basic riders (2)

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S… Speaker 1 (basic riders (2))

Hello everyone!

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S… Speaker 1 (basic riders (2))

Today we will talk about all basic riders.

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S… Speaker 1 (basic riders (2))

Ibig sabihin ng rider,

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S… Speaker 1 (basic riders (2))

ito yung mga different types of coverage na pwede natin

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S… Speaker 1 (basic riders (2))

i -attach sa insurance policy natin kasi hindi

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S… Speaker 1 (basic riders (2))

lahat ng mga coverages kailangan ilagay.

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S… Speaker 1 (basic riders (2))

So we will learn more about ano yung mga different coverages

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S… Speaker 1 (basic riders (2))

na pwede ilagay because savings and protection

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S… Speaker 1 (basic riders (2))

Ito yung mga different types of riders that we have.

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S… Speaker 1 (basic riders (2))

Para lang din mabilis natin maalala,

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S… Speaker 1 (basic riders (2))

meron tayong demonic device na tinatawag na D -Watch.

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S… Speaker 1 (basic riders (2))

D stands for disability.

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S… Speaker 1 (basic riders (2))

W for waiver.

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A is for accident.

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S… Speaker 1 (basic riders (2))

T is for term.

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S… Speaker 1 (basic riders (2))

C,

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S… Speaker 1 (basic riders (2))

critical illness.

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S… Speaker 1 (basic riders (2))

And H naman,

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hospitalization.

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S… Speaker 1 (basic riders (2))

So yan, mas malihinawan kayo later on.

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S… Speaker 1 (basic riders (2))

Ano yung mga ibig sabihin yan?

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S… Speaker 1 (basic riders (2))

So, when we talk about disability riders,

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S… Speaker 1 (basic riders (2))

so ito yung ibig sabihin niya,

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S… Speaker 1 (basic riders (2))

total and permanent disability,

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S… Speaker 1 (basic riders (2))

so nakasulat dito na up to age 70 years old yung coverage

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S… Speaker 1 (basic riders (2))

na yan.

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S… Speaker 1 (basic riders (2))

So, it's a benefit that pays a lump sum cash benefit if

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S… Speaker 1 (basic riders (2))

the insured becomes totally and permanently disabled due to bodily

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S… Speaker 1 (basic riders (2))

injury or disease.

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S… Speaker 2 (basic riders (2))

So,

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S… Speaker 1 (basic riders (2))

pag sinasabi,

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S… Speaker 1 (basic riders (2))

kinikwento ko sa client,

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S… Speaker 1 (basic riders (2))

So, ang ibig sabihin ng client,

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S… Speaker 1 (basic riders (2))

itong coverage na ito,

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makukuha natin,

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S… Speaker 1 (basic riders (2))

if continuous of 6 months,

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S… Speaker 1 (basic riders (2))

we won't be able to go back to work because of illness or accident.

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S… Speaker 1 (basic riders (2))

Ito din,

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meron din tayo talaga,

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activities of daily living,

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anim, feeding,

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mobility,

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transferring,

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continence,

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bathing, dressing.

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S… Speaker 2 (basic riders (2))

So,

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S… Speaker 1 (basic riders (2))

kung tatlo sa anim na yan,

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hindi na natin magagawa.

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then it will be considered disabled as well.

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S… Speaker 1 (basic riders (2))

Okay?

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S… Speaker 1 (basic riders (2))

Ayan.

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S… Speaker 2 (basic riders (2))

So,

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S… Speaker 1 (basic riders (2))

ngayon, meron tayong two types of disability riders na tinatawag.

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S… Speaker 1 (basic riders (2))

So, meron tayong accelerated total and permanent disability,

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S… Speaker 1 (basic riders (2))

meaning kapag accelerated,

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S… Speaker 1 (basic riders (2))

pukunin siya from the sum assured.

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S… Speaker 2 (basic riders (2))

So,

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S… Speaker 1 (basic riders (2))

i -accelerate yung claim from the sum assured para

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S… Speaker 1 (basic riders (2))

pag nakuha natin siya,

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mababawasan yung sum assured.

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S… Speaker 1 (basic riders (2))

Yan.

