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Showing posts with label medical insurance. Show all posts
Showing posts with label medical insurance. Show all posts

Tuesday, July 17, 2018

The Promise of Universal Health Care in the Philippines

President Duterte has certified the Universal Health Coverage measure as urgent. This promises to usher in better health and free hospital coverage for Filipinos. The Philippines currently has a hybrid healthcare system called Philhealth, where the government entity under the National Health Insurance Program gives out medical insurance for medical coverage. The current system does not cover all Filipinos. Coverage depends on several factors including economic status.
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President Duterte has certified the Universal Health Coverage measure as urgent. This promises to usher in better health and free hospital coverage for Filipinos. The Philippines currently has a hybrid healthcare system called Philhealth, where the government entity under the National Health Insurance Program gives out medical insurance for medical coverage. The current system does not cover all Filipinos. Coverage depends on several factors including economic status. A proposed law in the Senate aims to enhance and rename the National Health Insurance Program, established by Republic Act 7875 or the National Health Insurance Act of 2013, into the National Health Security Program, as a mechanism for citizens to gain financial access to health services. This will reorganize the Philippine Health Insurance Corporation (PhilHealth) into the Philippine Health Security Corporation, which will serve as the national purchaser of health services. The House of Representatives already passed House Bill 5784, also known as the “Universal Health Coverage Act.” Three versions in the Senate have also been passed: Senate Bills 1458, 1673, and 1714. If all goes well, we could very well see the first steps toward Universal Health Coverage (UHC) by next year, with several key components up and running by the end of the Duterte administration. So what is the promise of UHC for Filipinos? The new proposal aims to fill in the many health care gaps in the current system. A large portion of the population remains uncovered in PhilHealth. UHC proposes the automatic inclusion of every Filipino into the National Health Security Program. Many medical services are not available or covered in the current insurance packages. Under UHC, all medical services are considered covered by default, unless specified otherwise. Only selected procedures will not be included. Additionally, the level of coverage provided in the current system is not always sufficient to cover the medical expense of some major health care cases. UHC reorients the health system toward primary care and service delivery networks. Every Filipino will be assigned a primary care provider, who serves as the first point of contact in the health system and addresses general health needs. It also proposes to vastly expand the financing of health services. Once enacted into law, the UHC will guarantee the right to health by providing primary care to all Filipinos including free medicine for all.

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A proposed law in the Senate aims to enhance and rename the National Health Insurance Program, established by Republic Act 7875 or the National Health Insurance Act of 2013, into the National Health Security Program, as a mechanism for citizens to gain financial access to health services. This will reorganize the Philippine Health Insurance Corporation (PhilHealth) into the Philippine Health Security Corporation, which will serve as the national purchaser of health services.

The House of Representatives already passed House Bill 5784, also known as the “Universal Health Coverage Act.” Three versions in the Senate have also been passed: Senate Bills 1458, 1673, and 1714. If all goes well, we could very well see the first steps toward Universal Health Coverage (UHC) by next year, with several key components up and running by the end of the Duterte administration.

President Duterte has certified the Universal Health Coverage measure as urgent. This promises to usher in better health and free hospital coverage for Filipinos. The Philippines currently has a hybrid healthcare system called Philhealth, where the government entity under the National Health Insurance Program gives out medical insurance for medical coverage. The current system does not cover all Filipinos. Coverage depends on several factors including economic status. A proposed law in the Senate aims to enhance and rename the National Health Insurance Program, established by Republic Act 7875 or the National Health Insurance Act of 2013, into the National Health Security Program, as a mechanism for citizens to gain financial access to health services. This will reorganize the Philippine Health Insurance Corporation (PhilHealth) into the Philippine Health Security Corporation, which will serve as the national purchaser of health services. The House of Representatives already passed House Bill 5784, also known as the “Universal Health Coverage Act.” Three versions in the Senate have also been passed: Senate Bills 1458, 1673, and 1714. If all goes well, we could very well see the first steps toward Universal Health Coverage (UHC) by next year, with several key components up and running by the end of the Duterte administration. So what is the promise of UHC for Filipinos? The new proposal aims to fill in the many health care gaps in the current system. A large portion of the population remains uncovered in PhilHealth. UHC proposes the automatic inclusion of every Filipino into the National Health Security Program. Many medical services are not available or covered in the current insurance packages. Under UHC, all medical services are considered covered by default, unless specified otherwise. Only selected procedures will not be included. Additionally, the level of coverage provided in the current system is not always sufficient to cover the medical expense of some major health care cases. UHC reorients the health system toward primary care and service delivery networks. Every Filipino will be assigned a primary care provider, who serves as the first point of contact in the health system and addresses general health needs. It also proposes to vastly expand the financing of health services. Once enacted into law, the UHC will guarantee the right to health by providing primary care to all Filipinos including free medicine for all.
So what is the promise of UHC for Filipinos?

