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00:00.0
So ang budget po natin for insurance, ang tinitignan natin dito, dapat ay nasa 5% lang ng monthly income natin yung ating maximum budget for that.
00:10.6
At kung magsosobra tayo dyan, you have to make sure na makapagtabi ka muna for your savings and investments
00:18.6
at sapat yung para sa expenses mo bago ka magtaas ng budget para sa iyong insurance.
00:24.2
At i-cover na dyan dapat lahat yun, yung health, life, property, and other kinds of insurances kung kailangan mo.
00:32.6
And sign na nag-overspend ka on insurance kapag greater than 5% of your income ang ginagastos mo dito.
00:41.2
So most of the time, nangyayari yan kapag ang binili nating insurance may kasamang investment, yung tinatawag na variable universal life.
00:49.6
Kaya iwasan natin yun.
00:52.4
So ano ba yung best uses of insurance?
00:55.8
So ang insurance talaga, most appropriate yan for uncertain and expensive losses.
01:03.2
Katulad ng kunwari kapag tayo ay namatayan o magkakasakit.
01:09.4
Usually diba sir Ed, ang pagkakasakit ang ano dito, ang mataas ang gastos.
01:14.8
Yung iba nga nagsasabi parang sana namatay na lang kasi nung nagpag na-hospital mas mahal pa maraming hospital bills.
01:25.8
Tama sir Vince. In fact, may mga kasamahan din tayo sa Pilipinas na nagiging poor because of it.
01:33.6
Ang tawag natin dyan sir Vince, transient poverty.
01:37.2
Ibig sabihin kung hindi sana sila nagkakasakit ay hindi sila mahirap.
01:42.2
Pero dahil pagkakasakit, sila ay naghihirap.
01:46.2
Aw, kawawa naman.
01:48.8
So yun, ang insurance ba ay investment?
01:52.2
Siyempre, alam nyo na yung sagot dyan.
01:58.0
So hindi investment ang insurance.
02:02.6
So ang insurance po ay for protection at ito po ay hindi investments.
02:09.8
So magbibigay tayo ngayon ng sample na insurance benefit natin para sa mga empleyado.
02:16.8
So ito ay actual na meron tayo, hindi na lang natin babanggitin kung anong insurance company
02:21.8
pero ito po ay in-offer natin sa mga SEDP employees.
02:26.8
So meron pong basic life insurance coverage na P1M ang mga empleyado sa SEDP.
02:33.8
Usually ito yung amount na binibigay ng mga employers or corporation.
02:40.8
Tapos kapag nagkaroon ng accidental death, dismemberment and disablement, additional na P1M.
02:48.8
So kapag namatay ka dahil sa aksidente o kaya nagkaroon ka ng accidental dismemberment or disablement
02:57.8
o yung dismemberment, naputol yung kamay, nabulag, may makukuha na partial.
03:04.8
Kapag total na disability ka na, disabled ka na by accident, you get P1M.
03:10.8
So total and permanent disability na due to disease naman ito.
03:15.8
Kasi yung kanina ay accidental, ito naman ay due to disease.
03:19.8
So P1M ulit yung coverage niyan.
03:22.8
So kumare, kapag ikaw ay nagkaroon ng sakit tapos naging permanently disabled ka na,
03:33.8
the employee will get P1M.
03:38.8
Tapos meron din tayong accidental medical reimbursement na P100,000.
03:44.8
Hospital income benefit na P1,000 per day.
03:49.8
Actually ito na nakita ko lang siya ngayon.
03:52.8
Pinapatanggal ko siya kasi hindi siya sulit.
03:56.8
Hindi ako believer actually ng hospital income benefit kaya sinanong ko,
04:00.8
kailan ang renewal nito? Tanggalin yan.
04:03.8
So makikita niyo mamaya kung bakit.
04:05.8
So this is P1,000 per day.
04:09.8
And then terminal illness benefit na P500,000.
04:14.8
Merong mabibigay.
04:16.8
And then may family assistance benefit na P100,000.
