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Showing posts with label accident insurance. Show all posts
Showing posts with label accident insurance. Show all posts

Wednesday, May 23, 2018

OFW Bantay Pamilya: An Insurance for OFWs and Their Families!

The main reason why Overseas Filipino Workers (OFW) choose to work abroad so that they can provide the needs and even wants of their loved-ones back home. Our family is always on the top of our priorities. But as OFWs, working for them is not enough, we should also secure their future just in case we fall ill or get into an accident while working in other countries. Have you ever ask that question to yourself? What will happen to my family if I get sick or If I got into situations that I can no longer work?
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The main reason why Overseas Filipino Workers (OFW) choose to work abroad so that they can provide the needs and even wants of their loved-ones back home. Our family is always on the top of our priorities. But as OFWs, working for them is not enough, we should also secure their future just in case we fall ill or get into an accident while working in other countries. Have you ever ask that question to yourself? What will happen to my family if I get sick or If I got into situations that I can no longer work? This is the reason why insurance is created. One of this is Malayan insurance packaged especially designed for families of OFWs — the OFW Bantay Pamilya. With this, you can feel secure that your family will be covered against any expenses that might arise in case you get sick or getting into an accident while working abroad. Benefits for Your Family Accidental Death and Dismemberment Your family will be protected from any damage and loss as a result of accidents. Your spouse and each of your children will be covered for up to Php 100,000 against accidental death and dismemberment. Medical Expenses For medical expenses as a result of accidents, your spouse and each of your children will have medical reimbursement for up to Php 10,000 per accident. Daily Cash Benefit For medical expenses as a result of an illness that would require your spouse or any of your children to be confined to a hospital, that family member is entitled to a daily cash benefit of up to Php 1,000 for every day they spend in the hospital up to three hundred sixty-five (365) days. ICU Benefit Should your spouse or any of your children need to be placed in the Intensive Care Unit (ICU) as a result of an accident or illness, that family member is entitled to a daily ICU benefit of up to Php 2,000 for every day they spend in the hospital up to thirty (30) days. Surgical Benefit Should your spouse or any of your children require surgery as a result of an accident or illness, that family member is entitled to a surgical benefit of up to P15,000 for each operation. Benefits of an OFW Accidental Death and Dismemberment You will also be protected against any damage and loss as a result of accidents, and should the accident lead to accidental death and dismemberment, your beneficiaries will be entitled to a benefit of up to Php 100,000. This benefit will be doubled if the accident in question is related to your work. Educational Assistance Should you die as a result of an accident, Malayan Insurance will help one of your children continue with his/her education. One of your children will receive educational assistance worth Php 50,000. Burial Assistance Should you die as a result of an accident, Malayan Insurance will help your family in their mourning with a burial assistance worth Php 25,000. For unmarried OFWs The OFW or Principal should be of legal age between 18 and 65 years old. The Principal may choose to purchase the Family Cover or Individual Cover. Should unmarried OFWs choose to purchase the Family Cover, the Principal’s parents or unmarried siblings may be declared for the package. The OFWs parents must not be older than 65 years old. The unmarried siblings must be between 1 and 18 years old only, however, they may be as old as 21 years if they are still in school. Should unmarried OFWs choose to purchase the Individual Cover, only one (1) individual may be declared as a beneficiary, provided that the beneficiary in question is between 1 and 65 years old. For married OFWs The OFW or Principal should be of legal age between 18 and 65 years old. The Principal may choose to purchase the Family Cover or Individual Cover. Should married OFWs choose to purchase the Family Cover, only the legally recognized spouse and unmarried children may be declared for the package. The legally recognized spouse must not be older than 65 years old. The unmarried children must be between 1 and 18 years old only, however, they may be as old as 21 years if they are still in school. Should married OFWs choose to purchase the Individual Cover, only one (1) individual may be declared as a beneficiary, provided that the beneficiary in question is between 1 and 65 years old.
This is the reason why insurance is created. One of this is Malayan insurance packaged especially designed for families of OFWs — the OFW Bantay Pamilya. With this, you can feel secure that your family will be covered against any expenses that might arise in case you get sick or getting into an accident while working abroad.
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Benefits for Your Family

  • Accidental Death and Dismemberment

Your family will be protected from any damage and loss as a result of accidents. Your spouse and each of your children will be covered for up to Php 100,000 against accidental death and dismemberment.
  • Medical Expenses
For medical expenses as a result of accidents, your spouse and each of your children will have medical reimbursement for up to Php 10,000 per accident.
  • Daily Cash Benefit
For medical expenses as a result of an illness that would require your spouse or any of your children to be confined to a hospital, that family member is entitled to a daily cash benefit of up to Php 1,000 for every day they spend in the hospital up to three hundred sixty-five (365) days.
  • ICU Benefit
Should your spouse or any of your children need to be placed in the Intensive Care Unit (ICU) as a result of an accident or illness, that family member is entitled to a daily ICU benefit of up to Php 2,000 for every day they spend in the hospital up to thirty (30) days.
  • Surgical Benefit
Should your spouse or any of your children require surgery as a result of an accident or illness, that family member is entitled to a surgical benefit of up to P15,000 for each operation.

