Kainos kinsa nakasulay?

[chiota]

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so far ok kaayo ang kainos. mucover gyud cla if part sya sa imu program.

ug another thing d ka maglisud kay open man cla open 24/rs kung maospital ka muaasist cla dyun sa imu tawag dayun cla sa hospital para maacomodate ka. maskin holiday open pud cla mau ganahan amu company nla.

[adrix]

mao ba... yehey.. mao pud ni amo insurance sa company

[adrix]

tsk tsk tsk,
naulahi ko ani nga thread dah,

sa mga wala pa nakasulay here my comments on that insurance company

were member of that insurance last 2007,
during that year a lot of company file a case on KAINOS because of many hidden agenda and defects..

maayo rana sila sa ginagmayng sakit sakit..

Sa dihang nasakit ako wife ako siya gi admit sa CHONG HUA HOSPITAL then syempre ato gamiton ang kainos so gidawat, 3 days after ang hospital ni demand namo ug downpaymment worth 17,000.00 kay ang kainos dili mo shoulder kay wala kuno maapil sa ila policy ang sakit sa ako WIFE..

Naahat intawon mig pangutang sa bisan asa para lang ma maka down lang mi.. Unya na pa silay patawag-tawag sa cellphone nga mo keep in touch lang sila sa TELEphone ug cellphone PAGKAATAY nila.

Ang sakit sa ako asawa dili siya kabarug, mulihok gamay musakit paag-ayo iya spinal doul sa may bat-ang then mag sige lag higda, so tanan diagnosis lakip na xray, thermal imaging, citi scan ug bisan unsa nalang among kwarta ang nagamit, nakalimot ko sa ngalan sa iya sakit..

Sakit kaayo sa bout namo kay whole family nako ako gi kainos for medical porpuses nagbayad kog 1200.00 pesos matag usa (SA LIMA) then bali 5000 ako monthly gibayaran sa ilaha matag bulan, LAMI KAAYO BOMBAHAN NG ILANG OPISINA DIHA SA METRO BANK SA JONES YAW* PEST* KA MANGINGILAD NILA...........

niabot ang bill ug 137, 000.000 thousand ang bill sa usa ka bulan pero bisan sa room accomodation lang wala gyud sila mubayad kay wala kuno maapil sa ila policy ANG SAKIT SA AKO ASAWA....haaaaaaayyyy demonyo gyud kaayo ning mga INSURANCE....ONLY IN THE PHILIPPINES...

Mao ng nitagam nako ana, kay napuno mi sa utang gumikan atong hitaboa, hangtod karon sige pami binayranay sa mga utang hasta ako cellphone business nasara tungod atong hitaboa kay sa tambal lang daan dili na paigo ang halin sa ako negosyo..

mao na karon wala nako mukuha ug bisan unsa nga insurance kay puro ra ilad maayo pa tigumon nalang ang imo kwarta kaysa anang mga IDENTITY THEFT mga professional nga mangingilad. Walay mapili bisan kadtong CAP sa una hapit sab ko mailad..

timbang timbanga una ninyo BROD/SIS
basaha gyud ninyo tarong ang mga policy o GENERAL EXCLUSION sa ila balaod kay basin ug magdahom ka nga ma covered ang imo sakit unya himan himan dili sila mo insured...

KASAGARAN ANI NILA HIDDEN AGENDA anha naka pahibaw-on kon nahospital naka

PAIT PAIT PAIT PAIT MAKAINGON TA USAHAY KON NAA BAY GINOO O WALA, Kay ang mga adunahan nisamot ka adunahan tungod sa mga negosyo nga PANGILAD SA ATUBANGAN..

hala.. wa ko kabantay ani nga post dah.. thanks ayo ani bro... basahon ko to mga inclusives nila.. tingalig motiorok lang kog kalit sa dan then muana sila nga HALA, WALA NAY LABOT SA AMO SERVICE SIR>>> tagam ko...

[gumdrop]

the reason delayed mubayad ang kainos kay late ipang submit sa doctor ila mga bill so at the end ginapressure sila ug bayad wherein fact bago lang ghatag ang bill sa ila..

hala! kahibalo lagi ka ani? connected ka sa kainos sah??

[rage963]

Kainos is the medical insurance our company chose...

So far i would give a good review....


i had my blood test done there in the kainos clinic and after several test they advise me to be admitted in a hospital(cebu doc)... i was admitted there for about 6 days and their representative almost everyday came to the hospital to check on me if i was alright, if the doctors were treating me right, if i have concerns/complains...

Base from my experience so far I can say they are a good medical insurance company...

[iextreme]

to all the complainers about their health care insurances;

Did any of you guys ever tried to attend any of their orientations? As far as I know about insurances there are certain limitations, every insurance has a "Policy" and within that "Policy" are group benefits called "Programs" this is where the limits comes in (this is true to all types of insurances). This is what your "Company" has bought and agreed on. Attend an orientation or even request for one, know more about your program/insurance and you'll know how to use it effectively and make the most out of your money.

[elaimakulai]

Ok raman sa ako ang Kainos. I have slipped disc and ila man gi cover tanan from consultation to laboratory e.g. MRI and X-ray to Rehabilitation. Hopefully di ko mo undergo ug surgery.

[umbrella-eh-eh]

thanks for the heads up bugztronic.

lesson learned. know the limitations of your plans/policy as per mentioned here, "to avoid false hopes."

[MeMing]

sorry to hear your experience bugz...

I used to be covered with Kainos when I was still working for someone else and I couldn't say anything bad about them since every single time I went to my doctors, did lab works, or those times I had to be hospitalized, I have not paid a single peso.. Upper Respiratory Tract infection ra sad no-on main reason mahospitalized ko pirmi (maski dili gud grabi ipa hospital nalang ko sa akong doctor kay Kainos bitaw kuno ko)...

When I left the employment world to be self-employed, I went to Kainos to try and avail of the same benefits... Unfortunately, the policy I had was worth 25k/year... This is the policy that allows you to go directly to any accredited doctor and hospital without them knowing about it and everything is fine (as long as you don't go beyond the stipulated limits of the policy of course)...

I asked if there was a cheaper policy and at that time (2008 or 2009 ba to), they also had a 10,000/year plan... if you get sick with this plan, you have to go to the office and be checked there (Jones metrobank building)... I didn't feel all too good about this so I didn't take it...

I'd agree that the lesson here is to read the fine prints of whatever investments we go into...

[kCee]

whaaahh naunsa mani??


kaluoy sa kainos gi bombared ug dghan complains..

anyways, sa tanan n reklamo, ako ra ikasulti. tarunga ug basa ang nu service agreement or ask your HR aron ang HR na ang mcoordinate sa kainos.

problema sa mga members, ang feeling nila na covered na tanan..which is no no no..

naay gnatawag na limitations sa agreement..exclusion and etc..

sorry sa wala na covered.

but naa gnatawag na Letter of Guarantee pra mcover ang dili mcovered.
ask ur HR nlang kng unsa na aron dili mo mgguol . mgguol lng mo sa admin fee na gnapatong ana pero ok nana ui kysa dili mcover..but then again, IT DEPENDS ON THE COMPANY..

peace all!