Health insurance coverage is the best thing that the Social Security Service in the Philippines provides for its members. The organization provides financial assistance for several medical conditions including maternity benefits, chronic illnesses such as arthritis, hypertension, diabetes, and cancer, certain disability benefits, and death benefits.
Here in this article, we will look at the list of illnesses covered by SSS so you can have an idea about what illnesses you can claim for the benefits from the organization as a member. Let us without wasting any more time start with the guide below.
The guide covers the list of illnesses covered by SSS so you can have a clear understanding of what sickness will be covered by SSS and what not. Let’s look at the clear details of the illnesses for which SSS provides benefits.
What Are The Illnesses Covered By SSS?
The sickness covered in SSS sickness benefits includes,
- Chronic illnesses
- Maternity benefits
- Disability benefits
- Death benefits
Chronic Illnesses
Particular long-term illnesses are covered by SSS. These long-term illnesses include diabetes, cancer, arthritis, and hypertension.
In case any member is suffering from any of these four diseases, he can apply for a pension amount that will be given to them based on medical conditions, and other relevant factors. Keep in mind the payment you will receive can provide you assistance to pay for medication costs, doctor visits, and certain other medical expenses.
Maternity Benefits
Those women who are registered Social Security System members and are expecting can get maternity benefits if they fulfill the eligibility requirement. You need to make sure that you are employed at least three months before conceiving.
You also have to make sure that you are enrolled either in HMO plans or PhilHealth. The maternity benefits you will get from the organization can help you ease your financial burden which includes prenatal care, delivery expenses, and postpartum care.
Death Benefits
Those who are members of the Social Security System in the Philippines in case they die due to certain injuries or illnesses, get benefits from the organization. These death benefits help the member’s loved ones pay for the cost of a funeral and other expenses related to passing.
You need to make sure to understand the requirements so that you can file applications easily. Keep in mind the amount of the death benefits is dependent upon several factors, including the family members of the deceased and the length of the member’s employment.
Disability Benefits
These are other types of benefits that you can apply for from an SSS organization if you are a member there. This disability allowance amount is calculated based on the monthly salary that you were receiving before the disability occurred.
What are the illnesses covered by SSS sickness benefits?
The SSS sickness benefit covers long-term illnesses. Illnesses like hypertension, diabetes, cancer, and arthritis are some of the illnesses that SSS provides financial assistance for. In case you have been diagnosed with any of these conditions, you are eligible for receiving regular payments based on multiple factors and medical conditions’ severity.
What is covered by SSS?
There are several benefits that SSS covers. Some of them include funeral death, maternity leave, sickness, involuntary separation, unemployment benefits, permanent disability benefits, and retirement benefits.
How many days in a year can a member be granted sickness benefits?
An eligible member can get sickness benefits for a maximum of 120 days in one year. Keep in mind the unused portion is neither forwarded nor added in the following year.
What are the requirements that an individual has to fulfill to get an SSS sickness benefit allowance?
An individual should be unable to work due to injury or sickness. He should be confined either at home or in hospital for a minimum of four days and should have paid contributions within the last 12-month period before the sickness semester begins. Moreover, an applicant should notify SSS directly to get the sickness benefit.
What documents are essential to submit a sickness benefit application?
The documents that you need to submit to get sickness benefits include a driver’s license, application form, passport, valid ID cards, postal ID cards, government-issued secondary ID cards or documents, National Bureau of Investigation Clearance, and medical documents. The medical documents that will usually be submitted when applying for sickness benefits include three documents: x-ray reports, ECG, and diagnostic results.
You should have an idea about the list of illnesses covered by SSS and other relevant information to get healthcare assistance from the organization. It is necessary to have a clear understanding of the illnesses that SSS covers and does not cover. This helps in making, planning, and budgeting accordingly.
After understanding the importance of learning about the list of illnesses covered by SSS, the above article has been written to give you complete guidance. You need to make sure to understand each and everything mentioned above so that you can have an idea about what illnesses you will benefit from the SSS and what not. Ensure not to miss anything important to get complete awareness about the list.