How to Cancel Your Health Card
So I was finally able to terminate my Caritas Health Card. It took me about 4 months of contacting and going to their head office which is located in Quezon City. It's about 2 hours away from my residence.
Here is the process in getting back your hard-earned money:
Here is the process in getting back your hard-earned money:
The Background
A gay insurance agent in SM Sta. Rosa Laguna approached me as i entered the mall's premises. While I was looking to renew my health insurance with my previous health provider, I was not thinking of buying Caritas Health Shield because of their online reputation.
That person met me and told me that it's Caritas Health Shield's anniversary and as a promo, they are giving me a freebie - a free life insurance and discounts from clinics. They would also include travel incentives. I must admit that I did not think at that time. I was mesmerized by the offer. So I went with them to their office, sat through their presentation.
That person met me and told me that it's Caritas Health Shield's anniversary and as a promo, they are giving me a freebie - a free life insurance and discounts from clinics. They would also include travel incentives. I must admit that I did not think at that time. I was mesmerized by the offer. So I went with them to their office, sat through their presentation.
A lady came over, a clearbook in hand. She explained to me about Caritas Health Shield Max. She asked me if I have a credit card with me to confirm my identity. She then swiped it. I did not know that they charged my credit card! Long story short, I became a captive Caritas planholder.
I could have left it at that but they maxed out my card! I specifically told them that I would like to be charged monthly but they instead charged me for the whole year.
I was enraged at the misrepresentation by these agents.
Thus began my quest to terminate my Caritas Health Shield membership.
The Process to Terminate Your Health Card
This is the process to cancel your health card if there is a clear case of misrepresentation. For members who want to cancel your health card, you can call their hotline.
- Write a letter to the company - specifically addressed to the Alternative Marketing department. I found out that they have a dedicated department that handles the chargeback (!). It seems that there are many of us. You can address it to Mr. Manolo (I don't know his last name). I don't know the last name but they referred to him as a Vice President of the company. I would advise that you should also fill up the contact form on their website. For me, I wrote several letters to a certain Mr. Alfredo Dela Cruz. I won't publish his email here for the sake of privacy. You can fill up the contact form here if you want to email him yourself.
- Call Your Credit Card Company - In the case of credit card payment, call your credit card company to cancel your plan. File a dispute for unauthorized transaction as soon as possible so you will not be charged with interest.
- Follow up with the Alternative Marketing Department - actually they will be the people you will get in contact with in the duration of your cancellation.
- Always Opt for Full Refund - tell them that they misrepresented the benefits of their products and never take no for an answer. As long as you haven't used your health card, you can always get a full refund.
- Call the Insurance Commission - ask for the help of the Insurance Commission if they can't give you a full refund within a week. Otherwise they will convince you to let the plan remain enforced. The Insurance Commission is very helpful and will be by your side during the negotiations.
Keep in mind that you can cancel and get a full refund of your payment within 15 days. But in the case of misrepresentation, you can get a full refund even after a few months. Just make sure that you haven't used your health card so you will get your refund in full. Otherwise, you can only get a partial repayment.
Letter of Cancellation Sample:
Dear Mr. Blank,
I am writing to inform you that I am cancelling my health card with your company. The woman who sold it to me told me that I can withdraw it at the full amount anytime which is a clear case of misrepresentation. I haven't used the health card so I would like to get the full amount of my payment at the soonest possible time. Also, I haven't received my policy even if they told me that it will only take 3 days to process. It's been 2 months already.
I will thank you if you take fast action on this matter.
Sincerely,
Juan de la Cruz
Conclusion
Agents like the ones I encountered do not really look for a long-term relationship with you. They lie and misrepresent because they only want the commission. They don't deserve their commission. Professional agents should look for your welfare and offer your customized products - health products that are "swak" to your needs.
While a health card is essential for us, it should be sold ethically and professionally. Please do not condone agents who not look after your welfare.
Caritas Hot Line
You can contact any of these hotline if you want to avail of a checkup, cancel your card, update your payment, etc.
- 24-Hour-Hotline : (02) 868 - 7000
- Head Office Trunkline : (02) 635 - 7100
- Globe :
- Smart : 0998 - 579 5518
- Sun :
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ReplyDeletehello po were you able to cancel your health card?
ReplyDeleteAny office po nila will do and they will require you to submit the policy, make sure to have the photocopy and signed by their representative for receipt.
DeleteHelo po isa dn po ako sa client nng caritas bago lang po dec.3 2018
DeleteHi, ask ko lng po if automatically nagbabawas ito sa atm card ng cash quarterly depende sa plan na inaplayan mo?
DeleteHello po,yung sa akin po for clearance na Nov pa po yun pero hanggang ngaun for clearance pa rin lagi po ako nagpapa follow up kahit mahirap tumawag sa kanila.Nagbabayad na po ako sa credit card ko 3 months na di ko pa sure kung irerefund nila yun..at paano? Wala na po ako work para hulugan yan every month.
DeleteHello po,yung sa akin po for clearance na Nov pa po yun pero hanggang ngaun for clearance pa rin lagi po ako nagpapa follow up kahit mahirap tumawag sa kanila.Nagbabayad na po ako sa credit card ko 3 months na di ko pa sure kung irerefund nila yun..at paano? Wala na po ako work para hulugan yan every month.
Deletei was also a victim.
ReplyDeleteI also a victim last day lng sa may SM Bacoor..so anong action ang ginawa yo po maam.. napa cancel nyo po ba..please reply..
DeleteI also victim last day lang po sa may SM city Cebu. Try kuna po pina cancel pero d daw pwd dahil nag sign na ung manger nila. Please reply po kung anu gagawin ko?
DeleteSubmit po kyo letter of cancelation sa office nila. Actually im on the process also. Follow instruction nlng sa nag post nito.
DeleteTaga cebu din ako dito sa sm
DeleteKumusta naman yung sayo?
Hndi daw pwd e pa cancel 20perent lang babalik daw..
Im on the process now.. Sabi marerefund nmn daw ung full amount.. Contact the agents that approached u and demand the cancelation and refund of ur money
DeleteYung agent ko ayaw ipa cancel 20% lang pwde mabalik if ipa cancel ko
DeleteMatagal mo n po b nkuha ung insurance? Pno mo po nakuha? Bkit k po npakuha?? At bkit mo sya nkuha.. Gawa k ng letter.. Ktulad ng sinabi d2 sa blog..
DeleteNakuha niyo na po ba refund niyo?
DeleteOk lang po ba ako ang representative ng kuya ko para icancel ung insurance nya. Nasa canada na po kasi xa.. Ung insurance nya 108k less 10% discount so mga 97k ung nacharge sa credit card nya.. Gusto na ni kuya icancel kasi 6months na wala padin xang card wala din updates. Never po nagamit ung insurance.. Please po pa tulong naman pano gagawin namin.
DeleteUpdated...
DeleteOct 15 nagsend ako ng cancelation thru email.. Sa website ng caritas. October 16 tinawagan ako ng isang representative tapos every other day tinatawagan ko ung caritas para mag update. November 9 natapos ung clearance at napasa sa accounting department sabi 30 to 45 days ang process pag bank to bank so nag intay lang kami pero weekly ako tumatawag para sa update. Thanks God December 13 pumasok na sa account ung pera as in lahat ng binayad namin walang bawas tumubo pa kasi mataas ang peso ngayon vs canadian dollar.. Never po ako nagpunta sa main branch nila.. Wag na kayo magpasa sa mga branch kasi hindi nila inaasikaso.. Pde naman walk in sa main branch may representative naman dun sabi nung nakausap ko pero para iwas traffic ok naman thru email at calls. Hoping na maresolve din ang mga case nyo. Salamat. GodBless
Anu po ung email add nila? Gustong gusto ko rn ipa cancel.. pls help po..thank u
DeleteIsa din po ako sa mga nabiktima ng caritas, yesterday lang po sa SM Mabolo, Cebu. Sobrang shock ako sa perang nawala sakin, kasi nakalaan na yung perang yon pampagawa ng bahay namin.. Diko talaga lubos naisip, na sa isang swipe lang, nawala yung pera ko.. Sabi lang naman na e.check check yung atm ko.. Huhuhuhu Gusto ko po makuha yong pera ko..Maawa po kayu sakin, tulungan niyo po ako..Sana po may makapagreply kung paano...
