{"id":7306,"date":"2021-01-03T09:00:05","date_gmt":"2021-01-03T01:00:05","guid":{"rendered":"http:\/\/sedpi.com\/en\/?p=7306"},"modified":"2021-01-02T15:08:38","modified_gmt":"2021-01-02T07:08:38","slug":"forms-of-insurance","status":"publish","type":"post","link":"https:\/\/sedpi.com\/en\/forms-of-insurance\/","title":{"rendered":"Forms of insurance"},"content":{"rendered":"<p>May apat na forms ang insurance \u2013 formal, informal, public at hybrid.<\/p>\n<p>Pooling of risks over a large number of similar units such as households, persons or businesses ang insurance. Inispread ang risk para ang financial loss ay hindi pasan lamang ng iisa kundi ng marami.<\/p>\n<p><b>Formal insurance<\/b><\/p>\n<p>Galing sa corporations and cooperatives ang formal insurance. Formal insurance ang tawag sa kanila dahil sila ay regulated ng Insurance Commission.<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-5363 alignleft\" src=\"https:\/\/i0.wp.com\/vincerapisura.com\/wp\/wp-content\/uploads\/2018\/01\/insurance-product-300x150.jpg?resize=300%2C150&#038;ssl=1\" alt=\"\" width=\"300\" height=\"150\" \/>A cooperative is owned by members. Ang corporation on the other hand is a capitalist at profit-led. Mayroon ding Mutual Benefit Association (MBA) under formal insurance. Ito ay mga non-profit forms ng insurance companies sa Pilipinas.<\/p>\n<p>Para sa akin, ang gusto ko talaga ay MBA o di kaya\u2019y cooperative kasi hindi profit ang nauuna. Iyong kapakanan ng tao ang nangunguna.<\/p>\n<p><b>Informal Insurance<\/b><\/p>\n<p>\u201cDamayan-based\u201d scheme ang informal insurance. In Ilocano, damayan means \u201csaranay\u201d. Sa mga Bisaya, ito ay \u201cdayong\u201d. Sa mga Muslim brothers and sisters natin, ang tawag dito ay \u201ctakaful.\u201d<\/p>\n<p><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-1469 alignright\" src=\"https:\/\/i0.wp.com\/vincerapisura.com\/wp\/wp-content\/uploads\/2017\/06\/help-300x225.jpg?resize=300%2C225&#038;ssl=1\" alt=\"\" width=\"300\" height=\"225\" \/>Mahaba na talaga ang kasaysayan ng insurance dito sa Pilipinas. Dahil ingrained sa ating mga Pilipino ang damayan. Ginulo lang ito nga mga Westerners dahil ang ginawa nila itong for profit na siyang mas namamayagpag ngayon. Sa akin, ang insurance ay hindi dapat for profit.<\/p>\n<p><b>Public Insurance<\/b><\/p>\n<p>Idinagdag ko ito dahil ito ang mga social safety nets o social insurance schemes na ibinibigay ng gobyerno para sa atin. Examples nito ay ang mga insurance benefits \u2013 health, sickness, disability, unemployment, death etc. mula sa Pag-IBIG, PhilHealth at SSS.<\/p>\n<p><b>Hybrid Insurance<\/b><\/p>\n<p>Combination of both formal and informal forms ang hybrid insurance. Pinaghalo ang dalawa. May mga programa ding bukod sa formal at informal ay idinadagdag ang public insurance tulad ng Social Welfare Protection Program (SWEPP) ng SEDPI.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>May apat na forms ang insurance \u2013 formal, informal, public at hybrid. Pooling of risks over a large number of similar units such as households, persons or businesses ang insurance. Inispread ang risk para ang financial loss ay hindi pasan lamang ng iisa kundi ng marami. Formal insurance Galing sa corporations and cooperatives ang formal [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":7308,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"enabled":false},"version":2}},"categories":[4],"tags":[9,8,69,32,12,31,30,29],"class_list":["post-7306","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-literacy","tag-learning-wealth","tag-financial-literacy","tag-insurance","tag-social-entrepreneur","tag-social-entrepreneurship","tag-social-investor","tag-usapang-pera","tag-vince-rapisura"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Forms of insurance - Social Enterprise Development Partnerships, Inc.<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/sedpi.com\/en\/forms-of-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Forms of insurance - Social Enterprise Development Partnerships, Inc.\" \/>\n<meta property=\"og:description\" content=\"May apat na forms ang insurance \u2013 formal, informal, public at hybrid. Pooling of risks over a large number of similar units such as households, persons or businesses ang insurance. Inispread ang risk para ang financial loss ay hindi pasan lamang ng iisa kundi ng marami. 