how to get health care for virtual assistants

How To Get Health Care For Virtual Assistants

By Jomar Hilario

Take care of your body.

It’s the only place you have to live.

- Jim Rohn

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Q. What is the best health care in the Philippines?

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A. There are many good health care providers in the Philippines.

Q. Which Health Card are available especially for VAs? How much to pay and the features? How much will it cost me, say I'm turning 29yo next year?

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A. There are two kinds of health care you need to have. One is Short Term and the other is Long Term so you have also investments. The cost for your age is as low as 2647/month.

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Q. Is there any difference between a health care plan that you can provide to a work at home/self-employed individual and a health care plan that you provide to an employed person?

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A. There is no difference.

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Q. Is there a major obstacle in providing a health care plan for freelancers?

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A. There is no obstacle for freelancers to get a health care plan.

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Q. I just know that some companies get discounts because of the volume of their employees. Does this mean freelancers will get it at a higher price?

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What if we band together and form a group, will we also get a good discount for that, and how many people should that be?

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A. That is true, volume drives costs. If you form a group of freelancers as one unit to purchase the Short term health care plans, you can get a discount.

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However, for the Long Term Health care which is what we recommend we get into is for an individual and so volume does not matter. You can form a group of 10-40. The more the bigger discount.

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Q. What company has a reasonable plan and has "worth your money" benefits and great after sales service?

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A. There are many companies that can give you your money. Kaiser is one of them.

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Q. What is the company name of your health care provider?

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A. Kaiser International Health Group.

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Q. How many years is your company in the health insurance industry?

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A. More than 10 years in the Philippines and more than 30 years in USA and Canada.

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Q. How to purchase your health care? Is it possible to go directly to the provider, or we have to go through a middle-man/agency to do so?

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A. You can go to an agent to get a healthcare. You can also get it directly. We can show you how this is done in IMG.

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Q. How much would be the cost of your health card? What were the coverage? Do they have free check ups?

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A. We have free Annual PE for the Long Term Health care. We have a short term health card for unli-check up. Cost is dependent on what you can afford and the amount of coverage.

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It is as low as 2647/month for ages 10-60 for Long Term and about 5K/year for the short term.

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Q. How much is the plan? What are the mode of payments (yearly, monthly?) What are the accredited hospitals?

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A. Plan is about P 2647 and higher for long term healthcare for ages 10-40 years old. Mode of payment is monthly to yearly. It’s your choice.

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It has very competitive cost and accredited to more than 500 major hospitals all over the Philippines.

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Q. How much does it cost for a health card that covers lab, checkups, dental, normal delivery/CS for pregnant women.

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Also, can I enrol my parents as dependents even they're not yet in their 60's and they have their own Philhealth? I'm married, if that's relevant info. :)

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A. We have unli-check up for a cost of as low as 1000Php, and we have Short Term Health care for ages 10-60 but it covers most of what you require except for CS/Delivery for pregnant women.

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Q. How much monthly and yearly fee(if it has different amount)? How much is the total medical and/or dental coverage?

A. Coverage or amount to be paid is dependent on what you can afford and what coverage you want to have. Dental care is also covered by the Long Term Healthcare.

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Q. Are all my family members covered by this health card? Are all hospital and doctors accredited by the health card?

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A. Yes. All family can be covered if that is the type of Health card you get. No, not all hospitals and doctors are accredited.

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Q. How much it will cost if I avail one and for my husband as dependent? Cost for couple with 2 kids? Is pre natal included? With dental?

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A. Group healthcare for two or family of four ranges from 5-10K/person dependent on what benefits you want to have. This includes dental check ups. Pre-natal not covered.

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Q. Do you have a long term care insurance?

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A. Kaiser provides Short term, Long Term and even Senior Care.

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Q. What age can it be availed? Until what age can it be covered?

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A. Long Term Health Care age range is 10-60 years old.

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Q. I am an OFW, can I use your health card here abroad? How do I get this health card? How affordable is it especially if you’re still starting?

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A. Yes. You can use it but it is only here in the Philippines you get 100% coverage on accredited hospitals. You can avail of the Health card anywhere you are through e-App which is an online application.

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It is very affordable as it can start for as low as P2647/month for ages 10-40 years old.

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Q. What is the maximum age of coverage?

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A. For the Short Term, we have Senior Health care Plan which can cover age 61-75 years old. For the Long Term Health care which covers you for life, you need to get it before you reach 60.5 Years old.

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Q. What are the inclusions in your health care plans? Can you name some of it?

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A. If you pay for one year, you have a FREE Annual PE and Oral Prophylaxis. Also Free unli tooth extraction.

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Q. Does the availment limit only in some specific clinic and hospitals?

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A. Yes and No. We have accredited hospitals all over the Philippines . We can avail of 100% of the benefit limit on these hospitals.

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For the non-accredited, you can still get admitted in it but you can only avail of 80% benefit limit.

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Q. Can I enrol my parents as dependents even they're not yet in their 60's and they have their own Philhealth?

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A. Yes. You can also get them for themselves up till 60 years of age.

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Q. Does it the company (health card company) pay the hospital / clinic directly?

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A. The Health card company pays the hospital directly.

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Q. Do we need any documentation to present when we have to pay the bill in the hospital or just present the card?

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A. You just present your Policy Number.

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Q. May health card po ba na covered ang pre-existing conditions ng dependents? A. None

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Q. Can pre-existing conditions be waived like they do in corporate accounts? Does the outpatient consultation need to be in specific clinics only?

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A. Cost depends on what you can afford and what coverage you need to have. Lowest is 4412/month for ages 51 and up for the Long Term Health Care.

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For Short Term Healthcare , the cost can be as low as 5K/year. No waiver on Pre-Existing. Out patient and consultation is covered on our Short Term.

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For full coverage, clinics should be those that are accredited. In case non-accredited, you can still use but only about 80% will be covered.

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Q. I have a pre-existing condition. I had a total thyroidectomy last September 2013. I am still visiting my doctor for post-monitoring.

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If my endocrinologist is a health card member, will the laboratory and consultation fees be counted in the plan?

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A. Your condition is pre-existing and so won’t be covered in the Short Term. The solution is to get a Long Term Healthcare plan.

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Q. How long does it take to reimburse the health coverage? If we avail the health card are we tied in a contract? For how long?

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A. Health care has policy tenure. You need to make sure payments are made no later than 60 days from due date. In case policy gets lapsed, the reinstatement can be availed of up to maximum of two years.

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Q. How long does it take to reimburse the health coverage?

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A. This is relative to many factors like complete documents, hospital used, location. Reimbursement only is done if the hospital is not accredited.

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Q. Care to give us any advice/heads up when choosing a health care provider?

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A. We will provide guidance for all your investment and protection needs. You then make a wise decision.

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Q. What is the best health care plan for me that is not expensive?

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A. We can tailor fit your Health Care plan with your need based on your health condition and what you can afford.

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Q. What are the things we should consider in choosing a health care provider?

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A. Factors such as: 1.Cost 2. Hospital and Doctors Network 3. Ease of Use

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Q. Is it possible to have two different health care providers? If so, is it advisable to do so?

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A. Yes. You can have two healthcare providers but you can't use both automatically. This needs approval. We still advise you get short and long term health care plans.

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Q. Do you have a website for online application?

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A. Img-corp.com for Agents portal only.