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: 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. A lady came over, a clearbook in hand. She explained to me ab...
If you intend to buy Caritas Health Shield products, think again. I have compiled several Caritas Health Shield reviews for 2020 for the benefit of those who would like to research HMOs before they take their leap to buy a health card. This was the first thing I searched for when I looked for an angle to this story. And boy what I did found! I was thinking of abandoning this review because there are a lot of juicy materials already and I don't want to further add to the discussion. FAKE REVIEWS about Caritas Health Shield There are already a lot of reviews about Caritas Health Shield. What I did is to consolidate them since some of these reviews have been reported and flagged as spam by the outsourced personnel of caritas health shield. Such as the blog of mumbles (dianagolez.wordpress.com). I hope this blog will not suffer the same fate as her blog. Reviews from the blog Most of my writings personal observations only and I am not an authority in th...
Why is it that Caritas Health Shield scrapped their best selling products? Why did Expanded Gold disappear? How about Expanded Premier and Expanded Prime Plus? Why were they replaced by inferior products? Caritas Health Shield's Expanded Gold product was one of the best in the industry. But why the hell is it not their anymore? The simple answer is because: Caritas Health Shield cannot sustain the products. The product they had was expensive for their operations and it will really bankrupt them in the long run. They spent their trust funds on lost investments. They purchase real estate that did not give them decent returns. They even have a building that only caritas health shield occupies. They are going the way of CAP. Remember College Assurance Plan? CAP purchased several real estates, built several buildings and generally wasted their money. In the end, they were dissolved. Caritas is going that way also if they won't change their products. Before they had the following pro...
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