HMO Karma | Caritas Health Shield

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...

Ano na ang nangyayari ngayon sa Caritas Health Shield? Kamakailan lang, napabalita na ulit ang Caritas Health Shield sa mga pahayagan at sila ay binigyan ng CEASE AND DESIST ORDER due to FRAUD ng Insurance Commission. Ano ang ibig sabihin ng Cease and Desist order? Ibig sabihin, pinatigil na ng Komisyun ang pagbenta ng mga produktoo magnegosyo ang Caritas Health Shield. Ito ay dahilan sa kanilang pangit na pamamalakad ng negosyo dati - sa unauthorized swiping ng mga credit card na nireklamo na natin dati sa blog na ito at sa pagbebenta na may kaakibat na misrepresentation or pagsisinungaling. Hindi ito ang unang pagkakataong napabalita ang Caritas Health Shield. Matatandaan natin na noong 2017, meron din silang show cause order. Kaya maganda na ipasara nalang ang Caritas Health Shield para mawala na itong mga nakakahiyang ginagawa nila. May mga itinalagang tagabantay sa kumpanyang ito upang masiguradong sinusunod nila ang alituntunin ng Insurance Commission. ...

In a blatant display of incompetence, Caritas Health Shield has resorted once again to spamming. While their text spam tactics are now underground, they now have resorted to spamming the web. I thought they were just about reporting my blog HMO Karma. Turns out, they have another tactic which I discovered today. What else are up your sleeves eh? Caritas Health Shield are spamming their reviews on Google Maps. Take a look at their review here: note: I didn't leave a review yet. They've got a much-coveted 4.9 star review out there right? Seems they've got high standards and all. However, if you click on the link marked 8 Google Reviews, you will find fake reviewers such as these: These are only 2 of the many suspicious fake accounts that reviewed Caritas Health Shield.  Why Google Reviews About Caritas Health Shield are Fake The profiles I presented above only have 2 reviews and both are about Caritas Health Shield! Strange coincidence. Th...

What happened to HMO Karma? To my more than 1,400 visitors for the past months I am sorry to inform you that our HMOKARMA.WORDPRESS.COM  is no longer in service. The personnel at Caritas Health Shield  has successfully reported and brought down our website. Being an old hag (and a relative newbie), I didn't have the patience to appeal and revive the blog. Still I hope I was able to help you. What I did was a case of " CAVEAT EMPTOR" to those who want to buy caritas health shield products . Let the buyers beware of what you are buying. Especially if it's healthcare. And especially if it is expensive. That short-lived blog had more than 40 inquiries and I would like to answer them here: Is Caritas Health Shield a Scam?  Yes there design looks scammy. But no. Caritas Health Shield is not a scam. Rather, the company has a problem with their marketing. Some of their agents do not follow a code of ethics. They will drag you from your place, fool you, sell ...

Apparently our blog was reported to WordPress by operators at Caritas Health Shield for exposing the truth. HMO Karma was taken down for a short amount of time on September 5 during the height of the controversy . In a desperate attempt to revive my blog, I searched for my backup in the bowels of the internet and found this: Caritas Health Shield is attempting to advertise online! Instead of trying to find my backup, I took this screenshot. This is laughable. A lame attempt at advertising. I forgot about my backup and thankfully this blog was revived. What's Wrong With Caritas' Advertisement? I am not an online marketing expert but let me share to you what's wrong with their advertising: Everything. Use of Keywords It is only when you search for "Caritas Health Shield" that the advertisement appears. They should have advertised for the word " Caritas Health Shield complaints " or " Caritas Health shield reviews " or...

