HMO vs Health Insurance 

Ako rin eh tinignan ko iyong ibang tabs. Ang kulit noong bata!

ano hmo company po kayo sir fitz?

@@maggiejauh Hi we cannot disclose that information for our own safety and privacy. Hopeful for your kind consideration.

@@WealthArki im grateful to meet you sir Fritz last Convention Sa taiwan. thank you very much sa photo

what site is that?

guia lara hi you can follow Fitz’ podcast named the 80 percent. Thanks!

Charmaine Macasero hi, thank you for your compliment! Yes you may share it :D

Normally ang meron lang na ganyan ay 2-1 policy. Pero un whole family wala pa

AXA 2 in 1, Aia 2 in 1 din.

@@atekongkong4379 hi ano ang insurance name ni AIA na 2 n 1??

We can give you a more accurate recommendation given more info on your financial goals, needs and resources. We can do that thru our Insurance Planning services. Our professional fee is P5k inclusive or review, research, and a written recommendation. Please email us, admin@wealtharki.com if you wish to set an appointment. Thank you.

Sana nga ei ksi prang ok dn sya 3 in 1 na

Vicente Auxilio Militante hi majority of the insurance companies listed under the insurance commission offers one. Please see their website www.insurance.gov.ph Thanks!

Vicente Auxilio Militante halos lahat ng life insurance may inooffer na health insurance.

Hello po we do offer health insurance in FWD po. I can assist you if you're interested

Hello Sir. Is it wise to get a Hospital stocks ? How can we compare it to health insurance and HMO ?

As this is an HMO issued by your company that relates to your employment, it is best to check with them as we do not have visibility on employment benefits given by your company. Thanks!

Ang daming negative reviews ng Pacific Cross. Do you have it? How was it?

@@aubreybondoc there would be no problem if the diagnosis is covered it the same with other HMO there coverage exclusions but Pacific Cross has a higher coverage limit; their Liaison officers are attentive as well.

most probably, it would, as age is a factor in computing premiums.

Sir Fitz ano po hmo nio?

for me po, worth it po ma'am... ang kaiser ay HMO rin po na may short-term at long-term... 7 yrs. lang syang huhulugan, pag di nagamit ay mag turn into investment, at maliban sa maturity value na makukuha mo ay maibabalik pa sayo ang 85% na hinulog mo kapag di mo nagamit during paying period.. pero dapat po ma'am ay alam nyo po kung ano po talaga ang needs nyo, mas maganda na pag aralan nyo po ito...

Worth it sya mam..7 yra to pay my healthcare, life insurance and investment

Mark Denver Villones yes, there are some that can accomodate her age.

hmo is limited time

Mario Manlupig Jr yes, we did. we really cannot comment if it is the best fit for you unless we see your financial goals and resources clearly. We can do that thru our financial consultation. You may go to our website, wealtharki.com for more info. Thanks!

Sa anong kind ng individual niyo po ma re-recommend ang BPI-Philam's Build Life Plus product?

Modernong Pepe it would depend on the person’s need, budget and financial goals. Thanks!

they consult multiple times a year according sa video.

Hindi po sya reimbursement. When you say reimbursement po kasi, kelangan mo ng resibo. Pag meron kang health insurance, the company will release the claims depende sa benefits ng policy mo for example: 500K or 1M etc. No need to wait for receipts. Just the diagnosis of the doctor is enough for the release of the claims

@@mavictoriaacuna MAAM ANO PO MA SUGGEST NYONG HEALTH INSURANCE? I am 26 years old po at motorcycle rider.

Marchel Ranalan supplementary ang hmo. Iba kasi ang coverage ng life insurance kesa sa HMO. Ang philhealth naman ay discount lang ang makukuha mo, kaya maglalabas ka pa din ng pera once meron naospital sa family mo.

Sa PHILAMLIFE Sir 3 n 1 na siya, meron na hmo, insurance and retirement funds as low as 2500 per month until 65 yrs old but the coverage is until 80 y.o

90% covered yong hospitalization bills sa hmo.

@@abigailcharlie9617 what’s the package name? Or do you have a link?

@@TroisDeuxUn321 sir you can message me in my Fb (bela bailey mike lima) philamlife advisor po ako for further queries. We call it AIA Med Assist

huawei Y8 yes, there are a lot in the market. We can assist you in scanning the market and find which one fits best for you. Please do visit our website, wealtharki.com for more info. Thanks!

Tama po. Yung mga basic lang naman covered. Like bunot, pasta. Pero yung mga expensive procedures na needed like RTC hindi na kino covered.

It depends on your plan--some plans pay it already (subject to your policy limits), while with some, you have to reimburse it. Best to ask your agent which feature your plan has or the one you are eyeing to buy would have.

