HMO Karma | Caritas Health Shield

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...