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In the Philippines, a lot of sick people die not because there is no medicine or treatment available but because they don't have money to pay for these cost.

A study commissioned by the world health organization (WHO) showed that most health expenses are shouldered by private households-as much as 48% of total health expenditures. These households often had to use out-of-pocket payments for their health expenses.

SHORT-TERM HEALTHCARE

This is also known as the traditional HMO. Generally, it has no life insurance coverage. There may be a yearly increase of premium upon renewal. However, renewal is not guaranteed, especially when there are high claims. HMOs cover only up to age 60. There is no return of premiums for non-utilization..

SENIOR CARE

This type of healthcare works similarly to the short-term coverage except that it covers ages beyond 60. It's an individual type of HMO and it's the most expensive program. Renewal is also not guaranteed.

LONG-TERM HEALTHCARE

This is an HMO with a health saving account. It has a fixed premium program, usually 7 years, which matures in 20 years. It comes with a 4-way insurance coverage together with the long-term healthcare plan. Renewal is guaranteed and all unused health fund accumulates with interest. It may cover beyond age 60 with long-term growth.