@@WealthArki Thank you po.

As this is a servicing issue involving specific company policies, kindly forward your concern to your HMO’s Customer Services Dept. Thank you.

Okay naman ang Kaiser. We suggest that you list down all its benefits and see if those are things you need. Lastly, make sure that it's within your budget.

You don't have to. Mas maganda po na gamitin yung HMO Benefit ng company mo instead kumuha pa kayo ng ibang HMO. Mapapa gastos pa tuloy kayo kapag bumili ka ng ibang HMO. Siguraduhin nyo lang po na naglagay kayo ng dependents para your family will get the same HMO benefits that you have with little or no additional costs. Depende sa policy ni HMO company

Marzi Makenzie pag HMO meaning hospitalization benefits. Anjan un inpatient, emergency at outpatient. Kapag sinabing health insurance, eto naman un critical illness benefits.

Hi April kindly reach out to us via the consultation service at www.wealtharki.com

@@WealthArki hello sir,mahirap ata kumuha ng hmo sir kasi sa mindanao area po kami,not sure kung may accredited ba na hospital sa mindanao sa hmo ,

@@Miamor-pi5xk we recommend that you ask your hospital of choice which HMO they accredit. Thanks!

How much po bayad

Hi Edsel both health and life insurance protects your income should the unexpected happens, but they differ on the coverage. Life insurance covers your burial needs and any income that goes to the family. Life insurance is used to also pay for estate tax. Whereas Health insurance protects your income from health related expenses (Critical illness) such that you won't go into debt.

@@WealthArki Maraming salamat. 🍻

Edsel Mendoza you’re welcome!

@@WealthArki i have second question. Actually wala pa kami both ng HMO and life insurance or health insurance. Pero me and my wife are very interested na kumuha both HMO and life insurance. And also we have Baby. But since sobrang dami ng HMO at life unsurance na nag ooffer. I want to ask for your professional advice or recommendation which to get or to consider. It's just good to know na nanjan kayo to guide us on this kind of matter. Thanks you so much for your help.

Edsel Mendoza hi we need to have a consultation session so that we can answer your inquiry above. We have to consider your financial needs, goals, and other concerns so that our recommendation would be suited to your profile. You can check out at www.wealtharki.com to know more of our services.

Jenzen Guising Agasen most of the products, yes.

Hi Jenzen! From day 1 insured ka na. Licenced financial advisor form Axa Philippines. You may contact me at 09274140504 to share with you the benefit

Hi Majorie, increases or additional payments are typically yearly or annual. Thanks!

Hi Arlyn kindly check with the hospital which HMOs they are accepting. Thanks!

@@WealthArki aahh are you saying hindi lahat nang hmo ay accepted sa lahat nang hospital?

Not all hospitals have hmo partners or they limit their partnerships with certain providers. that’s why there’s a need to check with the hospital which ones they are partnered with. Thanks!

As this is a servicing issue, please ask directly ask your HMO instead. Thank you.

Yes, you can do that. Just check with your HMO agent on the particulars of the policy. Thanks!

Raymund Erispe hi it would depend on the loan earnings of pag-ibig. Thanks!

I have the same question. Pls let me know if may info kayo about this. Thanks

Flordeliza Gomez yes, we have

@@WealthArki opinion nyo po abt their product?

yes po if sa opinion nyo mas secure cyang kunin vs sa sunlife vul para sa anak ko?

@@flordelizagomez2290 it would depend on your budget and financial needs. This can be discussed more via a consultation session. You can find out more regarding our services at www.wealtharki.com

Flordeliza Gomez we cannot comment on that as we have to have more info on your current financial resources as well as financial goals. You can set up an appointment with us in this regard. Kindly email admin@wealtharki.com. Our professional fee is P1.5k per hour of consultation. Thanks!

ChrisTetay Vlog we have discussed the concept of HMO in the video, so please do watch it again should you have missed some points. thanks!

daming reklamo sa axa. normally ginagawa ko po tinatype ko sa fb AXA global complaints dun mo malalaman

Baka gusto nyo din tingnan ang Pacific Cross. Pede ko kau bigyan ng coverage at benefits

@@allantobias2569 pinakamagalung ang pacific cross.

Lumiko Komilu agent din po ako ng pacific cross

@@allantobias2569 i need one. How do i get in touch?

Best to check your Intellicare package if it includes that as they offer different ones. Thanks!

JamesCloud yes the coverage from philhealth is different, though there are some overlaps.

JamesCloud yes.

During this time, may meeting pa. We were waiting for him actually.

sir paano po ba ang pagbabayad ng isang individual na hmo? monthly po ba or yearly? at how much po

Ano klase po maxicare yan?

