Caritas Health Shield 10 year coverage.HMO with money back! Gold D Philippines

Caritas Health Shield - A One of a Kind Health Care Package

Shocking statistics show that some Filipinos that have good savings before, now fall under the poverty line because of hospitalization expenses of a family member! They sell their thriving business, properties to pay medical bills! and end up poor!
Be prepared before illness strikes!

One of the top reasons for bankruptcy is medical problems.

Be Worry free for 10 years and more!!!

Sample computation: Gold D

- pay P41,928 once a year for 5 years (no price increase in 5 years!!!)

YEAR 1:  41,928
YEAR 2:  41,928
YEAR 3:  41,928
YEAR 4:  41,928
YEAR 5:  41,928
YEAR 6: FREE  health coverage
YEAR 7: FREE  health coverage
YEAR 8: FREE  health coverage
YEAR 9: FREE  health coverage
YEAR 10: FREE  health coverage

YEAR 11: GET P100,000 GUARANTEED - medical savings!!! this amount earm 5-8% interest every year guaranteed!!

GET DISCOUNT FOR SPOT CASH PAYMENT

Max coverage per illness is INCREASING yearly. (take note, this is per illness per year. example, in one year, the client is hospitalized for dengue, he/she has 40,000 for that. the same year he gets pneumonia, he/she has 40,000 for that illness, and so on)

YEAR 1: 40,000
YEAR 2: 45,000
YEAR 3: 50,000
YEAR 4: 55,000
YEAR 5: 60,000
YEAR 6: 70,000
YEAR 7: 75,000
YEAR 8: 80,000
YEAR 9: 85,000
YEAR 10: 90,000

POLICY FEE: P200 - good for 10 years

INCLUSIONS:
Term Life, Accidental Death Benefit (100K), Credit Life and Waiver of Premium Due to Disability (6 Months Observation).
In Case of Sudden Death, the beneficiary receives the Life Insurance and becomes the New Card Member for the remaining years, while all succeeding premiums are considered as fully paid, and is entitled to the Money Back.

MEMBERSHIP PRIVILEGES:
- 12 consultations per year
- 10 pre/post natal consulation per pregnancy
- treatment of minor injury or illness
- minor surgery (not requiring hospital facilites)
- eye,ear, nose, throat treatment
- annual physical exam: chest x-ray, CBC, fasting blood sugar, urine and stool examination, pap smear (35 y/o and above), ECG (35 y/o and above), MAMMOGRAM
- immunization (excluding cost of vaccine)
- counseling on family planning

DENTAL CARE:
- 4 consultaions per year
- annual oral prophylaxis
- tooth extraction excluding surgery for impaction
- temporary filling or recementation
- treatment of oral pain, lesions, wounds, and burns

OTHER SERVICES
- 24 hour telephone hotline
- discount on non-covered health services at selected hospitals and clinics, laboratories, drug stores, or optical shops
- up to 4 consultations per year for one pre-designated dependent, who is qualified as such under the SSS Law (RA 8282)

MEDICAL EXPENSE BENEFITS:
- room and board as specified in Art. IV no. 1
- services of an accredited physician or specialist
- laboratory test, x-rays, and other indicated diagnostics
- use of surgical or medical equipment and facilities, namely operating and recovery room, ICU, dialysis and chemotherapy equipment
- administration of anesthesia and/or oxygen
- transfusion of hospital-provided whole blood or plasma
- dressing, plaster cast, and other medical supplies
- prescribed drugs and other medications used in the hospital

EMERGENCY CARE:
- accredited hospital: actual cost
- non-accredited hospital: 80% based on Caritas Standard Rates

SPECIAL DIAGNOSTIC AND LABORATORY PROCEDURES
- x ray
- CT scan
- Basic mammography
- 2D Echocardiography with doppler
- treadmill test
- ultrasound
- MRI
- EMG
- nuclear test
- other procedures deemed appropriate by Caritas
- treatment of minor surgery on the second year
- treatment of major surgery on the third year

AMOUNT you need to save monthly: P3,494

Caritas Non- Traditional Health Maintenance Organization (HMO)

* # 1 Health Maintenance Organization (HMO) Card in the Philippines.
* Established in 1995 by well- known & highly successful group of Doctors and Specialists.
* Has 372 (98%) Accredited Hospitals, 216 Clinics/ Laboratories and 40 Clinica Caritas Nationwide.
* Shareholder- Bank of Commerce (BOC).
* The Only Health Card that offers a unique 3-in1 Package.
* The Only Health Card that has Money Back/ FREE Medical Fund on the 11th Year.
* The Only Health card with a Solid Trust Fund: P7.8 Billion.
* Funds are invested in Hospitals (Lending), Medical Services and Leasing of Medical Equipments.
* Clients are both Individual and Group/ Corporate.
* Caritas gives P10M or less, in advance to their accredited hospitals, so that once the member avails of medical services, the hospital will not have a hard time on their collection.
* Highly regulated by the Securities and Exchange Commission (SEC) and the Department of Health (DOH).
* An active member of the Association of HMO Companies in the Philippines (AHMOPI).
* Our trustee banks are Metrobank, BDO, BPI, Union Bank, RCBC, HSBC, Allied Bank, EastWest Bank and Land Bank, to ensure our obligations to our Card Members.

Premium is Fixed, Saved for Five (5) Years Only (10 Years Coverage), but Benefits are Increasing.

* Medical Expense Limit is Per Illness (You get the same limit for each type of sickness within the year).

for more information:
send me PM here or email qlam_101@yahoo.com for more details, pre-existing conditions, clarifications to avoid any confusion when using the card.