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Pinaghahati-hatian ng maraming ang risks \u2013 tulad ng kamatayan, pagkakasakit, aksidente, kalamidad \u2013 para ang financial loss ay hindi pasan lamang ng iisa kundi ng marami tao. Term insurance Upon death of\u2026","rel":"","context":"In &quot;Financial Literacy&quot;","block_context":{"text":"Financial Literacy","link":"https:\/\/sedpi.com\/en\/category\/financial-literacy\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2021\/01\/vr-articles-201225-kinds-of-insurance.png?fit=1200%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2021\/01\/vr-articles-201225-kinds-of-insurance.png?fit=1200%2C628&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2021\/01\/vr-articles-201225-kinds-of-insurance.png?fit=1200%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2021\/01\/vr-articles-201225-kinds-of-insurance.png?fit=1200%2C628&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2021\/01\/vr-articles-201225-kinds-of-insurance.png?fit=1200%2C628&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":7313,"url":"https:\/\/sedpi.com\/en\/microinsurance-abot-kayang-klase-ng-insurance\/","url_meta":{"origin":7306,"position":1},"title":"Microinsurance: Abot-kayang klase ng insurance","author":"Mariel Vincent Rapisura","date":"January 4, 2021","format":false,"excerpt":"Pinaka-essence ng insurance ang pooling of risks over a large number of similar units such as households, persons or businesses. Inispread natin ang risk para yung financial loss ay hindi lang sa atin tatama. Insurance should not be treated as an investment Hindi dapat pinagkakakitaan ang insurance dahil hindi ito\u2026","rel":"","context":"In &quot;Financial Literacy&quot;","block_context":{"text":"Financial Literacy","link":"https:\/\/sedpi.com\/en\/category\/financial-literacy\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2021\/01\/vr-articles-201225-microinsurance.png?fit=1200%2C628&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2021\/01\/vr-articles-201225-microinsurance.png?fit=1200%2C628&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2021\/01\/vr-articles-201225-microinsurance.png?fit=1200%2C628&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2021\/01\/vr-articles-201225-microinsurance.png?fit=1200%2C628&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2021\/01\/vr-articles-201225-microinsurance.png?fit=1200%2C628&ssl=1&resize=1050%2C600 3x"},"classes":[]},{"id":7357,"url":"https:\/\/sedpi.com\/en\/sedpi-opisina-ni-senator-risa-hontiveros-nag-abot-ng-tulong-sa-mga-nasalanta-ng-bagyong-vicky\/","url_meta":{"origin":7306,"position":2},"title":"SEDPI at Opisina ni Senator Risa Hontiveros Nag-abot ng Tulong sa mga Nasalanta ng Bagyong Vicky","author":"Mariel Vincent Rapisura","date":"January 8, 2021","format":false,"excerpt":"\"Sagol nerbyos hadlok lagi kay basi manganaod kay paspas kaayo ang pag taas sa tubig og sulod kaayo.\u201d\u00a0 \"Magkahalong nerbyos at takot dahil baka maanod kasi mabilis ang pagtaas ng tubig at pumapasok talaga.\" Ito ang naramdaman ni Roxanne Amigo habang rumaragasa ang baha na dala ng bagyong Vicky. Kasama\u2026","rel":"","context":"In &quot;Financial Inclusion&quot;","block_context":{"text":"Financial Inclusion","link":"https:\/\/sedpi.com\/en\/category\/microfinance\/financial-inclusion\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2021\/01\/OSRH-Liwanag-at-Lingap.jpg?fit=960%2C540&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2021\/01\/OSRH-Liwanag-at-Lingap.jpg?fit=960%2C540&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2021\/01\/OSRH-Liwanag-at-Lingap.jpg?fit=960%2C540&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2021\/01\/OSRH-Liwanag-at-Lingap.jpg?fit=960%2C540&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":7352,"url":"https:\/\/sedpi.com\/en\/sedpi-ambagan-ph-tumulong-sa-mga-nasalanta-ng-bagyong-vicky\/","url_meta":{"origin":7306,"position":3},"title":"SEDPI at Ambagan PH Tumulong sa mga Nasalanta ng Bagyong Vicky","author":"Mariel Vincent Rapisura","date":"January 7, 2021","format":false,"excerpt":"Agad na nag-abot ng tulong ang SEDPI at Ambagan PH sa 1,884 na nasalanta ng bagyong Vicky sa Agusan del Sur at Surigao del Sur.\u00a0 Matapos ang tuloy-tuloy na ulan na dulot ng bagyong Vicky sa Mindanao nagdulot ito ng pagbaha at landslide.