Category Archives: Health Tips

Bakit Mahalaga Ang Insurance?

Sa ating araw-araw na aktibidad hindi natin masasabi kung gaano tayo ka safe sa paligid na ginagalawan natin. Andyan ang aksidente, pagkakaroon ng sakit, pagkamatay at marami pang iba klase ng di inaasahang malas sa ating buhay.

Dito tayo nagkakautang ng malaki sa mga kamag-anak at kaibigan dahil hindi tayo handa sa mga ganitong pagkakataon.

Kung may insurance ka, napakalaking tulong ito para matustusan ang ganitong malaking gastos dahil sasagutin ng insurance ang mga ibang magagastos. Insurance ang magbabayad sa mga nagastos mo sa ospital, pagpapa repair ng sasakyan at kahit pagpapatayo ng bahay kung ikaw ay nasunugan, binaha o kaya sinira ng malakas na lindol.

Narito ang mga ilang klase ng insurance.

Medical or Health Insurance
Ang Philhealth Card ang isa sa halimbawa ng ganitong klase ng insurance. Tinatawag din itong short term medical insurance dahil renewal ito yearly, quarterly or monthly. Kung ikaw ay edad 21 hanggang 65 ay pwede ka na kumuha ng medical insurance. Pwedeng isama sa coverage ng insurance ang mga anak na edad 21 pababa. Base sa nakasaad sa policy, pwedeng bayaran ng medical insurance ang mga gastusin sa ospital tulad ng bayad sa operasyon, doctor’s fee, gamot at pati na rin gamot.

Ayon sa aking karanasan nung nanganak ang misis ko, ang total expense namin ay nabawasan ng 60% kaya napakalaging bagay ang makukuhang discount kung may insurance ka. Ginamit nya ang kanyang PhilHealth Card.

Life Insurance
Sa pamamagitan ng life insurance, binibigyan nito ang proteksiyon ang buhay ng isang tao kung may masamang mangyari ito sa kanya tulad ng kamatayan, disability, sakit at aksidente. Kung mawala sa mundong ibabaw ang taong insured, babayaran ng insurance company ang kanyang beneficiaries ng halaga ayon sa kontrata sa insurance.

Makikita dito sa baba ang kinuha kong insurance sa 2 company mid of 2015.

Ang isa dito ay mula sa PNB Life na one time payment ng 100,000. Ito ay isang klase ng investment with link insured amount na 125% at pwede pa itong dagdagan pa kung gusto ko. Please see below copy of my policy information.

Ang pangalawa ay sa kinuha ko sa Prulife which is payable in 5 years with a monthly payment of P5,000 na auto debit sa aking bank account.

Prulife Policy Copy

Auto Debit Transaction

Home Insurance
Malaki o maliit man ang bahay ng isang tao, malaking pera ang napunta dito sa kanyang investment dahil isa sa mga pangunahing pangarap ng isang mamayang Pilipino ang magkaroon ng bahay. Kung nasira ang iyong bahay ng lindol, baha o kaya sunog, ang insurance ang tutulong sayo para maipatayo mo ulit ang nasirang bahay.

Car Insurance
Kung may sasakyan ka, mahalalang magkaroon ka ng insurance para dito. Kung may mangyaring aksidente sayo, ang insurance ang sasagot sayo. Ang car insurance ay ang kontrata mo sa issuing company. Kung sakaling mabangga o manakaw ang kotse mo, ang insurance ang sasagot sa magagastos dito.
Sa pamamagitan ng Comprehensive Auto Insurance, magku-cover ng lahat ng damages kung may mangyari sa kotse mo.

Accident Insurance
Dahil mahalaga sa atin ang ating pamilya kaya tayo kumukuha ng Personal Accident Insurance. Itong klase ng insurance ang sasagot sa gastusin sa ospital dahilan ng inyong pagka aksidente. Dito pwede mong I re-imburse ang mga nagastos mo sa ospital.

Pwedeng i-extend ang coverage ng PA insurance at pwedeng isama dito ang para ma cover nya ang pagkamatay (Murder) lalo na sa gastos sa pagpapalibing, at pati na rin ang dobleng bayad kapag ikaw ay naaksidente sa eroplano o barko.

To your success,

Eric Espejo






P.S. If your learned something from this blog post, feel free to type your comment and questions below. Please don’t forget to like me in Facebook.

Top 21 Reasons to Drink Coffee

1. Burns Body Fats: A core ingredient of coffee, Caffeine, increases your metabolic rate, modulates blood sugar, improves insulin sensitivity, curbs your appetite and stimulates the nervous system, triggering fat cells to break down body fat.

