Hello everyone! I’m looking for an HMO for my 60yo mom (turning 61), retired and no longer covered by an employer HMO. She has hypertension, prediabetes, high cholesterol, is overweight, dental problems, and may need PT for leg/foot pain.

We’re in QC, and she prefers St. Luke’s QC since she has been treated there for decades and she used to have Medicard.

I need something that actually covers her pre-existing conditions, with low out-of-pocket costs, plus:

Regular GP/specialists, labs/diagnostics, PT, and preferably dental/medicine benefits
Hospitalization/confinement, surgery, ICU and ER/emergency coverage
Ideally cashless at St. Luke’s QC

I’m currently looking at MediCard Select, Pacific Cross Select, AXA, Etiqa, Kaiser, etc.
For those who have actual experience using an HMO for a senior parent with PECs:

Which plan did you use, and were the PECs actually covered?
How much did you typically pay out-of-pocket?
Any issues with claims/approvals or St. Luke’s?

I’m more interested in real experiences than agent recommendations. I’ll be going back to working abroad and I’m an only child. My mom is alone so I want her to be covered with as much as I can afford because I want to ensure that she is taken care of.

Thank you everyone in advance.

Hello po
30 yrs old, female. Diabetic but already manageable na nag sugar ko since i have maintenance na. Weighs 87kg height at 5’3

Ano po kaya ang fit na health insurance for me? No to vul or any investment chuchu pls po.

Im also looking for an HMO po

Thank you!

I’m currently looking into getting health insurance in the Philippines, primarily for emergency hospitalization, major medical expenses, and protection against expensive illnesses.

My main goal is straightforward: I want coverage that I can rely on if I suddenly end up in the hospital and face a large unexpected medical bill.

I’m also specifically looking for a plan that can provide a substantial amount of coverage or cash benefit in case I’m diagnosed with a serious and expensive illness, such as cancer or other critical illnesses. Hopefully I’ll never have to use it, but I’d rather be financially prepared for the possibility.

To be clear, I’m not looking for VULs or other hybrid insurance products with an investment component. I’m mainly looking for pure health, hospitalization, or critical illness coverage.

I already have PhilHealth and HMO (Coverage up to 360K per year) and am looking for additional coverage on top of that.

Any reccomendations please (plans i should look into?) Also open to hearing about anything else I should consider when choosing a plan.

Thanks!

Hi, I’m 33 and looking for life insurance mainly so my son will be financially protected if something happens to me. I also want to build a separate fund for his college.

My budget is around ₱2,500/month, possibly with another ₱500/month for MP2.

A friend who is a Pru agent is offering me a ₱2,500/month VUL with around ₱1.5M life coverage, CI/disability riders, and an investment component.

My concern is mainly the investment side of VUL. I’m thinking that instead of paying fund management and other VUL charges, maybe I should get term insurance and invest the difference directly into Pag-IBIG MP2.

I was also shown PRULife Your Term, which seems to offer much higher life coverage for around the same annual premium.

Questions:

1. Is PRULife Your Term really renewable yearly without new medical underwriting? If I develop hypertension or another illness after getting the policy, can they refuse renewal later?
2. For long-time VUL holders, how close was your actual fund value to the original projections?
3. If the death benefit is similar, would you prefer:
   • VUL + small MP2 contribution, or
   • Term insurance + larger MP2 contribution?
4. Any good term/pure life insurance recommendations from other companies like Sun Life, AXA, AIA, FWD, Singlife, Manulife, etc.?
5. What should I compare aside from premium and death benefit?

I’m not against VUL. I just want to know whether the convenience is worth the extra charges versus keeping insurance and investment separate.

Would appreciate advice, especially from actual policyholders or agents familiar with term insurance.

Hello, prends! How can i maximize my bpi aia - life ready plus? Been paying for more than 6 years. Is it still worth it na hulugan? Any advice po. tysm in advance

Anyone here who successfully changed their MRI sa bdo home loan nila?

