Why saving for long term healthcare is recommended?

Meron na ako HMO bakit kailangan ko pa magkaroon ng long term healthcare?

It is provided by your company right? Hindi mo madadala yan kapag nagresign ka na sa trabaho or nagretire. There is no traditional healthcare company covers ages 61 and up.

The best way to start saving for your long term healthcare is while you are young and able to pay for it. At least mas mura pa.

Pero meron naman na ako life insurance with critical illness? Bakit recommended pa din na kumuha ako nito?

Great that you already have one, you and your family are protected, just continue paying. Meron din ako nyan. Glad that you ask, magkaiba kasi yan. It is recommended because you need long term healthcare in case you need to go to the doctor for a recurring sickness. For ex: May nakain ka at nasira ang tiyan mo, nag LBM, nagsusuka at nadehydrate ka na. Kailangan mo maconfine ng 5 days sa hospital. In this case you can use the company provided healthcare. What if it happens when you are no longer working, you need to shoulder the costs of confinement from your pocket. Wala ka na din work so paano na? Gamitin ko yun life insurance with critical illness? It only works for critical illnesses like cancer, stroke, heart diseases and the like. Better sit down and review your insurance coverage to make sure.

People neglect to prepare for their healthcare and become bankrupt with just one sickness or just die easily because they cannot afford proper medication.

Do you ever ask yourself about these questions?

1. What if I die too soon?

2. What if I get sick?

3. What if I live too long?

The answers to the above will be a long-term healthcare plan. It is a 3 in 1 investment payable that solves our 3 major financial needs - life insurance, long-term healthcare and investment. It will definitely provide security to you and your family.

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