In 2016, the World Health Organization said that life
expectancy across the globe has increased by five years since 2000. This is a
result of better access to basic healthcare and innovations in preventing
treatable diseases. While this information bides good fortune, there is a
growing need for older adults to better plan for their futures when they no
longer receive a regular income after retirement.
Life just as planned
The usual route to compensate a medical need is to turn to
one’s savings, however with the rising cost of healthcare globally, this could
easily deplete funds for the future. That’s why when it comes to assurance,
especially with one’s health, a better option for preparation is a
comprehensive health plan.
Most adults depend on health plans provided by their
company but are limited by many criteria. There are limited conditions and
beneficiaries covered by health plans, typically carried out by HMOs. The
biggest consideration is that when the employee leaves the company, the health
plan also terminates. This becomes problematic for parents who are going into
retirement, or retired parents of policy holders.
There are many pros and cons to weigh in choosing the right
insurance plan but having a separate one independent of employment and any
other external factor is the best choice. It’s also important that the
insurance provider has a suite of products that can answer both financial and
physical needs, as well as a strong infrastructure that makes claims easy to
process.
That’s why there is BPI-Philam Critical Care Plus.
The Real Coverage of Good Health Insurance
Critical Care Plus is a variable life insurance that
provides coverage against a wide array of major diseases and critical illnesses
and sets aside funds for rainy days. It's a double-advantage policy that gives
life insurance coverage, securing the family against financial strain in an
emergency, and health coverage which pays for medical bills that may arise in
the future, allowing families to keep their savings undisrupted.
With Critical Care Plus, the insured automatically gets a
cash benefit upon diagnosis of any of the covered critical illnesses. He or she
is also exempted from making any future payments to the policy to focus on
getting better.
Before that happens, however, Critical Care Plus, as part
of BPI-Philam’s Wellness Series, provides rewards and benefits for the insured
through Philam Vitality.
Philam Vitality gives the insured a better understanding of
their health’s current state and what they can do to better it. The program
also provides upfront additional coverage of 20% while the insured’s lifestyle
is improved through health-improving decisions, amplifying their choices with
fun and practical rewards like exclusive discounts on lifestyle products and
services.
Integrated with Philam Vitality, Critical Care Plus also
promotes a balanced lifestyle through deals on medical services as well as gym
membership so they can really commit to a new active lifestyle.
Critical Care Plus also builds a health fund over time that
can be used for additional medical services, or any expense they might also
have--assisting policy holders whenever they have need of it.
With the proper plan in place, parents can be assured that
they and their families can enjoy the lifestyle they live now worry-free until
the many years to come.
The journey towards a secure and better future starts with
a plan, and the best one gives a whole lot more when kept for longer. Visit
BPI-Philam's official website www.bpi-philam.com or Facebook page
www.facebook.com/BPIPhilamOfficial to know more about Critical Care Plus and
all the other solutions in the Wellness Series. Each BPI and BPI Family Savings
bank also has Bancassurance Sales Executives ready to give expert advice so
anyone can live life just as they planned.
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