The new proposal aims to fill in the many health care gaps in the current system. A large portion of the population remains uncovered in PhilHealth. UHC proposes the automatic inclusion of every Filipino into the National Health Security Program.

Many medical services are not available or covered in the current insurance packages. Under UHC, all medical services are considered covered by default, unless specified otherwise. Only selected procedures will not be included.

Additionally, the level of coverage provided in the current system is not always sufficient to cover the medical expense of some major health care cases. UHC reorients the health system toward primary care and service delivery networks. Every Filipino will be assigned a primary care provider, who serves as the first point of contact in the health system and addresses general health needs. It also proposes to vastly expand the financing of health services.

Once enacted into law, the UHC will guarantee the right to health by providing primary care to all Filipinos including free medicine for all.

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Wednesday, May 23, 2018

OFW Bantay Pamilya: An Insurance for OFWs and Their Families!

The main reason why Overseas Filipino Workers (OFW) choose to work abroad so that they can provide the needs and even wants of their loved-ones back home. Our family is always on the top of our priorities. But as OFWs, working for them is not enough, we should also secure their future just in case we fall ill or get into an accident while working in other countries. Have you ever ask that question to yourself? What will happen to my family if I get sick or If I got into situations that I can no longer work?
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The main reason why Overseas Filipino Workers (OFW) choose to work abroad so that they can provide the needs and even wants of their loved-ones back home. Our family is always on the top of our priorities. But as OFWs, working for them is not enough, we should also secure their future just in case we fall ill or get into an accident while working in other countries. Have you ever ask that question to yourself? What will happen to my family if I get sick or If I got into situations that I can no longer work? This is the reason why insurance is created. One of this is Malayan insurance packaged especially designed for families of OFWs — the OFW Bantay Pamilya. With this, you can feel secure that your family will be covered against any expenses that might arise in case you get sick or getting into an accident while working abroad. Benefits for Your Family Accidental Death and Dismemberment Your family will be protected from any damage and loss as a result of accidents. Your spouse and each of your children will be covered for up to Php 100,000 against accidental death and dismemberment. Medical Expenses For medical expenses as a result of accidents, your spouse and each of your children will have medical reimbursement for up to Php 10,000 per accident. Daily Cash Benefit For medical expenses as a result of an illness that would require your spouse or any of your children to be confined to a hospital, that family member is entitled to a daily cash benefit of up to Php 1,000 for every day they spend in the hospital up to three hundred sixty-five (365) days. ICU Benefit Should your spouse or any of your children need to be placed in the Intensive Care Unit (ICU) as a result of an accident or illness, that family member is entitled to a daily ICU benefit of up to Php 2,000 for every day they spend in the hospital up to thirty (30) days. Surgical Benefit Should your spouse or any of your children require surgery as a result of an accident or illness, that family member is entitled to a surgical benefit of up to P15,000 for each operation. Benefits of an OFW Accidental Death and Dismemberment You will also be protected against any damage and loss as a result of accidents, and should the accident lead to accidental death and dismemberment, your beneficiaries will be entitled to a benefit of up to Php 100,000. This benefit will be doubled if the accident in question is related to your work. Educational Assistance Should you die as a result of an accident, Malayan Insurance will help one of your children continue with his/her education. One of your children will receive educational assistance worth Php 50,000. Burial Assistance Should you die as a result of an accident, Malayan Insurance will help your family in their mourning with a burial assistance worth Php 25,000. For unmarried OFWs The OFW or Principal should be of legal age between 18 and 65 years old. The Principal may choose to purchase the Family Cover or Individual Cover. Should unmarried OFWs choose to purchase the Family Cover, the Principal’s parents or unmarried siblings may be declared for the package. The OFWs parents must not be older than 65 years old. The unmarried siblings must be between 1 and 18 years old only, however, they may be as old as 21 years if they are still in school. Should unmarried OFWs choose to purchase the Individual Cover, only one (1) individual may be declared as a beneficiary, provided that the beneficiary in question is between 1 and 65 years old. For married OFWs The OFW or Principal should be of legal age between 18 and 65 years old. The Principal may choose to purchase the Family Cover or Individual Cover. Should married OFWs choose to purchase the Family Cover, only the legally recognized spouse and unmarried children may be declared for the package. The legally recognized spouse must not be older than 65 years old. The unmarried children must be between 1 and 18 years old only, however, they may be as old as 21 years if they are still in school. Should married OFWs choose to purchase the Individual Cover, only one (1) individual may be declared as a beneficiary, provided that the beneficiary in question is between 1 and 65 years old.
This is the reason why insurance is created. One of this is Malayan insurance packaged especially designed for families of OFWs — the OFW Bantay Pamilya. With this, you can feel secure that your family will be covered against any expenses that might arise in case you get sick or getting into an accident while working abroad.
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Benefits for Your Family

