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Your HEALTH insurance is a life saver when it come to health needs both expected and unexpected as
mentioned earlier. Kay Health insurance magamit nimo with medical checkups, injuries, surgeries even
life and death emergencies. This can help lessen the costs and expenses sa pagpaayo sa patient if di man
gani kaya ma fully covered sa insurance.
Example ani kay PhilHealth monthly ga-pay ang tawo for a certain amount for the things na na mention
ganina.
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Employers can adjust health insurance plans to appeal to employees. Which means na pede mu choose
ang employee whether he/she will avail higher premiums kanang regularly/monthly naga pay ang usa ka
employee para sa iyang insurance or low premiums but this means nga higher ang imong magasto from
your pocket when it comes to coinsurance ug co pay
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DISABILITY example ani kay for example ang usa ka empleyado sa gobyerno na disgrasya siya sa iyang
gitrabahuan let us say nabuta siya while at work pede siya mu avail ani with the fpllowing guidelines
SA LIFE INSURANCE ga andam kas imong kawalaon. Naay specific date as to when ka mu stop ug pay his
policy solely includes a death benefit that your beneficiaries may receive if you die before the end of the
policy's term. Sa kani nga insurance di nimo siya pede I cashout. It provides financial security, helps to
pay off debts, helps to pay living expenses, and helps to pay any medical or final expenses.
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In disability insurance, ang usa ka employee may or may not have disability insurance sa iyang work so
mas mayo nan aa iyang iyang personal. Ang mag cover ra ani kay ang portion ra sa una nimong sweldo
before ka nagka disability. If short term ra 75- 80 % sa imong sweldo ang covered unlike long term nga
40-50 % pud ang coverage kay madepende na sa coverage duration and level of risk.
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TERM LIFE INUSRANCE
Typically, mas maba and fixed for the duration of the term. Pays a death benefit only if mamatay ang
insured during the term pero kani walay money makuha ang beneficiary ani.
WHOLE LIFE INSURANCE
From the word itself mu provide ug coverage for the insured's entire life, as long as premiums are paid.
Kani compared sa term life it is higher than term life, fixed and typically remain level throughout the
policyholder's life. It pays a guaranteed death benefit. Also, makakuha kag money over time, which can
be ma borrowhan or withdrawn.
UNIVERSAL LIFE
Same2 sa whole life Provides coverage for the insured's entire life, similar to whole life but ang kalahian
kay ang flexible premiums that can be adjusted by the policyholder within certain limits. Then kani maka
accumulates sad ug cash value, with interest credited based on market rates or a minimum guaranteed
rate. Policyholders can adjust premiums and death benefits based on their needs and cash value.
Ang ingun ani nga insurance mag depende ug unsay need gygud sa insured ug unsa iyang financial goal.
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Key person insurance and employer-provided insurance serve distinct purposes within a business
context.
Key person insurance kay insurance ni sa mga important people or naay gyuy ambag sa company. Where
in th he company is both the policyholder and the beneficiary, using the death benefit to cover financial
losses, find a replacement, or offset lost revenue if the key person passes away unexpectedly. Kani nga
type of insurance kay mag secure sa financial stability sa usa ka company.
Employer-provided insurance kay part ni sa employee benefits package, includes life and health
insurance policies offered to employees as part of their compensation. Ang primary purpose ani kay to
provide financial protection and health benefits to employees and their families para ma inspire ang
employee to do more and well sa iyahang job and loyalty sa company. Kay if ang usa ka empleyado well
compensated ug mayo ang dala sa company sa iyaha kay diha na gud na siya hangtud sa hangtud.
In summary, key person insurance focuses on safeguarding the business against the loss of vital
personnel, while employer-provided insurance aims to support employees' well-being and provide
financial security to them and their dependents.
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