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BPI AIA makes health security affordable and accessible for SMEs

Insurance firm BPI AIA — a strategic alliance between Bank of the Philippine Islands (BPI) and AIA Philippines (formerly AIA Philam Life) — is advocating awareness about health protection solutions specifically designed for SMEs.

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Employees are the backbone of any business. For an economy like the Philippines which is made up of hundreds of thousands of small and medium enterprises (SMEs), employees are instrumental in driving the success of recovery efforts.

Yet behind the momentum of thriving in the “now normal” lurks the financial risk that comes with the increased likelihood of sickness among workers. Sickness and accidents happen when one least expects it and the resulting expenses from hospitalization, rehabilitation, medicines, and other treatment can easily set one back by millions of pesos. SMEs, by nature, are particularly exposed to this kind of liability, in addition to the intangible losses this may incur, such as reputation damage from service disruption.

To address this gap, insurance firm BPI AIA — a strategic alliance between Bank of the Philippine Islands (BPI) and AIA Philippines (formerly AIA Philam Life) — is advocating awareness about health protection solutions specifically designed for SMEs. Called Health Essentials, the solution enables SME clients to provide their respective employees with medical assistance benefits similar to those extended by health maintenance organizations (HMOs)—at a manageable cost.

“Employers have a duty to nurture their workforce to attract and maintain the best talents and ensure business continuity. Being able to provide a comprehensive benefit right away promotes SME competitiveness, and in the long term, improves productivity and delivers great results that create a positive financial impact to the organization,” said BPI AIA CEO Surendra Menon. “We are encouraging and enabling our customers to live healthier, so they can live longer and better lives as we promised.”

Flexible and Affordable Health Care Coverage

Health Essentials offers utmost flexibility to its policyholders as it features a “no-cash-out” facility for the availment of medical benefits from a wide network of providers or a reimbursement of their expenses if conditions allow. BPI AIA can also create a tailor-fit plan for the SME, enabling an easy mixing and matching of benefits to determine which combinations would fit one’s needs.

In-Patient Benefits cover room and board and use of Intensive Care Unit (ICU); Special Hospital Services, such as use of operating room, X-Ray, laboratory exams, and medicines; Surgeon’s Fees, if any; and the Attending Physician’s Fee for daily hospital visits.

Meanwhile, optional Out-Patient Benefits cover consultations, X-Ray, laboratory and diagnostic exams; basic Annual Physical Examination (APE); select Dental Benefits; Maternity Benefits including pre- and post-natal consultations and coverage for normal or caesarian delivery, miscarriage or pregnancy complications; and Prescribed Medicines up to a specified limit per year.

In addition, there is a Financial Assistance Benefit for all insured members paid as a lump sum amount if the insured dies of natural or accidental causes. Benefits may be extended to the dependents of Principal Employees, be they married, single, or even single parents.

On top of all this, SME clients can receive expert advice on employee benefits and business insurance, providing holistic solutions based on employees’ needs and the company’s budget.

As an illustration, a Luzon-based company can extend an employee In-Patient Benefits of up to Php 200,000 Annual Benefit Limit; Php 50,000 Financial Assistance in case of death; Out-Patient Benefits of up to Php 6,000 per visit; and basic APE and Dental benefits for an annual premium of only Php 8,928.40 per employee per year. Like other insurance plans, the final amount varies on the client’s specifics at the time of subscription, so it’s best to reach out to an authorized representative for an accurate quote.

To avail the Health Essentials solution, SMEs are encouraged to get in touch via the BPI AIA website <bpi-aia.com.ph>. Meanwhile, for BPI’s SME clients, the bank should be able to endorse them to BPI AIA’s Employee Benefits Specialists.

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Fight against smoking continues with Nicorette

Over the years, the Philippine government in partnership with private organizations have been working together to reduce tobacco use through awareness and education programs.

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According to the Philippine Statistics Authority, twenty eight percent (28%) or 17.3 million Filipinos are smokers. Today, the Philippines still has one of the highest per capita levels of tobacco consumption among the ASEAN countries, and this poses a major public health problem in the country.

Over the years, the Philippine government in partnership with private organizations have been working together to reduce tobacco use through awareness and education programs.

Ending the Habit

At Johnson & Johnson Philippines, we walk the talk when it comes to enforcing good, healthy habits, in order to quit smoking. Through a series of posters strategically displayed around the J&J Philippines campus, employees are reminded how Nicorette can help them break free from smoking. Nicorette is Nicotine Polacrilex, a type of nicotine replacement therapy that can help quitters reduce their cravings in as fast as 15 minutes. Quit smoking for a week with the help of Nicorette and be 9x more likely to quit for good.

