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Insurance Availed in PH, or SG

pilot_markerpilot_marker RaleighTotal Reaction Points: 19Member
Magtatanong lang po, para po sa mga kumuha ng Life or Health insurance, Savings Plans, or "Mutual fund with Life Insurance" na mga 15 years or 25 years to mature, sa Pinas or sa SG. Paano pong diskarte ang ginawa nyo?

Ipinagpatuloy nyo ba ang hulog kahit nasa AUS na kayo, worth it ba ipagpatuloy? I heard in the future kung sakali mag claim kayo kelangan nyo pa lumipad papuntang (for example) Singapore para mag claim ng benefits at minsan kelangn pa daw ng lawyer.

Pano ginawa nyo sa hulog? thru CC?

Thanks
God is Good wherever He brings us!

27 Apr 2013 - IELTS

15 Nov 2014 - Started EA CDR
22 Dec 2014 - Submitted EA CDR
12 Mar 2015 - Received EA Assessment
12 Mar 2015 - Submitted EOI (60 points)
10 Apr 2015 - Received Invitation to apply Visa Class 189
10 Apr 2015 - Lodged Visa Application (wife included)
30 Apr 2015 - Uploaded NBI, SG COC and Medical. (No Form 80)
25 May 2015 - CO Contact, Received Delay Email

Praying for grant...
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Comments

  • nice_guynice_guy BrisbaneTotal Reaction Points: 16Member
    Posts: 331
    Join ako dito. Meron ako Life Insurance na kinuha sa pinas (SunLife).
    Nominated Occupation: ANZSCO 233513 (Plant or Production Engineer)

    Feb 02 2013: IELTS
    Feb 2013 to Aug 2014: Wife having second thought....
    Zzzzzzzzzzzzzzzzzzzzzz...............

    Sept 2014: Finally decided to pursue Au dream!
    Sept 2014: Completed CDR
    Sept 25 2014: Completed documentations
    Sept 30 2014: Paper application submitted to EA thru DHL
    Oct 07 2014: AUD890 deducted from CC
    Nov 22 2014: IELTS (L8.5 R8.0 W7.5 S8.0 OBS8.0) (God is good!)

    Jan 06 2015: EA assessment ETC (13 weeks)
    Feb 05 2015: Positive EA result (Thank you Lord!!!)
    Feb 13 2015: Air Mail received
    Feb 16 2015: Lodged EOI (65 pts)
    Feb 27 2015: Received invitation to lodge visa 189
    Mar 05 2015: Lodged visa 189
    Mar 05 2015: Visa payment charged in Credit Card
    Mar 06 2015: Submitted NBI, Mal & Id Police Clearance to agent
    Mar 11 2015: Submitted Form-80 to agent
    Mar 20 2015: Medical with family done in SG (Point Medical Paragon)
    Mar 25 2015: Medical result uploaded
    Mar 26 2015: SSS and PAG-IBIG uploaded
    May 07 2015: Visa Granted!!! (IED 24Mar2016)
    Jan 2016: BIG Move!!!
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  • TasBurrfootTasBurrfoot OsakaTotal Reaction Points: 275Member, Moderator
    Posts: 4,331
    Magtatanong lang po, para po sa mga kumuha ng Life or Health insurance, Savings Plans, or "Mutual fund with Life Insurance" na mga 15 years or 25 years to mature, sa Pinas or sa SG. Paano pong diskarte ang ginawa nyo?

    Ipinagpatuloy nyo ba ang hulog kahit nasa AUS na kayo, worth it ba ipagpatuloy? I heard in the future kung sakali mag claim kayo kelangan nyo pa lumipad papuntang (for example) Singapore para mag claim ng benefits at minsan kelangn pa daw ng lawyer.

    Pano ginawa nyo sa hulog? thru CC?

    Thanks
    My wife had a Variable Life Insurance before with Sunlife - prior to moving here, she just terminated the contract with Sunlife and sold all her shares. As market was up, kumita naman ng konti...

    Not worth the hassle of continuing - you can get much better value if you get life insurance here in Australia via your Superannuation.