Deletethe sister of my friend also had this experience in SM Mabolo. ang ginawa nila inaway talaga yung manager and took picture of their office to rant on social media,but the manager asked them to delete the photos and they were given refund on that night. apparently their way of doing business is very unethical and the public should really be aware about this type of scheme, para wala nang mga biktima
Deletehi po... tanung lang po panu po kung nag lapse na ung account? or ung plan? kc ung sakin ang sabi nila nag lapse na daw and ndi q na sya ma rerefund... anu suggestions po? kung anu mgandang gawin q.
ReplyDeleteHi. I had the same experience a while ago sa caritas sa may sm sta. Rosa. Pinilit nila ako iswipe yung credit card ko. Pwede ko kaya ipa cancel yung card ko para di nila ako ma-bil? Please help.
ReplyDeleteHi did u already file a complaint??
DeleteHi im also a victim at sta. Rosa laguna sm branch.. I am planing to file a complaint.. They got my money upon swipping my debit card and by saying that they just want to know if iam approve/capable of their plans. And walaah!in just 1 swipe they congratulated me.. And i havent receive any OR and policy i just demand that i want to know what are my benifits so they send it thru mesenger upon reading it.. I doubt all they promised to to me that i can use the hmo card even though iam pregnant.. Which not covered at their plans even checkups.. This is a misrepresent. What is the number of their insurance commissioner?? Is it at their office? They said that they have a office at the balibago near the walter mart.. Please help me. and does any one hear also in my area one file a complaint?
ReplyDeleteHello po. Isa po ko sa napasubo dun sa insurance ng Caritas sa SM Sta Rosa. Kaka-avail ko lang po. Pano po kaya gagawin para ma-terminate. Wala pa po sakin yung card ko.
DeleteNaku ipacancel mu n ung sa iyo.. Cno nakausap mo at ano sinabi sau? Bka sila din ung kumausap sakin.. Magkano pti nakuha sau?
DeleteHi. Naipacancel nyo po ba yung inyo? Gano po katagal ang process?
DeleteHello, ano po nangyari sa case nyo? Nakuha nyo naman po ba yung pera?
DeleteKakakuha ko lng rin s sm sta. Rosa.. anu po ginawa niyo? Nacancel nba?
DeleteHi ako din victim kahapon lang. Nakuha nyo na ba refund nyo? Ng punta ko ulit kanina sabi di nadaw makukuha. Lets help each pther nalang kaya.sabay tayo gumawa ng complain. Gawa tayo ng grou sa facebook para matapos natong prob natin
DeletePls if interated kayo add nyo ko . Kate Marygold Panerio
Thanks God at na refund na ung amount na nakuha sa credit card ko, victim din ako dito sa SM Bacoor last april 28 at ni refund na nila May 31 pasok sa pinangako na 30-45 working days..Guys gawin nyo punta kayo ng office ng caritas na malapit sa inyo hingi kayo ng tolong sa concern nyo at ibibigay naman sa inyo ang mga dapat tawagan at kng sino ang dapat padalhan ng e-mail..SM sta Rosa SM Bacoor same manager lng yan at mabait naman din Si sir explane nyo lng maiigi at wag kayo pumayag sa nga suggestion nya sabihin nyo tlaga na kailangan nyo ng refund, sya mismo ang mag process ng cancellation at take note dapat lagi follow up..
ReplyDeletePano po process na ginawa nyo po? Pahelp naman po kasi gusto ko din magrefund nun sa credit card ko. Thank you .
DeleteSino pong nakausap nyo? Si Joel po ba?
DeleteSa sm santo rosa po nak avial si kuya nung insurance 1yr ung binayaran nya pero after mabayaran walang update walang card.. July ako ang nagfollow up sa caritas sabi aasikasuhin na magkacard si kuya pero sept na wala padin kaya gusto ni kuya cancel na kaso wala xa dito. Pano ang pde nyang gawin?? Salamat po
DeleteKhit nkapirms kn ng mga docs? Naku pinasa ako ng manager daw ng caritas sa head ofis daw ako mg email. I already did that. Wla nman response. Pumayag ako nung una ituloi nlng but then again ayaw ko na kasi mga sinungaling kasi tao sa caritas
ReplyDeleteSan mo pti pinafollow up,? " nag punta kba ng head office?"
ReplyDeleteHindi ako nagpunta ng head office through e-mail lng ako nag follow up..dapat maam hindi muna tinoloy,ganin tlaga sila gawin nila lahat para lng hindi ma cancel ung plan mo,sa akin nga nag offer pa sila na i downgrade ung plan ko at sila na daw mag bayad sa charge ko sa credit card,hindi ako pumayag at iniinsist ko tlaga na gusto ko ng i cancel at ma refund ung 64,105 ko, wala silang magawa kaya pina process nila ung cancellation..yes po nakapirma na ako lahat ng mga docs, yes po sa head office ka po tlaga mag e-mail..yong sa akin naman po nagreply naman agad kinabukasan..address nyo sa customercomplaints@caritashealthshields isa yan sa mga e-mail na pinadalhan ko..
ReplyDeletebakit po ako hindi makapagsend ng email dyan po. Saan pa po kaya pwedeng mag send email please help po
DeleteNakuha niyo na po refund niyo?
DeleteHindi ako nagpunta ng head office through e-mail lng ako nag follow up..dapat maam hindi muna tinoloy,ganin tlaga sila gawin nila lahat para lng hindi ma cancel ung plan mo,sa akin nga nag offer pa sila na i downgrade ung plan ko at sila na daw mag bayad sa charge ko sa credit card,hindi ako pumayag at iniinsist ko tlaga na gusto ko ng i cancel at ma refund ung 64,105 ko, wala silang magawa kaya pina process nila ung cancellation..yes po nakapirma na ako lahat ng mga docs, yes po sa head office ka po tlaga mag e-mail..yong sa akin naman po nagreply naman agad kinabukasan..address nyo sa customercomplaints@caritashealthshields isa yan sa mga e-mail na pinadalhan ko..
ReplyDeletehi ask ko lang po kung pwede pa i cancel ung saken 2yrs ago na nung nakuhaan ako ng 30k dalawa kame ng ate ko. diko na din sya hinuhulugan gawa ng diko nman sya nagagamit dahil sa abroad ako. nagamit ko sya once nagpa cleaning kame ng ngipin ng ate ko pero pahirapan gamitin ung card. nung umuwi ako ng oinas tinry nmen puntahan ung office nila sa pampanga pero sabi ng agent dun dina daw ma refund ung pera nmen. total 60k nakuha samen ng ate ko. pls help
DeletePaki check po uli ung email address mag send ako invalid daw.. Paki list doen nmn po ung mga email add.. Salamat. Sakin kasi 23, 385 hard earned money.. Gusto ko tlga mabawi. Pls. Napatulong k sa customer service ng sm?
ReplyDeletePaki list down po ung lahat ng email address nila sa head office.๐ salamat po.
ReplyDeletehi po, victim din po ako, in my case iba ang sinabi nilang benefits, nung agcheck ako hindi nman pala ganun tapos wala na lahat ng mga agents, team sila, nagpunta na rin ako ng head office at nagbigay ng letter, di sila pumayag downgrade ko na lang daw, ang laki ng charges ko monthly, nagemail na rin ako sa insurance commission last year, magmemeeting daw kami, hanggang ngayon wala pa rin, baka po may makatulong sa inyo sa akin, hirap na ako magbayad sa credit card
ReplyDeleteThis comment has been removed by the author.
ReplyDeleteTotoo bang 30-45 days ung processing nila sa cancellation? And will I get the full amount na sinwipe po sa cc ko? Thanks sa magrereply po
ReplyDeleteAno po email address ni Mr. Manaloto. Nabiktima po ako gsto ko marefund ung kinuha nlng pera sakin.
ReplyDeletePapano po yung cash payment pano po mag refund
ReplyDeleteGot my money back from caritas.. YesY Totoopo ung 30 to 45days processing ng money nyo upon cancelling ur health card. Send them ur letter of cancellation thru email or sa mismong head office. Follow up. I also seeks for assistance at insurance commission, i think nakatulong din sila sa processing.
ReplyDeleteEmail(s) :
Insurance commission:
Publicassistant@insurance.gov.ph
Caritas:
Memb_rels@caritashealthshield.com.ph
Sino po sa IC ang tutulong and how? I called them kaso naka sick leave daw si atty na division manager
Deleteautomatic po na nablik sa account nio ung nkaltas? Confirmation email? isa po akong OFW at na victim nila ako at ang laki nang nakaltas sa akin, gusto ko na ipa cancel agad . Hoping for rhe best. Maraming salamat po. Maaappreciate ko po tlaga if you can share ur experience and cancellation process para magawa ko ans i’m sure marami ring ngbabasa nito. God bless po.
