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'Our Hospital Bill Was Supposed To Be P18,000+ But We Paid P40'
  • “Is it practical to get a medical/health and life insurance for my baby?” It is a question that has undoubtedly crossed every parent’s mind at some point. (If you want to know what experts say about life insurance for baby, read here.) But it is the impact of its costs on the family budget that goes into the decision.

    Paying P40 only for emergency care

    When mommy Han shared the importance of getting a health maintenance organization (HMO) on the Smart Parenting Village, SmartParenting.com.ph’s Facebook group, she got a deluge of comments, support, and queries. (Click here to read the thread.)

    On her post, Han shared her child was hospitalized recently. “Sobrang taas kasi ng lagnat at hindi nag su-subside. Sobra sobra pa siyang inuubo.”

    It was Han’s child’s third hospital confinement, assumedly for the year. Thanks to her HMO, the mom shared she paid Php40 only of the Php18,000+ bill.  

    The experience made Han share that she was planning to get her life insurance for her child and asked the members of the Village for recommendations.

    What other parents are reading

    Company health cards with family coverage

    Mom Abiegale says her child is covered by her hubby’s company health card. The annual cost is Php18,000, but her husband pays Php4,000 only since the company shoulders the rest. “Maganda siya kasi walang babayaran sa checkup,” she shared.

    Mom Krn says her company’s health card covering her family was indeed a big help. She narrates how her 11-month child fell off the stairs once and had to be confined overnight for an X-ray, CT scan, and observation. At the time, she had been broke, so it was fortunate her health card paid the bill.


    “Naging bill namin was almost Php50,000 din. Kaya pag naghahanap ako company, I make sure na pati family ko covered sa health benefits,” Krn says.

    What other parents are reading

    Maternity coverage

    Another Smart Parenting Village mom, Kristeen, was surprised to know HMOs covered pregnancy and birth. Mom Han had shared her health card covered everything when she gave birth. “CS pa naman ako mommy. Kaya medyo may kamahalan talaga.” Han adds her card also included regular well-baby checkups

    Mom Cherilyn, covered by her husband’s company health card, says it was a big help financially during her pregnancy. “Imagine di kami mayaman — simpleng employees lang kami, no business or other sources of income — pero sa St.Luke’s ako nanganak dahil sa HMO and health benefits ni hubby sa company nila.”

    One mom refers to her health card as “pinaka-affordable.” She says for as low as Php7,776 annually, the card covers in- and out-patient benefits, confinement, laboratories, dental care, and life insurance.

    What other parents are reading

    Before you decide to get life insurance

    Speaking from experience, Joanne, who has a life insurance card for her and her children, gives these tips to her fellow moms before deciding to buy.

    • Magpaorient ka sa iba’t ibang life insurances. Ito ay para marami kang options at mako-compare mo ang pros and cons nila.
    • Consider the agent. Mas maganda ang kakilala para kung may problema or kailangan mag-transact ng kahit ano, mas madali. Mas may compassion pa.
    • Consider the benefits and length of pay. Look at investment (VUL), sum-assured, hospitalization allowance, critical illness, endowment, and the number of years to pay.
    • Check mo yung best package. What can they offer based on your budget?
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    “Hindi po ako financial advisor pero ginawa — at ginagawa — ko pa rin po mga yan kahit may life insurance na po kami ng anak ko. Good luck po. Good step po ginagawa ninyo,” she assures.

    What other parents are reading

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