Have you ever considered getting an HMO as a driver? It may not be a priority for most people but protection against unwanted medical bills is what you need. Learn more about health cards suitable either for you as a driver or an employer of one.
List of HMOs Best for Drivers
Maxicare – Offers prepaid health cards with unlimited check up and diagnostic procedures
Medicard – Has an extensive network of hospitals in Metro Manila and the provinces
Etiqa – Offers great coverage for various medical conditions among its network of hospitals
Philcare – Has one of the most affordable prepaid health cards in the industry, ER treatment is included
How Do We Choose?
Selecting an HMO for drivers is easy if you will take note of these factors.
Location of Hospitals
Select an HMO that has an extensive network of accredited hospitals. This ensures that no matter what happens to your driver, he or she can seek help from a hospital nearby.
Affordable
As an employer, it’s up to you to talk to your driver about sharing with expenses. Apart from the usual benefits like SSS, Philhealth and Pag Ibig, you may opt to have a 50-50 share of payment for the HMO.
A prepaid health card may just be a good start to protect the driver since it usually includes accident benefits and ER related expenses.
Benefits
Of course, the goal of having a health card is to maximize its benefit based on your needs. Choose the one with minimal restrictions and easy approval every time you use their card.
Room and board, emergency treatment and even annual free physical examination are all great benefits to a driver.
Why Apply for an HMO
Have you tried driving before? I have been doing it for more than a decade and the stress of driving in the city is just getting worse. You can expect the same feeling among drivers with traffic, pollution and even the risk of road rage and crimes can’t be ignored.
A health card will prove useful in the event that hospitalization comes in without warning. So an HMO for car accidents, emergency treatment and even illnesses from work may be covered.
Types of Drivers
We can categorize drivers into two types, the company and family drivers. In any case, they both need minimum protection against medical expenses due to the nature of their jobs.
Family drivers are usually employed by a private citizen and its family. Company drivers may have various categories from public utility vehicles (jeep, bus) to company truck drivers for delivery.
But a third category may just fall within a freelancer segment. If you are a delivery rider, TNVS driver or a motorcycle taxi driver, you can personally avail a health card for yourself.
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