This year, God is telling me to prioritize my health above anything else. And once again, God never fails to provide when you ask.
“Keep on asking, and you will receive what you ask for. Keep on seeking, and you will find. Keep on knocking, and the door will be opened to you.” – Matthew 7:7
My KonsultaMD activation came just in time for the celebration of International Women’s Day yesterday. Ah yes, thank You, Lord, for this wonderful gift. 🙏
And yes, it’s really a blessing because I got 3 months’ worth of free access including 1 video and unlimited voice consultations with a general practitioner/specialist. Super awesome, right? I can’t wait to ask the doctor every question I could think of like, “Doc, as a man of Science, do you think the air there in Nibiru is toxic to humans?” Or how salty is salty? Or why is cancer called “cancer”? Can’t we call it “Scorpio” or “Capricorn”? Or how about “Taurus”? 😂
Most likely the doctor will red-tag me as the worst patient ever in human history. lol And the next time I consult with the doctor, he/she is going to tell me to stop pestering him/her with all this nonsense. But I already prepared an answer for that, too: “Oh I am terribly sorry, Doc. I thought you’re an AI Doctor.” 😆
Okay now, let’s skip the jokes lest the doctors who get to read this block me on the app forever. Going back to KonsultaMD, if you’re wondering how I got the free access, it’s included in the new Singlife health insurance I purchased through the GCash app. For the past weeks, I’ve been researching and comparing the differences between HMOs (Health Maintenance Organizations), health insurance, and VUL (Variable Universal Life) insurance. We all know that getting sick can be quite expensive, and we don’t want to spend all our life savings on hospital bills and medications.
I was doing my research on insurance the past weeks, thus, the WordPress hibernation. Another reason for my absence is that I have to limit my digital footprint as part of my preparations for yet another task. So this means I’ll be setting the visibility of this blog to “private” after a few weeks. But I’ll change it to “public” again when the time is right (because I just love my WordPress community). I was also busy “scrounging” the internet for any free medical services that I could find so I can share them with the breast cancer support groups on Facebook.
The number of breast cancer warriors who do not have the means to get their medical checkups is still increasing. My heart bleeds for these women. Sometimes I can’t help but cry because some of them are too sick and have been suffering from severe pain for a long time already because they don’t even have enough money for their basic needs.
But how do I help them? I feel like I only have 5 barley loaves and fishes and there are thousands to feed (Matthew 14:17-19). Day and night, every time I see a post asking for help where to get free medical consultations, lab tests, medicines, etc., I would pray to God to give me the resources to help them.
And God answered – I came across these free events and lectures (thanks, Doc Emmeline!) on social media. I am also praying for opportunities to accompany some of the women in the group especially those who are alone, are too weak to go to nearby hospitals, are too scared, are at a total loss for what to do and where to start, or don’t have enough money to pay for transportation expenses.
Unfortunately, this will have to wait because I’m currently busy helping my husband prepare for his exam this coming Monday. I am praying he will pass the exam so he can achieve his dream of working abroad. I am so happy to see how God is working in my husband’s life right now. It also motivates me to trust God even more. After sending him off, I hope I can devote some of my time doing volunteer work for breast cancer warriors back home.
Why Singlife?
I discovered Singlife through Globe’s GCash app back in 2020 when the Covid-19 pandemic started. I wasn’t able to activate the free health insurance though which covered illnesses like Covid-19 and dengue because I didn’t need it at that time. But after what happened to Mom, I thought that now was the perfect time to explore what Singlife has to offer.
I chose Singlife because it’s a low-risk investment, and yet offers higher coverage compared to HMOs (up to 100-120k only). But it is best to use the HMOs during medical emergencies. A lot of my friends tried to convince me to get a Sun Life insurance a few years ago (and until now), but I told them I’ll hold off getting one for now.
I guess these are the advantages of delayed gratification – you get to wait for a service or product to improve after some time, maximize the benefits later on, and get your money’s worth because there are now better options. My other reason for not getting Sun Life insurance is that my husband and I do not have kids. We don’t have beneficiaries in other words.
I am also apprehensive about getting one after what happened to previous insurance companies that went bankrupt, and policyholders weren’t able to get their invested funds back. Now that the US is heading toward another economic recession, I am unsure how these insurance companies will protect their policyholders’ funds that were invested in stocks and other volatile investments given the global economic outlook in the coming years.
Sun Life’s VUL insurances are a bit of a high-risk investment for me. Though I am considering getting their Business Owner Insurance Package later on God willing. I’m assuming this is one of their new insurance plans so this means conducting due diligence on my end and assessing how our family’s business could benefit from this insurance package. I’m considering it as another option that will add an extra layer of protection (buffer funds) to help sustain the business and recover in case of an economic collapse. Agripreneurs, by the way, can insure their businesses through the Philippine Crop Insurance Corporation under the Department of Agriculture.
As for Singlife, it offers more flexibility when it comes to monthly premiums. I tried the 100-in-1 Medical Plan, and I am looking into buying another plan (Cash for Medical Costs), which offers a higher monthly premium to increase my insurance coverage. But I’ll wait until the free KonsultaMD subscription of my first Singlife plan ends so it won’t overlap with the new plan.
My only prayer now is to find a way to share these unlimited consultations with some of the women in the BC support groups. How I wish I was allowed to schedule a doctor’s appointment on their behalf using my account. So my next task is to explore these opportunities and continue to look for more of them. As they say, when a door won’t open after you knocked, break it down. I’m kidding. We just keep on looking for more doors to open.
I am planning to share all about Singlife on social media because I believe this will help reduce the number of patients trying to avail the free medical services offered by public hospitals. Those who can afford to pay the monthly premiums offered by Singlife can choose a plan that fits their budget. The benefit of having one is that policyholders get to skip long lines and long waiting times to schedule laboratory tests and initial medical consultations (thru KonsultaMD) aside from the cash benefit that they can claim upon diagnosis of an illness and during hospitalization.
I am praying though that more doctors will sign up at KonsultaMD. We can expect more inquiries coming in and possibly more health insurance applications and medical consultations once I share this on social media. I also noticed there is 0-1 doctor only listed under some specializations. I hope there are still more doctors who can accommodate consultations via KonsultaMD in their schedules. Don’t worry Docs, we will try to ask (nonsensical) questions sparingly. ✌️
When it comes to the KonsultaMD app’s overall interface, it is very user-friendly. It is also easy to access and switch from one app feature to the other. And I love the portion of the app where they have a list of comprehensive medical checkup packages (prices included) classified according to gender, age, and illness. I find this very helpful because I plan to have my executive checkup soon though I am feeling well right now, and it’s next on my to-do list after I send off ze hubby. In summary, our best option to safeguard our assets, investments, and life savings when we get sick is to maximize what we can benefit from our HMO, health insurance, and PhilHealth.
And yes, we also never stop looking for opportunities to offer help in any way we can, especially to those who are in dire need of medical assistance. I agree with Prof. Samar Aoun, one of the speakers at the recently held webinar hosted by the European Association for Palliative Care, when she emphasized the need for reflective practice by addressing social needs (identifying the circumstances surrounding the need) and not just look into the pathological lens when it comes to understanding and dealing with patients.
To end this article, here’s my favorite quotation by Edward Everett Hale that hopefully will encourage us all to keep on doing what is good and what is best for everyone:
“I am only one, but I am one; I cannot do everything, but I can do something. What I can do I ought to do, and what I ought to do, by God’s grace, I will do.”
P.S. God’s surprises never end here. Stay tuned for my next post. 🙂
The Journeyman's Moments 