Supporting your health as you age


Stress, pollution and exposure to harmful chemicals are some of the plenty factors that may be hazardous to our health. Admit it, these days, it is as if, stepping outside our home makes us vulnerable to sickness.

We work ourselves up to the last bit of our strength. This motivation fuels us but we sometimes fail to recognize that pushing ourselves beyond our limits leads us to some serious cases when we reach a certain age.

The adage “health is wealth” rings true, especially for adults, but as the years add up, the body’s vulnerability to risks and dangers increases. The emergence of new diseases and environmental threats, as well as the probability of accidents, add to the health challenges that Filipinos, especially those approaching retirement age, encounter.

Undoubtedly, quality of life is affected in varying degrees when physical well-being is compromised. Medical emergencies become even more burdensome when financial capability—or lack thereof—is taken into consideration. Financial solutions such as life insurance with hospitalization benefits or services provided by health maintenance organizations are available, but generally cater to lower age groups and priced according to one’s current state of health and predispositions.

This is precisely why products like the Health Support Hospital Income Plan were introduced to the market. Developed by the Philippine Prudential Life Insurance Company, Inc. (Philippine Prudential), Health Support helps those aged 50 to 74 with this essential healthcare protection at very affordable monthly premium rates. When hospital confinement due to illness or injury occurs, Health Support helps pay a fixed amount for medical costs, with the coverage period reaching up to age 80.

Depending on the monthly premium plan availed, Health Support policyholders can receive up to P 2,500.00 in Daily Hospital Income Benefit for each day of hospital confinement. That’s a maximum of P 912,500.00 for every sickness each time the policyholder is suddenly hospitalized. The daily benefit is doubled when the policyholder is admitted into the intensive care unit.

Even surgical procedures related to the illness or injury are covered, with the highest claimable amount totaling to P 50,000.00.

But perhaps the strongest appeal of the Health Support and other similar products is its “guaranteed acceptance” feature.  This means that those interested are no longer required to undergo medical screening and cannot be turned down for as long as they belong to the age bracket being serviced by the product.

Having such financial fall-back can provide substantial relief for the policyholders and their families. Instead of worrying about medical expenses, they can focus on what is more important: recovery and recuperation.

Joanne Carlos—Macaraeg, Health Support beneficiary

“Health Support had been very useful during my dad’s sickness,” says Joanne Carlos—Macaraeg, a Health Support beneficiary. “We were supported by Philippine Prudential without hesitation even though we filed claims each month that Dad was in the hospital. In those times of hardship, emotionally and financially, Philippine Prudential was a lot of help.”

A burial benefit rider of up to P 100,000.00 can also be availed  in addition to the hospitalization benefits.  Among many Filipinos, death is often considered a morbid subject, but pre-planning for the availability of cash in the event of sudden loss has proven to be worthwhile, particularly for grieving family members.

Avelina R. Agayan, Health Support Beneficiary

“We are thankful for the Health Support Hospital Income Plan of Philippine Prudential,” Avelina R. Agayan, both a Health Support policyholder and beneficiary, says. “It granted us cash assistance during my late husband Alex A. Agayan, Sr.’s confinement, as well as the burial benefit.”

If you wish to know more about Health Support Hospital Income Plan and other Philippine Prudential products, please call (02) 711-9188, 712-3756, 712-2710 or 712-3410.  You may also follow the link provided below. A downloadable enrollment form is available for those interested to apply for the plan. advt

Originally posted: 5:01 pm | Monday, September 2nd, 2013


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  • pepito gwaps

    In other countries the gov’t and the companys where the citizens are working are obliged to help them savings money for their retirement and health-care expenditures. They seems following our local premises that says,” pag may sinuksok ay may madudukot.” But only their style is that they make the savings mandatory and they ensure the savings would grow overtime while earning interest. They are doing that because they know that it is very hard to save for oneself. When the retirement age come she can recieve half of her lump sum money and the rest of her savings is still supporting her until his final days. I hope we should have a program like that here in the Phil. and despise the wrong culture of “bahala na at tutulungan naman ako ng mga anak ko pag laki nila.”

    • RJ Legaspi

      We do have government agencies for such matters. PhilHealth for health care, Pag-ibig Fund for housing and SSS/GSIS for retirement. However, the coverage and the benefits are not as great as those of other countries but somehow it definitely can help.

      I think what really lacking is literacy on these things. For instance, very few of us knows that Pag-ibig offers provident savings program which can act as your retirement fund in the future. Also, very few knows that you can file refund for hospital expenses even if you are already covered with privately-owned insurances. OWWA has actually scholarship and training programs for dependents of OFWs.

      These agencies may not be as good as those of developed countries and they may not cover everything yet they are still a big help.

      • boychicharon

        also not everyone can afford to pay the monthly premiums. i thought this was an article not an advertisement.

      • andresa igbac

        nakasulat nga sa end of the article na ADVT sya. kahit naman sa printed edition ng mga dyaryo, nilalagay nila ang ADVT if it’s a press release. kelan ka ba huling bumiling ng printed na dyaryo ha?

