Benefits of Investing on Microinsurance for PUJ Drivers

Our beloved PUJ drivers are our everyday lifesavers. No taxi or app-based rides nearby? No worries, as our local jeepney drivers are here to the rescue. Depending on the route and distance, you would only have to pay a few amounts just to get to your destination, may it be work or school. In the perspective of a jeepney driver, every day is a rough day; imagine dealing with traffic, extreme heat, breakdowns at the side of the road, and long driving hours. And to think that there are far more worrisome things that can happen on the road. Accidents may strike without warning and our beloved Jeepney drivers are always on the frontlines. With all of that in mind, it would be appropriate to mention that a microinsurance service would be most needed by all PUJ drivers. You may ask, why? What would be the benefits if they were to avail one? Well, no need to look further, as we had enumerated a few of them:

1. It has a wide array of coverage involving accidents on the road.

We mentioned that accidents can happen with no warning, so it’s better to be prepared at all times. Accidental Death, Disablement & Dismemberment (ADD&D), and Permanent Total Disability (PTD) are just some of the prime results of a road accident, and believe it or not, they are all included in microinsurance coverage. Isn’t that amazing? Their families would never have to worry about the huge expense that comes after an accident, as microinsurance would handle those types of burden in the long run.

wide-array-coverage-accidents

2. Get high benefits at a low premium.

Microinsurance was basically made for those who are earning below the average pay, hence is tailor-fitted to PUJ drivers who risk their lives on the road, yet earn only a few hundreds per day. With the low fee offered by microinsurance services, they would finally be able to invest in a service that is definitely worth every centavo of their hard-earned money, a service that cares.

3. A fair amount provided by the coverage itself.

We had mentioned a few of the coverage before, now; here are the amounts to be shouldered in the offset of an accident. Let us use Cebuana Lhuillier’s TODACARE as an example:

Coverage Option 1 Option 2 Option 3
Accidental Death, Dismemberment & Disablement 50,000 75,000 100,000
Permanent Total Disability 50,000 75,000 100,000
Murder and Unprovoked Assault 50,000 75,000 100,000
Accident Medical Reimbursement 3,000 5,000 10,000
Burial Benefit (Accident/ Sickness) 5,000 7,500 10,000
Daily Hospital Income 100 200 300
Premium (including taxes) 165.00 235.00 325.00

4. Easy and fast processing.

No one wants to wait in long lines. Again, let us focus on Cebuana Lhuillier, as not only do they offer low premiums, but they also made their services convenient to lessen the distress and hassle faced by Filipinos. Deciding to purchase policy insurance is made easy by visiting any Cebuana Lhuillier branch near you, submitting the documents needed and signing the necessary paper works. Now, how’s that for an easy process?

With all of that being said, why not go for a top, reliable service and microinsurance that only the best has to offer. TODACARE is a Group Personal Accident Insurance specially designed for transport group leaders, officers and members. It covers Accidental Death, Disablement & Dismemberment (ADD&D), Permanent Total Disability (PTD), Unprovoked Murder & Assault (UMA), Accident Medical Reimbursement (AMR), Burial Benefit (accident/sickness) and Accident Daily Hospital Income (DHI). Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

Image Source:
https://phdesire.files.wordpress.com/2014/09/jeepney.jpg
https://www.pexels.com/photo/accident-action-auto-automobile-220996/

The Role of Mobile in International Money Remittance

Technology gave us many conveniences in the past few years. We were given social media, high-end cellphones, self-controlled cars, drone cameras, and even self-beautifying camera filters. Out of all these innovations, many were wondering if we can ever achieve wireless money remittance. After all, the advent of wireless bill payments is already a trending and well-accepted thing now. So why couldn’t money remittance get the same amount of ingenuity as well? Worry no more, as according to a recent study, the role of cellphones as a driving force in international money remittance is just getting its piece of the spotlight.

Here are just a few excerpts from the recent study. The results may amaze you:

The 2016 study from Juniper research states, “Over the past two years there’s been fast growth in international remittance due to the increase in the number of cross-border mobile services being implemented.

As more people transition into using mobile transfers more frequently and begin sending higher amounts globally, mobile remittance services will continue to diversify and evolve to offer more user-friendly solutions.”