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Pag tinatawag naman non -accelerated,

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meaning hindi gagalawin yung sum -assured.

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S… Speaker 1 (basic riders (2))

Pag na -claim ito,

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the sum -assured stays intact.

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S… Speaker 2 (basic riders (2))

Yan.

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S… Speaker 1 (basic riders (2))

So, disability riders benefit is a lump sum cash benefit

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S… Speaker 1 (basic riders (2))

if the insured becomes total impairment disabled due to body injury or disease.

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S… Speaker 1 (basic riders (2))

So, what is total and permanent disability?

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S… Speaker 1 (basic riders (2))

So,

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if the life insured is working at the time of disablement,

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S… Speaker 1 (basic riders (2))

disability is considered total and permanent if

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the life insured is prevented from engaging in any occupation

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or performing any work for compensation.

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S… Speaker 1 (basic riders (2))

Yan, so hindi na tayo makabalik sa work because of sickness

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S… Speaker 1 (basic riders (2))

or accident.

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S… Speaker 2 (basic riders (2))

Yan,

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S… Speaker 1 (basic riders (2))

tapos dapat daw continuously for 6 months

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S… Speaker 1 (basic riders (2))

na consecutive of 6 months na nangyayari ito.

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S… Speaker 1 (basic riders (2))

So, kung narin 3 months lang na disabled,

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S… Speaker 1 (basic riders (2))

hindi pa siya makakapag -claim.

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S… Speaker 2 (basic riders (2))

Okay,

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S… Speaker 1 (basic riders (2))

so dapat tuloy -tuloy na 6 months.

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S… Speaker 1 (basic riders (2))

And then,

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S… Speaker 1 (basic riders (2))

ito nga yung ibig ko sabihin,

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S… Speaker 1 (basic riders (2))

pag accelerated total impairment disability,

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S… Speaker 1 (basic riders (2))

it forms part of the sum assured.

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S… Speaker 2 (basic riders (2))

So,

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pag na -claim siya,

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mababawasan yung sum assured.

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S… Speaker 2 (basic riders (2))

So,

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issue age na ito,

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5 years old to 65 and then the benefit will expire

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at 70 years old.

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S… Speaker 3 (basic riders (2))

Minimum,

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ito kasi tinatawag natin core benefit.

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S… Speaker 1 (basic riders (2))

Ibig sabihin,

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S… Speaker 1 (basic riders (2))

pag core benefit,

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hindi pwedeng i -remove.

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S… Speaker 1 (basic riders (2))

Okay, so minimum 60 ,000 for mga regular plans natin.

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S… Speaker 1 (basic riders (2))

Actually, 100 ,000 na inakit na pala recently.

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S… Speaker 1 (basic riders (2))

Ayan,

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then 180 for mga elite plans.

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S… Speaker 1 (basic riders (2))

Maximum sum assured,

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S… Speaker 1 (basic riders (2))

100%.

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S… Speaker 2 (basic riders (2))

So,

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S… Speaker 1 (basic riders (2))

kunwari SA mo,

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S… Speaker 1 (basic riders (2))

sum assured mo nasa 1 million.

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S… Speaker 1 (basic riders (2))

Okay,

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S… Speaker 1 (basic riders (2))

maximum that you can put for accelerated total

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permanent disability is also 1 million.

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S… Speaker 2 (basic riders (2))

Okay?

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S… Speaker 2 (basic riders (2))

Yan.

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S… Speaker 1 (basic riders (2))

So, just to give you an illustration.

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S… Speaker 2 (basic riders (2))

So,

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kunari, meron ka,

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sum assured mo,

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S… Speaker 1 (basic riders (2))

1 million.

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Total impairment disability or TPD is at

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S… Speaker 1 (basic riders (2))

500 ,000.

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S… Speaker 2 (basic riders (2))

So,

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S… Speaker 1 (basic riders (2))

if maklaim,

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maklaim mo yung 500 ,000,

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S… Speaker 1 (basic riders (2))

your sum assured will now be 500 ,000

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S… Speaker 1 (basic riders (2))

na lang.

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Kasi nga,

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ano siya,

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in advance mo.

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Yung pagklaim noon.

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S… Speaker 1 (basic riders (2))

Yan.

