Healthcare in the Philippines is getting more expensive every year.
And if you’ve ever seen a hospital bill lately, you know one thing for sure: PhilHealth alone is not enough.
Good news.
Protecting yourself doesn’t have to be complicated.
You just need a clear, 3-layer system that covers everyday checkups, emergencies, and major illnesses.
Let’s break it down in the simplest way possible.
Layer 1: PhilHealth — The Foundation
PhilHealth is where everything starts.
It’s your basic government support for hospitalization.
But here’s the catch:
It only pays fixed case-rate amounts, and the real cost of treatment is almost always higher.
A few examples based on recent case rates:
- Simple incision & drainage: ₱7,099
- Radical mastectomy: ₱42,900
- Tumor excision w/ reconstruction: ₱114,660
If the hospital bill exceeds those amounts, the extra cost comes straight out of your pocket. (This is where your MediCard HMO steps in)
PhilHealth helps.
But it’s not designed to cover your entire bill.
Layer 2: MediCard VIP HMO — The Everyday Shield
This is your frontline protection.
It covers the medical concerns most Filipinos face every year:
- Emergency cases (local and abroad)
- Doctor consultations
- Lab tests and diagnostics
- In-patient and out-patient care
- Preventive checkups
In short:
HMO saves you from shock bills caused by sudden illnesses, injuries, or unexpected hospital visits.
If you’ve ever had a family member brought to the ER, you know how important this is.
Layer 3: AIA Critical Illness Insurance — The Critical Guard
This is the layer Pinoys often overlook.
But it’s the layer that saves families from financial collapse.
Critical illness insurance provides a lump-sum cash benefit when you’re diagnosed with a major illness like cancer, stroke, or heart attack.
And you can use the money for anything:
- Treatment
- Medications
- Recovery
- Income replacement
- Household expenses
Major illnesses don’t just attack your body.
They also attack your savings, your income, and your lifestyle.
This layer protects all three.
Why All 3 Layers Matter
One protects your health.
One protects your wallet from everyday medical bills.
One protects your entire financial future if something life-changing happens.
Together, they form your healthcare fortress.
A defense system that keeps you safe on all sides.
Most Filipinos only build this fortress after a medical emergency.
You don’t have to wait for that moment.
Is your healthcare fortress complete?
If you want a personalized assessment of your layers: what’s missing, what’s strong, and what needs upgrading. I can help you.
I create custom healthcare protection plans using:
MediCard Full HMO AIA Critical Illness Insurance Options tailored to your budget and health needs
Send me a message, and I’ll build your 3-layer defense with you.
Your health deserves protection.
Your family deserves peace of mind.
And you deserve a healthcare fortress that won’t fail when life gets unpredictable.
