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OFWs Decry Added Burden as PhilHealth Increases Premiums to 3% of Monthly Salary

Overseas Filipino workers (OFWs) decry the added financial burden they are experiencing as PhilHealth pushes through with its plan to increase premiums starting this year, charging 3% of their monthly salary!

PhilHealth Increases OFW Contributions

According to PhilHealth Circular No. 2020-0014 entitled “Premium Contribution and Collection of Payment of Overseas Filipino Member”, OFWs whose monthly income ranges from Php10,000 to Php60,000 need to pay 3.0%. That is an increase from 2.75% in 2019.

While 3% might not appear to be big on paper, it actually is an added burden to OFWs because the actual amount is actually big!

Philhealth increase premiums
Photo credit: ABS-CBN News

For example, Filipino domestic workers who usually earn around Php20,000 ($400) per month must pay Php600 ($12) per month or a total of Php7,200 ($145) per year as PhilHealth coverage. Considering the many contributions that OFWs have to pay before going abroad, this amount is already a huge burden to pay.

But that’s just for those earning Php20,000!

Overseas Filipinos who earn more than Php60,000 must pay Php21,000 ($420) for annual PhilHealth premiums.

What’s worse, this is just the beginning. If you already feel that 3% is a big burden, wait until you realize that the premiums are going to gradually increases each year from 2019 to 2025. It started with 2.5% in 2019, growing to 3% in 2020 but will be 3.5% in 2021, 4% in 2022, 4.5% in 2023, 5% in 2024 and 2025!

Philhealth increase premiums
Photo credit: PhilStar

From the same examples above, the domestic helper earning Php20,000 a month will be paying Php1,000 per month or Php12,000 per year! Likewise, the OFW earning more than Php60,000 will have to pay Php3,000 a month or Php36,000 per year!

Obviously, those who earn more need to pay more. The income ceiling will be set at Php100,000 by 2024. By then, anyone earning Php100,000 above will pay Php5,000 a month or a whopping Php60,000 a year!

Photo credit: Philippine Health Insurance Corporation / Facebook

OFWs Seeking for Repeal

OFWs launched a petition to seek repeal of this circular. On Change.org, nearly 300,000 have signed the on-going online petition entitled, “Remove Philhealth Mandatory 3% Premium Payment from OFW’s salary.

“I believe that we OFWs and our dependents have been already struggling amidst this Pandemic and yet Philhealth had issued a very unfair memo regarding premium payments.

I believe that this is already too much of them to ask for an interest rate and a penalty which is very unfair and inhumane for those who travel away from their families to work. It is very unfortunate that they call OFWs modern heroes and yet they penalize us with such directives.

We urge the Philippine Health Insurance Corporation (Philhealth) to reverse this directive as this is unfair and an abuse to our migrant workers.”

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Fake Delivery Rider Tries to Scam Frequent Shopee Buyer

A scammer tried to dupe a frequent Shopee buyer for Php3,499 but he left emptyhanded after the guy noticed that the package clearly looks so fake!

Fake Delivery Rider Tries to Scam Shopee Buyer

These days, it is so easy to buy something you need and have it delivered at home. You can shop for almost anything you want even without leaving the comforts of your home – and you don’t even have to deposit the payment first, for most cases.

Photo credit: Jay Jazon / Facebook

But the system of “cash on delivery” (COD) on many online platforms has given scammers a way to earn some quick, dishonest cash. These scammers prey on people who often make orders on these online shops and might not notice that they are paying for an order they did not make.

Netizen Jay Jazo shared the experience he had with what appears to be newbie scammers who arrived at his house carrying a package with his name written using a pentel pen. The address was incomplete, just “1200 Camba” and the amount was written out as “3499 php”.

Photo credit: Jay Jazon / Facebook
Photo credit: Jay Jazon / Facebook
Photo credit: Jay Jazon / Facebook

Jay has some pending orders that he’s waiting for, yet he also knows that he doesn’t have an order worth Php3,499. Moreover, as a frequent Shopee buyer, he knows that the package doesn’t look like something you’d get from an online store. There’s no barcode or waybill on the package. Only the supposed buyer’s name was there; no information about the seller or the order number.