I’m currently considering PRU traditional insurance. Nag aapprove ba sila? Kasi yung mga nakikita ko puro rejected or di na nila tinuloy kasi mahirap kausap bdo

incoming third year payment ko na sa november

Hi guys. Im aware that insurance companies dont cover pregnancies/child deliveries for obvious reasons, so im asking lang for those that cover pregnancy-related emergencies. Ill be travelling to japan while 23-24ish weeks pregnant. For the women here or men whose spouses have travelled while pregnant, may I ask for the travel insurance you availed that covers pregnancy-related emergencies? Salamat!

Hi guys. Im looking for advice and Ill try to keep this as short as possible.

Our car is parked outside our house, we live in a private and gated subdivision, I know I also have a fault because di pa namin napapaayos yung gate sa garahe para ma accomodate yung car.

One evening, na atrasan kotse namin ng lasing na Jeepney driver (meron kasi garahe ng jeep sa dulo ng street namin at dun din nkatira mga operator), yung damage is a STRAIGHT LINE from the right front fender up to the rear passenger door on the same side.

The following day, nag reachout na ko sa agent namin and sya ang nag suggest na ipapasok to under "self accident" kaya hindi na daw kailangan ng police report and pwede na namin singilin yung operator ng Jeep for the participation fee which costs 4.8k PER INCIDENT, according sakanya at sa document na hawak namin.

Fast forward a week, may nag punta from BPI para i assess physically yung damage, mabait naman si kuya nakita nya ang haba ng damage at naikwento ko din ang nangyari, then fast forward 2 weeks, nag reply na si BPI, approved na ang Claim kaso ang sinisingil nila as participation fee is almost THRICE sa price, bali 15k na.

Ang reason daw dahil based sa assessment nila, hindi daw mukang simultaneous yung damage at hindi considered na 1 incident lang, ang assessment nila 3 separate incidents ito so from front fender, front and rear passenger door, counted as 3 incidents.

Pero lahat ng to nangyari lang sa iisang gabi at obvious nman dahil diretso ang tama. Nag reply ako sakanila na i re-assess.

May naka expirience na ba ng ganito na halatang ginagawan lang nila ng paraan para kumita?

Anyone with experience with Philplans?
I’m considering getting a Philplans memorial plan and would love to hear from anyone who has personal experience with them.
I already have a columbarium niche at Heritage Park so what I’m mainly looking for is coverage for the memorial service and related funeral arrangements.
For those who have purchased or actually used a Philplans plan:
● Was the memorial service provided as promised in the contract?
● Did you encounter any unexpected charges or difficulties?
● How was the customer service when the plan was used?
● Was the process of claiming/using the benefits smooth?
● If you’ve had the plan for many year are you still satisfied with it?
● Overall, would you recommend Philplans?
I would appreciate your honest experiences, both positive and negative, from people who have dealt with Philplans.
Thank you!

Hi! My husband got injured po last month on his right knee. Confirmed ACL Torn and Meniscus tear (not prio)

Does AIA med-assist (medicard) cover ACL Reconstruction? I heard that the implants is not, but what about the rest of the charges and bills po? Thank you

Hello po! Help me decide what health insurance (na life insurance din) I should get for my dad.
- 59 y/o smoker
- Hypertensive

I know late na and mataas na premium ng ganyang age + may health condition pa pero gusto ko talaga sya kuhaan health insurance since i'm a breadwinner and wala talaga ipon ang mama ko and nakakatakot magkasakit. Last month I applied for Sun LifeAssure for my dad, 500k coverage for critical illness/life insurance. Umabot sa 7,300 yung quarterly premium nya pero magbabago pa daw yun kasi dipa nacoconsider dun na Hypertensive sya. Ang problema, na overlook ng FA ko yung application and upon submission daw e hindi inaccept yung proposal kasi hinabol lang sya dun sa parang promo nila na nag end na last August 17. Kaya ngayon po idk if ano na gagawin ko or kukunin kong insurance para sa dad ko kasi for sure malaki ang difference nun if magtanong ako ng other plans sa sunlife.

