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.
Walk into St. Luke's, Makati Med, or Cardinal Santos with zero bureaucracy.
Transform "Lazy Money" into an estate-protecting, market-linked asset.
| 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 |
Take the free gap analysis. No commitment, just data.