    Main point is that mahal ang insurance sa Philippines... Super mahal! :)
    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!
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  • pilot_markerpilot_marker RaleighTotal Reaction Points: 19Member
    Posts: 144
    After having a savings plan + life insurance here in SG for 5 years now, I was told that na parang kalahati lang makukuha ko sa naipon ko pag sinurender ko yung policy... Tsk tsk...
    God is Good wherever He brings us!

    27 Apr 2013 - IELTS

    15 Nov 2014 - Started EA CDR
    22 Dec 2014 - Submitted EA CDR
    12 Mar 2015 - Received EA Assessment
    12 Mar 2015 - Submitted EOI (60 points)
    10 Apr 2015 - Received Invitation to apply Visa Class 189
    10 Apr 2015 - Lodged Visa Application (wife included)
    30 Apr 2015 - Uploaded NBI, SG COC and Medical. (No Form 80)
    25 May 2015 - CO Contact, Received Delay Email

    Praying for grant...
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  • goreogoreo BraddonTotal Reaction Points: 23Member
    Posts: 159
    kami rin meron..kaso sa zurich ang plan namin..20yrs. :( balak namin ituloy na lang talaga kasi sayang yung mawawala if early surrender. halos kalahati..ginawa namin is binabaan namin ang monthly contribution..yung pinakaleast possible..tapos contact na lang namin ang zurich online to arrange payment from Australia pag nandun na kami..pwede daw bank transfer or cc..
    Skilled (Migrant) (class VE) Skilled - Independent (subclass 175)
    Timeline:
    June 2012 - Visa grant
    Sep 2012 - Initial entry to Sydney (one week)
    June 2015 - Planned big move to Au
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  • pilot_markerpilot_marker RaleighTotal Reaction Points: 19Member
    edited April 2015 Posts: 144
    @goreo thanks!
    yung prudential namin 25 years to pay, Na confirm ko sa agent na kung surrender namin 66% naman makukuha. pero we decided kami to keep it. sayang pa rin 33% at being insured. payment by CC. By the end of maturity of 20 years pa papadlaa na lang daw cheque ng savings. hehe
    Yung Zurich naman 25 years to pay din, 80% makukuha pag total surrender, pero sayang talaga yung 20%. Gayahin namin kayo na liitan monthly contribution as possible, till maging stable. hehe.
    Sunlife sa Pinas, 10 years to pay lang, kaya mas madali tayagain tapusin. hehe.

    Try namin pause or yun nga pinakamaliit na possible contribution.
    God is Good wherever He brings us!

    27 Apr 2013 - IELTS

    15 Nov 2014 - Started EA CDR
    22 Dec 2014 - Submitted EA CDR
    12 Mar 2015 - Received EA Assessment
    12 Mar 2015 - Submitted EOI (60 points)
    10 Apr 2015 - Received Invitation to apply Visa Class 189
    10 Apr 2015 - Lodged Visa Application (wife included)
    30 Apr 2015 - Uploaded NBI, SG COC and Medical. (No Form 80)
    25 May 2015 - CO Contact, Received Delay Email

    Praying for grant...
    reaction image 0LOL reaction image 0Awesome reaction image 0Informative reaction image 0Artistic Share on Facebook Share on Twitter
  • TasBurrfootTasBurrfoot OsakaTotal Reaction Points: 275Member, Moderator
    Posts: 4,331
    @goreo thanks!
    yung prudential namin 25 years to pay, Na confirm ko sa agent na kung surrender namin 66% naman makukuha. pero we decided kami to keep it. sayang pa rin 33% at being insured. payment by CC. By the end of maturity of 20 years pa papadlaa na lang daw cheque ng savings. hehe
    Yung Zurich naman 25 years to pay din, 80% makukuha pag total surrender, pero sayang talaga yung 20%. Gayahin namin kayo na liitan monthly contribution as possible, till maging stable. hehe.
    Sunlife sa Pinas, 10 years to pay lang, kaya mas madali tayagain tapusin. hehe.

    Try namin pause or yun nga pinakamaliit na possible contribution.
    @pilot_marker - mate, am i correct in assuming that you are over insured?

