Kaiser/IMG Knowledgebase

Risk Sharing / Protection

Ang risk sharing / protection ay simple lang.
For a small amount, many will get less in return, but there will be a few who get a lot more.

Halimbawa, sa HMO, maaring lahat mag-bayad ng ₱7k annual.
Marami, less than ₱7k ang makukuhang benefit, pero may ilan na makakakuha ng (for example) ₱75k per illness per year.

Kung may hika, na-aksidente at na-COVID, maaring ₱75k x 3 = ₱225k ang makuhang benefits.

Sa mga nakakuha ng kaunti, they are thankful,
"I paid ₱7k ang got less, but thank you Lord, I am healthy! "

Sa mga nakakuha ng marami, they are grateful too
"Thank you Lord, I paid ₱7k, but received ₱225k in benefits"

Ganoon din sa life insurance, some get less, some get more.
Pero siempre may difference.

Iba naman and dasal:
Ipinagdarasal mo na gamitin ang HMO para sa checkup, doctor consultation.
"Thank you Lord, I can use this HMO!"

Ipinagdarasal mo naman sa life insurance, sana hindi magamit.
"Thank you Lord, I am alive and don't need to claim life insurance."

!

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Alam mo bang pwede mong gamitin ang ₱7,000 annual medical allowance (EO 64 s.2024) para sa HMO-type benefits?

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