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S… Speaker 1 (basic riders (2))

So, paano kung same sila ng amount?

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S… Speaker 1 (basic riders (2))

So, 1 million si Sam Assured,

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S… Speaker 1 (basic riders (2))

1 million din si TPD.

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S… Speaker 2 (basic riders (2))

Okay.

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S… Speaker 1 (basic riders (2))

So, pag na -claim yung TPD ng 1 million,

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S… Speaker 1 (basic riders (2))

wala na rin yung Sam Assured.

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S… Speaker 1 (basic riders (2))

Policy will now be terminated kasi wala ng Sam Assured.

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S… Speaker 2 (basic riders (2))

So,

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S… Speaker 1 (basic riders (2))

kaya...

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S… Speaker 1 (basic riders (2))

din, better if we design the plan,

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S… Speaker 1 (basic riders (2))

mas mataas si some assured amount than the TPD.

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S… Speaker 1 (basic riders (2))

Para if ever man maklaim yung TPD,

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S… Speaker 1 (basic riders (2))

meron pa rin,

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in force pa rin yung policy.

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S… Speaker 1 (basic riders (2))

May matitira pa rin kasi sa sum assured.

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S… Speaker 1 (basic riders (2))

Kasi di ba may other coverages pa naman eh?

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S… Speaker 1 (basic riders (2))

Paano kung na -accident pa si client or na -hospital?

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S… Speaker 1 (basic riders (2))

At least,

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S… Speaker 1 (basic riders (2))

magagamit pa rin yung other coverages niya.

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S… Speaker 2 (basic riders (2))

Okay?

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S… Speaker 4 (basic riders (2))

Ayan.

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S… Speaker 1 (basic riders (2))

So, ito just to give you an example ng real claim

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S… Speaker 1 (basic riders (2))

story natin sa branch.

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S… Speaker 2 (basic riders (2))

So,

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si UMMJ,

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Nagkaroon siya ng benefit claim for total permanent disability for her

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client na nagkaroon ng nasoparyngeal cancer

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stage 3B.

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Kasi matagal nang hindi nakakabalik sa trabaho.

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Nakapag -claim ng 1 million plus.

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33 years old lang ito.

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Akalain natin pang matanda lang ang pagkakasakit.

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Hindi.

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S… Speaker 1 (basic riders (2))

Ano maganda dito?

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S… Speaker 1 (basic riders (2))

Diba 24 ,000 lang yung kanyang plan?

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S… Speaker 1 (basic riders (2))

Tapos,

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S… Speaker 1 (basic riders (2))

it was issued 2021.

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S… Speaker 1 (basic riders (2))

Di ba wala pang 100 ,000 yung nabayaran niya?

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S… Speaker 1 (basic riders (2))

Tapos,

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yun,

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kasi 4 years pa lang yung plan.

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S… Speaker 5 (basic riders (2))

But,

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the client was able to claim 1 million.

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Actually,

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just a backstory lang.

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Itong 1 million,

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on top pa ito sa nakuha ni client for critical

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illness.

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Kasi before that,

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nag -claim siya nung na -diagnose siya with cancer.

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Nakapag -claim na rin siya ng around 1 million din.

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S… Speaker 5 (basic riders (2))

Tapos ngayon,

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after 6 months,

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hindi pa rin siya nakabalik sa work.

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Nag -file ulit ng claim naman for disability.

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S… Speaker 1 (basic riders (2))

So you see how really insurance works.

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S… Speaker 1 (basic riders (2))

Pag when the times of emergency arises,

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dyan talaga tayo matutulungan.

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S… Speaker 1 (basic riders (2))

So ito naman,

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S… Speaker 1 (basic riders (2))

waiver riders.

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S… Speaker 1 (basic riders (2))

Ano ibig sabihin ng waiver?

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S… Speaker 1 (basic riders (2))

We have three types of waivers.

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S… Speaker 2 (basic riders (2))

So,

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S… Speaker 1 (basic riders (2))

just in case lang,

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S… Speaker 1 (basic riders (2))

yung ma -disable,

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S… Speaker 5 (basic riders (2))

paano yun?

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S… Speaker 1 (basic riders (2))

Yung premiums ko,

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S… Speaker 1 (basic riders (2))

kailangan ko pa rin ba magbayad?