Benefits of an OFW
  • Accidental Death and Dismemberment
You will also be protected against any damage and loss as a result of accidents, and should the accident lead to accidental death and dismemberment, your beneficiaries will be entitled to a benefit of up to Php 100,000. This benefit will be doubled if the accident in question is related to your work.
  • Educational Assistance
Should you die as a result of an accident, Malayan Insurance will help one of your children continue with his/her education. One of your children will receive educational assistance worth Php 50,000.
  • Burial Assistance
Should you die as a result of an accident, Malayan Insurance will help your family in their mourning with a burial assistance worth Php 25,000.
Qualifications for unmarried OFWs

  • The OFW or Principal should be of legal age between 18 and 65 years old.
  • The Principal may choose to purchase the Family Cover or Individual Cover.
  • Should unmarried OFWs choose to purchase the Family Cover, the Principal’s parents or unmarried siblings may be declared for the package.
  • The OFWs parents must not be older than 65 years old.
  • The unmarried siblings must be between 1 and 18 years old only, however, they may be as old as 21 years if they are still in school.
  • Should unmarried OFWs choose to purchase the Individual Cover, only one (1) individual may be declared as a beneficiary, provided that the beneficiary in question is between 1 and 65 years old.
Qualifications for married OFWs
  • The OFW or Principal should be of legal age between 18 and 65 years old.
  • The Principal may choose to purchase the Family Cover or Individual Cover.
  • Should married OFWs choose to purchase the Family Cover, only the legally recognized spouse and unmarried children may be declared for the package.
  • The legally recognized spouse must not be older than 65 years old.
  • The unmarried children must be between 1 and 18 years old only, however, they may be as old as 21 years if they are still in school.
  • Should married OFWs choose to purchase the Individual Cover, only one (1) individual may be declared as a beneficiary, provided that the beneficiary in question is between 1 and 65 years old.
If you are interested and for more information, you can contact Malayan Insurance in this link.

Note: Jbsolis is not affiliated nor connected with Malayan Insurance. All information above is taken from their website for general purpose only.


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Overseas Filipino Workers (OFWs) need to save while earning big from working abroad. As OFWs, saving money for an emergency, for our family's future or for our retirement is important. Opening a savings account in a bank that you trust and gives value to your money will inspire you to save more. Bayani OFW Savings from Sterling Bank of Asia is a savings account that comes with no maintaining balance and for as low as P2,000 pesos in your account, your money with grow with interest.

 For minimum wage earners, there are times that it is hard to apply for a loan even in government financial institution, how much more in private. If you are receiving around P10,000 a month salary, it is really hard to apply for a loan, since your payslip is number one requirements to know your capacity to pay.

One of the best banks in the Philippines that offers a good option to Overseas Filipino Workers (OFW) is the Chinabank through its Overseas Kabayan Savings. By opening this savings account, you can start saving money for your future or retirement as OFW at the same time, send money to your family in the Philippines. Having a savings account for OFWs is very important because working abroad is not permanent.

If you want a savings account that does not require an initial deposit, you can apply for Sikap Pinoy OFW Account in Bank of Commerce. However, the Sikap Pinoy OFW Account is exclusively for Overseas Filipino Workers (OFW) only and their beneficiaries.


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Tuesday, May 22, 2018

Saudi Airlines Flight from KSA Crash Lands at Jeddah Airport!

A Saudi Arabian Airlines flight, which took off from Madinah on its way to Dhaka, had to be diverted to Jeddah after suffering a malfunction with the nose landing gear. The plane apparently suffered technical issues during the early stages of the flight

Flight SV3818, utilizing an Airbus A330-200 plane that is said to be leased from Onur Air, made an emergency landing at Jeddah's King Abdulaziz International Airport with the nose gear retracted.
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The aircraft had circled Jeddah for several hours and was forced to make two low passes until it was allowed to land on runway 34R at around 22:00 local time. The flight path showing the plane circling the air can also be seen in a video below. The Airbus 330 suffered considerable damage, but passengers were evacuated via emergency slides and no injuries have been reported so far.