In short, compatibility and reachability is enabling us all to use our mobile phones more freely than before, now entering the realm of finances and remittance. We should not even forget that there are many OFWs abroad; hence, it wouldn’t be surprising that there would indeed be an increase in the usage of mobile money remittances.

solution-mobile-money-remittance

You might be thinking, okay, so are there any other reasons for international remittance to go mobile? Yes, there is. As a matter of fact, the Juniper research also states that,” Over 2 billion people worldwide are still unbanked, unable to save or borrow money from micro-finance or larger institutions due to the economic state of the countries they reside in or geographical location that puts them out of reach of many banking services, the question fueling the future of finance is how can the industry tap into servicing not only the current users but those who could substantially benefit from financial solutions?

The common link between current financial customers and potential consumers is a mobile phone. At present if you wish to send money via an offline method to some of the world’s most far flung and impoverished nations the process can be difficult not to mention slow.”

So, with mobile phones linking us all via social media, the same can be said for financial transactions, linking one family member to another. There are always safety measures to ensure that all our transactions are safe. With just a few years of progress, both the conditions of our personal information and remittances are no doubt, going to be in safer hands.(Source: https://blog.riamoneytransfer.com/role-mobile-playing-international-remittance/)

With all of that being said, why not get into the trend? Treat yourself to the convenience and hassle-free service that only the best has to offer. Cebuana Lhuillier introduces its Mobile App that will enable clients to use their mobile devices in availing Cebuana Lhuillier 24KOnline services like Appraisal Calculator, Renewal/Redemption, Rates Inquiry, Remittance Tracking and more. Download it now via Google Play!

Image Source:
https://www.pexels.com/photo/iphone-technology-iphone-6-plus-apple-17663/
https://www.pexels.com/photo/lights-night-bokeh-focus-63572/

The Do’s and Don’ts When Loaning Money to Fund Your Travels

So you’ve already received your loan for your planned vacation. It’s easy to get excited and to immediately hop on the plane towards your destination; however, there are a few pointers that you should consider before leaving your home. Many vacationers and tourists make the critical mistake of not budgeting their travel funds, hence why they always end up shorthanded or with no extra cash left for souvenirs. With that being said, we had laid out a few do’s and don’ts when loaning money to fund your travels. You should be able to follow such tips as they are similar to the other basic travel tips that you may have come across already:

1. Be aware of international charges

Before you leave for your destination, be sure to check on fees that banks impose on credit card and debit card usage overseas. Remember, carrying huge amounts of cash isn’t necessarily practical, but paying for international charges is also an unwanted part of your expenditures. Also take note of the service fees, as establishments in other countries will surely have the liberty of asking for them, especially in tourist spots, where they typically view travelers and foreigners as rich and well-off travelers.

2. Check the conversion rates

There are always money changers stationed in the airports. Make sure to regularly check the currency conversion rates. It was once advised that “you might find a good deal of rates in malls compared to those money changers in the airport or your country of destination.” Of course, this would still depend on the country or location; nonetheless, make sure that you have money in the form of your destination’s currency.

funding-travel-loan-money

3. You may choose a local sim card to avoid high call and text rates

Similar to the first pointer, international rates would always differ than that of the local rates that you’re used to. In such case, call and texts are no exception. Be wise in choosing whether or not you’ll still be using your country’s SIM, or just avail the SIM of your destination country. You can also ask about international roaming charges of our local cellular services as rates may be higher depending on the country of travel.

4. Plan your travel destinations ahead of time

When planning to go on a vacation, it is always wise to consider all of your expenses. This doesn’t mean you would just list down the cost of transportation, as even the place you would have to stay in (commonly known as accommodations) during your vacation would also add to your expenses, and the more exclusive the room is, the higher its price. Go for an accommodation that is near your exact vacation spot to avoid further travel cost.

When you’re hoping to get funds for your dream vacation, look no further than Cebuana Lhuillier’s Happy Loan, a multi-purpose loan amounting to Php 5,000, Php 10,000 or Php 15,000 offered to any individual who is employed, self-employed, student, or a remittance beneficiary. Our network of more than 2,200 Cebuana Lhuillier branches and online presence give customers unlimited access and utter convenience in applying for a loan. Our five-point application to disbursement process ensures services are delivered on time.