A recent development about a financial trouble brewing in Caritas Health Shield arrived in my inbox last night. It reports that Caritas Health Shield has a deficiency of 7Billion in cash reserves. As you might know, I have reported this here but I didn't know the extent of their fund deficiency. I thought it was at only 1 or 2 billion. In simple terms, si Caritas Health Shield pabagsak po according sa report. This will be another version of the College Assurance Plan and Pacific Plans fiasco. Considering that Mr. Geoffrey Martinez and most of the executives of Caritas Health Shield are from Pacific Plans , hindi ito malabong mangyari. Some issues raised here are the following: Caritas Health Shield was Asked to Raise Fresh Capital Caritas Health Shield—reportedly the biggest health maintenance organization (HMO) and preneed firm “hybrid” in the Philippines—has been asked by the Insurance Commission to raise fresh capital amid allegations by former managers that th...

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 want to buy Caritas Health Shield HMO for your immediate family or relatives, think again. Buying with Caritas Health Shield might be the single biggest mistake you will make in your life. Payment is 5 years . With the many complaints Caritas receives, I don't think they offer a superb service. If they have a superb service, why do they have the most complaints online? (aside from MBLife and Cocolife) Customer service is so-so . Just ask the internet about the services by caritas health shield. Most of the "testimonials" are canned and if you see the youtube videos, you will realize that they really were not patients at all. most of the people they get for the "testimonial" work for the company. Here are real testimonials and reviews about the company . They are out to get you . They have very aggressive marketing tactics like spamming, telemarketing and promo. For spamming, they text numbers about "Caritas Health Shield's anniver...

The Enhanced Core 10 from Caritas Health Shield is a health care program from this HMO. As of this time it's the oldest product among it's lineup. What is included in the Enhanced Core 10? Hospitalization Check up 10 Years health care program Features of Enhanced Core 10 The Expanded CORE-10 is a Health Care Program specially designed for employees and maybe paid by the enrolling member through Salary Savings Scheme (Salary Deduction). With its affordable cost, it makes available to the work force, the most comprehensive Health Care program in the industry that includes, among others, the following benefits and features: Protects the company or employee from any premium increases through a 5-year pay plan with a level premium for 5 years. Double the Maximum Amount of Coverage per Year with a Maximum Daily Room Rate upon first installment for the employees' medical benefits. Guaranteed yearly increase in the Maximum Amount of Coverage per Year and M...

Check out the review about Caritas Health Shield here.

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I browsed some products early yesterday about health insurance and hmo. What I discover is that many HMOs and even health insurance companies have updated their products. I have absented from viewing HMO products since I have been ripped off and right now, I want to venture again because I have to protect my husband and 2 young boys. I looked at the various products on the field and happily, I was able to find one. It's a prepaid card. Since our family is fairly young, we did not opt for a high premium, high availment rate. We choose a health card that had more benefits on the dental, checkup and emergency side. And definitely, not the Caritas Health Shield Health Card . This brings me to Caritas Health Shield . Caritas Health Shield has a kiddie plan. Well and good. But the only thing that separates the kiddie plan is the age. The availment is almost the same that of the medical benefits for adults. Some lazy dude must have been doing their product design lately. And they...

Caritas Health Shield Max Plan 1 star - based on 300 reviews P60000 P1000000 95 E. Rodriguez Sr. Ave., Tatalon, Quezon City, NCR9000 (02) 711-2411 www.caritashealthshield.com.ph

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...

Kinakarma na ngayon ang Caritas Health Shield dahil sa mga kabalastugang ginawa nila. Tangina. Ito na nangyayari sa inyo, magdusa kayo! Pakyu kayo! Bumagsak na sana kayo. Wait! Pabagsak na nga kayo. Nung una nag-aattend ako ng training, sabi nyo may 8billion pesoses kayo sa mga partner banks nyo at sa investments nyo. After 2 years naging 7 billion nalang ang trust fund nyo at hindi pa iyon ang audited?  Ngayon magkano nalang? Pabagsak na nga kayo. Ang negosyo dapat palaki ang trust fund. Mabuti nga at show cause order lang ang ginawa sa inyo ng insurance commission at hindi kayo tinuluyang isara. Ang bait pa ni commisioner funa. Ang 7 billion nyo parang kulang nga yan. Sabi nyo may 600,000 kayong planholder. Ang 600,000 na planholder may 10 years sila para gamitin ang kanilang health plan. Ibig sabihin, ang 600,000planholders nyo ay meron lang 11,600 pesoses na budget  sa sampung taon! Tig 1000 lang pala ang budget nila kada taon. Kaya pala maraming pasyente ang nadedeny ang LOA (let...

