shopping for insurance - any recommendations or 'watch-outs'?

[tsadi]

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hi all!

i'm presently looking for a good 'life, accident and hospitalization insurance package' and i would like to ask for the opinion of those here who have been down that road.

which companies would you recommend i buy insurance with and why? what package? and which companies do you think i should stay away from and why? (at a previous workplace, i had several officemates who had terrible experiences with an insurance company called Family First - and i don't want to make the same mistake of picking the wrong company to do business with)

thanks!

[angel6017]

go for th big ones na lng like philam or philhealth and insular they have names so im sure ur safe with them.

[rey04]

for hospitalization go for Medicard. As experienced they have better service.

[tamarind26]

tsadi,im with insular.it's very stable, wla jud ka problema sa imong investment.nice pa jud ilang plans especially sa educational, pension and healthcare programs. Halos tanang hospitals walay problema. Pm me if interested. I can give you a good plan and a discount. : )

[st@rr]

Try PRULIFE UK. Tried and tested.

[cc(,``o]

philam is good. can discuss it with you further if you want. not me btw kay m not from philam. my sister is from philam

okay sad sunlife - if nahan sad ka naa sad ko kaila from sunlife

ahm prulife don't have much info on their stability but naa sad ko kaila from pru life if you want:P

just let me know which one ure interested in so i can ask the person to discuss it with u

[tsadi]

thanks everyone.

i recently saw this marketing campaign from Insular Life:

http://www.hallwaysshop.com/insular/all.htm

the premiums looked ok at first but when i tried contacting them for details, the hospitalization allowance seemed kind of low. that is:

for plan 200 = P 300 / day
for plan 500 = P 750 / day
for plan 1,000 = 1500 / day

i don't know if those are standard benefits, but they seem a little low to me.

tamarind & cc, i'll contact you siguro when im ready to buy insurance na gyud. right now i'm limiting my shopping on the internet lang sa. thanks!

[maev7983]

u know any other insurance company aside from the most common,sunlife, insular

[Gabriel]

Sun Life. I have exactly a policy that addresses the same concerns as yours.

Philamlife is also good as far as I've heard.

BTW, always remember that you are in charge. Never let the agent bully you in buying a policy earlier than you desire. If there is something you don't understand, ask clarifications until satisfied.

[tamarind26]

correct si gabriel. i myself am a plan holder. i am very sigurista where my money is going that's why di sad ko pataka palit and i don't force plan holders to buy from me. di sad ko ganahan og kulit nga ahente. decide on what you think suits your needs.