DeleteHi po. Mam before po ba kau nagpasa ng letter sa caritas at sa ic, sumadya ka po ba sa branch manager ng caritas to seek assistance? I also a victim to last sept. 7.super bigat talaga ng feeling ko kaya nagdecide ako icancel na. I contacted ung agent na nakausap ko at issched nya ako ng meeting sa manager nya. Nagresponse naman sya agad saken then kakausapin pa raw ako sa sept. 15. For me matagal ung aantayin ko for sept 15 kaya i seek for another solution if possible mag email na ako ng concern sa mismong caritas. Thanks po
Deletecustomercomplaints@caritashealthshield.com.ph
ReplyDeleteOMG!, I read previous reviews 2 yrs ago. Thank you for this updated blog. I was also a victim and started to join last friday in Pangasinan. Magaling sila mag marketing strategy kaya nila ako nakuha. Nagulat ako dahil sabi nung agent wala sila kukunin sa akin at ako ang makakakuha ng free bag and free voucher which in return need to apply. No choice ako coz they I already gave my ATM card na may partial of 6,550 + 200 (Card fee). Hindi ko inaakala pero I feel n scam po ito so my concern is pano ko po I teterminate yung contract since fresh applicant po nila ako? Is there any chance to refund partial payment?. After reading those complaints, wala na akong dahilan pa para ipagpatuloy yung pagdeposit quarterly. please any help. Thank you.
ReplyDeleteI am very disappointed after knowing na marami na silang naging biktima.I am ex-OFW and currently applying. I want to terminate it as soon as possible. Please I need your help for those who already cancelled their contract. Thank you.
DeleteHi CK na cancel mo ba ang sa iyo? isa rin akong OFW. gusto ko lang malaman kung nkapg pa cancel kana? i plan to email nlng them pero not sure if mg re response cla. i hope yes. kc wala na tlaga ako time. wala nang office sa sat-sun ang flight ko tuesday. helpless tlaga ako, after reading all these reviews i felt deceived,. i wish na maraibalik ung pera ko. 43,305 po ung na deduct sa akon. ung sinasabi nila na i che check lng kung approve nang bank aba pag ka swipe auntomatic. wala akong nagawa. nsa bus na ako nang ma realize ko na dapat binalikan ko at i cancel. pumunta po kc ako nang POEA at sa Robinsons ortigas ako nka avail neto.
DeleteSubmit po kayo sa branch na napuntahan nyo ng letter of cancellation indicating the reason therein. Then, kakausapin ka ng agent mo about sa reason mo for cancellation. Stand by your decision that you want it to be cancelled because they will still encourage you to still avail the product. Then you have to wait for 30-45 days for the process. I am also in the process.
ReplyDeletePlease help me. Ayaw i-allow yung cancellation ko. Sabi daw ng management, standard naman yung procedure during the transaction. What should I do?
ReplyDeleteHi this is CK. is it okay to pass the cancellation na sa main office nila sa quezon rather than sa agent na kinumbense ako sa pagsisinungaling nila through marketing strategy keme keme. Kaso I’m still finding any reasons para macancel yung contract which wala pa nmnag problema na nangyayri sa ATM ko. I feel unsatisfied kasi after reading reviews on caritas. Most of the reviews kasi is negeative. OFW po ako so I want to cancel it as soon as possible. Thank you for your immediate reply.
ReplyDeleteI am a victim of fraudulent swiping of my debit card and misleading marketing. Ang kakapal ng muka! Sabi iccheck lang ang card ko kay bdo kung eligible ako for approval. Tapos naswipe na nya without my consent. At ang linaw ng usapan namen na wala akong babayaran. Kakapal talaga! On process na ung refund ko at buti na lang din hindi pa na eenroll ng branch. Sana makuha ko agad. Kung gusto nyo po marefund ang mga pera nyo punta po kayo sa main office nila and pass a cancellation letter. Call insurance Commission as well and send them a copy of your cancellation letter na may received sign ng caritas.
ReplyDeleteAko 2 weeks ago na after I processed my application. After reading negative comments sa caritas gusto ko na i-cancel. And I don’t know how to start the cancellation process. Please I need someone’s help. Thank you.
DeleteHi, pag nka apply po ba tayo nang cancellation or i i ca cancel mo sa branch na nag apply ka. ung pera ho ba mkukuha agad or i dedeposit nila ulit sa account ko? paalis na ho kc ako sa tuesday. wala po makaka ff up dto sa Manila. OFW po ako. pinilit po talaga nila ako, ang sabi i che check lang ATM card ko pag swipe nkuha agad ung amount 43,305 po na defuct sa akin. pag uwi ko talaga, i felt na i made a wrong decision plus pa nkita ko ang mga reviews niyo. please po if you have any information please help me.
Deletehello..victim din po ako dito sa sm sta.rosa last aug 22,that day din mga 7pm nag file ako ng cancellation sabi nila sila mag asikaso pero pag tawag ko sa customer relations wala daw cl na tatanggap so ako ang nagforward ng letter atbp papers..gusto ko po malaman ang cp number ng INSURANCE COMMISSION pr maka call ako sa kanila mejo ang tgal npo ng concern ko at di ko nman po ginagamait ung card nila..please reply po...what to do na rin..thank you
DeleteSir direct po kau magemail sa caritas. Cc nyo din po ung insurance commission. And kapag na cc nyo po ung insurance commision eh magsent po kau ng separate email sa kanila na nagpapa assist po kau sa concern nyo po. Ganyan po ginawa ko nung last thursday. Mag eemail din po ung caritas sa inyo na nareceive nila email nyo. Tpos follow up nyo nalang sila. After ilang days. Ako ang hirap makatawag sa kanila. Kaya thru email follow up ko po.
Deletehi po, nag email na po ako sa kanila in regards sa cancellation, hindi po ako nagpunta sa main branch, ok lang po ba yun?
DeleteDo exactly the same thing, submit cancellation letter and make sure you call them kasi ako I submitted after ko mafraud agad. Then i called them tapos ifollow up, tatawag ako ulit today.
ReplyDeleteThank you. Pwd ko pa kaya marefund yung pera after 2 weeks ago. Meron naman silang temporary receipt tapos 6750 yung charge kasama yung 200 na process nung ID. I can’t say NO to them but after got membered gusto kong bawiin not totally satisfied. Do i need to go sa branch na inapplyan ko or sa main office na? Thank you.
DeleteMa’am na refund nio na ho ba ang pera nio? Tanong ko lng po. ano ho sa tingin nip ang magagawa kp , ofw po ako, di rin ako taga maynila, ng re reply ho ba cla sa mga emails? wala po kc mkakaoah process nito. knina lng pla ako nka apply sa knila, pinilit po tlaga nia ako sa may Robibsons Ortigas, since friday ngayob helpless tlaga ako kc sa tuesday balik ko sa saudi. Di ko alam kung matatapos ko to if pupunta ako sa office nila sa monday. Gusto ko lng ma refund ung pera. tumawag ako sa hotline nila availment lng dw ung duon ung isa naman regarding hospital benifits and etc. sino po kapareho ko ofw dyan. share nio naman po experiences nio. ano pong dapat gawin. Thank you po.
DeleteHello po mam. Zi ri ano po number nila for follow up kasi sa ibang number nila walang sumasagot. Salamat po
DeleteHi, kanina ko lang po na apply an to’ pinilit po tlaga nila ako kahit ng mamadali na ako, ang sabi i che check lang ung ATM card ko kung approve nang Bank ko, hala pag swipe automatic nakuha ung pera. saturday na bukas walang office. Possible ku kaya makuha sa monday ung refund? Mag pa flight na ko sa Tuesday. tulong naman po kung anong gagawin ko. mg visit po ako nang office nila Robinsons Ortigas.
ReplyDeletePrepare a cancellation letter wheter you’ve been fraud or agent convince you due to their misleading strategy. Pass sa mismong pinag applyan mo then get acknowledgement for follow up then send that acknowledgement to caritas email cc IC and follow up follow up follow up. 30 to 45 days yung process.
Deletedahil wala ho ako dito sa Pilipinas at aalis n ako ng aalala ho ako na hindi nila ma pa process, will i get a confirmation letter that the money has been returned at ung application has been cancelled? since di ko pa ma check dahil ung ATM ko is with me at savings kc wala akong online to check . Anong nangyari po sa application ninyo? di tlaga ako mkatulog dahil dito. I hope everything will be ok,
DeleteHi there, submit cancellation letter dun sa branch and email mo yun sa head office nila kasama ng acknowledgement na ginawa dun sa branch. Need kasi yun ng head office. Tapos complete details yun nasa cancellation letter mo.
