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  • WHY GOOD HEALTH COVERAGE IS A MUST

    05 July 2018


    Everyone knows that health is wealth. However, many fail to realize the real connection between health and their finances, or if they do, fail to prepare accordingly. 

    [INFOGRAPHIC] HOW TO MAKE EMPLOYEES HAPPY

    The fact is, not many get proper health coverage, failing to understand that having good coverage actually protects their wealth, and a lack of it brings financial despair.

    Here are three reasons why you should make sure that you have good health coverage:

    Rising medical costs. The costs of medicine, laboratory tests, and medical procedures are not immune from price increases, and it is even increasing at a faster rate than inflation. According to the latest data from the Philippine Statistics Authority (PSA), per capita health spending of Filipinos grew by 9.2% in 2015 and 8.7% in 2016.

    One can only imagine how much more expensive procedures such as a coronary bypass will be in the future, when they currently cost up to P1.17 million.

    That is why it is important to have a source of funds in case an unexpected medical emergency happens.

    Rising incidence of critical illnesses. More and more people are suffering from critical illnesses such as heart disease, stroke, and cancer, with contributors such as stress, environment, and lifestyle getting worse every year.

    According to data from the Department of Health and Philippine Statistics Authority, yearly deaths due to heart disease have increased from only 60,417 in 2000, to 102,775 in 2016. Similarly, deaths due to diseases of the vascular system (such as stroke), have increased from 48,271 in 2000, to 90,390 in 2016, while cancer increased from 36,414 in 200, to 60,470 in 2016.

    That is why it is important to live a healthy lifestyle to reduce the likelihood of a critical illness.

    Getting older means more health-related issues. We just have to accept that aging is a part of life. No matter how healthy and strong you may have been in your younger days, your physical body is mortal and will break down.

    That is why it is important to start living a healthy lifestyle while you are young, and to continue being active and fit as you grow older.

    Health coverage through your bank

    The good thing is that getting proper health coverage is now so much easier - you can even get this from banks, through the power and synergy of bancassurance.

    Bancassurance is the distribution of life insurance through banks. Trusted banks such as Bank of the Philippine Islands (BPI), and established life insurance companies such as AIA Philippines have partnered together to bring financial protection and security to more Filipinos through BPI AIA. Considered the number one bancassurance company in the Philippines, BPI AIA is committed to help Filipinos achieve financial security and wellness.

    BPI AIA has health products such as Critical Care Plus and Critical Care Max, which are unit-linked health and life insurance plans that provide financial benefits at the early stages of a critical illness.

    These are part of the BPI AIA Wellness Series, a suite of different insurance products powered by AIA Vitality. AIA Vitality is the science-backed wellness program that works with you to make real change to your health. Get the knowledge, tools and motivation you need to do well on your journey towards healthy living so that you get more out of life and enjoy the rewards, while being protected against risks.

    The AIA Vitality journey can be accomplished in three easy steps:

    1. Know Your Health: Discover the state of your health by completing the AIA Vitality Health Review and other health assessments and earn AIA Vitality Points as you do!

    2. Improve Your Health: Once you've completed the AIA Vitality Health Review, we will suggest personal health goals based on your health status. Select the recommended goals you would like to set and use AIA Vitality Partners to help you get healthier and earn AIA Vitality Points along the way.

    3. Enjoy Rewards: Enjoy immediate rewards from an array of partners! Plus, as you work towards improving your health, you earn AIA Vitality Points and increase your AIA Vitality Status. The higher your status, the greater your rewards!

    To know more about how BPI AIA can help you live healthier, longer, and better while securing your financial future, leave us a message or visit the BPI branch nearest you.

    Did you know?

    You can buy a life insurance at any BPI branch nationwide! Talk to a bancassurance sales executive now!

    RECOMMENDED PRODUCTS

    Life Ready Plus

    Protection

    Get the power to protect yourself and your family with an affordable life insurance plan. Life Ready Plus is easy on the budget, but offers coverage of up to 30 times your yearly payment to support the financial needs of your loved ones.

    The plan gives you fast access to coverage and benefits and can match your long-term financial goals when maintained within an appropriate term.

    Philam Life Vitality

    Critical Care Max

    Health

    Critical Care Max will help you make more memories by providing financial aid during the early stages of a critical illness. This unit-linked life and health insurance plan offers assistance on your recovery. You can build a health fund that grows over time, depending on your chosen investment, to pay for other medical costs.

     

    In addition, it comes with a hospital confinement benefit that will replace lost income due to hospitalization. This daily cash benefit may also come with optional benefits like cash payout for surgery-related expenses, allowance for consultation fees, and many others.

    Philam Life Vitality

    Build Estate Plus

    Life Protection

    Let your loved ones enjoy the fruits of your labor even when you’re no longer around. Build Estate Plus is a unit-linked protection plan that will cover your estate taxes after your passing so that you can ease your family’s burden.

    It doubles as an investment savings fund that builds Account Value as you pay. It is also integrated with AIA Vitality that provides additional upfront coverage of 20% to your policy and add-ons.

    Philam Life Vitality

    CRITICAL CARE PLUS

    Health

    Be in good hands in times of sickness. Let Critical Care Plus, a unit-linked health and life insurance plan, take care of you with financial aid in case of a major illness, so you can focus on getting better and spending more time with your loved ones.

     

    It even gives you more benefits for having good health through the AIA Vitality program that adds 20% upfront coverage and supplemental benefits on your policy. 

     

     

    Philam Life Vitality
    Newsletter

    CONTACT BPI AIA

    (02) 8 528 5501

    FACEBOOK MESSENGER

    15th Floor BPI-Philam Life Makati (formerly Ayala-FGU Bldg) 6811 Ayala Avenue Makati City 1226

    CONTACT BPI AIA

    (02) 8 528 5501

    FACEBOOK MESSENGER

    15th Floor BPI-Philam Life Makati (formerly Ayala-FGU Bldg) 6811 Ayala Avenue Makati City 1226

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