Put yourself at ease by protecting those you love
09 December 2018
2018 is almost over. But it’s not too late to end it on a high note. Why wait until next year to start taking steps to a healthier, better you? Walk into the New Year primed for success, with your head held high and feeling great with these tips to help you end this year healthy and well.
Get a baseline
If you don’t get regular physical exams, now is the time to start. It’s difficult to reach a destination if you don’t even know where you are right now. A comprehensive physical will give you a baseline of your health: a picture of where you’re at health-wise that will help you map out future health goals. Even people who feel perfectly healthy need to get regular check-ups to help prevent illnesses from sneaking up on them in the future. Early diagnosis is the key to stopping some major illnesses, like cancer, before they turn deadly.
How often to get regular exams depends on your age group and current illnesses, but a good rule of thumb is every two to three years for people ages 30 and under, every other year for people in their 30s and 40s, and every year starting at age 50.
Start planning your goals for next year
Once you have a full picture of your current state of health, you and your doctor can come up with some goals for improving your overall wellness. Whether you need to lose weight or lower your blood pressure, lifestyle changes like diet, exercise and meditation can have a huge impact on your numbers. Talk to your doctor, do some research, then set concrete, achievable goals that you’d like to hit in the next year.
Assess your financial security based on health needs
If you are the primary financial provider for your family, or even if you are only supporting yourself, it’s important to assess what your financial needs will be over the next few years depending on your current health. If your physical exam turns up any health issues that need addressing, or if you have major health events on the horizon such as a planned pregnancy, you will need to make sure you have adequate finances to cover the costs of healthcare and medication for these issues.
Even if you are in great health, assess your emergency funds to see if you have enough finances to cover a terrible accident or a major disease that could easily come your way in the future.
Start securing your financial health
Is your income enough to fund these healthcare costs on top of your regular living expenses? If not, how can you supplement your funds with additional income and wise investments? BPI AIA’s Critical Care Max is a life insurance plan that is designed specifically to help cover the costs of unforeseen illnesses, accidents and healthcare costs. This unit-linked investment plan allows you to grow a health fund, as well as provides additional options for medical reimbursement and hospital confinement benefits.
Step into 2019 by ending 2018 on the right foot
We all know that changing old habits and establishing new ones takes time and effort. Too many resolutions get put off ‘til “after the holidays” or “next year” and then never get off the ground. So now, as the year comes to a close, is the perfect time to start gradually and ramp up to a full effort to improve your health and wellness.
Now that you have set goals to work towards, start identifying the steps you need to take. Should you research and try out different gyms and fitness classes? Maybe you can test a few mindfulness apps to help lower your stress levels. Even with all the holiday parties coming your way, in between events is a good time to start figuring out some healthy recipes that you like and will actually enjoy eating.
AIA Vitality can support you every step of the way by helping you save on an executive check-up and vitality health check, by helping you set goals with rewards along the way, and by granting you incentives within your insurance plan and with partner establishments. By the time 2019 rolls around, you’ll already have put in the legwork, letting you go full steam ahead towards a better and healthier you.
Learn more about Critical Care Max and AIA Vitality by visiting your nearest BPI or BPI Family Savings Bank branch.
You can buy a life insurance at any BPI branch nationwide! Talk to a bancassurance sales executive now!
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.
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.
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.
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.