  • Accidental Death and Dismemberment

Your family will be protected from any damage and loss as a result of accidents. Your spouse and each of your children will be covered for up to Php 100,000 against accidental death and dismemberment.
  • Medical Expenses
For medical expenses as a result of accidents, your spouse and each of your children will have medical reimbursement for up to Php 10,000 per accident.
  • Daily Cash Benefit
For medical expenses as a result of an illness that would require your spouse or any of your children to be confined to a hospital, that family member is entitled to a daily cash benefit of up to Php 1,000 for every day they spend in the hospital up to three hundred sixty-five (365) days.
  • ICU Benefit
Should your spouse or any of your children need to be placed in the Intensive Care Unit (ICU) as a result of an accident or illness, that family member is entitled to a daily ICU benefit of up to Php 2,000 for every day they spend in the hospital up to thirty (30) days.
  • Surgical Benefit
Should your spouse or any of your children require surgery as a result of an accident or illness, that family member is entitled to a surgical benefit of up to P15,000 for each operation.

Benefits of an OFW
  • Accidental Death and Dismemberment
You will also be protected against any damage and loss as a result of accidents, and should the accident lead to accidental death and dismemberment, your beneficiaries will be entitled to a benefit of up to Php 100,000. This benefit will be doubled if the accident in question is related to your work.
  • Educational Assistance
Should you die as a result of an accident, Malayan Insurance will help one of your children continue with his/her education. One of your children will receive educational assistance worth Php 50,000.
  • Burial Assistance
Should you die as a result of an accident, Malayan Insurance will help your family in their mourning with a burial assistance worth Php 25,000.
Qualifications for unmarried OFWs

  • The OFW or Principal should be of legal age between 18 and 65 years old.
  • The Principal may choose to purchase the Family Cover or Individual Cover.
  • Should unmarried OFWs choose to purchase the Family Cover, the Principal’s parents or unmarried siblings may be declared for the package.
  • The OFWs parents must not be older than 65 years old.
  • The unmarried siblings must be between 1 and 18 years old only, however, they may be as old as 21 years if they are still in school.
  • Should unmarried OFWs choose to purchase the Individual Cover, only one (1) individual may be declared as a beneficiary, provided that the beneficiary in question is between 1 and 65 years old.
Qualifications for married OFWs
  • The OFW or Principal should be of legal age between 18 and 65 years old.
  • The Principal may choose to purchase the Family Cover or Individual Cover.
  • Should married OFWs choose to purchase the Family Cover, only the legally recognized spouse and unmarried children may be declared for the package.
  • The legally recognized spouse must not be older than 65 years old.
  • The unmarried children must be between 1 and 18 years old only, however, they may be as old as 21 years if they are still in school.
  • Should married OFWs choose to purchase the Individual Cover, only one (1) individual may be declared as a beneficiary, provided that the beneficiary in question is between 1 and 65 years old.
If you are interested and for more information, you can contact Malayan Insurance in this link.

Note: Jbsolis is not affiliated nor connected with Malayan Insurance. All information above is taken from their website for general purpose only.


SEE MORE:
Overseas Filipino Workers (OFWs) need to save while earning big from working abroad. As OFWs, saving money for an emergency, for our family's future or for our retirement is important. Opening a savings account in a bank that you trust and gives value to your money will inspire you to save more. Bayani OFW Savings from Sterling Bank of Asia is a savings account that comes with no maintaining balance and for as low as P2,000 pesos in your account, your money with grow with interest.

 For minimum wage earners, there are times that it is hard to apply for a loan even in government financial institution, how much more in private. If you are receiving around P10,000 a month salary, it is really hard to apply for a loan, since your payslip is number one requirements to know your capacity to pay.

One of the best banks in the Philippines that offers a good option to Overseas Filipino Workers (OFW) is the Chinabank through its Overseas Kabayan Savings. By opening this savings account, you can start saving money for your future or retirement as OFW at the same time, send money to your family in the Philippines. Having a savings account for OFWs is very important because working abroad is not permanent.