ReplyDeleteAlso make sure, i-cc mo sa email yun insurance Commission (publicassistance@insurance.gov.ph)
Then once na maemail mo sila, tawagan mo. Ang hirap makontak ng caritas ngayon. Nasa 4th week na ako next week, ticket number palang meron ako.
If you do have FB, kindly look for me Zi Ri and share my post para madami makakita ng fraud strategy nila., i posted everything there.
Thank you sooooo much. Gagawin ko po yan salamat po sa mga naka reply sa akin, tanong ko lng po. Kelangan ko ho bang mgpunta nang bangko ko para i cancel anf any transaction from them? i believe na automatic clang mg charge for yearly contribution yun po kc ang nalagai nila sa akin , since wala po kc ako dto sa pinas gusto ko lng i make sure na hindi tatagal to’ since next year na naman ako mkakabalik to make everything clear. at this point gusto ko lang macancel na ung application ko i’m not even thingking of pera na. i cannot also disclose it in public like FB because my family esp my mom doesn’t know about it i don’t want to give her more stress dahil di ako ng iisip. i could only warn my OFw friends to be ware. if kylangan ipa tulfo or anything i could also make a testimony privately lang. I hope more people mka visit sa dito para di mangyari sa kanila.
DeleteHi po miss. Ano po yung email address ng head office?
DeleteI sent a cancellation letter sa branch kung saan ako nabiktima and sabi nila nasend na nila sa head office yung letter ko and to wait 4-6 months for my full refund, straight to my ATM na. Pero wala akong tiwala sa kanila. Baka wala lang din mangyari after 6 months of waiting
hello po email nyo po jmdcamarao@caritashealthshield.com.ph tumawag ako kanina directly sa head office at yan po ung email add binigay nila saken.hndi po nila ako pinorward sa mismong department nila for concern kasi sabi ng nakausap ko nagaayos sila ng gamit. cc to memb_rels@caritashealthshield.com.ph at bcc to publicassistance@insurance.gov.ph yan po ginawa ko today para make sure na ma adress nila concern ko. although pinapapunta pa ako sa sept. 15 sa sm sta.rosa to talk branch manager ng agent na nakausap ko
DeleteGood day po. Patulong naman. Last march 2018 nagbakasyon kuya ko dito sa pinas nakapag avail sya ng hi end insurance.. international Credit card gamit nya. 97k ung binayaran nya. After makabayad hindi masyadong naexplain nung agent na pde na magagamit ung free medical so march 15 nakaalis nadin xa pa canada.walang update tungkol sa insurance wala din ung card. July 21 pinapunta nya ako sa caritas sm Santa rosa.. Nakausap ko yung manager so nagka agreement na aasikasuhin nya personally ung concern ng kuya ko sabi nya mga 3days lang madedeliver na dito sa bulacan ung card ng kuya ko. Pero after a week pa xa nag reply sa email ko kung hindi ko pa xa tinawagan sa number nya. Nanghingi sila ng mga id nagpagawa ng letter kasi walang local id si kuya.. Tapos aug 21. Tumawag ako sa kanya sabi wala pa ung card kasi need ni kuya gumawa ng letter indicate ung local address nya. E sabi ni kuya nung nagfifill up palang xa sinabi na nya wala xang local address kasi sa canad sila na ka base.. Gusto na ni kuya icancel ung insurance nya.. Pahelp naman po.. Ok lang ba na ako ang mag aasikaso kasi nasa ibang bansa xa. Never pa nagamit ung insurance. Salamat po.
ReplyDeleteHi guys. So bale may complaint ticket number na ko sa caritas. Nag-email pala sa kanila ang Insurance Commission since I asked for their assistance to cancel my health card. They also asked me to come to their head office in QC. btw, alam nyo po ba kung paano papunta ng E Rodriquez Sr. Ave. QC via commute? Thanks.
ReplyDeleteHello po. Sino po gusto sumama sa Caritas Main office sa QC? From Sta rosa po ako.
ReplyDeleteHello po. Pano po procedure ginawa mo po? Kasi sa sat daw ako nakasched ng meeting ng branch manager sa sta. Rosa. I also want to cancel my membership narin sa kanila. Nag avail lang ako last sept 7 sa sm sta rosa
Deletenakapunta kna po sa main office? baka kasi ganun ipagawa nila saken since kakaemail ko lang po sa kanila ngaun lang
DeletePupunta po ako sa main office nila sa September 21, 2018. Tinawagan ako ng Caritas last Sept. 10 about dun sa cancellation. Kasi nag-email daw sa kanila ang Insurance Commission about dun sa case ko, since I seek help from IC. Wag na kayo umasa dyan sa mga branch manager ng caritas. Paghihintayin lang kayo nyan, pero sa huli wala rin. Sa main office na mismo dumerecho.
Deletehello..nag email narin ako sa IC pero wala pa silang reply..what to do po kaya..i called caritas many times pero acknowlegement plng na receive ko..na stress nako sa tagal ng action nila..pero sa pag swipe nila ng cc ko ang bilis nila..dito sa sm sta.rosa...hay naman talaga
DeleteHndi na ako nagpunta sa sm sta. Rosa para ipacancel kasi masama kutob ko. Kaya nagemail nalang ako sa caritas. Pero puro acknowledgement lang reply nila. Nagemail din ako kahapon para hingan ng status and when to expect ung refund ko eh wala sila reply. Even ic nagemail na ako ng separate sa kanila to seek assitance, wala parin po sila reply. Ang hirap maka contact ngaun sa caritas. Ang layo ko naman po para magpunta sa main nila. Nasstress na po ako. Lets pray to god na sana from time to time nagbibigay po sila feedback satin
DeletePlease update us kung ano po mangyayari if magpunta po kau sa main office. Kasi ang layo natin sa main office. Baka sa next tawag nila eh papuntahin na po nila ako dun. From calamba pa naman po ako
DeleteGood Afternoon po. Update ko lang ung case ng sa kuya ko. Nagpasa ako ng letter of cancelation sa sm. Santa rosa nung oct 2 sabi nung manager irereceive nila tapos ifoforward nila sa main.(wag kayo maniniwala kasi ung samin hindi nila finorward.) oct 15 nag email ako sa caritas. customerrelations@caritashealthshield.com.ph dyan po. Tapos oct 16 tumawag sakin si sir jm (xa ung may hawak ng case ni kuya) ayun po xa daw nag cclearance. Oct 23 sabi nya nasa head na nya for clearance. Nov 5 tumawag at nag email ako sa caritas sabi ni sir jm kababalik lang daw sa kanya ng mga papers ni kuya. Nov 9 ayun on process na ung papers ni kuya mean naipasa na sa finance. Sabi pag ganun ok na un. Wait ng 30 to 45 days nag email sila sakin. Hoping na ok. Kasi bank to bank. Saka full payment sana.
DeleteCustomer relation
09438479633
09988412674
09988412669
Pag hindi nyo po sila macontact tawag kayo sa medical hotline
09228978635 .. May ibibigay silang number pero wag nyo na itry tawagan kasi hindi naman nasagot sabihin nyo sa kausap nyo itransfer nalang kayo kasi hindi kayo makaconnect..
Halos weekly ako natawag. Kulitin nyo sila. Pero never ako pumunta sa main office. Sabi nung sa customer relation pde naman daw walk in. Dun nyo dadalhin ung letter at mga papers. Pero once na nagsend kayo sa email un na un at kung may hawak na ng case nyo xa na mag aasikaso nun.
God Bless
good day po. tumawag po ako kanina directly sa caritas.nasagot naman po ng customer service then pinorward nila ako sa assistance dept.nila.wala po nasagot kaya tumawag ulit ako.sabi ng nakausap ko sa customer service eh nag aayos daw ng gamit kasi naglipat ng office kagabi ung mag aassist sa mga concerns. kaya binigyan nila ako email add kung kanino ko direct iaadress concern ko. hope na maayos nila eto immediately
ReplyDeleteNakuha ko na refund ko today, 33 days process sakin including sat sun.
ReplyDeleteHi Ms. Desiree,
DeleteAko po recently lang ung transaction.
Di nila inexplain maayos kung paano ung payment thru credit card,
after swipe ko na nalaman na separate transaction fees pa pala yun sa credit card.