    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!
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  • pilot_markerpilot_marker RaleighTotal Reaction Points: 19Member
    Posts: 144
    @TasBurrfoot over insured nga talaga kaming mag asawa, nakuha kasi namin yun nung singles pa kami at wala pang alam sa insurance.
    God is Good wherever He brings us!

    27 Apr 2013 - IELTS

    15 Nov 2014 - Started EA CDR
    22 Dec 2014 - Submitted EA CDR
    12 Mar 2015 - Received EA Assessment
    12 Mar 2015 - Submitted EOI (60 points)
    10 Apr 2015 - Received Invitation to apply Visa Class 189
    10 Apr 2015 - Lodged Visa Application (wife included)
    30 Apr 2015 - Uploaded NBI, SG COC and Medical. (No Form 80)
    25 May 2015 - CO Contact, Received Delay Email

    Praying for grant...
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  • LittleFingerLittleFinger Manila, PhilippinesTotal Reaction Points: 6Member
    Posts: 71
    guys, correct me if im wrong, nsa policy ng insurance na only phil citizens ang pwede nila insure, paano kung eventually you get your citizenship from another country and denounced your fil citizenship? sayang ung premium na hinulog nyo, tas dp kyo covered...

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  • nice_guynice_guy BrisbaneTotal Reaction Points: 16Member
    Posts: 331
    Up ko lang po ang topic na 'to. Currently I'm on the 2nd year of paying out of 10 years maturity. I still cannot decide whether to continue paying, or cancel the premium. For now I don't foresee any problem, but later on when the possibility of Dual Citizenship comes in, I'm not sure whether it is still advantageous to continue our insurance.
    Nominated Occupation: ANZSCO 233513 (Plant or Production Engineer)

    Feb 02 2013: IELTS
    Feb 2013 to Aug 2014: Wife having second thought....
    Zzzzzzzzzzzzzzzzzzzzzz...............

    Sept 2014: Finally decided to pursue Au dream!
    Sept 2014: Completed CDR
    Sept 25 2014: Completed documentations
    Sept 30 2014: Paper application submitted to EA thru DHL
    Oct 07 2014: AUD890 deducted from CC
    Nov 22 2014: IELTS (L8.5 R8.0 W7.5 S8.0 OBS8.0) (God is good!)

    Jan 06 2015: EA assessment ETC (13 weeks)
    Feb 05 2015: Positive EA result (Thank you Lord!!!)
    Feb 13 2015: Air Mail received
    Feb 16 2015: Lodged EOI (65 pts)
    Feb 27 2015: Received invitation to lodge visa 189
    Mar 05 2015: Lodged visa 189
    Mar 05 2015: Visa payment charged in Credit Card
    Mar 06 2015: Submitted NBI, Mal & Id Police Clearance to agent
    Mar 11 2015: Submitted Form-80 to agent
    Mar 20 2015: Medical with family done in SG (Point Medical Paragon)
    Mar 25 2015: Medical result uploaded
    Mar 26 2015: SSS and PAG-IBIG uploaded
    May 07 2015: Visa Granted!!! (IED 24Mar2016)
    Jan 2016: BIG Move!!!
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  • pilot_markerpilot_marker RaleighTotal Reaction Points: 19Member
    Posts: 144
    @nice_guy, buti sayo 10 years lang maturity. You can discuss with your agent ano mga options mo, continue or surrender or hold. Then think about it.
    God is Good wherever He brings us!

    27 Apr 2013 - IELTS

    15 Nov 2014 - Started EA CDR
    22 Dec 2014 - Submitted EA CDR
    12 Mar 2015 - Received EA Assessment
    12 Mar 2015 - Submitted EOI (60 points)
    10 Apr 2015 - Received Invitation to apply Visa Class 189
    10 Apr 2015 - Lodged Visa Application (wife included)
    30 Apr 2015 - Uploaded NBI, SG COC and Medical. (No Form 80)
    25 May 2015 - CO Contact, Received Delay Email

    Praying for grant...
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  • nice_guynice_guy BrisbaneTotal Reaction Points: 16Member
    Posts: 331
    I discussed this with my agent, and best option would be to surrender my plan since we'll be living permanently in Au. Yun nga lang, halos ~35% lang ang mare-refund sa payments ko. But I think it's a good deal since 1.5years palang naman.
    Nominated Occupation: ANZSCO 233513 (Plant or Production Engineer)

    Feb 02 2013: IELTS
    Feb 2013 to Aug 2014: Wife having second thought....
    Zzzzzzzzzzzzzzzzzzzzzz...............

