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SM Advantage Card + Insurance

SM Advantage Card + Insurance

sm-advantage-card

May SM Advantage Card ka ba? Relax, hindi naman tayo magsha-shopping. Ang idi-discuss ko ngayon eh may kinalaman sa card na to at kung anong pang pwede nating paggamitin nito. Extra benefit kung baga for being a card holder.

Ang SMAC ay partner ng AIG Insurance Philippines upang magbigay ng mga insurances sa members nila. Exclusive yong amount ng premium and thru telemarketing lang ang marketing nila kaya wala kang mahahanap na details nito. Good for you, kase yon ang topic ko ngayon.

Speaking of insurance, meron ka na ba? Importante yon, dapat meron. At kung meron man, sapat naman kaya in case na kailanganin mo na. Baka naman basta masabi lng na meron, yon pala pag kailangan na kulangin naman.

In case wala ka pa or kulang pa ang insurance mo, try to consider this option.

AIG is offering 3 types of monthly TERM insurances for card holders.

1. Accident Protection Policy. For P417 a month, covered ka ng insurance plan na to. Aksidente man or loss of life, may matatangap ka sa kanila. Syempre, iba iba naman ang aksidenteng pwedeng mangyari kaya magkakaiba ng amount yong pwede mong matanggap. Kung maospital ka, may additional P1K ka na hospital income. Pero in case death, you can receive around P2Million pesos. Malaking tulong na yon sa mga maiiwan mo. Considering na maliit lang naman ang babayaran mo.

2. Hospitalization. For P235 pesos a month, insured ka of getting P1000 a day pag naospital ka. Take note, dapat maconfine ka. Hindi pwede outpatient.

3. Critical Illness. Eto importante ito. Lalo na ngayon na maraming nagkakasakit gaya ng cancer. Imaginin mo kung may insurance ka nga, ang covered naman ay loss of life. Pano ngayon kung magkasakit ka like cancer, eh di hindi mo magagamit ang insurance mo. Tandaan mo, mas malaki ang magagastos mo kung magkakasakit kesa kung mamamatay ka. At madalas, hindi natin ito napapaghandaan. Kaya malaking problema pag dumating na. Hindi ko nakausap yong agent nung huling uwi ko, at kukuha pa lang ako ng plan na to kaya hindi pa masyadong malinaw sa aken ang details. Ang alam ko, around P700 ang premium nito monthly and automatic ka nila babayaran once ma-diagnose ka ng mga critical illnesses na nasa list nila.

Take note, MONTHLY TERM INSURANCE po ito. So as long as you are paying monthly, you are insured. If you stop paying, hindi ka na covered …though may konting grace period naman. This is good pangdagdag sa existing insurance na meron ka.

Another thing, iba-ba ang premium amount sa kada age level. Yong price na na mention ko is age bracket ko na 31 to 40 years old. Mas matanda, mas mahal syempre ang premium.

Kung iniisip nyo naman na hindi sapat ang isang Accident Protection Policy Plan sa inyo at gusto nyo ng mas malaking coverage, pwede kayong kumuha ng another plan. So kung 2 ang accident plan mo, in case of death meron kang around 4M na coverage.

Again, wag muna kayo basta maniwala sa sinulat ko. Here’s the number of the AIG Hotline +632 8785400, kayo na mismo ang magtanong 🙂

Insurance muna bago invest.

About Richard Macalintal

Hi my name is Richard. I am a Registered Financial Services Consultant in Singapore. If you have any queries or you need help on your insurance policies and investment linked products, feel free to message me :-) We can have a cup of coffee while I do financial review and give advice with regards to your finances :-) Contact me thru email rlmacalintal(at)yahoo.com or SMS me +65 82235186. Disclosure: I am a Financial Consultant of AIA. The statements or opinions expressed on this site are my own and do not necessarily represent those of AIA.

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