Philam Protect is an immediately available long-term medical care plan that covers planholders’ medical needs now and in the future no matter how old he is. While it provides cash benefits for funding medical expenses in the future, it already offers medical and health benefits immediately after applying for a plan. It has three components, Future Fund Plus, MediAid (A&H Mediguard), and PhilamCare Health Buddy.

	The product is a tandem of Philamlife’s Accident Shield Plus and PhilamCare’s Health Buddy card. It is a product that gives new PHs maximum financial protection in case of accidents, added coverage on sudden demise plus unlimited consultation to keep them healthy. The first product we aim to “Bounce Back” to our new planholders. The product is a GIO (guaranteed issue offer)
to planholders who currently bought pre-need products. The Philam Health Assure gives an assurance of coverage and privilege of use-which is not otherwise enjoyed by non Planholders.