25/08/2026
๐ฐ ๐๐๐๐ ๐๐๐๐ ๐๐๐๐ ๐๐๐ ๐๐๐๐๐๐๐๐ ๐๐๐๐๐๐๐ ๐๐๐๐๐๐๐๐๐ ๐๐๐๐๐๐.
And no, hindi ko sila kinuha all at once. ๐
My first comprehensive health plan had โฑ700,000 in coverage. At the time, iyon ang kaya ko, and I was happy that I had finally started.
Eventually, as my income improved and I understood financial planning better, I reviewed my coverage again.
And I realized something:
๐ผ๐ ๐ผ ๐๐๐ก๐ข๐๐๐๐ฆ ๐๐๐ก ๐ ๐๐๐๐๐ข๐ ๐๐ฆ ๐ ๐๐๐, ๐ค๐๐ข๐๐ โฑ700,000 ๐๐ ๐๐๐๐ข๐โ ๐๐๐ ๐กโ๐ ๐๐๐๐ ๐๐ ๐๐๐๐ก๐๐๐ก๐๐๐ ๐ผ ๐ค๐๐๐ก๐๐?
The answer was no.
Family history was also a factor. We have diabetes, hypertension, cancer, asthma, and other health conditions on both sides. So while I was still insurable and could afford it, I decided to add more coverage.
Because when I think about critical illness coverage, hindi lang hospital bills ang iniisip ko.
๐ What if I couldn't work for several months?
๐ What happens to my regular expenses?
๐ Would I have to use my savings or investments?
๐ Would someone in my family have to help take care of me?
๐ Would I still have enough room to focus on getting better instead of worrying about money?
So over time, I added more coverage.
Not because everyone needs multiple insurance policies.
And definitely not because more policies automatically means a better financial plan.
I did it because my needs changed, my capacity changed, and my understanding of how much protection I wanted became clearer.
When someone asks me what insurance they should get, I usually don't start by recommending a product. I ask, โ๐ด๐๐ ๐๐ ๐๐๐๐๐๐๐ก๐ฆ ๐๐๐๐ฆ๐ ๐๐ก ๐กโ๐๐ ๐ก๐๐๐?โ
Maximum life insurance coverage? Critical illness protection? Something for a long-term goal? Guaranteed cash benefits?
I also ask what coverage they already have, whether this will be their first insurance policy, and of course, what they can comfortably sustain.
๐๐๐๐๐ฎ๐ฌ๐ ๐ญ๐ก๐ ๐ ๐จ๐๐ฅ ๐ข๐ฌ๐ง'๐ญ ๐ญ๐จ ๐๐จ๐ฅ๐ฅ๐๐๐ญ ๐ฉ๐จ๐ฅ๐ข๐๐ข๐๐ฌ. ๐๐ญ'๐ฌ ๐ญ๐จ ๐๐ฎ๐ข๐ฅ๐ ๐ญ๐ก๐ ๐ฉ๐ซ๐จ๐ญ๐๐๐ญ๐ข๐จ๐ง ๐ญ๐ก๐๐ญ ๐ฆ๐๐ค๐๐ฌ ๐ฌ๐๐ง๐ฌ๐ ๐๐จ๐ซ ๐ฒ๐จ๐ฎ๐ซ ๐ฅ๐ข๐๐.