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S… Speaker 2 (basic riders (2))

So,

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S… Speaker 1 (basic riders (2))

pag may ganitong rider,

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S… Speaker 1 (basic riders (2))

hindi na kailangan kasi may waiver of premium on total

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S… Speaker 1 (basic riders (2))

and permanent disability.

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S… Speaker 2 (basic riders (2))

So,

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S… Speaker 1 (basic riders (2))

meaning, pag ma -total and permanent disability,

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S… Speaker 1 (basic riders (2))

yung premium,

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future premiums will now be waived.

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S… Speaker 1 (basic riders (2))

Ang payer waiver naman,

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ang benefit neto kasi paminsan,

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ang design ng plan natin,

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different yung policy owner at yung policy insured.

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S… Speaker 2 (basic riders (2))

So,

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if ever madisable or mamatay yung payer nung

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S… Speaker 1 (basic riders (2))

plan, then yung premiums nun,

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si pro -life na rin magtutuloy -tuloy.

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Yan naman ang payer waiver.

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S… Speaker 1 (basic riders (2))

Ang life care waiver,

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if in case ma -diagnosed with critical illness,

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S… Speaker 1 (basic riders (2))

Okay, then,

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si Puro Life na rin magtutuloy -tuloy maghulog ng premiums.

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S… Speaker 1 (basic riders (2))

So, your coverage,

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S… Speaker 1 (basic riders (2))

your investment will stay intact.

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S… Speaker 1 (basic riders (2))

It's like you're the one paying.

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S… Speaker 1 (basic riders (2))

The client is the one paying.

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S… Speaker 2 (basic riders (2))

Okay,

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S… Speaker 1 (basic riders (2))

ayan.

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S… Speaker 1 (basic riders (2))

So, waiver on premium on total and permanent disability.

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S… Speaker 1 (basic riders (2))

So,

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S… Speaker 1 (basic riders (2))

yun na nga yung definition,

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S… Speaker 1 (basic riders (2))

no? A rider that waives subsequent premiums if the life insured becomes

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S… Speaker 1 (basic riders (2))

total and permanently disabled.

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S… Speaker 1 (basic riders (2))

Okay, tapos pro -life will shoulder the full premium during the

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S… Speaker 1 (basic riders (2))

period until the benefit expiration

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or until premium term is over,

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whichever comes first.

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S… Speaker 2 (basic riders (2))

Okay,

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S… Speaker 1 (basic riders (2))

kasi paminsan kung 15 years lang yung plan na

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payment terms,

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S… Speaker 1 (basic riders (2))

then hanggang 15 years lang huhulugan din yung pro -life.

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S… Speaker 1 (basic riders (2))

Okay, pero if until age 100,

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S… Speaker 1 (basic riders (2))

okay din.

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up until benefit expiration,

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which is 60 years old.

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S… Speaker 2 (basic riders (2))

Okay?

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S… Speaker 1 (basic riders (2))

So, dito pinapakita,

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S… Speaker 1 (basic riders (2))

no? Issue age neto is 18 up

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S… Speaker 1 (basic riders (2))

to 59.

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S… Speaker 4 (basic riders (2))

Then,

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S… Speaker 1 (basic riders (2))

the benefit will expire up to 60 years old.

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S… Speaker 2 (basic riders (2))

Yan.

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S… Speaker 1 (basic riders (2))

So, ano ng payer waiver?

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S… Speaker 1 (basic riders (2))

Diba?

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S… Speaker 1 (basic riders (2))

As I've mentioned,

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S… Speaker 1 (basic riders (2))

diba?

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S… Speaker 1 (basic riders (2))

Normally, this is attached.

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S… Speaker 1 (basic riders (2))

if magkaiba yung policy owner at yung

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S… Speaker 1 (basic riders (2))

insured.

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S… Speaker 2 (basic riders (2))

Okay?

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S… Speaker 1 (basic riders (2))

Normally,

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S… Speaker 1 (basic riders (2))

for juvenile policies,

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kasi nga,

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minor yung insured,

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tapos yung parent,

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yung parent or the grandparent can be the policy

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owner.

