Hospital Stocks: What is it, its benefits, and how to invest in hospital stocks

Summary

The video discusses the benefits of becoming a stockholder in a hospital, explaining how purchasing shares offers long-term healthcare advantages, including discounts on professional fees, free private rooms, and coverage for family members. The speaker highlights that stockholders enjoy inflation-protected benefits, such as 50% off medical fees, and free dental checkups. Additionally, the stockholder's family members, including parents, are also covered. The video emphasizes that this is an effective and cost-efficient way to ensure healthcare over the long term, especially in contrast to traditional health insurance and HMOs.

Takeaways

• 😀 Hospital stockholders receive a 50% discount on professional fees, which helps reduce medical costs over the long term.
• 😀 Stockholders enjoy free private room accommodations, including access to suites in some cases.
• 😀 Family members, including spouses, children, and biological parents, are covered under the stockholder's benefits.
• 😀 Hospital stock ownership is a long-term healthcare solution, providing ongoing medical benefits even as you age.
• 😀 These benefits are inflation-protected, meaning stockholders continue to receive discounts even as medical costs increase.
• 😀 Hospital stockholders can also access discounts on medical procedures, including dental care.
• 😀 Being a hospital stockholder is a cost-effective alternative to traditional health insurance, especially for long-term care.
• 😀 Hospital stocks are an investment that may offer dividends, depending on the hospital's profitability, though this is not guaranteed.
• 😀 Purchasing hospital stocks can complement existing health insurance or HMO plans, as it provides additional coverage.
• 😀 Stocks are available to anyone, but purchasing requires finding a seller, often through connections with doctors or the hospital’s finance/admin department.
• 😀 The price of hospital stocks varies, with older hospitals charging higher prices for shares. For example, stocks in a hospital in Las Piñas cost about Php 350,000 today.

Q & A

What are the benefits of being a stockholder in a hospital?

The benefits include 50% discounts on professional fees, free room accommodation (including up to a suite), coverage for family members (spouse, children, and parents), free annual dental checkups, and potential dividends subject to the hospital's profitability.

How does being a hospital stockholder help with long-term healthcare?

As a stockholder, you are entitled to long-term benefits like consistent discounts on medical services and free accommodation, which can help manage healthcare costs for many years, especially as inflation increases medical expenses.

Can anyone buy hospital stock?

Yes, anyone can buy hospital stock, but it is not open to everyone. Hospital shares are limited, and you must find someone willing to sell their shares or buy from the hospital’s finance or admin department.

How are hospital stocks priced?

The price of hospital stocks can vary depending on the hospital's age and location. For example, older hospitals tend to have higher share prices, ranging from PHP 100,000 to PHP 250,000.

Is buying hospital stock similar to investing in the stock market?

While hospital stock involves purchasing shares in a hospital, it is different from regular stock market investments. Hospital stock provides benefits like healthcare discounts and coverage, whereas stock market investments are primarily aimed at financial returns.

What is the advantage of buying a hospital stock over traditional health insurance?

Hospital stocks provide long-term healthcare benefits that are inflation-protected, unlike traditional health insurance, which may have age limits or does not adjust to inflation. Hospital stockholders also receive additional benefits like free dental care and room accommodations.

What happens to the hospital stock benefits when you reach retirement age or beyond?

Hospital stock benefits remain valid even after reaching retirement age, unlike traditional health insurance, which often has age limits. This makes it a reliable long-term healthcare solution.

Can hospital stockholders receive dividends?

Yes, hospital stockholders can receive dividends, but these are not guaranteed. Dividends depend on the hospital’s profitability and the decision of the board of directors.

Why might doctors or other stockholders sell their shares in a hospital?

Doctors or stockholders may sell their shares if they no longer need the hospital benefits or if they want to focus on other ventures, such as personal clinics. They may also sell shares if they prefer a hospital closer to their location.

How does the purchase of hospital stock compare to health insurance (HMO)?

Hospital stock can complement health insurance by providing additional benefits for the stockholder and their family, covering long-term healthcare costs. Unlike HMOs, which may have age limits and restrictions, hospital stocks offer lifetime benefits and coverage for a broader range of family members.