Comparing HMO plans
NOT all HMO plans are created equal. Inexpensive plans usually have limited benefits. Budget permitting, comprehensive plans are best.
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NHS at a Glance Principal Step-by-Step Guide HMO Plans ComparisonNOT all HMO plans are created equal
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Many inexpensive plans have fewer benefits
- Some have limited benefit classes (e.g. consultation only, emergency care only, etc)
- Some have no “standard” inclusions, e.g. no annual physical examination
- Most inexpensive plans do not have in-patient and emergency benefits
- Many gray areas
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Some group plans highlight low price and high limits
- Some have hidden costs, e.g plus 12% VAT
- Some have “high” total limits but lower itemized limits (e.g. P4k per quarter for outpatient care)
- Some have unexpected exclusions
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Kaiser NHS
- Comprehensive healthcare ( 5-point healthcare benefits plus financial care)
- NO DEPOSIT on admission
- Covers pre-existing illnesses
- High benefit limits
Kaiser International HealthGroup
Your 1st Name in Healthcare
National HealthCare Shield
- ₱ 7k premium
- ₱ 75k* Maximum benefit limit per illness
Lower limit for less than 500 members - Eligibility age 18 - 65 years old
- Covers pre-existing diseases
- Includes Annual Physical Examination
- Preventive Healthcare
- Outpatient Card
- Inpatient Care
- Emergency Care
- Dental Card
- Includes Financial Assistance (in case of death, dismemberment)
- Includes Pre- / Post-natal checkup
- Includes Physical Therapy
- Includes vaccination for animal bites
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