Put yourself at ease by protecting those you love
08 January 2020
Recently tied the knot with your significant other? Now that you have unlocked this milestone in your lives, you must invest and think about your life after marriage. If you can afford to spend anywhere between P700,000 up to P5 million for your wedding, then you could afford to get a health insurance.
In a nutshell, the rising cost of healthcare poses as a threat to your finances when emergencies come your way. Now that you're a married couple who’s functioning as a single unit, it's about time to review and discuss your existing health insurance plans—or lack thereof. This may not be an exciting subject, but couples must talk about this and invest in health insurance to save big on medical bills. This way, you get to allocate more of your time and money on living better and healthier lives.
Still not convinced that you need to invest in health insurance? Let’s have a look at how health insurance can make your married life more peaceful and less stressful.
Because you can take advantage of family health insurance plans
If you plan to build a family in the future, a family health insurance plan is an ideal investment since it is a shared plan for more than one member of your family. With this, you can ensure protection for your spouse and future children. Also, being listed under one policy means you’re eligible to claim a more substantial amount.
Insurance policies like this typically cover a guaranteed life or critical illness coverage and procedures. Family health insurance plans, such as Family Care Plus, provide coverage for you and your loved ones on the off chance that you get diagnosed with a critical illness or in the event of your untimely death. Policies like this are often automatically renewed every ten years.
Because it ensures you of all your present and future needs
Health insurance plans can help you cover several healthcare expenses, those of which you might not be able to shoulder if you don’t have a policy. But did you know that you can go a step further and get the best possible plan for your present and future needs?
This is where private health insurance comes in. This type of insurance can shoulder procedures and treatments that aren’t covered by public healthcare systems. It also gives you more options for your health care, such as choosing a private hospital, a preferred doctor, hospital, or treatment schedule.
You can also avail of additional coverage that includes other medical services, like dental and orthodontic treatment and optical services.
Because you can save on costly medical bills for critical illnesses
Indeed, health insurance doesn’t come cheap. However, its benefits and coverage can literally save you from spending a fortune when you get hospitalized, or when your health needs to recover. One critical health diagnosis can change your lives forever.
It pays to invest in critical illness and life insurance plans, like Critical Care 100 from BPI AIA so that you can be prepared for unexpected situations and sudden illnesses. This provides you and your loved ones financial comfort and security, no matter what happens.
On top of that, Critical Care 100 covers up to a hundred critical illnesses—cancer (including gender-specific cancers), organ failure related illnesses, and heart-related illnesses, among others—which can give you peace of mind and help you live comfortably knowing that you have a safety net. Health insurance policies like this are ideal for those who have a history of illness in their families.
In a country where medical expenses can balloon overnight, a reliable and robust health insurance plan can be a life-changer.
Because health insurance helps you bounce back faster
Whether you or your partner get seriously injured or critically ill, a solid health insurance plan can help serve both of you the best medical care and attention possible to help you focus on your recovery.
Additionally, you wouldn’t have to shell out a large sum for the medical bills and expenses. This allows you and your spouse to put your hard-earned money towards your savings and other important life expenses, such as your own home, a family vacation, or a nest egg for your future.
“In Sickness and in Health Insurance”
Married life is more than just about the ceremony and union. This new life comes with greater responsibilities and serious decision-making, which now involves your spouse. Double the responsibility also means double the expenses. There’s nothing more daunting than being stung by unexpected bills and health-related emergencies.
Planning ahead and getting life insurance for you and your spouse can help you prepare for any crisis or event that might befall your marriage. Knowing that you have a cushion reduces your stress in mentally and financially taxing situations. Treasured moments with your family are what make your life worth living. So, it’s crucial to prioritize your health and future above all else.
Are you interested in finding out more about which health insurance plan best suits you and your better half? Feel free to talk to a Bancassurance Sales Rep at any of our 900 BPI branches to find out more about the right insurance for the both of you. See you there!
Invest in both your health and wealth with BPI AIA Wellness Series
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.
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.
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.
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.