A helper at home can make our lives more comfortable. You have someone to clean your house, water the plants and cook. To care for their welfare, why not get an HMO for your kasambahay? Let’s see the choices.
Top HMO Choices for House Helpers
Here, I have listed some of the options that you have when it comes to health cards for kasambahays.
Maxicare
It has a wide coverage of various medical concerns from wound treatment to surgery. We mentioned vaccination especially for Rabies and luckily, the company covers treatment in its primary care centers under a comprehensive plan.
Philcare
Our helpers are exposed to different germs when they clean the house. They have a high risk of contracting bacterial, fungal and viral infections. Philcare’s ER Shield prepaid health cards may just be the one you are looking for.
Medicard
Accidents can happen even at home. Your house helper, driver or gardener are exposed to the dangers of burns, wounds and accidents. This is where Medicard’s RxER may become very useful.
Have you decided which HMO to get? Secure the safety of your helpers with these plans and they will surely appreciate it when the time comes.
Current Situation
According to Manila Bulletin’s post, the usual salary rate of kasambahays range from Php 5,000 to Php 6,000. This only shows that it may be hard for them to pay for medical bills on their own.
The law provides that they should have the basic benefits of SSS, Pag Ibig and Philhealth. But wouldn’t it be better that they also have minimum coverage of health cards?
Consider These
Before you choose a health card for your helper, think about these factors first to maximize their benefits and your money’s worth.
Coverage
The HMO should be able to cover the health risks involved with being a kasambahay. They include but are not limited to accidents, injuries from doing house chores and even vaccination like anti-rabies if you have pets (preventive).
Cost
On top of the salary and other benefits that you give to your house helper, the price of HMO should also be your concern. Choose a plan that fits within your budget but still gives the employee maximum benefits.
Convenience
For me, getting a prepaid health card literally spells convenience. If you do not have the budget for a monthly commitment, then you should at least consider getting a prepaid card online. All you need is a computer or phone with internet.
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