The spokesperson for Saudi Airlines, Eng. Abdulrahman al-Tayeb, explained that the flight took off from Medinah at 8pm local time on Monday night. It was headed for Dhaka Airport in Bangladesh. He said that during the first hour of the flight, a defect was detected in the aircraft’s hydraulic system and the pilots made the decision to divert the plane to Jeddah.

“When the landing attempt was made, the front wheels could not be lowered,” al-Tayeb told the local media.

 “After several attempts, they decided to land without taking down the front wheels after taking all necessary precautions. The plane landed safely and the 141 guests took off the plane with the 10 crew members.”
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Monday, September 25, 2017

Expats Who Got Injured At Work To Be Taken Care By GOSI


The General Organization for Social Insurance (GOSI) has reiterated that it will bear their cost of living should any expatriate worker got injured while doing their duties.. If an injured worker needs the help of others to run his daily affairs of life he or she will be entitled to be paid about 50 percent of the proceedings of his insurance with a maximum ceiling of SR3,500 every month, GOSI said. But if a worker objects to the preliminary medical report, he will be responsible to bear his expenses as long as his objection is under review. “If the objection is accepted, the worker will be compensated,” GOSI said. If a worker’s injury results in permanent disability then GOSI will bear the travel expenses of the worker to his or her home country. GOSI said the entire compensation will be paid before the injured worker leaves for his or her home country. GOSI said that it will be considered a work injury if an expatriate worker is injured in a traffic accident while on his/her way to work place or back home from work. Sponsored Links “It will be considered a work injury if an expatriate worker is hit by a car while on his way to have food or on his way to pray in a nearby mosque,” it said. GOSI said it will also pay the cost of repatriating the dead body of an expatriate worker if he or she dies of a work injury. This will include paying the cost of Ghusl (washing) and other expenses, it added. During the first nine months of 2016, GOSI registered 38,767 work injuries among Saudi and expatriate workers. It said that there were 375 deaths during the same period. According to GOSI’s figures, there were 10,502 inured workers during the first nine months of the past year who were under medical treatment. It said, 920 of them have recovered and 128 have died due to work injuries. Source: Saudi Gazette

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The General Organization for Social Insurance (GOSI) has reiterated that it will bear their cost of living should any expatriate worker got injured while doing their duties.
The General Organization for Social Insurance (GOSI) has reiterated that it will bear their cost of living should any expatriate worker got injured while doing their duties.. If an injured worker needs the help of others to run his daily affairs of life he or she will be entitled to be paid about 50 percent of the proceedings of his insurance with a maximum ceiling of SR3,500 every month, GOSI said. But if a worker objects to the preliminary medical report, he will be responsible to bear his expenses as long as his objection is under review. “If the objection is accepted, the worker will be compensated,” GOSI said. If a worker’s injury results in permanent disability then GOSI will bear the travel expenses of the worker to his or her home country. GOSI said the entire compensation will be paid before the injured worker leaves for his or her home country. GOSI said that it will be considered a work injury if an expatriate worker is injured in a traffic accident while on his/her way to work place or back home from work. Sponsored Links “It will be considered a work injury if an expatriate worker is hit by a car while on his way to have food or on his way to pray in a nearby mosque,” it said. GOSI said it will also pay the cost of repatriating the dead body of an expatriate worker if he or she dies of a work injury. This will include paying the cost of Ghusl (washing) and other expenses, it added. During the first nine months of 2016, GOSI registered 38,767 work injuries among Saudi and expatriate workers. It said that there were 375 deaths during the same period. According to GOSI’s figures, there were 10,502 inured workers during the first nine months of the past year who were under medical treatment. It said, 920 of them have recovered and 128 have died due to work injuries. Source: Saudi Gazette

“If the objection is accepted, the worker will be compensated,” GOSI said.

