So, the hubby and I have finally gotten hold of health insurance through the initiative of our labor union last November 2018. The money used to pay for the health insurance came from us (read: our CNA bonus) but because we got enrolled under a corporate account, we received discounts and added privileges. I don’t remember the exact annual premium anymore but it’s just under PhP11,000 per head. I personally think it’s the best deal for us at this time, coverage and price wise.
UPDATE: My Tita Miyang finally went home from the hospital last Saturday afternoon. Praise the Lord, the king of all healers! 🙂
Last Monday, I received a sad news from my cousin about her mom (my aunt and my father’s sister) who’s based in Biñan City, Laguna. She said they rushed her to the hospital because she suffered from heart attack and had a seizure. After doing some tests on her, the doctor advised to send her mom to the ICU immediately for more tests and observation. We visited her at Alabang Medical Center yesterday and she had already been transferred to a private room. It seemed that she was on her way to recovery. Thank you, Lord!
My Tita Miyang is 64 years old, has a senior citizen card but no PhilHealth membership (what we heard in the news isn’t fully implemented yet!). She doesn’t have health insurance/HMO card which leaves her family with no choice but to shoulder all her medical expenses. Imagine paying almost P20,000 per day for a stay in the ICU? That amount is already equivalent to a month’s salary of a public school teacher. My gosh, I don’t think I can afford that at this point should any of my parents get subjected to the same ordeal.
Our 2015 goals include two very important things: life insurance and heath cards. These are non-negotiables. The hubby and I have to get them this year or never. We’re actually very late; we should’ve gotten them a long time ago. But you know, we weren’t as prepared then as we are today.
How come we are invested in various instruments (e.g. stock market, UITF, and RTB) and yet we don’t have life insurance and health cards? I don’t have a very clear answer for this. Perhaps, we procrastinated. Or maybe, we just felt we didn’t need it just yet (I know, how foolish!). Or I guess, I’d justify it by saying we needed enough time to think as to which life insurance and health cards suit our needs.
So, the hubby and I finally received our insurance certificate courtesy of the Provident Fund in our office. It’s just a personal accident policy, but we’re still thankful because we got it for free. It’s only good for a year but we heard it’s going to be renewed regularly as one of the perks of our membership.
I don’t know how much they paid for it, though. As I understood, it’s a group plan and boasts of the following benefits:
When things get worrisome, I’m the first to react. I worry a lot, you know. I even used to be a serious negative thinker. But my worries are never shallow. They have bases. They can happen. Oftentimes, though, my worries go away on their own. It’s either I have devised a plan to avert the problem or I have received God’s graces just when I needed them.
One of the things I worry about is my parents’s well-being. They’re growing older and older by the day. Soon, they’d get sick and would need substantial health care. I hope and pray when that time comes, I’d be capable of helping them. Like I could afford getting them adult diapers at disposablemedicalexpress.com and pay for their hospital bill. That’s why I’m saving up money to be able to get them reliable health insurance. The earlier I can do this, the better.
My parents are not getting any younger and as time passes by, the pressure to provide them with health insurance is building up on me. Actually, it’s not just them who need it. We all do. Right now, we only have PhilHealth to depend on in case we get sick. That’s why I”m looking for cheap but comprehensive health insurance for all of us. Is there such as thing as cheap but comprehensive health insurance? I hope so.
Speaking of health insurance, I wonder if our OFWs have one. I mean, it’s not easy getting sick in a foreign land, away from your loved ones who could provide you the care you need. While getting sick can be prevented through exercise and eating healthily, getting caught in an accident while working abroad isn’t. Accidents happen without prior notice. Which makes health insurance of the good kind a must for them.