04:20.8
Yung family assistance benefit, ito yung assistance, ito yung ibibigay sa family members
04:27.8
kapag may na-incur expenses in relation sa pagkamatay ng empleyado namin
04:36.8
o kaya meron siyang naiwang utang o pwede niyang gamitin yung P100,000 na yan.
04:43.8
Tapos meron ding conversion privilege.
04:46.8
Yung conversion privilege, ito yung kapag nag-resign yung empleyado namin
04:53.8
o pwede niyang ipagpatuloy on his or her own yung insurance coverage na yan kung gugustuhin niya.
05:00.8
So susulat lang siya dun sa insurance company namin at tutulungan namin siya kung gusto niya.
05:05.8
At siya na yung magpapatuloy na magbayad.
05:09.8
Anong sa tingin mo naman dyan Sir Ed?
05:12.8
I think maganda naman talaga itong mga ganitong benefits para sa mga empleyado.
05:17.8
In fact, ang ating ini-encourage talaga ay may ownership ang mga empleyado sa kanilang benefits
05:24.8
pero at the same time talagang dapat ini-input ng ating employer kung ano yung makakatulong sa ating empleyado.
05:32.8
So ito yung premium na binabayaran per person doon sa basic life na may coverage na P1M.
05:43.8
P1,360 lang per person ang binabayaran dyan.
05:48.8
Actually pwede nang tumigil dyan na basic life na lang.
05:52.8
Tapos yung accidental death, dismemberment and disabled melt, additional P1M yan.
05:58.8
Additional na P550 na premium.
06:04.8
Sa total and permanent disability benefit, P1M ulit ang coverage nyan.
06:09.8
That's an additional of P330.
06:12.8
Accidental medical reimbursement, P100,000, P550.
06:17.8
This is per year ha, hindi yan per month. Per year yan binabayaran.
06:21.8
Ang hospital income benefit, P1,000 per day lang.
06:24.8
Tapos P1,440, halos yung basic life.
06:29.8
Kaya sabi ko ay bronggalin yan. Hindi talaga ako believer ng hospital income benefit.
06:35.8
Terminal illness benefit, P500,000. Free na nila na binibigay.
06:40.8
Tapos yung family assistance benefit ay free na rin na binibigay doon sa package na binigay sa atin.
06:46.8
So ang total ay P4,240.
06:51.8
So magiging P2,800 lang sa totoo lang yan kung matatanggal yung P1,440 na hospital income benefit.
07:02.8
So mas magiging affordable.
07:07.8
Anong reaction mo dyan Sir Ed?
07:10.8
Ay naku, napakaganda nga yan pala talaga.
07:13.8
Kasi binibigyan natin yung plansa na mas magkaroon ng productive halaga yung ating pera.
07:20.8
Pagkatapos natin yun, yung laki pa rin ang benefit na may iwan pero mas affordable mo.
07:26.8
Yes. At tsaka ang lagi nating tatandaan, insurance talaga kasi hindi ito mahal eh.
07:34.8
Dapat talaga ito ay murang-mura lamang.
07:38.8
At makikita nyo naman dito, napakamura niya.
07:42.8
Handa ka na bang lumevel up sa savings mo?
07:45.8
Find the SEDPICA Social Community and get started to be a social investor today!
07:50.8
Step 1. Umatend ng Self-Paced Online Pre-Membership Education Seminar.
07:55.8
Mag-sign up sa bit.ly slash sedpicooppmes now na!
08:00.8
Step 2. I-deposit ang iyong initial share capital, membership fee, at joint venture savings sa Gcash,
08:07.8
BDO Online Banking, BPI Online Banking, Maya, EasyPay, or Direct Bank Deposit.
08:13.8
Daming options, diba?
08:15.8
Sundi ng simple instructions sa bit.ly slash sedpipay para makapagsimula.
08:20.8
Step 3. Mag-login sa iyong SEDP SRI online account at ipaalam ang inyong deposit.
08:27.8
Go to bit.ly slash sedpionlinesri at kami na ang bahala sa iyo.
08:33.8
Ano pang inihintay mo? Sali na sa SEDPICA Social ngayon and let's start building a brighter financial future together!
