When you woke up this morning, we are sure that getting hurt is not in your daily itinerary. However, the fact remains that we are always at risk. We are at risk to injury and death not only because of man-made causes but also of natural causes. Wouldn’t it be good that in the event of injury, that you are able to get some monetary benefit to help you or your loved ones rebuild your or their lives?
The role of having an insurance is to protect you in term of monetary aid whenever something sudden happened to you or any members of your family, may it be an incapacitating illness, accident or death. The monetary value may not be able to bring back what was lost but it will certainly help you or your family members start over and recover from such loss. Unfortunately, insurance is expensive especially for those earning so little. This is why not everyone can afford to have an insurance and if something happens to them, like an accident, they are left with nothing.
The Role of Insurance in Disaster Preparedness
Acts of God or Force Majeure is something we cannot control. Disasters plague the Philippines, the fact that our country is in the ring of fire and in the path of typhoons makes us susceptible to earthquakes and strong typhoons. It is because of this that it is important that we are prepared before, during and after every disaster. Emergency preparedness takes care of before and during the disaster. Microfinance, on the other hand, is one of the elements needed after any disaster, because this will fund your effort to recover, rebuild and move on with your life. But then again, only a few are able to afford this kind of insurance.
Thing of the Past
Unable to afford a life insurance is now a thing of the past. This is because Cebuana Lhuillier has made life insurance affordable for the common Filipino through their Individual and Group Micro Insurance. For an individual, he or she can avail of the Alagang Cebuana Plus Gold, where he or she can avail of such insurance package for as low as 40 pesos per month. This will cover the following benefits:
- Accidental Death, Dismemberment and Disablement coverage for P20,000 per COC
- Murder and Unprovoked Assault coverage for P5,000 per COC
- Fire Cash assistance coverage for P5,000 per COC
- Micro-life Insurance coverage for P5,000 per COC
The Alagang Cebuana Plus Gold is valid for four months and renewable thereafter. Anyone from Age 7-70 is qualified to avail of this benefit.
How to Purchase Cebuana Lhuillier Micro Insurance
If you are interested in availing of this Micro-insurance just follow these steps:
- Go to the nearest Cebuana Lhuillier branch
- Ask for your preferred microinsurance policy
- Give your payment for the Certificate of Cover (COC)
- Accomplish and Sign your Certificate of Cover (COC)
- You are done
There are other Cebuana Lhuillier micro-insurance products which might suit your individual or group needs.
Cebuana Lhuillier definitely made acquiring Insurance possible and easy for all Filipinos, regardless of status. This is a great product especially for those that are not normally able to purchase expensive insurance policies. For freelancers and bloggers, this is an easy way for us to acquire an insurance, especially so that our career also entails a certain amount of risks.