Health insurance, whether you are in good health or not at this time, should be one thing that you should not live without. You may not find the need to get one now, but it is not really a good idea to cut out health insurance completely and live life without it. Although health insurance is not cheap, it may not be a good idea to walk around Philippines’ streets without even one healthcare card. Medical emergencies can bankrupt you and shred your pocket into pieces if you do not have an insurance.
If you have a medical emergency without an insurance, you may find yourself in search of a lender instead of just trying to worry about your medical emergency when you are already sitting in the emergency room. The admission fee for any hospital, private room, is about P25,000 now.
It would be much easier to get a medical attention with an insurance card. Just imagine the waiting and the stress you would undergo if your family or nearest relative still have to knock on people’s doors just to borrow money for your emergency use.
Emergency surgeries such as appendectomy can be very expensive. One accident could cost you thousands of pesos in medical bills and it can quickly climb higher if you need surgery or physical rehabilitation. Even with insurance, you may find it difficult for the total healthcare cost, but at least a big portion gets covered by the company.
Minor things can turn into bigger things. When you do not have an insurance, you tend to avoid getting a medical attention and being treated for the little things, which can escalate into bigger things quickly.
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If you have insurance, then you would not be worried about consultation fees. In addition, if you are diagnosed with a serious medical condition, you may have difficulty finding a health insurance and if you find one, it would offer a higher monthly premium.
Health insurance is not a luxury. It is a necessity, but how many people in the Philippines, especially the seniors are going through life without one?
In fact, a continuous insurance coverage is associated with significantly fewer deaths prior to age 65. The reason for this is that people tend to have regular checkups when they have a healthcare insurance.
There are smart ways to save money, but skipping on health insurance isn’t one of them. Studies show that an uninsured individual does not receive the same quality or amount of preventive care than those with insurance. Being insured impacts every one.
Just imagine what your family has to go through and put up with you if you have a medical emergency! When you are carrying your insurance card in an emergency, you have shorter waiting times, faster diagnosis and better facilities.
See the PDF below20180801123445Premier Brochure_FULL_2018-7-9LOWRES
Pacific Cross Premier Insurance
The Pacific Cross Premier Insurance is a peso plan for senior citizens 66 years old and above. Maximum coverage is up to P1.5 million for each disability per lifetime. Enjoy Pacific Cross medical coverage and live life with peace of mind, wherever it takes you!
This is the first time I came across with an insurance over 66. With this plan, you can choose your doctor, hospital and specialist for your best medical care.
With a maximum coverage limit of P1,500,000, you get the most comprehensive range of medical insurance benefits available in the Philippines.
This plan also covers emergencies and accidents when you travel overseas, so you receive the best medical assistance anytime, anywhere in the world.
Pacific Cross has a 24 hour worldwide customer assistance and emergency hotline and a network of alarm centers and full time medical professionals ready to help you 24 hours a day, 7 days a week and 365 days a year.
Key policy provisions
Your coverage begins 30 days after the date shown on your policy. However, you already have immediate coverage for accidental injury.
A pre-existing condition is a disability or illness which existed before the commencement of cover. You should tell your pre-existing conditions when you answer the medical questionnaire.
While the policy is issued in the Philippines, it can provide emergency confinement coverage when you are overseas. The maximum period of cover should not exceed more than 30 days per trip during the policy year.
The contract is guaranteed renewable up to age 100.
The plan is 10% co-payment. Pacific Cross will pay 90% of the approved claim amount.
Further reading, http://www.pacificcross.com.ph/#medical/Premier
Pacific Cross Philippines
Units 201-202, Avagar Building
No. 09 Escario corner Molave Street
Lahug, Cebu City, Philippines
Telephone: 032 233 5812 or 032 233 5816