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S… Speaker 2 (basic riders (2))

So,

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it will waive subsequent premiums if the

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S… Speaker 1 (basic riders (2))

policy owner or pay your dice.

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S… Speaker 1 (basic riders (2))

Or become totally and permanently disabled.

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Or suffer complete and irrevocable loss of sight of

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both eyes.

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Kasi considered disabled na siya.

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Or suffers totally and permanent loss by removal

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or disease of both hands or both feet.

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Kasi considered magiging total permanent disabled

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S… Speaker 1 (basic riders (2))

na siya kapag ganyan.

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S… Speaker 2 (basic riders (2))

Yun.

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S… Speaker 1 (basic riders (2))

Yan, tapos ngayon naman,

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S… Speaker 1 (basic riders (2))

yung rider limitations neto,

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S… Speaker 1 (basic riders (2))

kasi nga usually for juvenile lang siya pwede ilalagay talaga.

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S… Speaker 2 (basic riders (2))

So,

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S… Speaker 1 (basic riders (2))

eto siya,

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S… Speaker 1 (basic riders (2))

pwede siya i -issue pag 0 to 17

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S… Speaker 1 (basic riders (2))

years old.

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And then,

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issue age up 18 to 59 ng

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payer.

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S… Speaker 2 (basic riders (2))

So,

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S… Speaker 1 (basic riders (2))

kunari, yung payer,

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S… Speaker 1 (basic riders (2))

60 years old na.

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S… Speaker 1 (basic riders (2))

Kahit na juvenile pa,

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S… Speaker 4 (basic riders (2))

yung...

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S… Speaker 1 (basic riders (2))

policy insured,

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S… Speaker 1 (basic riders (2))

hindi na pwedeng i -attach itong rider.

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S… Speaker 2 (basic riders (2))

Okay?

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S… Speaker 1 (basic riders (2))

Yan.

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S… Speaker 1 (basic riders (2))

Tapos,

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S… Speaker 1 (basic riders (2))

mag -expire siya if mag -25 years

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S… Speaker 1 (basic riders (2))

old na yung minor.

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S… Speaker 2 (basic riders (2))

Okay?

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S… Speaker 1 (basic riders (2))

Or mag -60 years old naman yung payer.

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S… Speaker 1 (basic riders (2))

Whichever comes first.

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S… Speaker 2 (basic riders (2))

Okay, yan.

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S… Speaker 1 (basic riders (2))

So, life care waiver,

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S… Speaker 1 (basic riders (2))

a rider that waives all future premiums if the injured is diagnosed to be suffering

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S… Speaker 1 (basic riders (2))

from critical illness or has undergone surgery

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S… Speaker 1 (basic riders (2))

in the case of critical illness requiring surgery.

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S… Speaker 6 (basic riders (2))

Ayan.

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S… Speaker 2 (basic riders (2))

So,

11:03

S… Speaker 1 (basic riders (2))

ProLife UK will shoulder full premium during the wait

11:07

S… Speaker 1 (basic riders (2))

period until the benefit expiration or until premium term

11:12

S… Speaker 1 (basic riders (2))

is over.

11:12

S… Speaker 2 (basic riders (2))

Ayan.

11:13

S… Speaker 1 (basic riders (2))

So, ito naman,

11:14

S… Speaker 1 (basic riders (2))

ma -waive yung future premiums if mag -diagnose

11:19

S… Speaker 1 (basic riders (2))

si client with critical illness.

11:24

S… Speaker 1 (basic riders (2))

Okay?

11:24

S… Speaker 1 (basic riders (2))

Yan.

11:25

S… Speaker 1 (basic riders (2))

So, issue age na ito,

11:27

S… Speaker 1 (basic riders (2))

18 to 54.

11:28

S… Speaker 1 (basic riders (2))

Yan.

11:28

S… Speaker 1 (basic riders (2))

So, mas maaga siya ng konti,

11:30

S… Speaker 1 (basic riders (2))

no? Pero it will expire up to age 70.

11:34

S… Speaker 2 (basic riders (2))

Ayan.

11:35

S… Speaker 2 (basic riders (2))

So,

11:37

S… Speaker 1 (basic riders (2))

riders, accident naman tayo,

11:39

S… Speaker 1 (basic riders (2))

di ba?

