A health insurance scheme for the self-employed, SMEs

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The current health situation has opened the eyes of many to how unexpected medical bills can cause financial hardship.

Yet despite this reality, many Filipinos do not have a health care plan. And while almost everyone is covered by the national health insurance program or with company-provided HMO plans, sometimes their coverage may not be sufficient to cover all or most of the expenses.

Especially for those in jobs with irregular incomes like the self-employed or those in the SME group (small and medium-sized enterprises), the monthly expenses of a health insurance plan can seem daunting, so many choose to don’t have one. .

According to Philippines Statistics Authority, direct payments (POD) remain the most important among health financing sources in the country, amounting to 379.7 billion pesos or 47.9% of current health expenditure (CHE) in 2019.

People who fall ill and are hospitalized with the ongoing virus face a hefty hospital bill that can run into the millions, and the family is forced to drain their savings to pay it off. The high infection rate of the latest variant to enter the country still makes people anxious, even with the continued rollout of vaccines.

All of these facts can really alarm anyone who does not have or has insufficient health insurance coverage.

Seeing this gap in the market, one of the trusted global insurance companies, AXA, offers a healthcare plan to lend a hand to those who currently do not have a health plan or those who do. already have one but with limited coverage.

Access to health care (ACS) is an insurance product that provides comprehensive financial protection for medical needs in one health care plan.

AXA’s Health Care Access Plan offers policyholders additional protection against financial vulnerability caused by possible medical costs. Photo source: AXA

AXA’s access to healthcare offers two types of plans, each with different inclusions.

Access to Prime health care

It is a comprehensive health care plan that covers hospitalization and primary health care needs.

Choose your health care coverage from five hundred thousand pesos (P 500,000) to five million pesos (P 5,000,000) per year, ages 0 to 75, and provides a longevity health fund that can be used for future medical needs at age 76 and over, when you need them most. This plan is ideal for those who do not have any form of health insurance and are looking for comprehensive health care coverage the family can count on.

Built-in benefits include inpatient care with hospital admission fees, including physician fees, surgical and special diagnostic procedures, medication, and use of intensive care and operating rooms ; 24/7 outpatient care and teleconsultation which covers medical consultations and laboratory analyzes; and emergency care up to the annual benefit limit (ABL).

In the event of an unfortunate event, the holder of the health insurance or his dependents will receive an amount equivalent to 10% of the ABL of the chosen scheme with life insurance and accidental death and dismemberment.

The HCA Prime also includes an annual physical exam from seven basic exams and dental treatment. Optional benefits such as critical illness reminder, annual benefit limit reminder, and optical care may be included.

Simplified access to healthcare

Health Care Access Lite is an option for those who already have an existing health care plan, but want more extensive health care coverage. This is a plan designed to complement the insurer’s existing health plan for comprehensive health protection against unexpected health setbacks for the insurer and their family to protect against unexpected health setbacks .

Like the HCA Prime, the HCA Lite includes hospital care, emergency care, life and accident insurance from P50,000 to P500,000, a longevity fund and 24/7 teleconsultation.

Plus, you can enhance your plan’s coverage with outpatient, optical, or dental care by paying a small additional premium.

Both health care access plans include coverage for pandemic diseases, something very relevant to the current situation. It covers hospitalization, prescribed tests and vaccine complications.

Healthcare plans like AXA HEALTH CARE ACCESS can help people focus on their own or the patient’s well-being first without having to worry about the burden of paying medical bills and its impact on finances. of the family.

For more information, visit the AXA website website.

REMARK: BrandNews articles are promotional material from our sponsors and not press articles from our editorial team.

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