2. Boosts Performance: Caffeine not only increases Epinephrine (Adrenaline, body’s “fight or flight” hormone) levels in the blood, readying our body for intense physical exertion but also the number of fatty acids circulating in the bloodstream making them available as ready fuel.

3. Fights Depression and Makes You Happier: Caffeine not only gives your body a jolt, but it also acts a mild anti-depressant, boosting production of “feel-good” neurotransmitters in the brain, including dopamine, serotonin and noradrenalin.

4. Decreases Metabolic Syndrome Risk: Coffee decreases the risk of Metabolic syndrome (obesity, a large waist circumference, and insulin resistance) by reducing triglyceride levels and improved glucose tolerance.

5. Speeds Recovery and Reduces Muscle Soreness: Caffeine reduces the process of muscle recovery by up to 48% and improves muscle glycogen re-synthesis, post-workout.
6. Increases Motivation & Reaction Time: Caffeine blocks an inhibitory neurotransmitter Adenosine, increasing the amount of other neurotransmitters like norepinephrine and dopamine. These fire up the neurons, responsible for better memory, mood, vigilance, logical reasoning, energy levels, reaction times and general cognitive function.

7. Lowers stress: Coffee aromas lead to changes in brain proteins tied to stress, felt as a result of sleep deprivation and over exertion.

8. Prevents Heart Disease and Stroke: Antioxidants, in coffee, help quell the damaging effects of inflammations on arteries. Improves the ratio between “bad” LDL and “good” HDL cholesterol by 8%.

9. Improves Vascular Health & regulates Blood Pressure: Improves health of the blood vessels by increasing nitric oxide production in the endothelium, improving vascular muscle tone. Helps maintain healthy arterial pressure, lowering blood pressure over the long-term.

10. Protects against Prostate cancer: Studies have proved that active coffee drinkers reduce their risk of prostate cancer recurrence and/or progression by 59%, than those with lower or no coffee consumption.

11. Protects against Type 2 diabetes: Decaffeinated coffee increases plasma levels of the protein Sex Hormone-Binding Globulin (SHBG) which controls the biological activity of Testosterone and Estrogen, critical in the development of Type 2 diabetes.

12. Nutrient Superstore: A cup of coffee contains important nutrients, including Riboflavin (B2), Pantothenic Acid (B5), Manganese, Potassium, Magnesium and Niacin (B3), without any added calories.

13. Rich in Antioxidants: Coffee (caffeinated or decaffeinated) is the number one source of antioxidants in the U.S. Americans get more of their antioxidants from coffee than any other dietary source.

14. For Alzheimer’s Disease and Dementia: Coffee sippers reduced the risk or delayed onset of Alzheimer’s disease, by 65%, which is a leading cause of dementia worldwide.

15. For Parkinson’s disease: Coffee drinkers have up to a 60% lower risk of getting Parkinson’s disease (caused by the death of dopamine-generating neurons), the second most common neurodegenerative disorder after Alzheimer’s disease.

16. Liver LOVER: Paraxanthine, one of the breakdown products of caffeine, restricts tissue growth associated with liver fibrosis, alcoholic cirrhosis and liver cancer. Caffeine and antioxidants, Chlorogenic and Caffeic acids, prevent liver inflammation and reduce risk of Primary Sclerosing Cholangitis (PSC), a rare autoimmune disease of the bile ducts in the liver.

17. Cancer Cure: Antioxidants, Caffeic and Chlorogenic acid, prevent Glioma (a form of brain cancer), lower risk of developing Basal Cell Carcinoma (BCC)—most common type of skin cancer (in women) and endometrial cancer(cancer of the lining of the uterus).

18. Provides Migraine relief: Coffee constricts swollen blood vessels in the brain, which can decrease throbbing pain. In fact, caffeine is used as a main ingredient in many popular over-the-counter migraine medications.

19. Anti-aging miracle: Coffee’s high antioxidant content refreshes your skin, helps reduce cellulite and fights against wrinkles.

20. Prevents Colon Cancer: Coffee contains numerous wonder ingredients which cuts the risk of colon cancer by nearly 25%.

21. Decreases Mortality Rate: Studies on regular coffee drinkers across variety of ethnicities, gender, body fat, lifestyle factors and age show 10% lower risk of mortality than abstainers. => Free Expert Advice on Natural Cure, Fitness & Yoga