20/10/2025
“SAYANG LANG PALA MGA HINULOG KO NG ILANG TAON, WALA NAMANG NANGYARI”
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Bakit? Gusto mo pala sana na namatay, naaksidente o nagkasakit ka? Iba din ha.
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Unang-una, yung hinuhulog mo ay either pambayad ang kabuohan, o parte nito ang pinambayad sa insurance, depende sa type of plan o policy mo yan.
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Pangalawa, contrary to what some people assume, hindi ka binibigyan ng libreng insurance dahil nagpatambay ka ng pera sa insurance company o dahil nag-invest ka. May bayad ang bawat insurance coverage na meron ka.
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Now imagine this. You own a convenience store, a 24/7 one, parang 7-Eleven.
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You hire two security guards for two shifts. Let’s say you pay ₱35K for each of them to their agency. So that’s a total of ₱70K a month na gastos.
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Now why did you hire them? Obviously, to protect your store. To make sure no robbery or theft happens, or emergencies such as fire, destruction of property, etc. — which could cost you thousands of Pesos or more.
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It works the same way when you get an insurance policy. There’s a cost for the protection from loss, there’s a cost for the peace of mind.
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And how ridiculous it is na bawiin mo ang pinangsweldo sa security guards dahil wala namang nangyari is how ridiculous it is to say na dapat ay ibalik ang pinambayad o buong hinulog sa insurance policy dahil wala namang nangyari.
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Although there are policies out there that give a total premium return when you hit a certain age with no claim, still the insurance company made money out of what you put in.
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Insurance is a win-win business, just like any other. You pay through your premium, and the insurance company gives you financial protection. That’s it!
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And if a business owner is willing to spend around ₱70K a month to not lose thousands to a few millions, bakit ayaw mong magpa-insure when you’re worth more than millions? Think about it.