    Sept 2014: Finally decided to pursue Au dream!
    Sept 2014: Completed CDR
    Sept 25 2014: Completed documentations
    Sept 30 2014: Paper application submitted to EA thru DHL
    Oct 07 2014: AUD890 deducted from CC
    Nov 22 2014: IELTS (L8.5 R8.0 W7.5 S8.0 OBS8.0) (God is good!)

    Jan 06 2015: EA assessment ETC (13 weeks)
    Feb 05 2015: Positive EA result (Thank you Lord!!!)
    Feb 13 2015: Air Mail received
    Feb 16 2015: Lodged EOI (65 pts)
    Feb 27 2015: Received invitation to lodge visa 189
    Mar 05 2015: Lodged visa 189
    Mar 05 2015: Visa payment charged in Credit Card
    Mar 06 2015: Submitted NBI, Mal & Id Police Clearance to agent
    Mar 11 2015: Submitted Form-80 to agent
    Mar 20 2015: Medical with family done in SG (Point Medical Paragon)
    Mar 25 2015: Medical result uploaded
    Mar 26 2015: SSS and PAG-IBIG uploaded
    May 07 2015: Visa Granted!!! (IED 24Mar2016)
    Jan 2016: BIG Move!!!
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  • DreamerADreamerA MandaluyongTotal Reaction Points: 0Member
    Posts: 146
    hello mabuti me thread na gnito na dto sa forum . sana me makasagot ulit ksi 2015 pa last conversation,planning to get insurance here in PH kso un medyo nagddlawang isip tlga kung worth it kumuha dto oinas llo na plan na tumira sa AU permanently. sana me mkapag advise ,sabe. agent sken kht daw citizen na kmi eh makukuha padn ung mga bnyad at still insured padn daw dto pinas remain thesame daw ang mga benefits sa nsurance. maraming salamt sa ma sshre.
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  • AdminAdmin SGTotal Reaction Points: 140Administrator
    Posts: 1,086
    @DreamerA Hi yes and no, depended s Insurance na kukunin mo. is it Death Insurance? Dito kasi sa SG, according sa Prudential Agent namin, regardless san bansa ka pwede ka makapagclaim. but of course currency is SGD. and patuloy ka sa mag pay ng premium.

    About the No. ung hospitalisation insurance namin dito sa SG e hindi pwede sa AU kasi once you migrate to AU, marerevok ang PR mo sa SG when the time comes. and NRIC (national id) naka tie ung hospital insurance, but in a way no sense rin kasi AU has a good medical benefit na para sa PR.
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  • DreamerADreamerA MandaluyongTotal Reaction Points: 0Member
    Posts: 146
    @Admin sir salamat sa pag response! bale ung ioffer ng sunlife VUL at ung life insurance. me kasama nadn x pag age 60 mo me makukuha ka either i pension mo x or kunin mo n ng buo. sa hospitalization un maliit lng coverage depende tlg sa bbyaran mo pro xmpre dpat ndto k pinas . un nga po pag PR nga daw at citizen ok benefits tlga jan sa AU. tama ba sir kung PR na or citizen tpos maisipan mo bmalik pinas me makukuha kapa dn tlga sa govt ng AU or wala na? dpt nasa AU tlga ? ksi mdmi dn ngssbe ung retirement i meanpag matanda kna mas Ok dAw dto pilipinas. siguro dahil ang mag aalaga satin ay paimilya natn mismo. half hearted ksi ako kumuha nung insirance iniispp ko kung worth it ba tlga. before ksi nag wwork ako me insuramce ako sa company pro ngayun wala na ksi ssunod ndn kmi ng anak ko s husband ko. wla ako insurance na sarili.
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