ER, Confinement and HMO Plans

My 1 year old nephew got sick recently and it was an instant Php 10,000 ER trip. As I build my emergency fund, I sometimes get scared that I’m just 1 hospital trip away from starting back from scratch (or worse.) *knocks on wood*

So, I asked Uniguarantee (one of our clients, an insurance brokerage firm, no website yet :(, here’s a reference ) on what my options were.

I had 3 levels that I can cover: ER, Confinement and Health Maintenance.

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