Hi Ms. Desiree, ano po process nyo Ng pag parefund?.
DeleteMam, full refund po sayo? Nagamit ko once as part ng annual check up. Balak ko po ipacancel sana
DeleteMay dumating saken card fr. Them today lang. Nagsubmit ako cancellation nila nung sept. 13 lang. Ano po ginawa nyo sa card? Or pinababalik ba un sa kanila if nag cancel na po kau? Thanks
ReplyDeletehi any help or suggestions,anu po pwede ko po gawin sa caritas ko po kumuha po ako last 2016 then Plan ko na po magbayad last 2017 ng anual payment pagdating dun sa wala n daw yung cashier Branch Sm bicutan,may agent dun ng briefing ng avail ko health insurance,then ngoffer sya ng bago health insurance ,then explain n mas better yung bago,,sa hindi ko po maisip na convince po ako ng agent na baliwalain yung una ko policy at kumuha ng bago..ngyn po kasi dami ko po naririnig n negative gusto po refund yung pera ko po,never ko n nmn po nagamit yung health card.Anu po dapat ko po gawin?
ReplyDeleteSame thing nag avail din ako dec 2016 hangang dec 2017 1yr din ako noa bayad . Pero dis yr wala akong binayad dahil balak kon i cancel pero sabi nila dina daw ma rerefund ung pera . 30k plus din ang nawala sken at dalawa pa kame ng ate ko . Posible pa kaya na refund un
Deletehi sana may makapansin at makapagbigay ng suggestion ng dapat gawin. 2018 naging member ako sa kanila same scheme din sa mall hindi ko naman nagagamit ung health card nila malayo ung credited na hospital pero tuloy ang pagbabayad ko just incase of emergency kaya lang this year hindi ko na mahuhulugan ung sakin wala na kasi akong trabaho..pede ko po bang ipacancel yun at mairefund ung biniyad ko? any one na same story ng sakin? thank you inadvance
Deletehello., Im also a victim of caritas here at sm cebu last saturday september 22, 2018. ngayon po bumalik kami nang friend ko dito sa sm para ma cancel at mkuha namin yung refund kaso sabi nung babae na mayron daw termination value at posible daw na hindi nmin makuha yung refund kasi wala pa raw kami sa kalahati ng plan na avail namin... ano po bng dapat nmin gawin? pa help naman guys.... 20,000 yung na swipe + 200 sa card...
ReplyDeleteThat is not true. Sinungaling yang mga yan. Merong rule ang Insurance Commission na pwedeng icancel ang plan within 10 days from the date of availment. Yan mismo ang sinabi sakin sa main office nila. I am just waiting for the chargeback na makukuha ko.
Deletehi ms. nadine. magdirect ka nalang po sa caritas main kahit thru email.tpos cc mo ung insurance commission then write a separate letter thru email sa insurance commission na nagpapaassist ka sa concern mo sa caritas.ganyan po ginawa ko.hndi na ako bumalik at nakipag usap sa sm branch nila. in 3 weeks nairefund naman po nila in full ung saken. siguro kasi tumawag ako sa credit card company ko before sila magbilling.sinabi ko lang na pinacancel ko po ung sa caritas at wala feedback saken if what status
Deletesalamat... yung cancellation latter po ba ang e-email sa caritas main... saan po ba yung main? dito po ba sa cebu or sa quezon city?
Deleteano pong email add ng caritas?
Deletesa qc po mam. corporatecommunications@caritashealthshiel.com.ph saka
Deletememb_rels@caritashealthshield.com.ph. tpos send ka ng separate email sa insurance commision then i attach mo ung letter na ipapadala mo sa caritas. publicassistance@insurance.gov.ph
ano po ilalagay sa email para sa insurance commission?
Deleteano po ba sasabihin ko sa email para dun sa insurance commission,,, hihingi lng ako ng idea kasi nalilito na po ako. di ko alam gagawin ko... pls...
DeleteHelo po pariha tayo victim dn ako ako sa sm city cebu.nakuha naba yong refund nyo?
Deletesalamat... yung cancellation letter po ba namin yung e-email ko?
ReplyDeleteHello, sa SM City Cebu rin po ako nabiktima last month. Contact niyo po ang Insurance Commission ng Cebu
Delete(032) 254-0861
insurancecebu@yahoo.com
Pwede po kayo tumawag sa number para may makausap kayo na taga-IC. Pero ang pinagawa po sa akin ng IC ay bumalik sa branch kung saan nabiktima, sumulat ng letter of cancellation and ipapirma sa branch manager. Ask them for a photocopy of the letter for your own keeping. Then for safe measure ask for a photocopy of the transaction slip as well. Then I emailed IC Cebu about my story and added the photocopied letter as attachment. After that, IC emailed Caritas (with me CCed) asking for them to give me my money back. An attorney is on my case and they later sent me an email showing the letter that the attorney wrote to Caritas. I haven't gotten my money back, but a lot of the other comments here say they got theirs back in 30-45 days so I'm hoping that will be the case for me too.
Good luck
Thank you for that... hope you'll be refunded..
Deletehi, san ko po b kayo makontak... may katanungan lng po ako.... pls... salamat.
Deletehi, san ko po b kayo makontak... may katanungan lng po ako.... pls... salamat.
Deletesabi nila wla raw pong refund kasi nakasulat po raw sa contract na wlang termination value kapag nagpa terminate ng plan. tinatanong naman nmin anong gagawin pag gustong magpa cancel... sabi nla wla rin po akong dapat gawin... may 2 yrs daw na extension pag di magbayad... at kung aabot ng 3yrs dun na raw ma forfeit yung plan... mayron bang ganung na titigil ka lng sa pagbayad para lng ma cancel yung plan...
DeleteReport this to the insurance commission
DeleteMam Nadine , anu n po balita,? N pa cancel nyo po?
DeleteHello. Possible po ba hndi marerefund even sa main kana nagpasa ng cancellation letter? Kasi hndi ako masagot regarding sa status ng cancellation ko under caritas. Depende po ba eto sa reason na naka state sa cancellation letter kasi puro evaluation/investigation ang sagot saken kapag nagfofollow up po ako. Thanks
ReplyDeleteHi guys. What is the status of your cancellation?
ReplyDeletePara sa mga naghahanap ng contact number / email ng insurance commission, ito po ang link:
ReplyDeleteInsurance Commission Contact
Hello po isa din po ako sa inyo. 1yr din pi akong nka hulog . Mag iisang taon na din ako di naghuhulog kase nung mag reklamo ako sa office nila di na daw ma refund ung pera ko kaya hinayaan ko nlang ung perang pinag hirapan ko. Sana matulungan nyo ko
ReplyDeletehi! nag followup pa ba sila sayo nung time na di ka na naghulog? kasi plan ko sana di na bayaran from the start e kaso kiakabahan naman ako in the future baka may case something pa
DeleteHi po ask ko lang po kung makakakuha pa po ba ko ng full refund kahit nasa akin na po yung contract policy? Wala pa po akong 1month..sa sm sta rosa po nangyare na swipe po ang credit card ko.. nag email na po ako sa main office, ang sabi po nila for evaluation pa daw po ang aking cancellation letter.. Isa rin po ako sa nabiktima nila ng misrepresentation .. Sana po matulungan nyu po ako
ReplyDeleteHello po i’m 22 years old po ng avail din po ako nito coz i thought pwede sya e withdraw anytime pero nkita ko yung review and wanted to cancel. I emailed caritas and IC and waiting for response i got one from caritas saying acknowledge and they’ll get back to me asap. Di na po ako ng visit ng store kasi tumawag ako sa tumulong sakin sabi nya daw no return policy. I’m scared po i need help please. Anyone? Please po..
ReplyDeleteany update sir? same status here
DeleteMrs ko rin po sir. Same mall sa sta rosa. Pero sa kanya e BPI acccount ang pinachek at nakunan ng 12k.
ReplyDeleteWala pang 1 month. Gusto namin iparefund yung pera kasi sa mother ng Mrs ko yun at pinatabi lang sa account nya.
Mag email po kayo direct sa main po ng caritas then mag submit po kayo ng cancellation together with the receipt and ur cancellation letter po.. Then sa knila pp kayo lage mag follow up..
DeleteThanks po. tumawag na ako sa hotline ng Caritas at pinadirect nga ako sa relations nila.
