What is the cheapest yet reliable Health Insurance provider for freelancers?

Posted by Fitz Villafuerte under Freelancing, Personal Finance on May 21, 2013

I have read your article “The Benefits of Having Health Insurance” and I wonder if you could recommend any provider. I am currently paying my Philhealth as self employed but I want to find out if there are other options. My google research led me to Kaiser Health Group, which I have not heard yet. Any feedbacks/reviews just in case you have knowledge about them. Thanks.




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6 Responses to “What is the cheapest yet reliable Health Insurance provider for freelancers?”

  1. Haven’t heard of Kaiser Health Group yet… but i do know of Caritas Health Shield. It is very aggressive in its marketing efforts nowadays — bombarding your mobile phones with messages about free health card, etc. It is not actually (technically) a scam… I’d like to call it a marketing ploy to lure you into their office and hear about their health insurance products. I admit, it is a major turn off for me… But, I know for a fact of the benefits of having my own health card especially when I was not employed by a big company. It works like a pre-need plan. You pay in monthly, quarterly, semi-annual or annual installments for 5 years. During this pay-up period, the card holder gets free consultation, lab, in-patient assistance, etc. (just like a regular HMO card). Upon maturity of your plan (that is, when you have fully paid for it after 5 years), you have by then accumulated a fund. Your benefits are limited to free consultations only but you can use the plan to cover your dependents’ and beneficiaries and also your own medical expenses, but these will be deducted from the fund you have accumulated. If you don’t use up your fund, you can get the lump-sum when you turn 60 or 65 (can’t remember accurately). In my opinion, this is a good enough investment for freelancers. I was even able to use it to cover my C-section delivery and I still have quite a small amount left in my plan. hope this helps!

  2. Dexter says:

    Kaiser Health Group is an 8th year old HMO company that is being marketed by it’s broker IMG (International Marketing Group). You can check for more information at their website – http://www.kaiserhealthgroup.com/about.php and on my blog http://www.pinoyinvestmentguide.com/imgtrm/kaiser-faq/what-is-kaiser-long-term-health-care/113/?sid=askfitz .

    It is the prime product in providing a long term healthcare beyond our senior years. It provides the needed security and protection for our healthcare needs on our retirement years.

    Kaiser is not a pre-need for you can use it as soon as you pay your first investment. It is also accredited by major hospitals such as Makati Medical, St. Lukes, Asian Medical among many others. It is registered and controlled by three Government regulating bodies: SEC-Securities and Exchange Commission, DoH- Department of Health, and IC- Insurance Commission.

    When we invest in Kaiser, 51% of the funds goes to Mutual Fund Investment and the funds are managed by no less than the best fund manager in the Philippines.

  3. Dexter says:

    It is our prime product in providing a long term healthcare beyond our senior years. It provides the needed security and protection for our healthcare needs on our retirement years.

    Kaiser is not a pre-need for you can use it as soon as you pay your first investment. It is also accredited by major hospitals such as Makati Medical, St. Lukes, Asian Medical among many others. It is registered and controlled by three Government regulating bodies: SEC-Securities and Exchange Commission, DoH- Department of Health, and IC- Insurance Commission.

    When we invest in Kaiser, 51% of the funds goes to Mutual Fund Investment and the funds are managed by no less than the best fund manager in the Philippines.

  4. John Smith says:

    I know Kaiser International Healthcare for 3 years and upon checking I cant see their company financial review, how the money being invested, where the client money goes… etc all is just a magical words that have no prof. As an investors we need a solid evidence like numbers and presentation. Just like SumLife and other good companies that shares those information. Always remember that words enough is not a good evidence in the court they need prof.

  5. Vladimir says:

    Kaiser is a scam. Don’t get duped.

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