“As part of our J&J credo, it is our responsibility to give our employees a healthier and safer environment in the office and at home. This is just one of our initiatives in making sure we help put a stop to smoking. Our work does not just start and end with promoting Nicorette to our consumers, but we would also like our employees to be reminded of the threats of smoking”, says Patricia Rodriguez, brand manager for self-care, Johnson & Johnson Philippines.

Quit Smoking with Nicorette

Apart from activities within the Johnson & Johnson Philippines campus, we are also making strides in advancing our goal in reducing tobacco usage in the country. Last year, in celebration of World No Tobacco Day, Johnson & Johnson Philippines introduced Nicorette to encourage more Filipino smokers to #JoinTheQuitters. Nicorette held an online event anchored on the World Health Organization’s campaign “Commit to Quit” to motivate Filipinos to permanently quit for good.  The event was streamed through Facebook live and was attended by over 700 people nationwide. Some participants were “quitters” who shared their quitting journeys and smokers who pledged to a healthier lifestyle.

  • Since then, Nicorette has worked non-stop in advocating to end smoking in the Philippines. We continued to raise awareness of the difficulties in quitting smoking with the help of our ‘quit ambassadors’. This year, in commemoration of No Smoking Month, Nicorette invited the media to participate in a roundtable discussion on the hazards of smoking. The event was attended by John Matthew Uy, a Nicorette user and successful quitter, and pulmonologist Dr. Leni Fernandez ho enlightened guests about the threats of smoking.  Apart from that, we also sought the help of “quitters” to share their quitting journey online. Our ambassadors talked about the challenges of quitting, the importance of having a strong support system in their journey and having an effective and trusted product like Nicorette that can help them through withdrawals and in stopping their cravings.

The Answer to Quit Smoking for Good

There is no excuse in being unable to quit smoking now that Nicorette is available in leading supermarkets and drugstores nationwide. Nicorette is available in your nearest drugstores like Mercury Drug, Watsons, Southstar Drug, and more, and is also available on both Shopee and Lazada for your convenience.

​​For more information about Nicorette, visit www.nicorette.com.ph or  follow our social media accounts at www.facebook.com/NicorettePH/ and @nicoretteph on Instagram. Get special deals and promos to finally break that habit by purchasing Nicorette on official Johnson & Johnson Philippines accounts, both on Shopee and Lazada.

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Manulife makes its insurance products more accessible through Kwik.insure partnership

Manulife has partnered with Kwik.insure, an online insurance marketplace that serves thousands of customers, to make insurance accessible to more Filipinos through its HealthFlex, FutureBoost and Horizons plans, helping them financially secure their future.

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Manulife has partnered with Kwik.insure, an online insurance marketplace that serves thousands of customers, to make insurance accessible to more Filipinos through its HealthFlex, FutureBoost and Horizons plans, helping them financially secure their future.

In a recent Manulife study, “The Modern Filipino Family: Exploring family dynamics and digitalization in the new normal,” 41% of Filipino Gen Zs surveyed intend to buy life insurance online in the next 12 months. In addition, 33% of Filipino millennials and 25% of Gen Xs actually bought insurance in the last 12 months, among those surveyed. Manulife aims to address Filipinos’ increased appetite for digitally enabled insurance and investments by making protection more accessible online.

“As the first global life insurance brand on Kwik.insure, and the only insurer to offer variable-linked insurance products that rewards you with bonuses like FutureBoost on the platform to secure every stage of your life, we are focused on making our products more digitally accessible to meet their evolving priorities and expectations,” said Neil Bowyer, Chief Partnership Distribution Officer, Manulife Philippines. “This is just one more way we’re delivering on our mission to make decisions easier and lives better through digital, customer-centric experiences for Filipinos across the country.

Hamilton Angluben, Chief Executive Officer, Kwik.insure, added: “By working with Manulife, one of the leading and most trusted insurance brands in the country, we look forward to leveraging our most valuable technologies so Filipinos can get access to best-in-class and relevant insurance solutions that can help them better prepare for the future. This, in turn, can help us achieve our goal of bridging the insurance gap in the country, and make getting insured easy and reliable for all Filipinos.”

Manulife’s products that will be available on Kwik.insure offer customers access to customizable insurance plans that give them life and health protection coverage based on their needs, priorities, and budget, and enjoy various add-on benefits like investments.