11:39

S… Speaker 1 (basic riders (2))

Meron na tayo.

11:40

S… Speaker 1 (basic riders (2))

Tapos na tayo sa D,

11:41

S… Speaker 1 (basic riders (2))

disability,

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S… Speaker 1 (basic riders (2))

W,

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waiver.

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S… Speaker 1 (basic riders (2))

Ngayon naman,

11:45

S… Speaker 6 (basic riders (2))

accident.

11:46

S… Speaker 1 (basic riders (2))

Ayan.

11:47

S… Speaker 1 (basic riders (2))

So, accident rider,

11:49

S… Speaker 1 (basic riders (2))

So, ano yung accident rider naman?

11:52

S… Speaker 1 (basic riders (2))

A rider that pays a lump sum cash benefit separate

11:56

S… Speaker 1 (basic riders (2))

from basic sum as well.

11:58

S… Speaker 1 (basic riders (2))

In case of accidental death,

12:00

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disability,

12:01

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or dismemberment.

12:03

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So,

12:04

S… Speaker 1 (basic riders (2))

ano yung mga types of riders that we have?

12:07

S… Speaker 1 (basic riders (2))

Meron tayong accidental death and disability,

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disablement rider,

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ADD.

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Or meron din tayong tinitawag na personal accident or PA.

12:17

S… Speaker 1 (basic riders (2))

Para sa akin,

12:19

S… Speaker 1 (basic riders (2))

how I distinguish it,

12:20

S… Speaker 1 (basic riders (2))

basta yung ADD,

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yan yung basic na accident coverage.

12:25

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Yung PA naman,

12:26

S… Speaker 1 (basic riders (2))

yan yung mas comprehensive.

12:28

S… Speaker 1 (basic riders (2))

So mamaya,

12:30

S… Speaker 1 (basic riders (2))

malalaman nyo bakit siya mas comprehensive.

12:32

S… Speaker 1 (basic riders (2))

So meron siya mga different types of,

12:34

S… Speaker 1 (basic riders (2))

ano ba under PA,

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S… Speaker 1 (basic riders (2))

meron pang different types may PA standard.

12:39

S… Speaker 1 (basic riders (2))

PA Executive,

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PA Power,

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at PA Junior,

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which we will discuss then later.

12:43

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Ang maximum accident benefit lang per life is

12:47

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at 10 million.

12:49

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So,

12:50

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hindi na pwede kahit na magdagdag siya ang dami niyang plans.

12:53

S… Speaker 1 (basic riders (2))

Pag meron na siyang 10 million from yung previous niyang

12:57

S… Speaker 1 (basic riders (2))

plan, hindi na pwede magdagdag pa.

13:00

S… Speaker 2 (basic riders (2))

Okay?

13:01

S… Speaker 1 (basic riders (2))

Ayan.

13:02

S… Speaker 1 (basic riders (2))

So, ngayon,

13:03

S… Speaker 1 (basic riders (2))

ang ADD is part of the core benefit,

13:06

S… Speaker 1 (basic riders (2))

no? Kaya,

13:07

S… Speaker 1 (basic riders (2))

hindi nyo siya matatanggal.

13:09

S… Speaker 2 (basic riders (2))

Ayan.

13:10

S… Speaker 1 (basic riders (2))

So, if ever,

13:12

S… Speaker 1 (basic riders (2))

lalagyan ng personal accident,

13:14

S… Speaker 1 (basic riders (2))

gusto mo mas comprehensive na accident coverage,

13:17

S… Speaker 1 (basic riders (2))

then,

13:18

S… Speaker 1 (basic riders (2))

pwede mo lang siya ilagay at a minimum para malagyan

13:22

S… Speaker 1 (basic riders (2))

mo ng personal accident.

13:24

S… Speaker 1 (basic riders (2))

So,

13:25

S… Speaker 1 (basic riders (2))

ano yung ADD coverage natin?

13:28

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Age of entry,

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5 to 65 years old.

13:31

S… Speaker 1 (basic riders (2))

And then,

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benefit term up to 70 years old.

13:36

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So,

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73 to dapat.

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73 years old.

