Healthcard Inquiry

**sirkosero** · August 5th, 2006 09:53 PM

my mom uses caritas. highly recommended nya sa friends nya. sobra gamit na gamit din caritas ni mama. sulit na sulit daw. nagkaroon kasi ng time na hindi tinanggap yung maxicare namin sa makati med, kaya ayun, buti tinanggap ang caritas.

**fx36** · August 5th, 2006 10:50 PM

i know when you reached max on your coverage, next premium payment will go high...

**niwde11** · August 5th, 2006 11:04 PM

fx36. sa ibang insurance(usually yung lifetime) ganyan katulad nung INA ko. pero pag fixed term yung bayad,pag inabot ka ng age dun sa next bracket, yung old premium pa rin gagamitin. i am speaking kung ano lang yung sinabi ng caritas agent ha.

**oldblue** · August 6th, 2006 03:40 AM

Originally Posted by kimpOy

i had that (buyt not caritas pm ko sa iyo kung gustong malaman yung insurance)

...hassle lang, lalong yatang akong nagkasakit sa kakalakad, halos yung basic hindi covered maski dental lang sana tapos sa hospital hinahanap ko pa yung doctor nila...

now for the hospital experience with a healthcard
may discrimination pa, porke alam nilang health card ka hindi ka nila asikaso...tapos ward lang bagsak namin...tapos pag lalabas na ke tagal tagal ng procedures...

imho hindi sulit for me mas ok nal ang kung magtatabi nalang ako ng pera kung sakali man ma hospital ako

this is true, mayroon talaga mga healthcards na akala mo niloloko sila kung makatanong kumbakit ka nagkasakit o naka-aksidente. siguro stay away from Caritas. kung iyan man yun Caritas na nasa Sta Mesa, wag na. mga pari ata nag-mamay-ari nyan. and you know naman mga pari, para sa mga wedding, hindi kagad bubuksan ang aircon pag wala pang tao. titipirin ka nyan.

in our case, medyo vip treatment kami pagdating sa health cards. ninang ko sa kasal ang head administrator ng healthcard namin bec. of my dad. and dyan sa medical city sa ortigas center, kilala ng dad ko mga directors dyan.

pero ngaun lang nangyari ito kasi 10 years ago, noon na car-accident mom and dad ko halos wala din pakelam ang ospital kahit health cardholder ka na and even kahit grabe ka na. I guess my dad learned his lesson then.

yan ang hirap sa mga ganyan insurance, nagbabayad ka na. kung mag-claim ka, kahit na kitang-kita nakaratay ka na, kala mo NBI kung maka-imbestiga.

**ti8245** · August 6th, 2006 09:53 AM

Originally Posted by j_avonni

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.

Okay naman Philamcare, wala pa akong naexperience na sablay..Daming Doctor esp sa Asian Hospital...

**boybi** · August 6th, 2006 02:34 PM

i was offered philam care, i'm not sure lang kung ok ang coverage nila sa provinces. baka naman papuntahin pa ako ng metromanila everytime magpacheckup or magconfine ako.

**ti8245** · August 6th, 2006 03:43 PM

Originally Posted by boybi

i was offered philam care, i'm not sure lang kung ok ang coverage nila sa provinces. baka naman papuntahin pa ako ng metromanila everytime magpacheckup or magconfine ako.

May list sila ng Hospital sa mga provinces...Hingi ka sa kanila...

**boybi** · August 6th, 2006 05:54 PM

how about sa mga doctors, talaga bang dapat accredited doctors lang nila?

**van118** · August 7th, 2006 02:08 AM

Does anyone know the website for Philamcare?

**_Qwerty_** · August 7th, 2006 01:24 PM

importante talaga yang healthcard.. medicard for me.. eto rates nila..

PLAN 1100 >> PLAN 1500
Limit for Dreaded Disease P 75,000 >> P 100,000
ANNUAL ANNUAL
Principal member Only P 8,607 >> P 10,438
Principal + 1 dependent 15,586 >> 18,880
Principal + 2 dependents 22,974 >> 27,363
Principal + 3 dependents 30,360 >> 35,844
Principal + 4 or more dependents 37,745 >> 44,326