Worried about medical expenses? It is best to protect yourself against spending too much on hospital bills and health care. See the list of critical illness health insurance in the Philippines to get peace of mind.
What is Critical Illness
For the most part, health conditions that are chronic, life threatening or does not have a guarantee of being cured may be considered critical illnesses. Usually, emergency health conditions are included such as but not limited to heart attack, stroke or cancer.
See: Top HMO Companies
Health Insurance with Critical Illness Coverage
A number critical illness health insurance in the Philippines can provide you with the financial protection if ever you will be diagnosed of severe health condition.
Axa Health Max
Health Max is the plan from AXA that covers up to 56 critical illnesses. This also includes at least 18 minor illnesses covered by the plan.
Benefits
- Up to 56 critical illnesses coverage
- Plan holders are covered up to 100 years old
- provides up to 2x claim for different illnesses
- Various payment methods available
AXA Health eXentials
It is one of the most affordable critical illness health insurance offered by the company. For as low as Php 59 per day*, you will be protected by a health insurance for critical illnesses.
Benefits
- Covers cancer, stroke, heart attack, Alzheimer’s, Parkinson’s, and kidney failure. just to name a few.
- No need for medical examination to avail this plan
- Up to Php 5 million coverage until 55 years old
- Available for purchase online
*As of latest advertised info
BPI-Philam Critical Care 100
A health and life insurance plan in one. It provides up to 100 critical illness consitions even if you reach 100 years old.
Benefits
- Provides you with life insurance coverage
- Coverage is from 0-100 years old
- Additional cash benefit if you are diagnosed with gender related cancer
BPI-Philam Critical Care Max
A plan that provides both life and health insurance for those who need good coverage.
Benefits
- Receive cash benefits when you are diagnosed with the critical illness covered by the plan
- Growth of fund depending on your chosen investment
- Life insurance coverage of up to 100 years old
- Payment waiver for life insurance if you are diagnosed with one of the 56 critical illness covered
List of Critical Illness Covered By Health Insurance
Various insurance providers may have their respective list of covered health conditions. The following are just some of the possible concerns included in most health insurance plans.
Kindey Failure
Parkinson’s Disease
Partial or Total Paralysis
Bacterial Meningitis
Alzheimer’s Disease
Cancer
HIV/AIDS
Blindness
Tumor
Loss of Speech
Vision Loss
Loss of Limbs (arms, hands, legs, feet)
Heart Attack
Stroke
Critical illness may involve a large amount of expenses that’s why it is best to prepare for it with a health insurance or HMO coverage.
HMO With Critical Illness Coverage
A number of health insurance can cover critical illnesses because of a bigger benefit. However, most HMO or health card companies can only cover a certain amount. In this case, it would be best to have a list of HMO with critical illness benefit.
Related: HMO for Senior Citizens
Maxicare
The company has one of the most extensive coverage in the HMO industry. It has special programs for those with pre-existing conditions and dreaded diseases. It might be ideal to get the plan that includes the highest amount of coverage such as Platinum.
Cheapest Insurance
Individual
Family
Corporate
Senior Citizen Coverage
Best for Self Employed
Related: HMO with Pre-Existing Condition Coverage
Only a limited number of health insurance companies provide coverage for critical illnesses. Therefore, it is best to compare their rates and ease in filing a claim.
References: Investopedia, The Balance
Last Updated on February 13, 2021 by Medical Pinas
About the Author: MedicalPinas has several years of experience in publishing articles to help Filipinos find medical services and their estimated prices. It strives to provide the most accurate info available through extensive research. Info may change without notice. This site is not affiliated with any of the mentioned brands/companies and does not represent the same.
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