Health Insurance
Whether you are looking for coverage for your self or your entire family we can help you find a health insurance policy that fits your needs and your budget.
What We Provide
Benefits of Having Health Insurance
It’s no secret that hospitals and doctors are expensive especially for long stays and critical illnesses. A great medical insurance policy can help lessen the pain and suffering. When you’re not feeling well the last thing you want to do is concern yourself with how medical bills are going to get paid.
Complete Health Insurance Services
In a perfect world, all healthy vents would be covered, but unfortunately that’s not a reality. The best you can do for your family and loved ones is to ensure them and yourself as best you can within your budget. We offer a complete array of coverage depending on what you can afford, and what’s most important to you.
Medical Risk Solutions
Because a broker such as ourself has your best interest in mind, we can help you assess your risk and choose a policy that’s within your budget and still offers great coverage. You can even pick and choose the various health insurance riders, which matter to you most.
Medical Insurance Claims
Our team of medical insurance agents are ready to work on your behalf to file a claim for you. They will do their absolute best to take the hassle out of it so you can focus on getting better.
Important Information
Due to the fact there are so many variables to consider when applying for health insurance, you will need to provide basic information such as, the type of employment you do, your health history, the age of each applicant, and more. No two people are exactly alike so that’s why detailed information is needed about each applicant. Not to worry, we will help you find a great health policy at a price you can afford.
Be through and honest. If you have been diagnosed with an illness, have a history of substance abuse, or have a high risk job, it’s important that you let the agent know. It will save you time and hassle and will enable our medical insurance agents to find a policy tailored to your history and lifestyle. The last thing you want is to spend years paying on a premium and then discover when it’s too late that your claim was denied because you weren’t disclosing everything in the application.
Fee's
Neither PolicyHub, nor it’s broker partners have any fees because we are reimbursed directly from the insurance company. In other words, the really great health insurance policy you got by working with us is all you need to pay. In most cases the medical insurance company will even pay for the physical you will need to provide.
Get a Great Health Insurance Quote
To get started, either cholest directly, or fill out the brief form below. You’re just one step away from kidding the best health insurance plan you can find at a rate you can afford.
FAQ
Most plans cover hospitalization, surgeries, emergency care, maternity, and select outpatient services like dialysis or chemotherapy, but specifics vary by policy-check your broker for details.
Look at premiums, coverage limits, provider networks, and exclusions. A brokerage firm can compare options from multiple insurers to fit your budget and health needs.
Yes, private insurance isn't tied to enrollment periods, so you can sign up year-round through a broker who'll match you with plans from various companies.
Indemnity plans reimburse actual medical costs up to a limit, giving flexibility with doctors, while HMOs restrict you to their network for lower premiums but faster claims.
Premiums depend on age, coverage, and health status, ranging from one thousand to fifty thousand pesos annually-brokers can get you quotes from multiple insurers for the best rate.
Many plans cover pre-existing conditions after a waiting period, usually six months to two years, but some offer immediate coverage-ask your broker to clarify policy terms.
Yes, most plans cover accredited public and private hospitals, but check your policy's provider list through your broker to ensure your preferred hospital qualifies.
A deductible is your out-of-pocket cost before insurance pays, common in indemnity plans, starting as low as five thousand pesos-HMOs often skip deductibles for copays instead.
Submit claims to the insurer with medical receipts and forms, usually within thirty days of treatment-your broker can guide you on the process for your specific plan.
Yes, family plans cover spouses and kids, often cheaper per person than individual policies-brokers can find bundled deals from different insurers to save you money.