LifeWise Advisor

11/09/2025

"Wala jd ko nagmahay na gi kuhaan nako sila tanan og insurance." - Daughter (tigbayad)

Story time...
It is literally an overwhelming feeling everytime nga naa koy matabangan nga cliente hilabi na dili lalim mahospital karong panahona. As I promised to them nga sugod nga nisalig ka nako, "in sickness and health" mu-assist jud ko ninyo. Tood man kani na case is something to ponder. I have already experienced heartaches sa HMO(Individual) kay once ang imoha plan dili pa makagraduate sa contestability period, any Pre-existing conditions kay dili jud na sila mo covered. That is the hard truth here in Philippines.
To this case, si client kay wala pa naka 1yr ug bayad it means naa pa sya sa contestability period but upon diagnosis, the illness was not a pre-existing which is Acute Suppurative Appendicitis. Needed na dayon operahan and a bit delayed na kay on-leave ang Liaison wala na assist, with my assistance nahatagan ra dayon ug LOA ang hospital (THANK YOU LORD).
Upon discharge, Medicard sent an updated LOA which covers those within the inner limits and THANKS GOD dako2 ang g.cover sa iyaha HMO. Also, thank you Philhealth kay almost 50k ang imoha.
This is not just a wake-up call to me and my client's daughter, this incident made us deepened our understanding and realization how truly important that we need to have a back-up plans. Not just plan A but all the letters in the alphabet.
I truly amaze jud nimu Ms. Mhy. Your love to your family is indeed unconditional. Daghang salamat sa imohang patience ug pagsabot sa situation. 😇

Thank you also to Sir Budz (Medicard BDM-Mindanao) and to Cecilia (Inpatient-Liaison)

03/07/2025

AT LEAST 10 colleges and universities in Cebu will implement a tuition fee increase amounting to 4.4 percent for academic year 2025-2026.

The 10 schools were among the 14 private higher education institutions (PHEI) in Central Visayas whose application to increase tuition and other school fees (TOSF) has already been approved by the Commission on Higher Education in Central Visayas (Ched 7). The agency is withholding the names of the schools due to the ongoing application process.

Ched 7 Education Program Specialist Maria Antonette Reyes, in an interview with SunStar Cebu on Wednesday, July 2, 2025, said 20 private schools in the region applied for an increase in their TOSF across all levels.

But so far, only 14 of the 20 PHEIs applying for TOSF adjustments had been approved as of Wednesday.

In Cebu City, nine private schools applied, six were approved, while the three remaining PHEIs still await Ched’s decision.

In Cebu Province, five private schools applied for TOSF increase, four were approved.

While six schools applied in Bohol and four applications had been approved, so far.

According to Reyes, the approved TOSF increase has been limited to 4.4 percent to align with the regional inflation rate.

She said before the regional inflation rate was released, some schools initially applied for a higher increase. However, they have reduced it and set it within the 4.4 percent regional inflation rate.

Reyes explained that the hike in tuition fees will be used for specific allocations.

Seventy percent of proceeds from the increase will be allocated for the salaries and wages of school employees, both non-teaching and teaching staff.

Reyes said 20 percent will be used for school improvement; while the remaining 10 percent will serve as “return on investment” for the institution. (Necolyn Claire Balansag, CNU Intern)

AT LEAST 10 colleges and universities in Cebu will implement a tuition fee increase amounting to 4.4 percent for academic year 2025-2026.The 10 schools were amo

01/07/2025

On to the next amazing run, Alex! Keep swinging - we're behind you! 🇵🇭

01/07/2025

Approved protection application for a DepEd employee here at Madridejos, Cebu with an estimated total of benefits 5,760,000.00 insurance coverages until 100 yrs old and have savings component.

At a young age, client's considered this one after her realization that being young is advantage for an affordable amount.

Thank you for the trust and confidence.