Health & Wellness Best Posts in Thread: medical insurance

Okay I looked up;
Caritas Health Shield Inc.
Clinica Caritas

BRANCH NAME:
CHSI DUMAGUETE

LOCATION:
CARITAS HEALTH BLDG. 2/F NORHT ROAD NATIONAL HIGHWAY DARO DUMAGUETE CITY NEGROS ORIENTAL

CONTACT #
(035) 225-9589 (035) 422-9547 (0917) 878-7537 (0998) 841-2590

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Here for those with pre existing conditions I noticed the following;

1. Expanded PRIME Plus Healthcare Program
   A value for money plan which extends sufficient health cover for the insured and family members and also protects from premium increases over a 5 year pay plan. With a guaranteed 5% increment from the 7th or 11th year onwards, this affordable scheme covers pre existing illnesses and provides additional health benefits during the expanded period of coverage.

Caritas Health Shield Insurance Premium and Coverage
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This is their PRODUCTS PACKAGE:
(Fill in to obtain a quote)
But I noticed that the products mentioned in the above link do not match up in namesake with this following link...

Caritas Health Shield, Inc. Proposal
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Attached is a .pdf quote for coverage, you will need something like Adobe Acrobat installed to read the .pdf (free download via a google search)

I 'assumed' Ultra 2+1 is for 2x Adults and 1x Child, (although I could be on another planet with that line of thinking) but I went for it anyways to try and obtain a quote to share here so others may gain an idea/alternative to Philhealth...
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Yes, they will not be too bothered by pre-existing conditions while you are paying your premiums .... but as soon as you try to claim they will go over you with a microscope. I am not sure what they do about medical records if you are not in your home country but, whatever it is, you can be sure it will be to their advantage. Also, they will try to connect the current problem to any pre-existing condition even if there seems logically to be no connection. We all have to be so careful when filling out enrollment forms as they will use them against us if we miss out on one tiny detail. The last thing Insurance companies want to do is to pay out.

 

I understand. When you said we... instead of a group of us... somehow I was transported back to 3rd grade and a desire to be silly. Not only was I off topic, I wasn't on any topic at all.

 

Meaning nothing really, must be just an American saying. As in when someone says 'we' instead of 'I' but doesn't mention anyone else a typical reply (more often by 8yr olds) is "we? you got a mouse in your pocket?". Sorry if I offended in the translation, was just being silly.

 

Normally the insurance company will demand an examination (at the applicant's expense) to be performed by a doctor who is approved by the company to do such examinations.
They'll also demand that the applicant fills out a form declaring all of their medical history.
The decision on your insurance application will be subject to these.
So no, it's not a "trick", it is pretty much straight forward.
Of course, if you have a pre-existing condition that might effect many other things regarding future illnesses, for example if you have diabetes at the time of the application which may cause other complications going forward, then they won't refuse to pay if you suffer a broken leg, but developing a heart disease might be a problem then, in terms of the insurance.

 

Not sure that you will find that. Every medical insurance company I have looked at has small print that says "claims due to pre-existing conditions not covered" Which I have learned means: If you have any diabetes or high cholesterol or even high blood pressure and that is diagnosed as the reason for the hospital stay then the claim will not be paid. Every foreigner I have visited in the hospital had one of these or similar problems and every one of the doctors said it was a contributing factor.

HOWEVER, I did discuss this exact problem with the finance manager at Silliman and she recommended Caritas Insurance as the one Silliman prefers that their customers have. She said the best insurance was group insurance and we may be able to get this if someone organizes a group (perhaps the Dumaguete Expats Forum Group?) and arranges for group insurance.