Future Ready with Ellen

There are 2 types of health protection:

🏥 1. Health Card (HMO)

* Covers hospital bills directly (check-ups, labs, doctor fees)
* No cash out during emergencies (within limit)
* Usually limited coverage and up to age 60–65
* Only valid in accredited hospitals
* Best for immediate medical expenses

💰 2. Life Insurance with Health Benefits

* Gives cash directly to you when diagnosed with critical illness
* Can be used for treatment, income replacement, or anything
* Coverage can go up to age 75–100
* Higher coverage amount (₱500K to ₱15M+)
* Best for long-term and major illnesses

✨ WHICH ONE TO GET?

🚩 I believe that it's important to have BOTH. Yes, BOTH.

In the end kasi, they complement each other. Kung ano yung kulang sa isa, napupunan ng isa.

You may not control when illness happens, but you can prepare financially. Having both gives you better protection and peace of mind. 🫶