The 24-Hour Mommy: Evaluating Your Family's Health Insurance Plan

family finances

Evaluating Your Family's Health Insurance Plan

7:42 AM

There's nothing more important than the life and health of a family member. That's why when we started to have enough funds to spare, my husband made it a point to get the three of us life insurance plans.  My husband is also covered by his company's HMO so he only pays extra for mine and my boy's health insurance.

Insurance Plan Addicts

We signed our first life insurance plans in 2013.  After two years, a family friend introduced us to another insurance company and I signed up for a long-term health and mutual fund insurance plan combo. Then just recently, my husband signed another life-accident-mutual fund insurance plan for himself.

You can call us insurance plan addicts. But if there's one thing I learned from other friends and family members, it's that insurance plans can save you from financial troubles should sickness, accidents, and death happen in the future. At least, with our insurance policies, we can sleep with peace of mind that our son would not be left empty-handed should anything happen to me or my husband.

How To Know If You Got The Best Health Insurance Plan for The Family

Here are a few things that will tell you if you have the best health insurance plan for the family:

  1. Affordable monthly payment 
  2. Coverage is per sickness per year
  3. Wide doctor and hospital network
  4.  Easy to contact for claims or inquiries
  5. Recommended by friends and family members

YGC Corporate Services Inc. Health Protection Plans

YGC Corporate Services Inc., a member company of the Yuchengco Group of Companies, offers various Health Protection Plans such as YGC Family Protect and Malayan Family Protect that caters to the needs of different families. Cash benefits are provided for hospital confinement, ICU confinement, and death and disability.

Also included in the company's Health Protection Plans are:

  • Hospital Cash Plan
  • Family Shield
  • Family Protect Plus
  • Card For Life
  • Family Protect Elite
  • Family Protect Max

Customer Testimonial - Noemi Seminiano

The company's Customer Service Team is always helpful and friendly so you can always get in touch with them should you need anything related to your purchased insurance package.

Here's a personal testimonial from a very satisfied client, Ms. Noemi Seminiano:

Just want to share with you my friend’s real-life experience with regards to a subject that most of us tends to ignore or worse, avoid – INSURANCE. In fact, there are some who gets irritated whenever they receive insurance offers, specially since it is also being offered thru phone nowadays.

My friend’s name is Noemi Seminiano, and her father was hospitalized August of last year due to a very serious illness. It was at that time that they learned that he availed of a Card for Life policy from Yuchengco Group of Companies (YGC) as his father was able to claim from it which helped them a lot in paying his hospital bills.

Unfortunately, his father succumbed to his illness and passed away last November. They were so confused at that time due to his untimely passing. They also didn’t know that there is a life insurance benefit tied up to his YGC’s Card for Life policy.
Months after his death, they sorted out his father’s office boxes, and stumbled on the insurance policy. Upon reading it thoroughly, they found out that Card for Life is a YGC product made possible by combining two (2) insurance companies under the YGC group: Malayan Insurance and Sunlife Grepa. Based on the policy, aside from hospital income benefits which his father already claimed from Malayan Insurance, the plan also provides accidental death benefit and life insurance from Sunlife Grepa.

They immediately notified YGC Customer Service and their personnel quickly assisted Noemi and her mother in filing the claim. Claims submission was fast and efficient as it was done on-line. The claim was approved, and they were able to get a check amounting to P500,000.00.

Through this experience, my friend realized two very important things: firstly, that their father really loved them so much as he made sure that they will be taken cared of even after he’s gone, and secondly, she realized how important it is to get an insurance.

She and her mother were also very thankful to YGC Customer Service specially Ms. Amy who assisted them in filing the claims online, and to their personnel at YGC Center namely Romy and Aubrey who always attend to them warmly. She shared me this picture taken at the YGC Center when they picked up the check for P500,000.

Personally, It was also an eye-opener. Hearing this story first hand from a friend really made me a believer in insurance, and removed all my lingering doubts. Will definitely get one, and as Noemi highly recommends, it has to be from YGC  (I heard they have a great new product called YGC Family Protect Elite). Will also encourage my family and friends to get an insurance. Life is uncertain, and we really cannot tell what tomorrow will bring. We all need to be prepared and ensure that our loved ones will not be burdened if the unexpected happens.

If you want more information about YGC Corporate Services Inc.'s Health Protection Plans and other insurance products, you can visit

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