13:44

S… Speaker 1 (basic riders (2))

ADD benefit amount,

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minimum 100 ,000 for PA.

13:49

S… Speaker 1 (basic riders (2))

Tapos,

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250 ,000 for elite.

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S… Speaker 1 (basic riders (2))

Tapos reminder lang for issue age 0 to 4 kasi nga

13:57

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core benefit siya,

13:59

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automatically maa -attouch siya pero magiging

14:04

S… Speaker 1 (basic riders (2))

ano lang siya,

14:05

S… Speaker 1 (basic riders (2))

ang tawag dito,

14:08

S… Speaker 1 (basic riders (2))

it will start to

14:12

S… Speaker 1 (basic riders (2))

cover if when the life in short turns 5.

14:17

S… Speaker 1 (basic riders (2))

Ayan.

14:17

S… Speaker 1 (basic riders (2))

So, if ADD summer short is put at a minimum,

14:20

S… Speaker 1 (basic riders (2))

no additional premium will be required for this age.

14:23

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Then, for occupations,

14:24

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ayan,

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which currently do not allow ADD to be attached,

14:29

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ADD will be limited to the minimum ADD.

14:32

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sum assured at class 3.

14:34

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Kasi may mga occupations din na hindi allowed

14:39

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mag -attach ng rider na to.

14:41

S… Speaker 1 (basic riders (2))

Pero since part siya ng core,

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ilalagay pa din,

14:45

S… Speaker 1 (basic riders (2))

kailangan pa rin lagyan ng amount.

14:47

S… Speaker 2 (basic riders (2))

Okay?

14:48

S… Speaker 1 (basic riders (2))

Yeah.

14:49

S… Speaker 1 (basic riders (2))

Pero at the minimum lang.

14:51

S… Speaker 1 (basic riders (2))

So ngayon,

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S… Speaker 6 (basic riders (2))

if ever,

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S… Speaker 1 (basic riders (2))

ma -accident,

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S… Speaker 1 (basic riders (2))

tapos hindi naman mag -death talaga yung maging outcome.

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S… Speaker 1 (basic riders (2))

Ang maganda dito,

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S… Speaker 1 (basic riders (2))

insured pa rin si client.

15:03

S… Speaker 1 (basic riders (2))

May matatanggap pa rin siya.

15:04

S… Speaker 1 (basic riders (2))

So, kunwari,

15:05

S… Speaker 1 (basic riders (2))

ma -accident.

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S… Speaker 5 (basic riders (2))

Tapos,

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S… Speaker 1 (basic riders (2))

ma -disable a certain body part because of the accident.

15:12

S… Speaker 1 (basic riders (2))

Then,

15:13

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you'll get a percentage of the amount.

15:17

S… Speaker 2 (basic riders (2))

So,

15:18

S… Speaker 1 (basic riders (2))

kunwari, loss of life is,

15:20

S… Speaker 1 (basic riders (2))

syempre, 100%.

15:22

S… Speaker 2 (basic riders (2))

So,

15:23

S… Speaker 1 (basic riders (2))

loss of both hands,

15:24

S… Speaker 1 (basic riders (2))

100%.

15:26

S… Speaker 1 (basic riders (2))

Ayan.

15:26

S… Speaker 1 (basic riders (2))

So it's like ano talaga kasi hindi ba hindi na talaga malaking ano talaga

15:31

S… Speaker 1 (basic riders (2))

yun eh.

15:31

S… Speaker 1 (basic riders (2))

Parang malaki na yung

15:35

S… Speaker 1 (basic riders (2))

disability na nangyari.

15:37

S… Speaker 1 (basic riders (2))

Pero kunwari loss of one foot.

15:40

S… Speaker 1 (basic riders (2))

50 % of the coverage will be given.

15:43

S… Speaker 1 (basic riders (2))

Loss of 150.

15:44

S… Speaker 1 (basic riders (2))

Loss of finger,

15:45

S… Speaker 1 (basic riders (2))

10%.

15:46

S… Speaker 1 (basic riders (2))

Ayan.

15:47

S… Speaker 1 (basic riders (2))

So, paminsan,

15:48

S… Speaker 1 (basic riders (2))

tinujoke ko yun sa mga clients.

