Being unemployed may become problematic especially if one does not have any sources of alternative income. However, it can come as a career phase or as a choice. Financially, it would still be sound to get health protection even without a job.
For those without a job, it would be best to get a cheap card but with good benefits. Practically, the best for this scenario comes as a prepaid product. We’ve listed some options for you.
- Maxicare Eready: Provides emergency room coverage with up to Php 25,000 benefit. Affordable for only Php 1,350 coverage for the whole year.
2. Philcare ER Shield: One of the cheapest prepaid cards for medical expenses, ER shield has a Php 50,000 coverage for bacterial and viral infections. Accidents are also covered by emergency room treatment benefits.
3. Medicard RxER: A cheap prepaid card for consultations, annual physical exam to keep you healthy and doctor consultations at Medicard clinics. Price starts at Php 1,998 valid for the whole year. Find out more about the coverage of Medicard RxER.
Is a prepaid card enough for my needs?
Surely, having minimum medical coverage is better than none. However, you can maximize hospitalization benefits if you have a health plan coming from the same HMOs.
Once you become employed and have started earning, you may opt to set aside a certain amount to get a comprehensive health plan.
Getting a health card while being unemployed can be beneficial during times of emergencies. If you get sick, there will be a safety net for you to rely on for medical bills.
Moreover, you do not need to use most of your remaining savings which you can reserve for job hunting.
Also, there is no need to depend on your family when it comes to expenses like simple check ups, lab tests or emergency room visits. All of them can be covered by a health card.
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