Insurance for baby

Hi mama! Honestly, ang baby health insurance dito sa Pinas, ang pinaka-common na pinag-uusapan namin sa circle ko ay Philhealth para sa basics, free pa lang talaga and covers naman ang major stuff like hospitalization. But a few of us nag-invest din sa private insurance like AXA or Maxicare para sa mas comprehensive coverage, dahil sobrang mahal ng private hospital bills pag may emergency. The key talaga is magkaroon ng both: Philhealth as the foundation, tapos private insurance para sa peace of mind at better hospital choices. It really depends kung ano ang budget mo at kung gusto mo ng flexibility sa hospitals, some mums love the HMO route dahil madali lang mag-claim, while others prefer straight insurance. Definitely worth comparing what benefits each plan covers para sa baby, especially sa preventive check-ups at vaccinations. Good luck po!