If you want a savings account that does not require an initial deposit, you can apply for Sikap Pinoy OFW Account in Bank of Commerce. However, the Sikap Pinoy OFW Account is exclusively for Overseas Filipino Workers (OFW) only and their beneficiaries.


©2018 THOUGHTSKOTO
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Friday, July 08, 2016

REPUBLIC ACT NO. 10645: FREE AND MANDATORY PUBLIC HEALTH INSURANCE COVERAGE FOR ALL SENIOR CITIZENS


REPUBLIC ACT NO. 10645: FREE AND MANDATORY PUBLIC HEALTH INSURANCE COVERAGE FOR ALL SENIOR CITIZENS
As a person gets older, there is a greater chance that they suffer from illnesses because of their weakened immunity. 

And in our country (Philippines), poverty is one of the main reasons why elderly are neglecting their health issues.
REPUBLIC ACT NO. 10645: FREE AND MANDATORY PHILHEALTH COVERAGE FOR ALL SENIOR CITIZENS. As a person gets older, there is a greater chance that they suffer from illnesses because of their weakened immunity. And in our country (Philippines), poverty is one of the main reasons why elderly are neglecting their health issues. According to to Republic Act No. 10645 “All senior citizens shall be covered by the national health insurance program of PhilHealth. Funds necessary to ensure the enrollment of all senior citizens not currently covered by any existing category shall be sourced from the National Health Insurance Fund of PhilHealth from proceeds of Republic Act No. 10351, in accordance with the pertinent laws and regulations." This is a good news especially for poor senior citizens. They will have the opportunity to get treated without worrying where to get money to pay for the hospital. There's no need to pay for premium contributions in PhilHealth. Funds for this program will be sourced from National Health Insurance Fund of PhilHealth from proceeds of RA No.10351, commonly known as the Sin Tax Law (tax on alcohol and tobacco products).

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According to  to Republic Act No. 10645 “All senior citizens shall be covered by the national health insurance program of PhilHealth. Funds necessary to ensure the enrollment of all senior citizens not currently covered by any existing category shall be sourced from the National Health Insurance Fund of PhilHealth from proceeds of Republic Act No. 10351, in accordance with the pertinent laws and regulations."
This is a good news especially for poor senior citizens. They will have the opportunity to get treated without worrying where to get money to pay for the hospital. There's no need to pay for premium contributions in PhilHealth. Funds for this program will be sourced from National Health Insurance Fund of PhilHealth from proceeds of RA No.10351, commonly known as the Sin Tax Law (tax on alcohol and tobacco products).

SEE ALSO:
SENIOR CITIZEN WILL RECEIVE P500 ALLOWANCE MONTHLY, or P6,000 A YEAR FROM THE GOVERNMENT.

Who are qualified to enroll for this program?
Filipino citizens who are residents of the Philippines, aged sixty (60) years or above and are not currently covered by any membership category of PhilHealth; 

Qualified dependents of senior citizen members who are also senior citizen themselves; and
Qualified dependents of members belonging to other membership categories, with or without coverage who are senior citizens themselves.

Senior Citizens who are gainfully employed or who remain to have regular sources of income shall continue to pay their premium contributions to PhilHealth under the applicable membership categories.


How to be a member?

There are two options to enroll as a Senior Citizen member of PhilHealth.

1. Through Office for the Senior Citizens Affairs (OSCA)
Fill out two (2) copies of the PhilHealth Member Registration Form (PMRF);
Submit duly accomplished PMRF to the OSCA in the city or municipality where the elderly resides
Await Member Data Record and Identification card issued by PhilHealth through OSCA

2. Through PhilHealth Local Health Insurance Office (LHIO)

Fill out two (2) copies of the PhilHealth Member Registration Form (PMRF);
Attached 1 x 1 photo taken within the last six months;
Present Senior Citizens’ Identification Card issued by the OSCA in the city or municipality where the elderly resides or a valid government issued ID.
Submit duly accomplished PMRF

Await Member Data Record and PhilHealth Identification Card

source: http://www.philhealth.gov.ph/members/senior/
Download the PMRF form here
To avail their benefit, all they need to do is to present in hospitals their senior citizen card,  Philhealth MDR (member data record), or any proof of their identity and age.




REPUBLIC ACT NO. 10645: FREE AND MANDATORY PUBLIC HEALTH INSURANCE COVERAGE FOR ALL SENIOR CITIZENS


©2016 THOUGHTSKOTO
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