Comprehensive health protection and wealth growth strategies designed specifically for the unique risks of the Filipino Physician.
You provide world-class care, but your own coverage is in critical condition.
Self-employed specialists rarely have corporate HMOs. PhilHealth covers a fraction of actual costs.
Millions sitting in savings accounts earning 0.1%, while medical inflation hits 12% annually.
If you don't work, the clinic earns zero. Your income is tied entirely to your active presence.
A two-tier approach to secure your present and future.
A critical illness plan designed for doctors who want 100% of their money to count.
“Kung magkasakit ka ng major illness, hanggang 3x kang babayaran; kung hindi ka magkasakit hanggang 75, ibabalik lahat ng binayad mo.”
An investment-linked (VUL) bundle that grows with your practice and retirement goals.
“Isang policy lang: lifelong coverage + critical illness + accident + lumalaking investment fund para sa retirement, kids’ education, at clinic expansion.”
| Feature | Traditional Savings | The MD Policy (VUL) |
|---|---|---|
| Growth Potential | 0.1% - 0.25% p.a. | 4% - 10% Market Linked |
| Estate Tax | Taxable (6%) | Tax-Free (Under Rules) |
| Critical Illness | Uses up savings | Separate Fund (Protected) |
| Waiver of Premium | None | Included |
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