1. DOES PREMIUM PAYMENTS INCREASE?
YES, premium increases every year more or less P500 to 1k per year due to the Medical Benefit. So similar din po sya to other HMO Providers na nagiincrease, ang difference lng po is sa AIA MED ASSIST plan pre calculated na po nag premiums based on age 😊 samantalang sa ibang HMO Providers po aside from age nagdedepende pa po sya sa usage ng card. Kung maraming beses gamitin ang card pwedeng mas tumaas pa ang premiums 😊
2. HOW MANY YEARS TO PAY?
This is pay upto age 65 😊 similar with the usual hmo cards wherein you are covered as long as you’re paying 😊
3. IS THIS APPLICABLE FOR MINORS?
YES, This is applicable for ages 0 - 55 yrs old.
4. CAN I INCLUDE OTHER FAMILY MEMBERS SO THEY CAN ALSO USE THE BENEFITS?
This is just an individual plan and not family plan. All the benefits can ONLY be used by the declared policy insured.
5. HOW LONG IS THE COVERAGE FOR LIFE INSURANCE AND HMO CARD?
Life insurance coverage is until age 80 then HMO Card coverage is until age 65 only 😊
6. WHAT IS MATURITY BENEFIT?
Kapag na outlive po natin ang age 80 lahat po ng account value ng investment ay ibibigay na po as your maturity benefit then the plan will terminate 😊
7. DOES IT COVER OUTPATIENT CARE, CHECKUPS OR DENTAL?
NO, this plan covers only INPATIENT CARE since it focuses more on the huge expenses like confinement 😊 Kaya if you will notice ang minimum coverage na inooffer ng plan is 500k per year upto 4Million per year to cover upto 90% of hospital expense. When it comes to the traditional HMO usually P200K per year na po ang maximum annual limit without insurance and investment.
8. DOES IT COVER ONLY CERTAIN ILLNESSES?
NO, This plan can still cover upto 90% of hospital bills (subject to inner limits) even if it’s a Minor or even Major Critical Illness. It can cover ANY ILLNESS as long as the plan has remaining annual and lifetime limit.
9. DOES IT HAVE INVESTMENT?
YES, meron po syang investment portion na widthrawable anytime partially and pwede din gamitin as a payment for the plan mismo. kumbaga po kung ang priority nyo is to have hmo coverage this plan is a good alternative dahil kahit paano portion po ng premium na binabayad ay napupunta sa investment magamit man or hindi ang card 😊
10. DOES IT COVER PREGNANCY RELATED CONFINEMENTS OR PROCEDURES?
NO, Unfortunately it’s included on the General Exclusions and Limitations of the plan.
11. WHAT IS AIA VITLITY (FORMERLY PHILAM VITALITY)?
This is a wellness program of AIA Philippines wherein you can have rewards by just staying active and healthy. Kapag tumataas po ang vitality membership status due to points na nakukuha natin (thru excercising, checkups or answering assessments), mas malaki po ang pwedeng makuhang rewards or coverage boost sa plan. If you avail the plan you will have an upfront additional coverage of 20% for both Life insurance and Daily Hospital Income. You can boost this coverage upto maximum of 50% by increasing your vitality status. Click here to learn more about AIA Vitality