Anung klaseng prepaid yan sa maxicare

Insurance companies has health focused policies. Your just not checking.

mico mariñas medical insurance ay para din HMO. Ang kaibahan ay limit or coverage. Mas malaki ang limit na binibigay ng Medical Insurance kesa sa HMO. Example for individual application, normally gang 200k ang limit for HMO while pag sa medical insurance ay pede umabot ng Milyon ang coverage sa Inpatient and emergency

Hi eRsn, we cannot disclose our HMO company for our own safety and it might not match what you need. Hopeful for your kind consideration.

You can watch our vid on that: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-ULsFKFRF_5I.html Thanks!

kathleen savellano hi there are products with critical illness riders. Whether or not it fits your plan is subject to our consultation service. Kindly check out our website at www.wealtharki.com to know more of our services. Thanks!

Meron po ma'am.. Critical illness coverage po.. Jeng from pru life uk

@@WealthArki thank you

kathleen savellano yes . Actually part ang health insurance sa life insurance. Ibig sabihin pag kumuha ka ng health insurance automatic may kasama na din na life insurance un policy

@@allantobias2569 pwede po bang maka avail kahit nasa abroad po ako

hi lalola, ang magandang health insurance ay yung policy na feel mo kailangan mo sa future. Pwede siyang HMO or Health insurance coverage. ang importante ay yung mga sakit na kailangan natin e.cover. Para mas maganda ang mga recommendations natin pwede mo kaming e.email at admin@wealtharki.com for a consultation.

HMO is also very important. Agad agad magagamit agad ang HMO ang Health Insurance need muna isettle bago iclaim.

Jocelyn Bergado hi we can not disclose our personal hmo for safety reasons. Thanks!

HEALTHCARE IS THE MOST IMPORTANT Kaiser Ultimate builder plan by KAISER HMO, 3 in 1 na sya may 1.healthcare short term care pede magamit habang nag babayad ka pa may long term pede pa magamit pag retirement, 2.may life insurance just in case n may mangyari sayu at 3.investment Accredited on all major hospitals at halos lahat ng SM malls nilalagyan n ng kaiser clinics, KAISER the no. 1 and only HMO in the philippines where you can get longterm healthcare for more info you can call mr joey ros conde 09611567693 if your in the philippines, but if your in DOHA QATAR you can add me on fb alden caro/mobile 30980830 and we will discuss with you why kaiser is the best investment when you want to plan for your retirement.

Hi Bheng, Kaiser is a good product but whether or not it will fit your health insurance needs is another question altogether. Kindly visit our website at www.wealtharki.com to view our services so that we can help you with your concern. Thanks!

Hi yes you may share our videos in your FB page. Thanks!

Thank you po Sir God bless :)

Jefferson Ruz yes, there is.

@Jefferson yes po Sir, you can email me at rmcsabuero@gmail.com thanks!

shockaq sagun apply for what?

Wealth Arki health insurance po

shockaq sagun hi you can apply for any health insurance from any insurance company :) if you need help in scouting we can provide the service for you kindly check our website at www.wealtharki.com to know more about the service. Thanks!

shockaq sagun thru HMO officer or their agents. Thanks!

Hello shockaq sagun! I am Jonathan Armes, a licensed Insurance Advisor. It's my pleasure to share with you how our company can help with your needs. I am conducting free consultations. Please message me either here or through Messenger: Jonathan Henry Armes Or you may visit my Facebook page: facebook.com/Advice-ni-Nathan-105416947884479/ Thank you and have a nice day!

Sir ano name mo sa mssrg?

Pm Kita sa messenger sir. Ano name mo?

Bats Jordan hi we cannot disclose our personal information such as our HMO provider for safety and privacy. Moreover, the company that we chose are based on our financial needs. It may not apply to your current situation as we have different needs, goals, and resources.

Hi sir Bats Jordan...if you want a Free HMO proposal and assessment, I can send you one. PM me and I can send it via email. Thanks.

Mag img kaiser kau sir.msg me for more info

Agree!

We can give you a more accurate recommendation on which HMO is best for your mother given more info on your and your mother’s financial goals, needs and resources. Our financial planning consultation services can do that for you. Our professuonal fee for that is P1.5k per hr inclusive of research or a written recommendation. Email us admin@wealtharki.com to set an appointment. Thanks!

Alin po

Hi Juana the best health insurance is the one you will need (Kung HMO or Critical Illness). It's best to schedule a consultation with us so that we can discuss further or email us at our admin email for your questions. Thank you!

iam boydreamer hi we cannot disclose our HMO providers/or where we got our HMOs for our safety and privacy. Moreover, we got our HMO products as it suits our financial lan and needs and our providers might not be the best fit for you as we have different goals, needs, and resources. Hopeful for your kind consideration. Thanks!