DeleteShare ko lang naging experience ko. So last December 7 2018 nakaavail ako nito, same situations kagaya po ng sa inyo, sabi pa sa akin ay after 5 years pwede ko na makuha ang pera yun pala ang maturity yearng plan na ibinigay sa akin is sa ika 11th year pa,and yung Id 2 weeks lang raw ay makuha ko na at update raw ako ng agent kung mayroon na,and yung dependent ko raw ay makikinabang rin agad. Yun pala ay for consultation lamang, binigyan na ako ng policy, receipt and yung terms and conditions rin but di nila inexplain sa akin ng maayos . So pagdating ko sa bahay nagcheck ako agad sa net about caritas until I end up reading your situations here. On the same day. Nag email ako sa customer relations nila cc nyo yung publicassistance. I received an email after 3 days sa kanila. Telling me to send hand written letter, my receipt and Ids. Pero december 22 na ako nakapagsend back ng email. After nun wala ako nareceive email sa kanila so i called yung mga hotlines nila. Follow nyo lang sasabihin nila kung sino mga dapat icontact. Hanggang sa nacontact ko ang customer relations nila. Sabi nila magrereply naman daw at for approval pa ang case ko.
ReplyDeletePero january 4 nagsend na sila email about my refund 30 to 45 banking days daw. But January 9 nareceive ko na rin refund ko not much amounting 8,030 but still hard earned money yun. Ithink tama na nakatulong yung pag cc sa publicassistance.gov
Sana makuha nyo rin refunds nyo.
Mabuti nman at nkuha muna ang refund mu maam kaye,sa akin po hindi pa po nkuha november 15 2018 din ako nka avail ng healthcare plan nla.nag email na din ako sa main ng caritas november 24 2018 for cancellation letter.november 26 nag reply nman cla sa email ko.hiningian din nla ako ng id,proof payment.nkakadisya lng 47 days na ngaun wla pa cla feedback sa akin tuloy2x po ako nag ppa follow up sa kania ang sabi lng nla nsa approval na daw.hanggang ngaun nag aantay pa rin ako na ma refund ung pera ko 25,300.
ReplyDeleteNakuha nyo n po ung refund?. Nagamit ko ung akin for annual.. If magpacancel, may idea po b keo how much ibabawas nila?
DeleteHi po ask ko lng po kung nkakuha n po kayo ng refund? Tnx
DeleteHelo po, aq din po nv.17 pa, nagpass nrin aq ng letter, nagreply nman kso sbi hand written daw hi di daw nila tatanggpin un copy lng s internet, e hindi q nman kinopya un, kz pare pareho lng nman reklamo, ky up to now d q prin nrerepond un pera q .
ReplyDeleteSa sm pampanga aq s 3 rd floor, meron din b d2 n taga pampanga?nov.17,2018 aq ,
ReplyDeleteHi, actually i also was scammed on Oct,2018. I was notified na due ung 2nd installment ng december, i ignored it. ngayong jan.2019 nagtext and nagffollowup actually nattrauma na ako rito e. could i use some help para materminate ko na ung contract ko sa kanila.
DeleteHello po. Kahapon lang po jan 28, 2019 na victim din po ako ng caritas na yan. Nag bayad po ako ng initial payment, 2k, para sa supreme plan. Pwede ko pa ma withdraw ung binayad ko kahapon? Please pa help naman po. Dun po ito nangyari sa UN taft. Alam ko mababang halaga lang ito compare to anyone. Pero sayang din po kasi. Salamat po sa pag babasa. Sana po maibalik na lahat mg pera.
ReplyDeleteMake an email sa insurance commission the followup for refund & cancellation of your contract
Deletehi jaz. ask ko lng napa cancel mo nba yng sayo? same na same tyo ng problem.. help me please.
ReplyDeleteNag email po ako sa Insurance Commission para humingi ng tulong for cancellation. Also pumunta ako sa Caritas sa Pampanga, kung san ako nabikitima, nagpareceive ako ng letter ng cancellation ng contract ko.Nitong Jan 31 nagsend ng email si Insurance Commission sa Caritas at sa akin na nagtake na sila ng action sa Request ko. Bale nagffollowup ako sa Caritas for the status thru email, di kasi ako makatawag since sobrang busy sa trabaho
Deleteplease help me as well I was oneof the victim If I have known that they only have 15 days to cancel I should have cancelled it I have waited 30 days as was told that I have to wait until then to cancel it
Deletehi po, victim rin po sko, paki tulongan nsman po kung ano gagawin, kahapon ako naka join, at gusto ko ipa cancel ngayon through cash naman po yung transaction namin, nakusap ko yung agent kanina sabi niya di na daw pwede ma pa cancel kasi laps na ng isang araw, sana daw at the samw daw makacancel pa yun,kagabi ko lang din nalaman na ganto pala to dito sa caritas. di ako nakatulog magdamag kakaisip sa pera ko, 54k nabayaran ko good for 1 yr.. paki tulong nsman po kung sno magagawa ko, at kung ano magandang letter sa gantong case.
ReplyDeleteBakit sobrang laki naman ng nakuha sa inyo Mam? Gawa ka ng letter for cancellation, reasoning na ayaw mo ng health card. Also idulog mo to sa Insurance Commission, I dont know yung office nito pero nag email ako explaining ung nangyari sakin. THen nung Jan31 dumating ung letter for their action to followup my claim against Caritas. For now, wala pang update sakin. But nagffollowup ako thru email.
Deletesa mga victims po dito, mag tulungan po tayo, chat niyo po ako.. eto name k sa Fb Bercs MJ.. gawa po tayo group chat, para sama sama tayo pumunta sa main office, sa ganitomg paraan mapapansin tayo, kasi mas marami tayong nag cocomplaint, mag tulungan po tayo, 54K po ang nadali sa akin ng caritas kahapon lang ako naka join, gusto ko na siya i cancel agad.
ReplyDeleteHi guys! I was also a victim of Caritas. I was able to cancel the plan. I got the refund. This is what I did to get my refund:
ReplyDelete1.Email your concern to Insurance Commission.
2.Make a cancellation letter and go to the main office of Caritas and address your issue. You can cancel your plan within 10 days from the date of acquisition. (accdg. to insurance code)
Dont believe those people from the branch telling you that you cant cancel your plan.
3. Patiently wait for 30-45 days for the refund.
4. FOLLOW-UP.
panu ung sakin more than 15 days na sabi kc sa akin ma cancel q after 30 days
Deleteplease help naman po
DeleteGusto ko po ipa cancelled yung sa akin po maamm ano hu dapat gawin ko
ReplyDeleteVictim din po ako sa caritas sm cebu ano ho ba ang unang hakbang para mapa cancelled yung caritas card ko wla pa hung 24hrs simula ng nag file ako
ReplyDeleteIsa rin po ako na nabiktima nila. Mga sinungaling mga agents at managers diyan sa sm cebu branch. As per INSURANCE COMMISSION, you can cancel the policy you have 10 working days from the time you applied and get full refund.
DeleteThese are the things you need to do:
1. Give them request letter to cancel the insurance and get the full refund that was charged to you (wag mo din kakalimutan yung P200 for ID daw). Make sure the manager recieves the letter and signs it to prove they have received the letter. Picturan mo din na may pirma para may proof ka kasi they will keep it.
2. Wag ka na papadala sa mga flowery words nila. Say no and tell them na you will cancel.
3. Tatakutin ka ng manager if you terminate...TAKE NOTE TERMINATE yung term nila hindi cancellation...kasi if you terminate you will not get the refund. Ang termination is different sa cancellation.
Termination is when you have used the policy and more than 10 days na from the time ka kumuha ng policy.
Cancellation is the term used for new applications na ipapa cancel but within the period of 10 working days from the time na nag apply ka. You get full refund.
4. Manager will ask for the TPR or yung temporary receipt na naka carbon copy lang after she recieves the letter. WAG NA WAG MO IBIBIGAY kasi may original copy sila. If you did they have a process na puwede nila ideclare na nag terminate (take note di cancel yung term) ka and you will not get the refund and makukuha nila pera mo. Mga manloloko talaga sila. :(
5. Tumawag ka din sa hotline ng caritas at mag reklamo. Make sure to tell the customer rep na irecord yung reklamo sa system nila. Mag email ka din sa customerrelations@caritashealthshield.com.ph asking to cancel and refund and iattach mo na rin yung scanned na signed request letter mo. Kasi minsan yung branch agents/managers nila hindi nila ifoforward yung request.
Magrereply yung caritas email to provide your name and address kasi may tatawag.
6. In any case walang reply pumunta sa branch...again pag inayawan ka, magreklamo ka na sa insurance commission. Bawal kasi sa isang HMO na ideny yung cancellation kasi nasa batas kasi natin na puwede mag cancel within 10 working days from the time you applied. You can call IC and send them an email detailing your ordeal. Nasa site nila yung contact # and email add.
