12/02/2025
Let’s talk about insurance.
Disclaimer: I’m not an agent of any insurance company. I am just a daughter, a mother and a wife.
I’ve had my first insurance since 2022. Ito talaga yung main goal ko when I started earning.
Para kasing na trauma ako with what happened to my mother. When she got hospitalized, ubusan ng pera talaga. And mind you, hindi kami mayaman. Naalala ko pa yung sinabi ng kuya ko nung need ipasok si mama sa ICU kasi may machine daw for automatic pumping don. Sabi niya, “May 70k savings ako dito, pero after magastos yan, wala na talaga. Zero na ako.”
Ang mahal pala pag need e-ICU. Nag-aaral pa ako nun, so wala akong ambag aside sa pagiging watcher ni mama. In the end, nag decide nalang kami na wag na ipasok sa ICU. Nag manual pumping nalang kami para makahinga si mama. By schedule kami, kasi hindi dapat ma stop yung pagpa-pump.
We were scared na baka iwan kami ni mama anytime soon, tapos worried pa kami sa bills.
Ayoko nang maulit yon. So I promised myself to get an insurance when I start earning.
Now that we are building our dream house, I made sure na may insurance kami lahat before magpagawa ng bahay. Kasi we’ll never know. I always think that we’re just one sickness away from poverty.
I know some people will say na wala pa silang budget for this. I totally understand po. Yung iba enough lang yung income for their daily needs.
Pero if ever there will come a time na may extra po kayo, there are health insurances na one-time payment lang valid for one year.
Yun lang po. Thank you for reading this!
Love,
Joll Mendoza-Gerasmio
CCTO