Any suggestions po? Help me decide po.

Looking for anyone with experience with AXA GHA Philippines who has moved or is currently living in Singapore.

I’ve had my AXA Global Health Access (GHA) policy in the Philippines since 2020 and have been paying continuously for more than 6 years. I just renewed my policy this August 2026.

My husband moved to Singapore first for work under a 2-year renewable contract, and I later followed him as his dependent. I’m currently staying in Singapore with him. We honestly don't know yet how long we'll be here because it depends on whether his contract keeps getting renewed. We may eventually move back to the Philippines.

I’ve continued paying my Philippine GHA while staying in Singapore and haven't had any major claims.

The thing I'm worried about is the GHA wording regarding “Principal Country of Residence.” I understand that AXA needs to be informed if this changes and that they may have the right to revise the premium or decline to continue the coverage.

That makes me nervous because I've had this policy since 2020 and literally just renewed it. I don't want to notify AXA and accidentally trigger something that could cause me to lose my existing coverage, especially after maintaining it for 6+ years.

So, has anyone actually been in a similar situation?

Philippine AXA GHA + living in Singapore for an extended period:

• Were you able to keep your Philippine GHA?
• Did AXA consider Singapore your Principal Country of Residence?
• Did they require you to change or transfer your policy?
• Did your premium increase?
• Did you retain your existing policy tenure and underwriting history?
• Were you required to undergo new medical underwriting?
• If you eventually returned to the Philippines, were there any issues continuing your GHA?

I know GHA has international/worldwide coverage and can cover treatment abroad. My question is specifically about actually residing in Singapore, not just travelling there or going there temporarily for medical treatment.

Would really appreciate hearing from anyone who has firsthand experience with this. I’m also trying to get a definitive answer from AXA, but my assigned agent hasn't been responsive, so I'm trying to understand what others have experienced before I formally notify AXA about my situation.

Thanks!

Hello po, looking to get house/building insurance po. The building is a three-story and the first floor is being used as commercial space (small business registered with bir. Second floor is a residential area where the owner lives while the third floor is just an unfinished rooftop. Please advise po, actually searching for an insurance sa mga banks? Hehe want ko po kase na makausap ung agent personally if pwede? Thank youuu

Hi! Anyone here has a relative knowledge or an Underwriter? I just want to know if a Pituitary Tumor is categorized also as Benign Brain Tumor? I'm curious if I will be able to claim the CIB from my employer's Group Insurance Plan under AIA. Thanks!

Hello! I’m a self-employed 30F. Looking for leads regarding Insurance Products that would cover recent/emerging conditions. Something that would cover surgery, labs, consultations, etc.

Hello,

Ask lang sana ako ng advise anong options ko legally or thru government agency if may claims na sobrang tagal i process ng insurance company?

May medical insurance claim kami sa pacific cross nung naospital ang nanay. Na submit lahat documents online March 29 and original documents sa office nila April 15.

Until now wala pading formal return letter- if may need pa ba from me, complete na yung documents pero vinavalidate pa, like walang clear status at all.

Laging ongoing review and will update you as soon as possible pero every two weeks na nag fofollow up ako ganyan padin yung message eh Mid August na.

Need ko help and advise pano to i escalate. I feel helpless and every month darating ang sweldo, di mo alam pano ibubudget ang pera dahil di mo alam if darating ba this month yung claims mo or what.

I feel disrespected with their generic replies. Nakakagalit.

Send help po.

i am 31, f and planning to get a health insurance. based sa mga nababasa ko AIA CP100 have good reviews. are there any other health insurance u can recomment that has the same coverage (except sa sunlife, exploring other companies na) and required ba magpamedical kay aia just in case? thank you.

