng health card na doctor. Usually, the card will have a doctor that acts as 'coordinator' for that hospital. If you get admitted, dapat sa doctor ng Caritas or sa napili ng coordinator. Of course, this varies from institution to institution. May mga sariling in house policies din sila.

May sarili silang doctor for admissions. Kung sa ER, siyempre kung sino ang duty sa ER. Emergency iyon, eh. O kung dis-oras ka ng gabi na-admit and hindi naman emergency, yung duty resident/intern/medical clerk ang maaring tumingin muna sa iyo. Pero they will inform your attending so he can attend to you sa umaga. And if the attending thinks that you are an emergency case (e.g. AP), kailangan niya talagang gumising at pumunta sa ospital.

Ano ba ginawa sa iyo? Sa Fatima? Diyan nagtatrabaho father ko. hehehe.

**niwde11** · August 5th, 2006 12:29 AM

kaya nga ako start ng thread j-avonni para macompare yung iba. care to PM me how much premium mo and corresponding coverages. tia.

**niwde11** · August 5th, 2006 12:33 AM

tep, it has something to do with uric acid in my body. ER ako nung july 21 sa sobrang sakit ng right side of my body. under observation ako for 2 days. but the final procedure was done at manila doctors after a week kasi walang facilities ang fatima.

**oldblue** · August 5th, 2006 03:06 AM

health cards are very useful. I got hospitalized 3 times since I graduated. if not for these, baka baon na ako sa utang. first time was 1997, umabot almost 100k bill ko, medicines, room and 2 weeks stay sa medical city. the last time, I was hospitalized for 3 days and nearing the amount I incurred last 97. (around 70k) grabe! pati ospital may inflation.

I never paid a single cent coz it was an executive health card of my dad extended to family members.

plus you get free 2 propylaxis treatments each year, a free full health check-up every year din. and if you're in an accident kahit na unconscious ka, they'll admit you right away, no questions asked, basta card nasa wallet mo. at least that's how it was explained to me by the emergency doctor.

**oldblue** · August 5th, 2006 03:18 AM

Originally Posted by niwde11

tep, it has something to do with uric acid in my body. ER ako nung july 21 sa sobrang sakit ng right side of my body. under observation ako for 2 days. but the final procedure was done at manila doctors after a week kasi walang facilities ang fatima.

we had the same problem. mahilig ka ba uminom, mahilig ka kumain ng taba o matataba pagkain at mas gusto mo nestea kaysa water. I got confined for a week bec. of that. a week later eto na naman ako inom, suka, spicy food sa isang birthday. then back to the hospital for the third week.

for 6 years, endure ko yan kahit napagaling ako ng doctor noon. kasi from time to time, sumasakit pag nakaaiinom o napapadami kain.

I finally eliminated the pain when I accidentally joined a gym for another reason and started running the 30-minutes threadmill non-stop 6 days a week for more than a year. lahat ata ng dapat ilabas sa body nailabas ko na noon, pati cancer cells na din siguro hehehe.

you'll know pag naglalabas ka na toxins, parati ka uhaw and hindi mo kelangan pwersahin sarili mo to follow the eight glasses of water each day.

**Elroi** · August 5th, 2006 03:19 AM

based on our experience, okay naman caritas... so far...

they have good (accredited) doctors and hospitals nationwide na pwede mo pagpilian in non-emergency cases.. free annual exam, dental and eye care. though may limitations din depende sa plan mo..

meron din caritas kasambahay namin at naoperahan sya last year.. wala kami binayaran hospital bills (except 3k difference ng room rate from double to solo)..