7. You have to be quick and makulit kasi andami delaying tactics ng caritas. Ang aim mo is for them to confirm your cancellation and refund you fully. Humingi ng official document for this.
isa din po ako sa member ng caritas according po sa agent na nakausap ko after 5 years pwede ko na syang makuha pero nagpunta ako sa branch located sa balibago sabi nila Hindi daw makukuha yon hinulog after 10 years pa daw. October 24,2018 nakuha nila pera ko. gusto ko na po ipa cancel. nagamit ko na po and card para sa physical exam for employment. Please help po kung piano KO makukuha ang remaining amount ng hulog ko. salamat
ReplyDeleteWhat are the valid grounds to cancel insurance?
ReplyDeleteits scam!!! agent who just wanr commission and not thinking that money that they are getting from us is also hard earned money. I was told that my card wont be charge until I get my statement.Who would have in her right mind agreed to be charge large amount of money and paid interest.Also was told that I have to wait 30 days before I cancel my contract,now that Im calling them to cancel I was told cant be cancelled coz it was already beyond 30 days are they out of there mind?
ReplyDeleteI need help cancelling my contract, please send me where I can right a complain I want a full refund on my account
ReplyDeleteI wanted to cancel my insurance due to their scammy marketing and misrepesented their products. I got the insurance sa sm cebu 2 days ago. I sent a request letter to cancel and get full refund of the amount charged to my card. I had the manager recieve and signed it..but she said that if I terminate (take note she used terminate not cancel) I will not get any refund because I have not reached the termination value period. I said I wanted to CANCEL not terminate kasi kakakuha ko lang 2 days ago at di pa nagagamit. And hiningi niya yung TPR ko and when she said na need nila for the termination daw, TAKE NOTE GUYS: wag niyo ever ibibigay yung TPR kasi kopya niyo yan may copy sila. May mga para paraan sila para makuha yung pera niyo. But I insisted that I get my TPR, HB na si lola niyo so binigay niya sa akin. So the manager said na she will give me up to today to decide. So I left and called the IC and natawa sila kasi nung nalaman nila na caritas sabi ng taga IC."na naman". So marami na palang naloloko tong caritas na to. Sabi ng IC na sinungaling yung manager kasi I have the right to CANCEL the policy 10 working days from the time na nag apply ka ang get full refund of the money na na charge sa cards niyo. This is true for any insurance policy. So sabi ng taga IC na tumawag sa caritas hotline which I did. And sabi ng taga caritas na magsend ng request letter email (customerrelations@caritashealthshield.com.ph). I sent an email detailing yung ordeal ko sa kanila and demanding to cancel and get the full refund sa amt na na charge sa card ko Including yung P200 na para daw ID. And all I recieved is an automated email message na ibigay ko name and contact # ko may kokontak daw sa akin. Up to now wala pa rin. In any case if walang reply pupuntahan ko yung branch, and if ayaw nila, sabi ng taga IC na tumawag ako sa kanila para tulong na maipa cancel yung policy. Update lang ako guys kung ano mangyayari. Basta wag na kayo papaloko sa caritas.
ReplyDeleteFeeling ko ganito din mangyayari sakin. Kahapon lang po ako, April 02, 2019, na victimized... TumawAg ako sa IC kung ano gagawin, sabi nila gawa daw ako ng Cancellation letter tapos send sa branch na kinuhaan ko tapos sa main office din daw po. Haay sana once na ma cancel nila yung plan, okay na sakin yun kahit di na mabalik yung pera fully, pero swerte pag buo talaga.. Basta ma stop lang ang plan, wala ka na problema sa next 4 years mo.
DeleteAte pingi nman po no. Nang IC please. Tulungan nyo nman po ako
DeleteAte pingi nman po no. Nang IC please. Tulungan nyo nman po ako
DeletePlease help me... Isa rin po ako sa victim ng caritas na yan, last November 2018..na grant naman po ang request ko na mapa cancel and get refund or chargeback sa credit card ko.. Nag email po sila sakin ng january 10 na cancel na po yung plan and I will get my full refund within 30 to 45 banking days.. Pero until now po katapusan ng march wala pa din pong refund na nangyayari.. More than 45 banking days na sinasabi nila.. Nag fofollow up naman po ako sa kanila thru call ang sabi lang po nila is for clearance pa.. My gudness sobrang tagal na.. Any suggestion po kung ano po dapat kong gawin... Thanks po
ReplyDeleteMam and sir, kahapon lang po ako victim April 2, 2019 kaso ATM po ang ginamit ko. Napabili nila ako ng Health card worth 34000 sa initial payment... Ano po ba ang safe na way parq ma cancel yun? Pwede ba takasan yung payment? Wag na bayaran? Nakuha kasi nila details ng ATM number ko tapos kinuhaan ng ID pina xerox nila yung ATM saka yung ID. Sa sobrang lito ko po kahapon napabili talaga ako... :( help po Sa Ermita Manila naman po to nangyari sa Times Plaza building.
ReplyDeletegawa po kau ng cancellation letter at e email nyu sa customerrelations@caritashealthshield.com.ph mag reply nman po costumer relation
DeleteAutomatic po b n ngccharge yan sa card q? Since 5 years nsa contract, pero initial payment q is for 1 year. Tnx po sa mkakasagot.
ReplyDeletePwd pa kya mcancel ung skin kht nung feb pa nswipe ung card q? Nrcve q n rin kc ung policy ang card pero never q nmn ngamit. I was also a victim of misrepresentation. Ngaun q lng nkita ung blog n to.
ReplyDeleteIsa din po ako sa na biktima ng caritas yesterday lng april 11, 2019 sa sm mabolo cebu..pls help me po how to cancel and get a refund...thank you po..sana may magreply..
ReplyDeleteHi christine. I 'm hazel from biliran. Also a victim of that. Same as well SM Cebu Mabolo din ako. Tulungan tayo panu ma terminate membership natin. I already email the main branch of caritas.
DeleteKnina lang ako naloko. Hanggang ngayon ang bigat-bigat ng loob ko. Message mo ko. Please kung anu na status mo.
DeleteKnina lang ako naloko. Hanggang ngayon ang bigat-bigat ng loob ko. Message mo ko. Please kung anu na status mo.
Deletederekta na lng po kau mag email sa costumer relation ng main office ng caritas,submit kau ng cancellatio letter po.isa din po ako sa na victim lastyear november 17 2018.at sa awa ni papa God na refund nman po buo ung nabawas sa debit card ko pero 4 months din ako nangungulit/follow up lage sa kanila sa tawag....God blessed po sa inyu at sana maibalik na rin sa inyu ung pera na pinaghirapan.
ReplyDeleteAnu po b email add nila sir?
Deleteplease contact me sa mga gusto rin mag refund at SM.Sta Rosa.. 09673968795, nakabili din po kz aq ng policy nila last May 11, 2018 at gusto ko na po i cancel ang membership, nag send na din aq ng cancellation letter s kanilang main branch pero walang feedback, kahit ung agent na nag assist sakin dati ayaw magreply sa concern ko... Help naman po kung paanu marerefund 27,605 for one year gamit ang debit card ko s pag swipe nila ng madalian.
ReplyDeleteI need help po! naging victim din girlfriend ko last june 12 2019 lng. She was forced to be a member. They told her that they will only check her credit card pero na swipe na pala nila and wihout telling mgmy girlfriend na may transaction na pala na nangyare. Nagulat na lng sya nung iabot na yung credit card na may kasama ng resibo. Ayaw pa nila ipakita yung resibo hanggat di daw pinipirmahan yung papel na di nman nila pinaliwanag sabi lng pirmahan mo yan para matapos na tayo. Hindi nya alam na naging member na sya ng caritas na yan ng wala sa loob nya. Please someone help us.... 09215308807 pa contact po ako. Sana matulungan nyo po kami.
ReplyDeleteSend lang po kayo nang letter sa Insurance Commision they are very helpful. I am one of the victim and ngaun nka pa cancel nako at nakuha ko narin yung refund mga 2 months din ako ng hintay.
