Hello fellow parents here! Just want to ask for your recommendation. Which do you prefer, HMO or Insurance? And why? Hubby and I were planning to get one soon and we would like to know the pros and cons of those two. Thanks for sharing your thoughts.
HMO purely sickness benefits pero magagamit mo agad in case of emergency.
Sa insurance naman for lifetime at magagamit if ever magretire ang primary member or if ever my mangyari dun sa primary member may mkukuhang insurance. Pero in case of emergency d ka agad mkagamit lalo nanpag d kpa umabot ng 5 years. Some of insurance company na alam ko magkakapag withdraw ka ng certain amount pag more than 5 years.
For me insurance is better lalo na pag stable naman income nyo.
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