CARITAS HEALTH SHIELD, INC. (HMO/Healthcard Provider) Philippines

CARITAS HEALTH SHIELD, INC.

CARITAS HEALTH SHIELD, INC.is a health maintenance organization (HMO) which was established in 1995 as Health Shield, Inc. Our Head Office is located at Katipunan Building and Caritas Building, 95-97 E. Rodriguez Sr. Boulevard, Quezon City respectively. We have also established our presence all over the country with at least 92 branch offices.

Our Total Paid up capital is P120M as of December 31, 2004. We are accredited with the Department of Health and an active member of AHMOPI, the association of HMO companies in the Philippines. We have set up trust funds to ensure that our obligations to our members will be met. Our trustee banks are Metropolitan Bank and Trust Company, Unionbank of the Philippines, Rizal Commercial Banking Corporation, The Hong Kong and Shanghai Banking Corporation Ltd., Bank of the Philippine Islands, Equitable - PCI Bank, Allied Bank, East West Bank, Banco de Oro, and Land Bank of the Philippines.

As of  February 1, 2007, our nationwide medical services network covers at least 353 hospitals (60 in Metro Manila and 293 in the provinces), 216 clinics and laboratories (65 in Metro Manila and 151 in the provinces), 6,558 physicians (1,847 in Metro Manila and 4,711 in the provinces) and 537 dentists (111 in Metro Manila and 426 in the provinces).

In line with our continuing effort to assure the best health care services, we have deemed it appropriate to provide our members the very same medical benefits we promise. On October 2004, Clinica Caritas began operations with initial branches in Caritas Medical & Business Center-Head Office, Farmers Plaza-Cubao, Doña Anita-E. Rodriguez Sr., Times Plaza-Taft, Medical Plaza-Makati, Bonanza Plaza-Lagro, Q.C., and 77-D Arcade-Cainta, in Kings Commercial Building-Legaspi City, Albay, and Avon Plaza-Capitol Site, Cebu City.  With at least 18 branches, Clinica Caritas provides accessible, convenient and customer-friendly laboratory, diagnostic, and medical services to our members.

All physician members of our Board of Directors have worked as medical consultants of existing HMOs and they served well, true to their aspiration of making health care available to as many Filipinos as possible. Through the years, these top-rated physicians gained first-hand experience in servicing the health care needs of the members of the different HMOs, learned about patients’ concerns and selflessly responded to these concerns.

We are Caritas Health Shield, Inc.

PRODUCTS

OUR NEWEST PROMO:

CARITAS HEALTH SHIELD INC.

BENEFITS OF EXPANDED CORE-6 HEALTHCARE PROGRAM (SANDIGAN)

Family Plan

• Minimum of 3 members like a father, a mother and the eldest child (or if you want to cover all your family members, it should be ranging from 7-60 yrs. old) –hierarchy is strictly implemented.

Benefits:

1. Out-Patient Services: (In any Clinica Caritas Clinics only)

            a. 12 consultations/year

            b. Annual Physical Examination

            c. Dental Services

            d. Special Diagnostic and Laboratory Procedures

            e. One (1) Pre-Designated Dependent (4 Consultations free)

2. Emergency Care (In any Caritas Accredited Hospitals)

3. Hospitalization:

            a. Room and Board

            b. Doctors Professional Fees

            c. Medicines

            d. Laboratories and Diagnostic procedures

            e. Surgical or medical equipment and facilities

            f. Dressing, plaster cast, and other medical supplies

4. With Increasing Maximum Coverage every year while premium is fixed.

5. With free one year coverage.

. . . . .

Expanded GOLD Health Care Program

The Expanded GOLD Health Care Program is a first of its kind HMO program that limits your obligation to a five year paying period.  It offers the most comprehensive Health Care program in the industry that includes, among others, the following benefits and features:

Ø  Protects you from any premium increases through a 5-year pay plan with a level premium for 5 years. 

Ø  A yearly increase in the Maximum Amount of Coverage per Illness and Maximum Daily Room Rate upon first installment for your medical benefits.

Ø  You continue to enjoy the increasing Maximum Amount of Coverage per Illness and Maximum Daily Room Rate for an additional period of 1 or 5 years after the paying period (without paying additional installment). 

Ø  Guarantees you the availability of a Medical Fund for your medical benefits on the 7^th or 11^th year and onwards. 

Ø  Build your Medical Fund through a guaranteed 5% yearly increment. However, if you do not avail of any of the Medical Expense Benefits during the entire paying period, the Medical Fund increases by 8%.

Ø  You can charge the Medical Expense Benefits incurred by an immediate family member to the Medical Fund on the 7^th or 11^th year and onwards. 