Photo credit: Jay Jazon / Facebook
Photo credit: Jay Jazon / Facebook

A bit scared, Jay quickly closed the door to inspect the item before telling the fake delivery rider that he doesn’t have an order. After the guy left, they followed him and saw that he was just walking! There’s a rider who fetched him several meters away from the house, but the two appeared to have realized that the fake rider was being followed.

Photo credit: Jay Jazon / Facebook
Photo credit: Jay Jazon / Facebook

Jay shared the experience as warning to others so they won’t fall for this kind of modus operandi.

Fake Package Delivery Scam

Don’t be fooled by the fake package delivery scam. Here’s what you can do:

  • Always track your packages from online shops.
  • Don’t give out personal information to callers, even if they sound like a real delivery rider.
  • Check the packaging for clues. Real orders have a proper waybill, with information like your complete name, address, and phone number.
  • Tell family members or other housemates to never pay for orders delivered when you’re not around, unless you tell them beforehand or if they could confirm it with your first.
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Concerned Citizens Break Car’s Glass to Save Two Kids Left by Parents

Two kids were rescued from a hot car after concerned citizens broke the glass to save their lives. The two young children were left by their parents inside the car which was turned off and locked.

Kids Left in Hot Car by Parents

There are so many people who are not aware of the dangers of leaving children or pets inside a locked car with the air conditioning turned off and the windows closed. Not everyone is aware how hot it can quickly become inside that car, even if the weather isn’t too hot.

So, just imagine how hot it could become and how much oxygen will be left inside the vehicle on a very hot day!

Photo credit: Philippines CCTV & DASH CAM Spotted

In a video shared by Philippines CCTV & DASH CAM Spotted, several concerned citizens could be seen surrounding a Suzuki Ertiga that’s parked near business establishments at a still undisclosed location. It turned out that some passersby noticed the small kids inside the car and were concerned over their condition inside the locked vehicle.

The concerned citizens could be heard speaking in Visayan, telling each other that the best course of action is to break the car’s glass because doing it without damage to the vehicle was taking them a very long time. The kids inside could be seen looking weak and sweaty.

Photo credit: Philippines CCTV & DASH CAM Spotted

Acting as fast as they could to save the children, they broke the glass window at the driver’s seat. With the window broken, they rushed to remove the car seat of the baby and moved it inside an air-conditioned establishment near where the car was parked.

Another person picked up the elder sister, still a toddler, and also brought her to the establishment where they were both given water.

Photo credit: Philippines CCTV & DASH CAM Spotted

The video did not show what happened next or how the parents reacted once they learned what these concerned citizens happened. But everyone is furious at the irresponsible parents and thankful that the kids were safe.

What Happens to Kids in a Hot Car?

Kids’ bodies actually heat up more quickly, about 5x, than adult’s bodies. When left in a hot car, kids’ major organs could begin to shutdown at 40 C. You could easily lose the child as temperatures rise to 41.5 C!

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Top Advantages of Using Solar Power at Home

Just like other sources of energy, solar power has its own sets of advantages and disadvantages. But even if the costs are usually high in putting it up, there is a great return on investment and you could actually save a lot of money in the long run.

Here are some of the top advantages of using solar power at home.

Lower or Eliminate Your Electricity Bills

Depending on what system you are planning to set up on your roof and the actual usage, you could either lower or eliminate your electricity bills. It is possible that you won’t generate 100% of the electricity you need but you’ll certainly see a huge slash from your monthly bills.

Power Even on Brownouts

Not all solar power systems work this way because there are those that are still connected/tied to the power company and doesn’t store the electricity produced during the day. But if you truly want to save money and have power even on brownouts, get the one with batteries. It costs higher but will be more useful in the long run.

Harness the Power of the Sun, Save the Environment

According to SolarGain, installing a 1kW solar power system helps reduce your carbon footprint and prevents the release of 1.5 tonnes of carbon a year. This sustainable system lets you harness the power of the sun and help save the environment.

Great Investment

Most suppliers offer a warranty for 20 to 25 years on your solar power system. This makes it a great investment for your home. Moreover, having solar power adds value to your home.

In some places, the government offers a subsidy or tax breaks or even cashback options for those who set up solar power at home. Take advantage of such offers if available in your area.

Incentives may actually go away and it may not actually pay to wait for too long,” says Vikram Aggarwal, CEO of EnergySage.

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