  • Manulife FutureBoost, an affordable life insurance plan with no premium charges, gives Filipinos potential income from bonuses ranging from 0.5% to 5%, plus access to expertly managed global and local investment funds.
  • Manulife HealthFlex, a health insurance plan that allows customers to pay only for the health coverage they need, has four base plans covering up to 112 critical illnesses at any age until 100.
  • Manulife Horizons, one of insurer’s most affordable investment-linked insurance plans, provides comprehensive coverage for their families, and offers investment opportunities that allow them to grow their funds.

FutureBoost, HealthFlex, and Horizons are now available on Kwik.insure’s online marketplace. Interested customers may inquire via Kwik.insure live chat or set an appointment with a Kwik.insure financial advisor. Enrolled customers may sign up and transact via Manulife Online so they can manage their policies digitally. Premium payments can also be completed via credit card or e-wallets.

For more information about Manulife’s products and services, visit www.manulife.com.ph to learn more.

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Keep loved ones ready and protected with MediCard’s RxER

MediCard, a leading health maintenance organization (HMO) in the Philippines, brings you MediCard RxER so you can ensure that your loved ones are prepared for any unexpected situations while savoring the joy of the festive season.

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The holidays are here! Finally, it is the time of the year to relax, unwind, and enjoy all the festive activities with your family and friends. And perhaps, you are now busy listing all the possible gifts that would spark joy in your loved ones, regardless of whether they have been naughty or nice.  

As everyone is eager to celebrate this season, keep in mind that it can be a risky time as well. The holidays frequently attract unwanted guests, such as illnesses and accidents ranging from road accidents to fireworks injuries. 

A January 2022 report by the Department of Health (DOH) revealed there were 85 cases of fireworks-related injuries as the country celebrated the 2022 New Year. While the numbers continue to decrease each year, it pays off to be ready always for unforeseen emergencies that can steal your holiday celebrations. 

MediCard RxER: The best gift you can give this season 

To help you put one of the best gifts under the Christmas tree, MediCard, a leading health maintenance organization (HMO) in the Philippines, brings you MediCard RxER so you can ensure that your loved ones are prepared for any unexpected situations while savoring the joy of the festive season. 

The RxER provides a brand-new, specialized healthcare maintenance service that includes emergency, preventative, and outpatient treatment and is created to give members of all ages the maximum value and convenience. 

In hospitals recognized by MediCard, the overall cap for patients requiring emergency trauma care is PhP20,000. ER costs, professional fees, and urgent drugs connected to the condition of accidents, burns, animal bites, and accidental chemical poisoning are also included in emergency care charges if it is within six hours from the time of the incident.  

Emergency diagnostic procedures and lab tests up to PhP5,000, including MRI, CT scan, and ultrasound, are also covered. Additionally, coverage will be provided for tetanus toxoid, anti-tetanus serum, and current rabies vaccination. Regular casting and splint are also included. 

Is it a one-time-use thing? No. Members may use emergency services more than once for the said circumstances if the limit has not yet been reached. 

The gift that keeps on giving 

Members of the RxER card are also entitled to an annual physical exam in any MediCard free-standing clinic and Uro Industrial Clinic (UROIC). This includes a complete blood count, a chest X-ray, a urinalysis, a fecalysis, and a general check-up for the entire year. 

In addition, members get unlimited access to outpatient consultations with primary care physicians, including general practitioners, general surgeons on a clinic-to-clinic basis, obstetricians for non-maternity-related check-ups, pediatricians, family medicine physicians, and medical internists. For other specialists and sub-specialists, on the other hand, the RxER covers a flat rate of PhP350 for consultations. 

Other benefits of RxER include a 30% discount on outpatient laboratory and diagnostic tests, outpatient surgeries and other services, and procedures at the Skin & Body Clinic. It also gives its members dental services, such as one-time oral prophylaxis, dental consultations, and a 30% discount on dental procedures. 

All these may be availed of at any MediCard free-standing clinic in key cities nationwide https://fsc.medicardphils.com/Home/Contact.  

There is no time to lose! Gift your loved ones these wonderful benefits now for only PhP1,998 with no age limit and no medical check-up required, available on MediCard’s websiteShopeeLazada, Medicard free-standing clinics, Maria Health, and more. 

MediCard is a leading HMO founded and managed by doctors. Over the years, it has provided the most comprehensive and innovative healthcare programs and fitness activities to help people achieve healthier lives.  

To learn more about MediCard Philippines, visit its website at https://www.medicardphils.com/.  

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