18/02/2019
Ang problema sating mga Pinoy ayaw natin mag fund para sa RETIREMENT natin kasi marami sa atin akala enough na meron naman tayong PHILHEALTH, pero ito ay to get "discounts only",though in reality it is a big help to get discounts from your hospital bills. Pero diba mas maganda if you are not paying your bills out of your savings dahil me HEALTHCARD ka. Oo, short-term healthcard also helps lalo kung company provided, pero how long can you have it for free from the company? Pano kung retired ka na or nag resign ka, madadala mo ba ito? Diba hindi?
Unlike when you get KAISER aside sa may 20 years na Life coverage ka, at investment dahil pag healthy ka in a long year, your money will grow bigger, may 50k ka din na healthcare coverage every year☺...
so bigyan kopo kau ng sample:📑
Kunware na hospital ka after a year na nagsave ka sa kaiser... kahit saang accredited hospital ka ni kaiser lumapit anytime pwedi ka asekasuhin without taking any money to your own pocket. Why? kaz may 50k healthcare coverage ka kong ang plan na kinuha mo ay k45 plan. Kong ang bill mo sa hospital ay lumampas po sa 50k , kunware umabot ng 60k or 70k ang excess na 10k to 20k ay maare itong maebawas sa fund mo or else babayaran mo ito from your own pocket po... once you pay the excess bill from your own pocket maare mo ngayong magamit ang PHILHEALTH mo para mabawasan ang bill mo. So sa 60k to 70k at binawasan ito ni philhealth ng almost 20k meaning no bills to pay kana.
Pa alala na malahaga may emergency fund ka dahil ang mga gamot etc. Na kailangan mo bilhin sa labas ay hindi un responsibilidad ni kaiser or ni philhealth sau.
These are the reason why we need to understand that having our own retirement fund is really important. Dahil hindi ka kaya e ligtas ni Philhealth soon in time of emergency dahil si philhealth for discounts lang si kaiser anytime pwedi ka asekasuhin ng mga accredited hospital nya even without emergency money para ma admit ka.
Another conversation to some of my students na bakit daw kukuha pa sya ng kaiser e may life insurance na sya.
So ang sagot ko sa kanya is remember that life insurance is to covered your life not to covered your health in time of your illness.. at dinugtungan ko yon ng joke na "HINDI LAHAT NG TAO NAMAMATAY AGAD, LAHAT DUMADAAN SA HOSPITAL PARA SUBUKAN KA PANG BUHAYIN FOR A CHANCE NA MAKASAMA PA ANG PAMILYA"😀
Kaya take these all advice as a Good Reminder's madami ang nag aalok sa atin ng super ganda peru di natin nauunawaan maige kong tama ba ito para satin or sapat na.
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