Ø  Your responsive Medical Expense Benefits Package composed of: 

ü  Hospitalization Benefits

ü  Emergency Care and

ü  Special Diagnostic and Laboratory Procedures,

Ø  Your all-inclusive Membership Privileges Package composed of

ü  Outpatient Services

ü  Annual Physical Examination

ü  Preventive Health Care

ü  Dental Care, 

ü  Other Services, and

Ø  You have a Four-Way Comprehensive Insurance Package,

Ø  Plus a host of additional features that includes among others:

ü   Coverage of Pre-existing Illness

ü   Additional Benefits during the 7^th or 11^th year and onwards.

ü   Provisions on transfer and assignment

ü   Grace Period and

ü   Plan Termination Values.

Membership in Caritas Health Shield assures you of a nationwide, round-the-clock health protection made possible by a young and growing HMO Company owned and managed by eminent physicians and business professionals in consortium with a nationwide medical services network of health care providers numbering more than 361 hospitals, 192 clinics and laboratories, 7,074 doctors and 472 dentists.

It also makes available to you, accessible, convenient and customer friendly laboratory, diagnostic and medical services of our very own   nationwide network of over forty (40) clinics.

Through the Caritas Expanded Health Care Program, you will be able to do more than just provide for your present health needs; you will be securing your future health requirements as well.

. . . . .

Expanded PRIME Plus Health Care Program

The Expanded PRIME Plus Health Care Program was launched in August 2004 in response to the need for a health care plan that will provide sufficient health coverage and still limits your obligation to a five year paying period. It is an adequate, value-for-money Health Care Program that includes, among others, the following benefits and features:

Ø  Protects you from any premium increases through a 5-year pay plan with a level premium for 5 years.

Ø  A yearly increase in the Maximum Amount of Coverage per Illness and Maximum Daily Room Rate upon first installment for your medical benefits.

Ø  You continue to enjoy the increasing Maximum Amount of Coverage per Illness and Maximum Daily Room Rate for an additional period of 1 or 5 years after the paying period (without paying additional installment).

Ø  Guarantees you the availability of a Medical Fund for your medical benefits on the 7th or 11th year and onwards.

Ø  Build your Medical Fund through a guaranteed 5% yearly increment. However, if you do not avail of any of the Medical Expense Benefits during the entire paying period, the Medical Fund increases by 8%.

Ø  You can charge the Medical Expense Benefits incurred by an immediate family member to the Medical Fund on the 7th or 11th year and onwards.

Ø  Your responsive Medical Expense Benefits Package composed of:
 

ü  Hospitalization Benefits

ü  Emergency Care and

ü  Special Therapeutic and Surgical Procedures

Ø  You enjoy free Annual Physical Examination for 6 or 10 years

Ø  You have a Four-way Comprehensive Insurance Package,

Ø  Plus a host of additional features that includes:

ü  Coverage of Pre-existing Illness

ü  Additional Benefits during the Expanded Period of Coverage

ü  Provisions on transfer and assignment

ü  Grace Period and

ü  Plan Termination Values.

Ø  At a very affordable cost to the member with his/her required Active Membership to the government’s Philhealth program      

Membership in Caritas Health Shield assures you of a nationwide, round-the-clock health protection made possible by a young and growing HMO Company owned and managed by eminent physicians and business professionals in consortium with a nationwide medical services network of health care providers numbering more than 361 hospitals, 192 clinics and laboratories, 7,074 doctors and 472 dentists.

It also makes available to you, accessible, convenient and customer friendly laboratory, diagnostic and medical services of our very own nationwide network of over forty (40) clinics.

Through the Caritas Expanded Health Care Program, you will be able to do more than just provide for your present health needs; you will be securing your future health requirements as well.

. . . . .
 

Expanded PREMIER Health Care Program

The Expanded PREMIER Health Care Program was launched in August 2006 in response to the need for the same benefits of the Expanded GOLD Health Care program at more reasonable prices.  Even with its affordable cost, it still offers the most comprehensive Health Care program in the industry that includes, among others, the following benefits and features:

Ø  Protects you from any premium increases through a 5-year pay plan with a level premium for 5 years. 

Ø  A yearly increase in the Maximum Amount of Coverage per Year and Maximum Daily Room Rate upon first installment for your medical benefits.

Ø  You continue to enjoy the increasing Maximum Amount of Coverage per Year and Maximum Daily Room Rate for an additional period of 1 or 5 years after the paying period (without paying additional installment).

Ø  Guarantees you the availability of a Medical Fund for your medical benefits on the 7^th or 11^th year and onwards.