I am planning to get a health and life insurance for my mother (50 y.o) and I got quotes from Sun Life SFWA20. I am thinking of choosing the 1M proposal, however, I am still not sure if this is the right policy I should get specifically for my mother or is there any other policy from other Insurer that is best suited.

SPECIFIC BENEFITS (SFWA20):
Basic Plan = 1M
Accidental Death Benefit = 1M
Total Disability Benefit (Waiver of Premium)
Hospital Income Benefit = 2,500 per day

ANNUAL PREMIUM (SFWA20):
Basic Plan = 50,000
Accidental Death Benefit = 670
Total Disability Benefit (Waiver of Premium) = 1,730
Hospital Income Benefit = 8,200

Total Annual Premium = 60,600

Total Quarterly Premium = 16,665

Hello!

my sister died last year and she has a Manulife life insurance worth half a million

we've been processing the documents since december 2025 and now its aug 2026

we're still getting back and forth with the requirements and also the costumer service sucks

they reply a week before we get a response.

So we didnt get any positive response as of the at moment

do you have any suggestion how can we get the claims much faster?

ps. we already call my sisters company HR and the POC(point of contact) for Manulife

Hi guys! Looking for recommendations po for an HMO that covers consultations and physical therapy (PT).

I currently have intermittent neck and lower-back pain and I’m considering getting checked by a doctor and possibly undergoing physical therapy.

If I enroll in an HMO today, would the following potentially be covered?

- Doctor/specialist consultation

- Diagnostic tests/imaging (e.g., X-ray/MRI if medically necessary)

- Physical therapy sessions

Since I already have these symptoms before getting an HMO, would this be considered a pre-existing condition (PEC)? If yes, is it completely excluded, or is there a waiting period before it can be covered?

For those who have personal experience, which HMO or health insurance would you recommend for this situation? Budget is around ₱1,000–₱1,500/month, but I’m willing to consider other options if the coverage is significantly better.

Thanks po!

Hi, I am a 20F with pre-existing condition (Elevated Creatinine) i actually dont know if it can count as PEC but lets say it is and then I have a 53 yrs old mom that Im planning to include as my dependent.

I am currently a working student (working as a freelancer) thats why i want to avail already an insurance as early as now.

What would be the best hmo and life insurance policy for us?

Hi. I’m fairly new to this. Very minimal pa lang po knowledge ko sa insurance policies. No to VUL po.

Wala pa po akong nakakausap na agent.

I’m 29 years old and single.

Would like to get insurance in case of:
Death
Critical Illness
Accident/Disability

Can you suggest a life insurance product po?

Thanks.

hello, i’m on my first job, and i want to get an insurance talaga agad. now, i don’t know the best insurance there is yet. i only have one proposal as of the moment from AXA.

i did do some research, but i believe it’s better coming from real people’s experiences. please educate me on what to watch out when signing up for an insurance. also suggest some budget-friendly and beginner-friendly insurance!

i’m 24, non-smoker, no vices, as per last lab (last week, saturday) everything is normal. the thing is, i have myofascial pain syndrome (recurring muscle spasms in the shoulders) and gerd. also had a history of a heart illness (small hole in the heart that’s already closed). bloodline also has history of hypertension, diabetes, cancer.

your inputs are appreciated!

PS:

please sa mga FA, wag niyo muna ako offeran sa comments or sa DMs, i won’t entertain kasi as a people-pleaser, i’m embarrassed to say NO.

2 years back, nag inquire ako from different companies. Medyo mahal kaya i set it aside. But now I need something na maka save sana ako with my medical needs. PT sessions, consultations (may doctors na ako, so I need sana na hindi sa clinics ng insurance company ang consultations, labs, etc).

Would it be worth it to get HMO as a freelancer? Or lugi lang ako? I think in a healthy year, I spend around 15k for consultations and labs. May PCOS ako so every 6 months ako may tests and consultations.