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A Travel Insurance Every Filipino Can Afford

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When you travel to away from your home, whether it is to the next province, the next island or a foreign destination, it is imperative that your loved ones are financially protected in case something happens to you – accident or otherwise. Even if about 66 percent of Filipinos are mindful of having insurance coverage, half of that actually have insurance coverage, regardless of amount or type. What about the others?

The Philippine Constitution has a section that specifically tells every Filipino that they need to insure themselves for the intereest of their spouse and their children. Section 10 of the Insurance Code of the Philippines defines “insurable interest” as “Every person has an insurable interest in the life and health: of himself, of his spouse and of his children; of any person on whom he depends wholly or in part for education or support, or in whom he has a pecuniary interest; of any person under a legal obligation to him for the payment of money, or respecting property or services, of which death or illness might delay or prevent the performance; and of any person upon whose life any estate or interest vested in him depends.”

Simply said, every Filipino must have a self-interest to protect his family from loss of family income because of an accident or death.

However, not many Filipinos can afford to buy insurance lumped over the course of a decade or more with huge contracted payments. The Philippine national statistics shows that the average family income is less than P20,000 a month for a household of more than 4 family members, and after deducting basic needs expenditure, the actual average savings per family is a paltry P3,500 a month.

I think the introduction of the Pioneer Insurance Travel Buddy is timely given that more than 50 percent of the population are employed or underemployed, and many of them take local and foreign trips from time and time again.

For only P100, you can be insured for P100,000 during 30 days.

Overseas Filipino Workers (OFW) can now insure themselves while traveling to their employment destination, on top of what other insurance they have that kicks in but only if they are in the country of their employment.

Filipinos traveling to other countries for a short stay like a vacation know that if they meet an accident, they have P100,000 in accident insurance from Pioneer Insurance to depend on.

Backpackers and budget travelers locally traversing the wonders of the Philippines can be protected in month they are enjoying the sights and sounds of the country.

And P100 is not even 1% of the insurance that can be claimed by you or your beneficiaries should you meet an accident or untimely death.

The benefits of getting the Travel Buddy by Pioneer Insurance are:

  • Loss of life (Php 100,000)
  • Disablement of both hands or both feet or sight of both eyes (Php 100,000)
  • Disablement of one hand and one foot or either hand or foot or sight of one eye (Php 100,000)
  • Disablement of one hand or one foot or sight of one eye (Php 50,000)

The Travel Buddy by Pioneer Insurance is solely available online. To know more about the Travel Buddy, click or visit

If you have questions, you may also write on the COMMENTS section located at the bottom of this article/blog.


Source: Pioneer Facebook | Pioneer Insurance site | | Philippine Census

Images & photos by Pioneer Insurance | user:Ohconfucius via | Kendii via


Note: This is not a paid article/blog.

IBM Philippnes Launches X6 Servers

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I was invited to attend the small group media briefing of IBM Philippines to announce their new architecture iteration to the X5 and X3950. Representing IBM was Owen Cammayo, External Relations Leader, Ricky Lopez, Country Manager for System x, and Rajesh Viliyakath, Brand Manager of System x in the ASEAN region.

System x has been the architecture brand of the IBM enterprise-grade servers since the popularity of Intel’s 8086 began with the very first IBM PC, moving up to the XT with the 80286 and eventually iterating from the 80386 till today. Of course, IBM moved out of the desktop PC market, out of the PC-oriented operating system OS2, and selling its ThinkPad laptop brand to Lenovo. The mainframes business stayed, what was the origins of the company when Thomas Watson began the company, and their move into the mid-range market introducing the AS-400 series decades ago. Since then, IBM has focused on the server market, mostly in the mid-range levels or medium to large enterprises.

Okay. Let me stop here. I’m a geek by first chance of work, having spent my first eight years of corporate work as a computer programmer when dBase, Foxpro and Turbo C++ and Pascal were the mainstream programming languages. Eventually, I moved to direct selling, then a quick year to media publishing, into telecoms and ISPs, through the call center business and today into social media. That spaghetti career has actually allowed me to experience every nook and cranny of running most types of businesses to create, and to quote my mom, “a well rounded Christian gentleman.” But going back…

The X6 is suppose to be a faster machine built primarily for reducing cost and increasing productivity in today’s cloud oriented IT space. Ahh, the cloud, that familiar word with a thousand versions of descriptions. Suffice to the day, IBM’s iteration to the X6 is built for a cloud environment that utilizes so much virtualization and occupies very, very big data. For the gnome engineers, it’s godsent; for the people living in the executive suites, more data means better information.

Here’s the nosebleed PR of X6 with three words that IBM describes it’s new server architecture: it’s FAST, it’s AGILE and it’s RESILIENT.

  • FAST means it is integrated with eXFlash memory-channel storage which is a DIMM-based storage system capable of 12.8 terabyts of ultrafast flash storage. This means increasing the performance of basic read-write requests in most software solutions;
  • AGILE means it’s modular, scalable and upgrade-friendly. Imagine starting your data center with one or a few X6 systems. When Intel iterates to a new CPU, does that mean trashing your old X6 system? IBM has developed a new way of efficiently upgrading and scaling up regardless of technology developments. Rajesh called it xBook (I hope I’m right in spelling that).
  • RESILIENT means all the current and future features of X6 systems can now provide enterprises with a much better delivery method especially in the age of the cloud environment. Faster implementation models, better performance in virtualized environments, and autonomous self-healing processor and memory systems.

Rajesh showed a few slides showing the different operating systems, virtualization solutions and data management systems that has been tested and benchmarked using the new X6 architecture. I’m all for that given big data is becoming bigger and more complex as the real world continues to build the virtual world today. One of our media colleagues touched on the data center plans of IBM in the Philippines (they are investing $1.6 billion to build regional data centers across the globe; I know the China data center is the biggest). The reps of IBM had no asnwer to that. One question in particular is the end-of-life for the X5 which Rajesh said it will happen by the end of this year.

I asked about the affordability of the X6 for small and medium enterprises (SME). Rajesh said if there is a need to go 1,000 workstations running data crunching applications, the X6 would definitely fit the need and the budget. So, for micro and small enterprise, the X6 is overkill.

But one thing lurked my mind and when Owen asked for the last question, I voiced out my question: Has the X6 been tested and benchmarked with voice applications? Consider that the Philippines has been the “Call Center Capital of the World” since the beginning of 2011; this only means there are hundreds to thousands of medium and large enterprises out there running voice oriented call center applications using high capacity servers. Wouldn’t the X6 be a wonder to the engineers, the programmers, the finance people and the decision makers when their systems carry the three battlecry words of IBM? Fast, agile and resilient.

Rajesh asked for my business card and said he would definitely get back to me on that.

Lunch was served, from salads and fish to crema de fruta and coffe. It was a far cry from the “too many people here” type of launches of information technology companies that deter attention to the speaker or presenter, and the focus on the great benefits of a product or service to the business world. The small group media briefing was just perfect.

Good job, IBM Philippines.

Photos by @raffypekson