All large HMOs are virtually the same in terms of Hospital and Doctor networks. Like Caritas, all have a listing of just about all significant medical facilities nationwide. That's nothing special.

With Caritas, we go beyond. How far beyond? Check out our added features:

Four-Way Insurance - You don't need another provider for Insurance

Payment for only 5 years - Unlike with other HMO, you do not have to pay yearly forever ! The benefits of using it is for more than 11 years!

Money Back guarantee even if you have availment - Yes! money back guarantee even with availment during the first 10 years. and more ... You have the option of withdrawing up to 70% of your payment on the 11th year or grow your Health Fund by 5 to 8% per annum and extend your health care benefits beyond 11 years.

Employers love another feature: its transferable !