Got Free Insurance!

So, the hubby and I finally received our insurance certificate courtesy of the Provident Fund in our office. It’s just a personal accident policy, but we’re still thankful because we got it for free. It’s only good for a year but we heard it’s going to be renewed regularly as one of the perks of our membership.

Untitled
I already asked them to change my last name to reflect my married name!

I don’t know how much they paid for it, though. As I understood, it’s a group plan and boasts of the following benefits:


Accidental death and disablement, P150,000
Permanent total disability, P150,000
Unprovoked murder or assault, P150,000
Accident medical reimbursement, P15,000
Accident burial benefit, P15,000

It’s just a small coverage but it’s still something, right? The hubby and I hope and pray we won’t have to use it, though. Just knowing we have one is enough for us. Haha.

Having both term insurance and health insurance is part of our long-term plan. (We only depend on PhilHealth at present.) But we haven’t gotten around to getting them yet. I’m still undecided where to get term insurance. I have to research a lot first before buying. As for health insurance, right now I’m 70% sure of availing PhilCare’s ER vantage point prepaid card instead of getting a health policy. You might ask, why a one-time use card instead of the regular heath card? Different strokes for different folks, I guess. (Plus, I was pretty satisfied with PhilCare’s women’s health card I used last September so why not choose PhilCare again?)

How about you, do you also have a life insurance and if yes, from which company is it? :)

May you choose happiness always,
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10 Responses to Got Free Insurance!

  1. I never really thought of insurances and the likes until I had a baby! Oh my! Motherhood would really change you. I got Skye insurance and I’m looking for my personal insurance also. Kelangan sure ang future.

    • lifein says:

      Smart mom! I cannot overemphasized the importance of a secure future. Hopefully, makahanap rin kami ni hubby ng life insurance na swak sa budget namin soon. Research-research muna ko. :)

  2. jErELLt says:

    My husband and I both got one this year. It was one of our 2014 goals, so yey! I also have a life insurance which my company pays for, pero kasi, kapag nag-resign ako, waley na. That’s why having your own life insurance is a brilliant idea. Ang ginawa pa namin ni hubby, magkaibang life insurance provider ang kinuha namin, just in case malugi ‘yung isa, may backup pa. Haha! :p

    • lifein says:

      Okay yang strategy nyo sis ah, magkaibang provider. Makes me think tuloy if ganun na rin gagawin ko for us. Better protection yun. Haha. :)

  3. Jhanis says:

    We also have insurance from the company too but from a different provider. Thankful for it because it pays to have something that can help my family should something happen to me. God forbid though.

  4. Having insurance like that really pays off just in case something happens.

  5. Diane says:

    May burial benefit! Something I don’t often encounter. And I agree, this is something we need and I think kung afford ng lahat.. everyone would like to purchase… but not to use. How ironic! Pero for me ang tawag ko dito ay price of having peace of mind din ;)

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