r/DigitalinsurancePh

I got a SUN MAXILINK PRIME way back in 2019. My dad got it for me. I pay 15k quarterly, and I currently have around 200k in fund value.

I just had a call with my FA the other day, and I realized that the policy is mainly investment focused. My beneficiaries will get something when I die and fund value that I can withdraw when needed, but it doesn’t really have the medical benefits that I’m looking for.

My parents already have their own insurance, which is better than mine, and I don’t have kids yet. I also haven’t been consistent with my quarterly payments.

FA told me that terminating it would be a waste since this policy is good, and I only have 3 more yrs left to pay but I’m aware that there will be charges to pay also after that 3yrs. She suggested adding rider benefits, but that would increase my quarterly payment. She also said that getting a new policy would be more expensive because of my age.

Do you think it’s still worth keeping?

I’m thinking of terminating it and putting the money into MP2 instead, or getting another policy that focuses more on health benefits.

HEEEELP

Pwede po ba talagang tanggihan ng mga doctor yung patient kahit may LOA?

For context, nagpalit yung company namin ng HMO from Intellicare to iCare. Nung Intellicare pa gamit, wala namang problema. Follow up check up ngayon ng mother ko sa same doctor, affiliated din naman siya sa iCare pero ayaw tanggapin yung LOA. Pinapabayad niya mother ko para makapag pa follow up check up after ng mga labs na pinagawa niya.

Does anyone know any insurance company for house/commercial property?
For context: half portion of our house is being used as commercial property (dti/bir registered small business) and naisip ko lang na magcheck ng insurance for it kase nakikita ko from my work (VA) na usual ang kumuha ng house insurance sa abroad for their security. Does anyone have experience like this po? Thank you!

Planning to get a health insurance plan and would appreciate your recommendations.

I’m 29F and currently looking into getting a health plan. I’d love to hear your experiences and suggestions on which insurance company is reliable and what type of plan would be suitable.

For transparency, I have a history of PMOS and a breast cyst, which is non-cancerous and currently being monitored.

I’m particularly interested in plans that offer good coverage for consultations, diagnostic tests, hospitalization, and possible future medical needs. Any recommendations or things I should consider before getting a plan would be greatly appreciated. Thank you!

Problem/Goal:
I’m looking for recommendations on health insurance or HMO providers that accept people with pre-existing autoimmune conditions, or at least offer coverage with exclusions instead of outright declining the application.

Context:
I currently have two life insurance/VUL policies, but what I really want is comprehensive health insurance or an HMO with a higher annual limit.
My medical history includes:
Rheumatoid Arthritis (diagnosed at 20)
Adenomyosis (diagnosed at 25)
Cutaneous lupus (diagnosed last year)
The good thing is that my RA has been in remission for years, and my conditions are currently stable. I also have an HMO through my employer, but the annual limit is relatively low, so I’m hoping to get additional coverage.
I recently tried applying for AXA Global Health Insurance, but I was declined because of my pre-existing conditions.
I’m willing to pay higher premiums if needed. What frustrates me is that I keep getting rejected despite my conditions being well-managed.

Previous Attempts:
Applied for AXA Global Health Insurance (declined)
Currently covered by my employer’s HMO, but the annual limit isn’t enough for my needs
Already have two life insurance/VUL policies, but they don’t provide the health coverage I’m looking for
Has anyone with RA, lupus, or other autoimmune diseases been able to get approved for an HMO or health insurance in the Philippines? Which provider accepted you, and were there any exclusions?
I’d really appreciate hearing your experiences or recommendations. Thank you!

I currently have GHA - Gold Lite but I did not declare my PECs (Bell’s Palsy - healed and no more occurrence, PCOS - ongoing) as they were diagnosed more than 10 years ago. At the time of my application, I was not actively visiting my OB as my last visit was 10 years ago. Recently, I visited another OB and pcos is still present.

I really like the coverage of GHA. Is it possible to cancel GHA and reapply after a year with PECs declared?

Thank you all for your insights.