If the worker has been badly injured that it resulted to permanent disability, GOSI will shoulder the repatriation expenses of the expat worker to his/her home country. Before the worker leaves, the compensation will be fully paid


GOSI said that it will be considered a work injury if an expatriate worker is injured in a traffic accident while on the way to work place or from work going back home.
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The General Organization for Social Insurance (GOSI) has reiterated that it will bear their cost of living should any expatriate worker got injured while doing their duties.. If an injured worker needs the help of others to run his daily affairs of life he or she will be entitled to be paid about 50 percent of the proceedings of his insurance with a maximum ceiling of SR3,500 every month, GOSI said. But if a worker objects to the preliminary medical report, he will be responsible to bear his expenses as long as his objection is under review. “If the objection is accepted, the worker will be compensated,” GOSI said. If a worker’s injury results in permanent disability then GOSI will bear the travel expenses of the worker to his or her home country. GOSI said the entire compensation will be paid before the injured worker leaves for his or her home country. GOSI said that it will be considered a work injury if an expatriate worker is injured in a traffic accident while on his/her way to work place or back home from work. Sponsored Links “It will be considered a work injury if an expatriate worker is hit by a car while on his way to have food or on his way to pray in a nearby mosque,” it said. GOSI said it will also pay the cost of repatriating the dead body of an expatriate worker if he or she dies of a work injury. This will include paying the cost of Ghusl (washing) and other expenses, it added. During the first nine months of 2016, GOSI registered 38,767 work injuries among Saudi and expatriate workers. It said that there were 375 deaths during the same period. According to GOSI’s figures, there were 10,502 inured workers during the first nine months of the past year who were under medical treatment. It said, 920 of them have recovered and 128 have died due to work injuries. Source: Saudi Gazette


If the accident resulted to death of the expat worker, GOSI will also pay the cost of repatriating the dead body of an expatriate worker . This will include paying the cost of Ghusl (washing) and other expenses.The General Organization for Social Insurance (GOSI) has reiterated that it will bear their cost of living should any expatriate worker got injured while doing their duties.. If an injured worker needs the help of others to run his daily affairs of life he or she will be entitled to be paid about 50 percent of the proceedings of his insurance with a maximum ceiling of SR3,500 every month, GOSI said. But if a worker objects to the preliminary medical report, he will be responsible to bear his expenses as long as his objection is under review. “If the objection is accepted, the worker will be compensated,” GOSI said. If a worker’s injury results in permanent disability then GOSI will bear the travel expenses of the worker to his or her home country. GOSI said the entire compensation will be paid before the injured worker leaves for his or her home country. GOSI said that it will be considered a work injury if an expatriate worker is injured in a traffic accident while on his/her way to work place or back home from work. Sponsored Links “It will be considered a work injury if an expatriate worker is hit by a car while on his way to have food or on his way to pray in a nearby mosque,” it said. GOSI said it will also pay the cost of repatriating the dead body of an expatriate worker if he or she dies of a work injury. This will include paying the cost of Ghusl (washing) and other expenses, it added. During the first nine months of 2016, GOSI registered 38,767 work injuries among Saudi and expatriate workers. It said that there were 375 deaths during the same period. According to GOSI’s figures, there were 10,502 inured workers during the first nine months of the past year who were under medical treatment. It said, 920 of them have recovered and 128 have died due to work injuries. Source: Saudi Gazette
 GOSI’s figures shows that there were 10,502 work-related injuries during the first 3 quarters of the previous year who were undergoing medical treatment. Nine hundred and twenty of them has already recovered while 128 have already died.
Source: Saudi Gazette
The General Organization for Social Insurance (GOSI) has reiterated that it will bear their cost of living should any expatriate worker got injured while doing their duties.. If an injured worker needs the help of others to run his daily affairs of life he or she will be entitled to be paid about 50 percent of the proceedings of his insurance with a maximum ceiling of SR3,500 every month, GOSI said. But if a worker objects to the preliminary medical report, he will be responsible to bear his expenses as long as his objection is under review. “If the objection is accepted, the worker will be compensated,” GOSI said. If a worker’s injury results in permanent disability then GOSI will bear the travel expenses of the worker to his or her home country. GOSI said the entire compensation will be paid before the injured worker leaves for his or her home country. GOSI said that it will be considered a work injury if an expatriate worker is injured in a traffic accident while on his/her way to work place or back home from work. Sponsored Links “It will be considered a work injury if an expatriate worker is hit by a car while on his way to have food or on his way to pray in a nearby mosque,” it said. GOSI said it will also pay the cost of repatriating the dead body of an expatriate worker if he or she dies of a work injury. This will include paying the cost of Ghusl (washing) and other expenses, it added. During the first nine months of 2016, GOSI registered 38,767 work injuries among Saudi and expatriate workers. It said that there were 375 deaths during the same period. According to GOSI’s figures, there were 10,502 inured workers during the first nine months of the past year who were under medical treatment. It said, 920 of them have recovered and 128 have died due to work injuries. Source: Saudi Gazette

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