15:49

S… Speaker 1 (basic riders (2))

Kung sabi ko, alam mo na,

15:50

S… Speaker 1 (basic riders (2))

girl, pag medyo ganikipit na tayo,

15:53

S… Speaker 1 (basic riders (2))

o yung pinky finger,

15:54

S… Speaker 1 (basic riders (2))

siguro okay lang naman.

15:55

S… Speaker 7 (basic riders (2))

Ayan.

15:56

S… Speaker 1 (basic riders (2))

So, tatawa na rin sila.

15:57

S… Speaker 2 (basic riders (2))

So,

15:58

S… Speaker 1 (basic riders (2))

it's how you represent it din kasi.

16:00

S… Speaker 1 (basic riders (2))

Sometimes,

16:01

S… Speaker 1 (basic riders (2))

di ba? Kasi nga medyo morbid,

16:02

S… Speaker 1 (basic riders (2))

di ba?

16:03

S… Speaker 4 (basic riders (2))

Pero,

16:03

S… Speaker 1 (basic riders (2))

at least, ma -explain mo lang din siya.

16:05

S… Speaker 2 (basic riders (2))

Saba,

16:06

S… Speaker 1 (basic riders (2))

ma -explain mo siya.

16:07

S… Speaker 1 (basic riders (2))

in such a way na mapatawa mo si client.

16:10

S… Speaker 2 (basic riders (2))

Okay?

16:11

S… Speaker 1 (basic riders (2))

So, nakasulat dito,

16:12

S… Speaker 1 (basic riders (2))

loss of shall mean complete and permanent paralysis or

16:16

S… Speaker 1 (basic riders (2))

actual severance.

16:17

S… Speaker 2 (basic riders (2))

Okay?

16:18

S… Speaker 1 (basic riders (2))

Loss of hearing or sight will mean total and permanent irrevocable loss

16:22

S… Speaker 1 (basic riders (2))

of hearing.

16:22

S… Speaker 2 (basic riders (2))

Ayan.

16:24

S… Speaker 1 (basic riders (2))

So, yung maganda dito,

16:25

S… Speaker 1 (basic riders (2))

disablement,

16:26

S… Speaker 1 (basic riders (2))

hindi kailangan dismember.

16:29

S… Speaker 1 (basic riders (2))

Okay?

16:29

S… Speaker 1 (basic riders (2))

So, what's the difference?

16:30

S… Speaker 1 (basic riders (2))

Disablement is kahit hindi mo lang,

16:33

S… Speaker 1 (basic riders (2))

parang hindi mo magamit because of the accident.

16:37

S… Speaker 1 (basic riders (2))

Dismemberment,

16:39

S… Speaker 1 (basic riders (2))

ang dapat dun,

16:40

S… Speaker 1 (basic riders (2))

kailangan talagang tanggal.

16:42

S… Speaker 2 (basic riders (2))

Ayan.

16:43

S… Speaker 1 (basic riders (2))

So, katulad neto,

16:44

S… Speaker 1 (basic riders (2))

yung finger,

16:45

S… Speaker 1 (basic riders (2))

loss of all three phalanges.

16:47

S… Speaker 1 (basic riders (2))

Ayan.

16:48

S… Speaker 1 (basic riders (2))

Pero kahit na dyan pa yung finger,

16:50

S… Speaker 1 (basic riders (2))

basta yun lang kasi hindi mo naman siya magamit.

16:52

S… Speaker 2 (basic riders (2))

Okay?

16:54

S… Speaker 1 (basic riders (2))

Ayan.

16:54

S… Speaker 1 (basic riders (2))

So, ngayon,

16:55

S… Speaker 1 (basic riders (2))

may waiting period ba dito?

16:58

S… Speaker 1 (basic riders (2))

Wala.

16:58

S… Speaker 2 (basic riders (2))

Okay.

17:00

S… Speaker 1 (basic riders (2))

Meaning, you can avail of it anytime na magka

17:04

S… Speaker 1 (basic riders (2))

-accident.

17:04

S… Speaker 1 (basic riders (2))

Issued siya up to 65 years old and then up

17:08

S… Speaker 1 (basic riders (2))

to 73 years old siya.

basic riders (2)

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