DeleteHi everyone. I got my refund after 1month and a week na pangungulit sa Head Office nila. So this is what happened, same case sa iba na naswipe ung card due to sabi lang is ichecheck if iaapprove ng bangko. Pagkaswipe ng card ko, sinabi ko sa Manager na hindi pa naman ako mag aapply and so on. Pinagpipilitan nya na hindi na daw mababalik ang pera ko, etc. etc. So umalis na ko sa branch nila and kinabukasan is gumawa na ako ng action, tumawag ako sa Head Office nila, nagpatulong ako and sabi is pwede naman ipa cancel within 10days, basta makapagpasa ng letter thru email asap. So agad agad gumawa ako ng letter, (btw, I can send the format of my letter kung may manghihingi) and as per advice nung kausap ko sa Head Office, yung case ko will be under evaluation and for approval pa, after a week, tumawag ako ulit to follow up, same pa rin ung sinabi then the other week na tumawag ako, sabi is na-approve na daw ung request ko for cancellation. Tawag nalang daw ulit since ang processing ng cancellation nila is 30-45 days. After a week tumawag din ako ulit. Sabi nila nasa FINANCE DEPT na daw ung papers ko, for processing na ng refund. June 19 naipasa sa Finance Dept, July 05, nabalik naman ung pera.
ReplyDeleteTimeline ng case ko is
May 28 – naswipe ung card
May 29 – nagsend ako ng cancellation letter
June 19 – Forwarded na sa Finance Dept ung letter
July 05 – Nabalik na ung pera
Caritas Email: customerrelations@caritashealthshield.com.ph
Insurance Commission Email: publicassistance@insurance.gov.ph
Pag nagsend kayo ng email sakanila, kindly CC it to Insurance Commission for faster processing ng request nyo.
Customer Relations Caritas Hotline: 635-7142 to 40
Contact Person: Mark Largado
Si Mr. Mark Largado ung lagi kong nakakausap sa Head Office nila, iaassist ka naman niya ng maayos sa concern mo. Thankful din ako sakanya sa maayos na pagaassist sa akin.
May 29, nakausap ko ung agent ng Caritas na nagpa apply sakin nung plan, pinagpipilitan din nyang hindi na mababalik ung pera. Nakakasama lang ng loob na kahit alam naman nyang may way para macancel ung plan, pinagtaasan pa nya ako ng boses para lang ithreaten na hindi na pwede magpacancel, para lang sa Commission nila, nagagawa nilang mangloko ng tao.
Sana makatulong tong shinare ko. I’m willing to help to give some information kung may alam ako. Salamat and God Bless. Sana lahat tayo mabawi ang pera natin, please have some patience.
Hi! same case po tayo lahat ng nasa branch nila sinsasabi na kahit piso wala na po akong marerefund. So nanlambot ako kc pinaghirapan ng asawa ko yung 25k na sinwipe nila sa credit card ko. Before pa sila nagswipe sa credit card ko tiinanong ko pa sya kung if ever ayoko ng maghulog makakapagrefund ako, sabi nya yes mam anytime naman po kc investment din daw po. Ngayon nagka-idea ako sa blog na toh nagkaroon pa ako g pagasa na makapag refund.
DeleteMaam paano po kung sobra 10 days na po pwede pa po ba ma cancel ? Wala kopa po nagamit ang card ko . sabi kasi sa akin nung agent pag dating ng card and contract ko pa po pwede ma process ang cancellation . 3 months na po ngayon wala pa rin
Deletemay possibility po kaya na mabawi ko pa rin yung hinulog ko kahit 2yrs ko na sya hinuhulugan? yung pera na dapat na nagagamit ko para sa pambili ng gamot at pantulong sa pamilya, ihuhulog ko pa sa caritas. lalo na if gipit din sa budget ngayon at di regular ang woprk.. namomroblema na ako san kukuha ng pambabayad sa kanila. same din ang ginawa nila sakin tulad ng sinabi na icheck daw kung approve kyeme ng bank yung atm ko... thanks po.
ReplyDeleteHi po. Kindly contact their Head Office regarding your concern.
DeleteCustomer Relations Caritas Hotline: 635-7142 to 40
Contact Person: Mark Largado
Mr. Largado was the one who assist my refund, kindly coordinate with him Ma'am/Sir.
thanks po..
DeletePWEDE KO PABA ICANCEL UN PLAN KAHIT NARECEIVED KO NA UNG POLICY? AT CARD?
ReplyDeleteAsk po kayo ng help sa Insurance Commission kung anong magandang gawin dyan. Ang alam ko po kasi within 10 working days after you applied for the plan lang po pwede ipacancel e.
DeleteNa-scam din ako nito nung May 2019. Fortunately, naibalik sa akin today (August 4, 2019) ang binayad ko. Nagemail ako sa customercomplaints@caritashealthshield.com.ph at cc ko rin si publicassistance@insurance.gov.ph . Salamat sa mga blog na ito at sa mga comments na din. I emailed them once, may nagreply after a week siguro. They asked for my mobile number. And then after 3weeks, I emailed them again, kasi walang tumatawag. And then I received an email from public assistance, stating na pnoprocess na nila ang pagcancel sa plan ko. I replied and asked ano ang mext step. No reply. I was not able to call or update thru any hotline numbers dahil sira ang landline namin and I was very busy. I was even thinking na baka hindi na maibalik ung pera ko and that I just need to accept it and move on with my life. But, thank God, when I checked my online bank account today, I was so surprised to see na may nadebit sa account ko na 24k. I checked the exact price ng receipt na binayaran ko sa caritas, and it was same sa nadebit sa account ko. Sobra akong thankful sa blog na ito at sa lahat ng mga useful comments na nabasa ko dito. Don't lose hope guys. :)
ReplyDeleteAng dami dn palang nagrereklamo katulad ko. Gsto ko sanang marefund yung naswipe nila na 25k plus. Sabi kc nung agent Insurance and investment din sya kaya kapag ayaw ko ng ituloy anytime makakapafrefund ako. Then napanood ko yung balita sa 24oras na madaming nagrereklamo kaya gsto ko na dng magrefund. Then nagpunta ako sa Caritas branch nilas dito sa Pampanga, iisa lang sinasabi nila, "di ko na daw pweding irefund dahil 1 year na and kahit piso wala ng mababalik sakin".
ReplyDeleteHi. What if ayaw nila ibigay yung full refund? Sabi nila 5k lang ibibigay nila according sa contract. Since 2017 pa po ko nagbabayad.
ReplyDeletePaano po kung matagal ng nagbabayad then now ko lang po ipapacancel??
ReplyDeleteako po sabi skin ng agent after 5yrs moneyback daw,nka 5 yrs na ako after 10 yrs p daw nong tumawag ako s branch nila.cash on spot q binayaran ung plan ko.ano po b pwde kung gawin?
ReplyDeletesana po may makapansin at makatulong. gusto ko na rin po ipacancel ung contract ko sa kanila 2018 ko po yun nakuha naka3yrs na po akong naghuhulog pero never ko po nagamit ung heath card nila this year hindi ko po alam kung makakapaghulog pako. pede po yun? mairerefund pa po ba nila ung mga naihulog ko? thank you po sa sasagot
DeleteI am a OFW looking for Health Insurance they recommended this Caritas Health Shield. Thank you very much for all of you who shared their experiences Caritas has very poor reviews ratings is 3.1, im sorry for those who are having difficulty for their refunds, dishonesty of the company, and poor customer service offered to members. Typical FILIPINO scam, This tells me that corruption is not only within the politics but around the PHILIPPINES. The main problems lies in the company, the owner... administration should address the issue, involved internal affairs to investigate into all this withdrawals and cancellations of their policies. The system is broken, poor management and planning and implementation. Processing of the medical policy takes weeks and months for approval a little knowledge will help you not to get into a trap........First application, 2 reviews of the application and interview of potential member 4. Approval sign paperwork copy of the explained coverage policy 5.date of the starting coverage monthly- yearly premiun, automatic payment from ATM, installment, check or money order. During this time you have in your hand the approved policy and medical card, you also provided with the list of Doctors, hospitals,clinics etc, that is covered within your policy if u choose HMO-PPO -PPI.....Satellite offices of insurance companies is not the best place to apply they can easily close the office for numerous complaints and moved to another mall or offices, ask how long have they been on that building, check the office furnitures cheap ones they are ready to move out immediately, employees properly dress professionalism, credentials from security exchange comm how much the companies worth and what other financial resources to back up their health care, BBB membership of reputable insurance company and their license to sell. a little research will avoid anxiety and frustration.... goodluck to all. Thank you for all your input.
ReplyDeleteMaam can I contact you po need help po sana kung ano po ang unang gawin para mabalik ang pera . please po
ReplyDeleteMaawa po kayo maam . 100k po ang nkuha sa akin
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