The pandemic has made us all rethink the many choices we need to make in life. We all have different priorities in life, but I think we should all agree that our health and wellness should be on the top list.
Taking care of yourself and making sure that you are always in good health is one thing, investing in health insurance is another. I know some people who didn’t think of investing in health insurance as one of their priorities until a situation called for it. If you are in good health and you can afford to get one, now is the best time to do so.
Here are some reasons why we all need to invest in a health insurance package and telemedicine service nowadays:
There are affordable health insurance packages
Contrary to what some may think about insurance, there are health insurance packages that are affordable and can be availed by ordinary Filipinos. For example, Rizal Commercial Banking Corporation’s (RCBC) financial inclusion super app DiskarTech offers microinsurance health packages for as low as P130 with six-month coverage.
This sachet-type health insurance package by Malayan Insurance can also be availed “on-behalf-of” another family member or friend. The Insurance Commission (IC) sees sachet-type insurance products that are made accessible to all, as a means of helping transform the economy and making it pandemic-proof in the future.
There are health insurance packages that offer complete benefits
There are health insurance packages that offer full benefits. Microinsurance health packages, for instance, offer full benefits at a lower price.
As an example, DiskarTech’s six-month Panprotect Senior P900 package already includes the following benefits: Accidental Health Benefit (P100,000), Loss of Life Assistance due to COVID-19 (P100,000), Loss of Life Assistance due to Dengue/Chikungunya (P50,000), Medical Reimbursement (P12,500), and Daily Hospital Income Benefit due to COVID-19 (P750).
Telemedicine services are easily accessible
Aside from microinsurance health packages, telemedicine services are also easily accessible through digital apps like DiskarTech.
In partnership with ICT service provider RuralNet which specializes in delivering products and services to the towns and provinces outside Metro Manila via rural banks, DiskarTech’s ‘pakisuyo’ telemedicine services aim to make medical consultation reach more Filipinos from underserved and geographically isolated areas, especially during the pandemic.
This service features a sachet-type telemedicine plan for as low as Php50 per person for a month, and includes unlimited medical consultation with no additional fees for video, audio, or text-based interaction.
With consultations done virtually, telemedicine services are hassle-free and a lot safer compared to outpatient consultations in clinics and hospitals, especially during the pandemic. For platforms like DiskarTech, its telemedicine feature allows Filipinos to get in touch with a doctor 24/7, making the service available anytime, anywhere.
Securing prescriptions and medical certificates via telemedicine services is easier
Aside from the actual medical consultation, DiskarTech’s telemedicine feature also allows follow-up services like electronic prescriptions, laboratory requests, and medical certificates. The “pakisuyo” feature also allows the primary subscriber to the plan to avail of the service “on behalf of” another friend or family member.
The microinsurance health packages and telemedicine services offered by digital platforms like RCBC’s DiskarTech are efficient and effective ways for us to become better equipped during trying times. Preparation is key for us to truly safeguard our own and our family’s health.
For more information about DiskarTech’s health insurance and telemedicine services, visit their website at www.diskartech.ph. You can also download the app via Google Playstore and the Apple App Store.
For comments and feedback, you may reach the author at joba.botana@gmail.com.