Build your future

Is VUL a healthcare or HMO?

I would like to clarify things about the misconception of the difference between this two type of insurance.

If you need healthcare or HMO because you are after of immediate hospitalization na kapag ma hospital Tayo even minor illness walang down payment at makatulong ang ating HMO automatic before discharge pang bayad sa ating hospital bills well we need an HMO not VUL .

Note if the insurance you avail is not stated here from Insurance Commission website under list of HEALTH MAINTENANCE ORGANIZATION (HMO)well you got the wrong product meaning it's not an HMO it's a VUL. So better read your policy.

Kaiser International Health Group, Inc. is number 16 in the list of

HEALTH MAINTENANCE ORGANISATION

If you're interested in learning more about Kaiser long-term healthcare, feel free to message me—I'd be happy to guide you!

Many people earn P50k and stay broke.
Others earn P15k and build peace.
It’s not just what you earn.
It’s what you do with it.

It’s not always about earning more.
Sometimes, it’s about being wiser—with what you already have.

Because let’s be honest—
Many couples earn a lot and still stay broke.
While others earn just enough,
but somehow build peace, plans, and progress.

It’s not the amount.
It’s the alignment.

Two people, working together,
not just to make money—but to make it mean something.

Some relationships chase income.
But the stronger ones chase discipline.

They talk before they swipe.
They plan before they splurge.
They say no to some wants,
so they can say yes to bigger goals.

Because real love isn’t just about sharing moments—
it’s about sharing mindsets.

And you’ll see it in the small things:
packed lunches,
budget nights,
cancelled add to carts,
and long conversations that begin with,
“Where do we want to be five years from now?”

It’s not about who earns more.
It’s about how you honor the income you both have.

You don’t have to be rich to build something strong.
You just need to be united—
in values, vision, and discipline.

Because when you both treat every peso with purpose,
even a little can go a long way.

And when you’re wise with the small,
you’ll be ready for the big.

When it comes to critical illness, most Filipinos are not ready and wala masyadong savings para rito. But on the other hand, most Filipinos rin ay may ipon at nag-iipon. Pero para saan? Para sa pangarap sa buhay tulad ng bahay, sasakyan, business, properties at etc. This is good! Pero we can make it better, get a Life Insurance with Critical Illness Protection. Of course, I do not wish anyone na magkaroon ng sakit, pero in reality walang pinipili ang sakit maging healthy living ka man.

Now, my question is Okay lang ba sayo na 'yung pinaghirapan mong pangarap mauwi lahat sa pagpapagamot?

If your answer is No, talk to your trusted Financial Advisor now.

If okay lang sayo, ignore mo na lang 'tong post ko. Char

Good evening 🙂

With Ricky Madelar – I just got recognised as one of their top fans! 🎉