Ø  Build your Medical Fund through a guaranteed 5% yearly increment. However, if you do not avail of any of the Medical Expense Benefits during the entire paying period, the Medical Fund increases by 8%.

Ø  You can charge the Medical Expense Benefits incurred by an immediate family member to the Medical Fund on the 7^th or 11^th year and onwards.

Ø  Your responsive Medical Expense Benefits Package composed of: 

ü  Hospitalization Benefits

ü  Emergency Care and

ü  Special Diagnostic and Laboratory Procedures

(if procedure is outpatient, you will avail at the Diagnostic Center designated by Caritas Health Shield)

Ø  Your all-inclusive Membership Privileges Package that you will avail at the Diagnostic Center designated by Caritas Health Shield composed of:

ü  Outpatient Services

ü  Annual Physical Examination

ü  Preventive Health Care

ü  Dental Care,

ü  Other Services, and

Ø  You have a Four-way Comprehensive Insurance Package,

Ø  Plus a host of additional features that includes among others:

ü  Coverage of Pre-existing Illness

ü   Additional Benefits during the Expanded Period of Coverage

ü   Provisions on transfer and assignment

ü   Grace Period and

ü   Plan Termination Values.

Ø  At a very affordable cost to the member with his/her required Active Membership to the government’s Philhealth program

            Membership in Caritas Health Shield assures you of a nationwide, round-the-clock health protection made possible by a young and growing HMO Company owned and managed by eminent physicians and business professionals in consortium with a nationwide medical services network of health care providers numbering more than 361 hospitals, 192 clinics and laboratories, 7,074 doctors and 472 dentists.

            It also makes available to you, accessible, convenient and customer friendly laboratory, diagnostic and medical services of our very own nationwide network of over forty (40) clinics.

            Through the Caritas Expanded Health Care Program, you will be able to do more than just provide for your present health needs; you will be securing your future health requirements as well.

. . . . .

COMBI Plan

Consistent with its mission of providing the best health care for every Filipino, Caritas Health Shield, in 2008 has come up with another innovative health care program called COMBI Plan.  This exceptional product provides the member/planholder with the medical services of the Expanded Core Health Care Programcombined with thepension benefits of the Caritas Fund Provider.  Caritas Health Shield offers the member/planholder with financial security of a pension plan, the protection of its four-way insurance package and the versatility of its medical services package.  Refer to a quick listing of its features and benefits below:

Ø  Protects you from any premium increases through a 5-year pay plan with a level premium for 5 years. 

Ø  A yearly increase in a double Maximum Amount of Coverage per Year and Maximum Daily Room Rate upon first installment for your medical benefits.

Ø  You continue to enjoy the increasing double Maximum Amount of Coverage per Year and Maximum Daily Room Rate for an additional period of 1 or 5 years after the paying period (without paying additional installment). 

Ø  Guarantees you the availability of your Pension Benefit with your choice from either Lump Sum payment, Interest Payment plus Pension Benefit & Partial Withdrawal plus Interest options on the 11^th year. 

Ø  Your responsive Medical Expense Benefits Package composed of: 

ü  Hospitalization Benefits

ü  Emergency Care and

ü  Special Diagnostic and Laboratory Procedures

(if procedure is outpatient, which you will avail at the Diagnostic Center designated by Caritas Health Shield)

Ø  Your all-inclusive Membership Privileges Package that you will avail at the Diagnostic Center designated by Caritas Health Shield composed of:

ü  Outpatient Services

ü  Annual Physical Examination

ü  Preventive Health Care

ü  Dental Care, 

ü  Other Services, and

Ø  You have a Four-way Comprehensive Insurance Package

Ø  Plus a host of additional features that includes among others:

ü  Coverage of Pre-existing Illness

ü   Provisions on transfer to another person

ü  Grace Period and

ü  Plan Termination Values or Pre-maturity benefit on the Caritas Fund Provider

Ø  At a very affordable cost to the member with his/her required Active Membership to the government’s Philhealth program

Membership in Caritas Health Shield assures you of a nationwide, round-the-clock health protection made possible by a young and growing HMO Company owned and managed by eminent physicians and business professionals in consortium with a nationwide medical services network of health care providers numbering more than 361 hospitals, 192 clinics and laboratories, 7,074 doctors and 472 dentists.

It also makes available to you, accessible, convenient and customer friendly laboratory, diagnostic and medical services of our very own Clinica Caritas nationwide network of over forty (40) clinics.

Through the Caritas Expanded Health Care Program and the Caritas Fund Provider, you will be able to do more than just provide for your present health needs; you will be securing your future financial requirements as well.