Category: Advocacies

Rosemarie Genine, is a member of Taytay Sa Kauswagan Inc. (TSKI). She is a mother of two and has been a mobile food vendor for twenty years. Her husband, Julius, is a farmer and helps her to cook the food that they sell.

In May, Rosemarie had an accident whilst doing some carpentry for her kitchen extension. A four-inch nail slipped and hit her right eye whilst she was trying to fix some bamboo pieces.

Rosemarie went to the nearest hospital for treatment but was referred to another hospital in the city which is an hour away from her town. She was forced to transfer between hospitals in the city as there was no eye specialist available. When Rosemarie was finally admitted to the hospital, an eye operation was scheduled for the following day.

After the operation, Rosemarie was informed that there was no chance of saving the sight in her affected eye. She was discharged from the hospital after seven days and had to return for four consecutive days for checkups. Hospital bills, the cost of medicines, and transportation were huge burdens for the family. As Rosemarie is the main breadwinner, their income was significantly affected. The family had to borrow money from friends and relatives to settle the hospital bills and for Rosemarie’s medication.

The family was relieved when the TSKI branch where Rosemarie is a member, informed her that she could file a claim for accidental dismemberment against her Gold 2 and OKSure insurance policies. After submitting all the required documents, her claims for both products were approved. Rosemarie received a total benefit amount of Php 115, 000.

The claim amount helped Rosemarie and her family pay their debts and fund their business. Some of the money will also be used for the education of her two children.

Rosemarie took two months’ rest before going back to her daily routine of selling food. She might have lost sight in her eye but Rosemarie is very thankful that she’s still alive and can do her usual tasks. She fully appreciates what insurance can do during hard times.

Marlene Hontong is a food vendor in Davao City. To improve her business, she requested a loan from Taytay Sa Kauswagan Inc. (TSKI). The business loan is bundled with insurance.

One of her dependents was her sister, Marivic Mandaya, who worked in a food and beverage company. Marivic travels one hour every day just to go to work. In November 2019, like any regular day, Marivic decided to hitch a ride with their company truck which was heading in the same direction as their home. While on the road, the driver thought that Marivic was just sleeping but later noticed that she was no longer breathing. Marivic was rushed to the nearby hospital but, unfortunately, was declared dead on arrival. It was later found out that Marivic had suffered a heart attack.

This has been a sorrowful and shocking situation for Marivic’s family.

The TSKI staff informed Marlene that she was entitled to a claim since she insured Marivic under her policy. Marlene processed the necessary documents with ease and received the insurance benefit amount of Php 10, 0000 a few days after.

Marlene is grateful for the amount received and said that it helped them in some ways, especially in paying for the funeral expenses.

“Insurance, somehow, made that tough situation a little lighter for us,” Marlene said.

She was happy to endorse the services of TSKI and the insurance to her friends since she experienced it first-hand.

Ma. Anadith Solinap, 42 years old, is a teacher who lives in Banate, Iloilo. She has nothing more to ask in life but to secure the future of her children, which she and her husband, Randy Solinap, 46, worked hard for.

On 23 January 2017, an unfortunate event happened when Randy was reportedly involved in a vehicle accident. Randy was rushed to the hospital but died the next day, leaving the sole responsibility of their children to Anadith.

Without Anadith’s knowledge, Randy had insurance. As the leader of the organization that consists of farmers and a member of Taytay Sa Kauswagan, Inc. (TSKI) Farmers Integrated Development Assistance (FIDA) program, which addresses the need of rural farmers, Randy had the privilege to have a loan with a corresponding insurance policy.

A representative from FIDA informed Anadith that she was entitled to claim the benefit of her husband’s insurance. Randy was covered by two insurance products: Gold Plan 2, which covers TSKI members with life and personal accident insurance; and Trenta Bonanza, TSKI’s anniversary program which provides clients with accidental death and dismemberment insurance and a chance to avail of special anniversary gifts. Both products were offered by TSKI to its clients in partnership with InsuranceKo (then MicroEnsure).

With assistance from the FIDA representative, Anadith prepared all of the required documents to avail of the insurance benefits. Her claims were approved a few days after she completed all of the requirements. Anadith received a total of Php 350,000.00. Though in grief due to the loss of her husband, Anadith still chose to continue pursuing the desire to secure the future for their children. “The amount I claimed is a great help”, she said.

Randy may not have been there to personally help her along the way but he made sure that in an unfortunate and challenging time, his family had the means to recover.

May Jane Pulmones, 44, was a long-time borrower of Taytay Sa Kauswagan Inc. (TSKI) in Pototan, Iloilo. She borrowed money to help her husband, Meliton, develop their rice farm.

Unfortunately, in 2015, Mary Jane was diagnosed with diabetes which affected her eyesight and a few years later, she developed a long-term complication, leukemia.

Mary Jane had been in and out of the hospital for four years. On 25 July 2019, her doctor told her family that she had little chance of surviving. With consent from the physician, the family decided to bring Mary Jane home where she died six days later.

Meliton, as Mary Jane’s next of kin, was informed by TSKI staff that he was entitled to claim the insurance benefits of Mary Jane under Gold Plan 2, insurance coverage to which she was entitled as a member of TSKI.

After completing the requirements, he received benefits amounting to Php 100, 000.

When asked how the claim money will help him and his family, Meliton said that it will help them pay their debts and commented:

“I only hear good things before about your insurance but now I have personally seen its importance and how helpful it is during this kind of situation.”

About the product

Gold Plan 2 is an insurance product bundled with the loans of renewing clients of TSKI which covers the principal member and five dependents with life and accidental death and dismemberment insurance.