\u00a0 Kasama sa naapektuhan ay ang mga residente\u2026","rel":"","context":"In &quot;Financial Inclusion&quot;","block_context":{"text":"Financial Inclusion","link":"https:\/\/sedpi.com\/en\/category\/microfinance\/financial-inclusion\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2021\/01\/SEDPI-at-Ambagan-PH-Tumulong-sa-mga-Nasalanta-ng-Bagyong-Vicky-1.jpg?fit=960%2C720&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2021\/01\/SEDPI-at-Ambagan-PH-Tumulong-sa-mga-Nasalanta-ng-Bagyong-Vicky-1.jpg?fit=960%2C720&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2021\/01\/SEDPI-at-Ambagan-PH-Tumulong-sa-mga-Nasalanta-ng-Bagyong-Vicky-1.jpg?fit=960%2C720&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2021\/01\/SEDPI-at-Ambagan-PH-Tumulong-sa-mga-Nasalanta-ng-Bagyong-Vicky-1.jpg?fit=960%2C720&ssl=1&resize=700%2C400 2x"},"classes":[]},{"id":974,"url":"https:\/\/sedpi.com\/en\/paano-ba-yumaman\/","url_meta":{"origin":7306,"position":4},"title":"Paano ba yumaman?","author":"Mariel Vincent Rapisura","date":"May 14, 2015","format":false,"excerpt":"Loading... Alamin\u00a0ang mga sikreto sa pagyaman tulad ng: * Pagiwas sa\u00a0abuso sa perang pinapadala * Pagimpok ng pang-emergency at pang retirement * Pagi-invest nang tama at pagiwas sa mga scam * Mga ugaling nakapagpapayaman * Pagba-budget nang tama at may priority * Pagpili ng angkop na insurance * Paggawa ng\u2026","rel":"","context":"In &quot;Financial Literacy&quot;","block_context":{"text":"Financial Literacy","link":"https:\/\/sedpi.com\/en\/category\/financial-literacy\/"},"img":{"alt_text":"paano ba yumaman promo","src":"https:\/\/i0.wp.com\/sedpi.com\/wp-content\/uploads\/2015\/05\/paano-ba-yumaman-promo-300x224.png?resize=350%2C200","width":350,"height":200},"classes":[]},{"id":20987,"url":"https:\/\/sedpi.com\/en\/sedpi-tumutugon-sa-kalamidad-relief-operations-at-pagsusulong-ng-resilient-housing-sa-davao-del-norte-at-agusan-del-sur\/","url_meta":{"origin":7306,"position":5},"title":"SEDPI, Tumutugon sa Kalamidad: Relief Operations at Pagsusulong ng Resilient Housing sa Davao del Norte at Agusan del Sur","author":"Emilenn Kate Sacdalan-Pate\u00f1o","date":"March 20, 2023","format":false,"excerpt":"Nitong ika-16 ng Marso, 2023, nagsagawa ang Social Enterprise Development Partnerships Inc. (SEDPI) ng relief operations sa mga lugar na apektado ng Low Pressure Area sa Carmen, Davao del Norte at Prosperidad, Agusan del Sur. Ang organisasyon ay tumugon sa mga pangangailangan ng mga tao sa mga apektadong lugar sa\u2026","rel":"","context":"In &quot;Financial Inclusion&quot;","block_context":{"text":"Financial Inclusion","link":"https:\/\/sedpi.com\/en\/category\/microfinance\/financial-inclusion\/"},"img":{"alt_text":"","src":"https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2023\/03\/Sablay-Ka-Ba-sa-Retirement-Planning-Baka-Hindi-Mo-Kasalanan-Pero-May-Magagawa-Ka-Pa.png?fit=1200%2C675&ssl=1&resize=350%2C200","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2023\/03\/Sablay-Ka-Ba-sa-Retirement-Planning-Baka-Hindi-Mo-Kasalanan-Pero-May-Magagawa-Ka-Pa.png?fit=1200%2C675&ssl=1&resize=350%2C200 1x, https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2023\/03\/Sablay-Ka-Ba-sa-Retirement-Planning-Baka-Hindi-Mo-Kasalanan-Pero-May-Magagawa-Ka-Pa.png?fit=1200%2C675&ssl=1&resize=525%2C300 1.5x, https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2023\/03\/Sablay-Ka-Ba-sa-Retirement-Planning-Baka-Hindi-Mo-Kasalanan-Pero-May-Magagawa-Ka-Pa.png?fit=1200%2C675&ssl=1&resize=700%2C400 2x, https:\/\/i0.wp.com\/sedpi.com\/en\/wp-content\/uploads\/2023\/03\/Sablay-Ka-Ba-sa-Retirement-Planning-Baka-Hindi-Mo-Kasalanan-Pero-May-Magagawa-Ka-Pa.png?fit=1200%2C675&ssl=1&resize=1050%2C600 3x"},"classes":[]}],"_links":{"self":[{"href":"https:\/\/sedpi.com\/en\/wp-json\/wp\/v2\/posts\/7306","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sedpi.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sedpi.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sedpi.com\/en\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/sedpi.com\/en\/wp-json\/wp\/v2\/comments?post=7306"}],"version-history":[{"count":3,"href":"https:\/\/sedpi.com\/en\/wp-json\/wp\/v2\/posts\/7306\/revisions"}],"predecessor-version":[{"id":7310,"href":"https:\/\/sedpi.com\/en\/wp-json\/wp\/v2\/posts\/7306\/revisions\/7310"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sedpi.com\/en\/wp-json\/wp\/v2\/media\/7308"}],"wp:attachment":[{"href":"https:\/\/sedpi.com\/en\/wp-json\/wp\/v2\/media?parent=7306"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sedpi.com\/en\/wp-json\/wp\/v2\/categories?post=7306"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sedpi.com\/en\/wp-json\/wp\/v2\/tags?post=7306"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}