Getting a health insurance may not seem as urgent as paying for your bills, your rent, your gas, your kids’ tuition fees. That’s why it’s always easier to say “later” to it than to see its relevance now. 

 

It’s not until you encounter a health emergency when you see just how important it is. Many of us experienced this in the last three years of the pandemic. Filipinos’ out-of-pocket spending for health rose to 9.2% in the year 2021 versus the 4.1% increase in 2020. 

 

The high demand for excellent healthcare coupled with the increasing inflation should be enough motivation for you to make plans now vs. later when getting healthcare becomes even harder to afford.

 

With AIA’s Health Invest Plus, you get coverage for your healthcare and accidents too. Should you get diagnosed with any of the 56 major critical illnesses that the product covers, you will be provided with cash benefits to help with your healthcare until you reach 75 years of age. At this point, you’re already exempted from future payments. 

 

For cases of confinement due your critical illness, you can add an optional rider to your plan where you will be provided with daily cash benefits for your stay in the hospital.

 

This product also gives you access to expertly- managed investment funds so you can set aside more money to cover other healthcare expenses.

 

Before reaching the age of 72, if you accidentally get injured, disabled, or pass away, you also get additional cash. And your family is provided with life insurance coverage, which may be the original face amount or the account value whichever is higher.

 

Finally, AIA offers 4 payment options. You can pay in 3, 5, 7 or 10 years, whichever is most convenient for you.

If you can’t picture how helpful this plan is, let’s tackle an example. Say you purchase this plan at 25 years old and pay P56,990 every year for 10 years. In that span of time, your expertly-managed investment fund grows.

 

Then, at age 55, you suddenly get diagnosed with cardiomyopathy. From that age until you’re 75, you get a lump sum cash benefit to help treat your heart condition. Plus, you are exempted from future premium payments.

 

You also can advance 25% of your coverage if you get diagnosed with any of the covered 11 early stage conditions. 

 

Should you get confined for your condition, you can get up to P2,000 per day for 365 days to cover confinement expenses. 

 

Then, once out of the hospital, you get your lump sum cash along with the investment fund AIA helped grow. You need not to worry so much about your expenses and can actually focus on recovering. Imagine having said “later” to that offer. 

 

Know more about Health Invest Plus through our financial advisors who are ready and excited to take your questions. Go book your appointment now and start investing on your health. Better now than later!