Healthcare Insurance with SAVINGS PROGRAM

Short Term Healthcare

Traditional HMO

Long Term Healthcare

Health savings account

1. renewal not guaranteed if with high claims
2. Yearly increase of premium until age 60
3. Generally, no insurance coverage. Some provide insurance, but very low coverage.
4. No accumulation of unused health fund.
5. NO return of premiums for non utilization
6. Covers only up to age 60
7. 7. Pre-existing illness is not covered during the 1^st year and lifetime/permanent exclusions may be issued on the 2^nd year onwards.
8. Not flexible, non-transferable benefit design
9.  Reinstatement is limited only within 30 days of lapse policy.
10. Access to non-accredited physicians and medical network is not covered.
11. Our-patient medicines and cosmetics not covered.
12. Anxious, worrisome and insecure healthcare status after employment or during retirement years.
13. Continuous yearly payment terms

1. Renewal guaranteed.
2. Fixed premiums for 5 years.
3. With four way insurance coverage up to the long term healthcare plan: a. term life; b. accidental death dismemberment; c. waiver of installment due to death; d. waiver of installment due to permanent and total disability
4. All unused health fund accumulates with interest.
5. With return of premiums up to the contract price for non-utilization during the paying period.
6. Covers beyond age 60 with long term care yields*.
7. Pre-existing is not covered during accumulation period. No exclusions after the 5^th year of coverage.
8. Flexible, transferable, ungradable and maybe re-dated benefit design
9. Reinstatement within 2 years of lapsed policy.
10. Access to the non-accredited physician and medical network is covered after the 5^th year.
11. Out- patient medicines and all illness including cosmetic and maternity is covered after the 5^th year.
12. No worries
13. Five years or spot-cash payment options.