      • boychicharon

        relax ang bp mo…haha. narealize ko na advt nga cya after ko mabasa yung context ng article at makita yung advt at the end. but it doesnt change the fact that i clicked on it because of the headline.bakit hindi ilagay after the he title.matagal na akong hindi bumubili ng newspaper years na. again relax you probably need this article more than i do.

      • rjgc

        What you put in Pag-ibig can be wiped on by inflation. Better to invest in mutual funds.

      • RJ Legaspi

        I agree, inflation can depreciate your Pag-ibig savings but definitely not wipe out. The current inflation rate in the Philippines stands at 2.9%. If your Pag-ibig savings fund yields more than this rate then your investment is fine.

        As much as possible distribute your investments in different channels. Personally, what’s left in my salary for daily expenses is very little. However, I have invested on three privately-managed life insurances, one mutual fund in the Philippines and one abroad. I also invested in 2 health insurances and a travel insurance. Yes, health and travel insurances are investments as well, it protects you from any unwanted cost if ever you run into an accident or sickness.

        Other than that, I also make sure that my social and health insurances provided by the government are paid in time as well. In terms of stability government agencies are better than privately-managed though the benefits and the coverage are not as bigger.

    • Billy Reyes

      We have SSS for private employees & GSIS for government employees all of this are mandatory contribution according to the law.
      ha ha ha! what are you talking about??

      • pepito gwaps

        ha.ha.ha how much you can get from that.??? On their saving scheme if you contribute 1000 pesos monthly then the company you are working will double it that make it 2000 monthly then the gov’t will invest your money that will make it more profitable so in 20 years or 30 years how much you can get from the 1000 pesos you had been savings. You will get Millions of Pesos enough to support your needs when your golden age comes … From that money you can still buy a new house, visit beautiful places and pay all your medical bills without being dependent with your children.
        But of course everybody should have a job and the gov’t should mandate all the companies to contribute more for the wellfare of her citizens and not the other way around.. this is one of the ways they could trickle down the effect of the so called economy’s growth which is to help the citizens to save more.

      • Billy Reyes

        Not all country in the world had mandatory contribution.

    • rosstum

      Thats true, here in Hong Kong ganun ang palakad ng gobyerno. Employee along with the company equally shares the amount that is being placed in MDF, some kind of mutual fund that is getting invested in the market for a profit.

  • koy-bili

    what’s the guarantee that insurance investments will not go down the drain in times of financial crisis

    • PinoyMundo Biz

      Insurance companies invest their money in both equity funds and fixed income securities.

  • farmerpo

    And all along I thought this is a news article, not an advertisement. Wolfish. LOL

  • JohnDoeGB

    This advertisement has been around for some days now. It is just re-posted again and again to appear at the top of the news item list. It is already quite annoying. Can the Inquirer limit their advertisements to banners posted on the side? Sooner or later the top half of their news items are ads. Inquirer, can you please improve your readers experience? No annoying ads please. Remember wala kayo kung wala ang readers nyo.

    • andresa igbac

      why? do you pay the Inquirer to bring you this website? if you’re getting it for free, like me, then you don’t have to complain di ba? rather, thank the website cuz you still get it for free, with your complaints and all.

      • JohnDoeGB

        Oh really?! I should be thanking Inquirer for trying to annoy me and feed me with ads instead of news, huh? There can be no Inquirer without its readers so better they should value their readers more than they are doing currently. Remember that they are not the only entity serving free news. It was just a generous constructive feedback for them but it is unfortunately taken bitterly by you. Are you the Inquirer?

  • katherine

    It’s really a great and helpful piece of info.Health insurance is very important nowadays, having one would give you something to cling to in times of sickness that’s why I trust Philippine Prudential Life.

  • zhardan

    Is this the same Prudential that defaults their obligation to Educational Fund beneficiaries? Just asking.

    • PinoyMundo Biz

      Philippine Prudential Life Insurance ho iyan. Walang connection sa Prudentialife na pre-need company. The Philippine Prudential Life Insurance Co. Inc. is an insurance company that offers life insurance plus health benefits while Prudentialife Plans Inc. (PPI) is a pre-need
      company which deals in pension, education and memorial plans.

  • kwangkwang

    laki ng bayad nito ah. nasa baba na biglang akyat ulit

  • Prouder than ever 2B Filipino

    ingat ang mga nag-aavail ng pre-need things…you should always check well the background of institutions you are dealing with… check experiences of current customers…sayang ang pera.

    mag-search sa mga forums…

    • PinoyMundo Biz

      The article is about life and health insurance. It’s different from pre-need products (educational, pension, memorial, etc.).

      • Prouder than ever 2B Filipino

        grabe daw ang pila sa pag claim sa Prudential…i am just trying to warn people…investments like this are not reliable in the philippines. i had my own bad experiences…

      • PinoyMundo Biz

        Life insurance is actually not an investment per se but rather a shield or protection for your investments (stocks, mutual funds, bonds, real estate, savings, etc.) since these are tax exempt.

  • kokak

    Passing off a commercial ad as news is the worst form of journalism that I can think of.

    • andresa igbac

      huh. it’s not passed off as news. there’s “advt” mentioned at the end of the article. and please, this website has to earn too so that it can continue to bring itself for free to demanding readers (demanding kasi mahilig sa libre hahah) like you.

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