For over 22 years now, Caritas Health Shield has been in the business of managing the health needs of not only Filipino families, but the officers and staff of various industries as well. It has the widest reach, having established its presence in 87 urban centers nationwide with over 600,000 members. It has been meaningfully contributing to the national health concern in nation building. This has been the touchstone of our corporate commitment and existence. In recent days however, there has been a well-orchestrated campaign perpetrated by unscrupulous quarters to discredit and smear our company . Caritas Health Shield does not condone, much less ignore any fraudulent act committed by any individual in its organization. Guidelines with sanctions are in place. Further, all complaints are promptly acted upon and erring personnel are dealt with accordingly. Some have been terminated. Our company has its own share of erring agents. But every effort is exerted to address the matter ...

Sinilbihan ng show cause order ang Caritas Health Shield ni Commissioner Dennis Funa ng Insurance Commission. Ito'y umano dahil sa mahigit isang daang reklamo mula sa mga planholder na diumanoy nagswipe ng kanilang mga credit at debit cards ng walang pahintulot. Inaasahang sasagutin ng Caritas Health Shield ang mga paratang na ito upang malinis ang kanilang pangalan. Ito ang link ng show cause order:  Show Cause Order Issued to Caritas Health Shield Sa Katotohanan Lang Totoo nga bang malinis ang pangalan ng Caritas Health Shield? Hindi ba nila pinahintulutan ang ganitong uri ng pagbebenta ng kanilang mga produkto? Sa aking pagsasaliksik, matagal na nila itong ginagawa. Ang Modus Operandi ng Caritas Health Shield Dati telemarketing ang estilo nila. Tinatawagan muna ang kanilang target at pinapapunta sa kanilang opisina. Dati, ang pagbebenta ay ginaganap sa Palanca St., Makati City. Kaya kung makikita niyo ang halos na mga reklamo online, sa Palanca ginaganap ang kanilang modus. Sa k...

HMO in the Philippines HMO or Health Maintenance Organization is an arrangement of plans and offers that furnish clients with a wide assortment of social insurance alternatives and administrations alongside a system of doctor's facilities and specialists and different suppliers who supply medications and related administrations to its individuals.  This arrangement offers preventive wellbeing administrations when contrasted with different plans. Despite the fact that there are a wide range of alternatives, these plans normally enable clients to get a scope of administrations at diminished and sparing costs. These designs are generally for the individuals who wish to profit preventive administrations, for example, vaccinations and examination inclusions alongside low premiums. These designs are typically secured by Filipinos with the expectation of complimentary when they are utilized. Clients should take note of that, in the Philippines, not at all like the United States o...

Una sa lahat, ginawa ko po itong website kasi naloko po ako. May isang kumpanya na malaki na mahirap kalabanin. Sa susunod na mga kabanata ilalagay ko po dito. Naloko po ako ng pera. Konti lang naman po yun pero yan ay pinaghirapan ng todo. Pinagpawisan ko po iyon. Dito po ako sa Laguna nakadestino. Naglalakad po ako sa isang mall then all of a sudden, nung nandun ako malapit sa isang kainan, nilapitan ako. At dun na nagsimula ang impyerno ko. Tumatawag ako sa ahente pero di na sumasagot. Puntahan ko nalang sya bukas baka sakali. Kung hindi man, ipagpapatuloy ko nalang ito na blog. Baka sakaling pansinin.