Financial Goals to Aim for This 2018

The year is almost over and you’re still trying to think of a good New Year’s Resolution. While majority of us would choose to watch our health and diet, there are some who are looking to develop their own financial growth. Earn more, save more, and spend less, that’s the key to obtaining a healthy savings account. In such case, you may be wondering, how may I accomplish this said financial growth? What are the specific things that I should do in order to achieve this? Well, look no further, as we had enumerated a few financial goals that you can focus on this coming 2018. Add these items to your New Year’s Resolution and be financially healthy all year long:

1. Plan your budget as early as now.

The economic blows we had this year had taught us a thing or two about proper spending, so it shouldn’t come as a shock that we still need to prepare for further financial concerns in the future. This should not be mistaken as being a pessimist, but rather being cautious and prepared with a well-planned budget. Emergency funds, savings, zero amounts of debts, and a layout of your spending next year should be included in the list. Having a clear roadmap of your expenses would provide you a guide on proper spending and efficient use of money.

2. Pay all your debts.

We mentioned zero amounts of debts in the previous count, goal, but we may need to emphasize the importance of being free from it by next year. You’d have more freedom to do the things that you want to do, without worrying about pending balances or overdue bills. Being debt free also saves you from the ever-dreaded obligation of paying interests. It may take some sacrifice to make it happen, but it is worth the effort. You should create a debt payment plan as early as now.

goals-financial-2018

3. Start saving money now.

As a matter of fact, you should have begun at the beginning of this year. Just imagine if you had this same goal last year, saved up this year, then saved up again for next year, you would have been able to get a huge amount, enough for that grand cruise or vacation that you have been dreaming of. Do everything that you can to save, never overspend and always have your planned budget in mind (as mentioned in the first step). Keep in mind that your savings should be separate from your emergency fund. Savings should not be touched, while an emergency fund should be readily spent in case of unforeseen expenditures.

After following our tips, you may still find yourself having trouble within the first few weeks, but it’s normal, as with other routines being practiced at first. With that in mind, you may want to provide cushion to your starter budget in the first month of the New Year. No worries as Cebuana Lhuillier has got you covered. With their Micro-Loan Services, reaching out for assistance is never a hassle, due to their simple application process, easy terms, and fewer requirements, cutting long lines and long waiting time. With a network of over 2,200 Cebuana Lhuillier branches and online presence, you are given unlimited access and utter convenience in applying for a loan. Their five-point application to disbursement process ensures services are delivered on time. So what are you waiting for? Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

Image Source:
http://www.debtwave.org/wp-content/uploads/Goals.jpg
https://fm.cnbc.com/applications/cnbc.com/resources/img/editorial/2014/09/17/102009345-152983254.jpg?v=1410967638

Barely Making It: 3 Signs of Financial Problems You May Be Experiencing and What You Can Do About It

It’s hard to make a living nowadays. The income is low, job opportunities are low, and the prices are high. When you’re barely making it every month, you know that there is definitely something wrong with your financial stature. Yes, we are all aware of this common phenomenon among the majority of hard workers within the country, but awareness isn’t enough to make up for the whole situation. Proper action and immediate planning should be done in order to surpass the hardships brought about by these financial concerns. Let us understand them one by one and know the solution in addressing such concerns:

By knowing what the problem is, we are better equipped with what information to look for when addressing them.

1. You have little to no savings at all.

When you’re barely making it, you know that you either a) have just the right amount to pay for everything, or are b) earning less than that of your financial obligations. You are faced with a dilemma to either go look for an alternate job or cut down on your expenses. It would be tough trying to decide which to choose, however, one solution surpasses these options:

Solution: Try to find an extra job. We’re not just talking about part time on weekdays, you can allot one day per weekend on family days while the other on your part time job. For a much modern perspective, you can even apply for freelance, just to have an extra earning for your savings and emergency funds.

2. No budget plan.

Neglecting a budget plan is like asking for a disaster waiting to happen. Aside from the fact that you would overspend, there would be nothing left as well from all of your savings, as a lack of proper budget may force you to touch your savings account in case of unforeseen expenses. A disorganized way of spending your monthly earnings would only leave you with nothing left, even after a year of hard work.

Solution: Be wise. As with all kinds of sports games, you must strategize in order to win. List down all of your expenses, and then, distribute your budget accordingly. This way, you would be able to determine whichever monthly expense needs to be cut, like cable bill for example. No point in having one if you can set up a cheap antenna for a much affordable entertainment. A well-planned spending brings about countless savings.

happy-loan-expenses

3. Depending on others to finance your expenses.

Simply put, relying on someone all the time is not a long-term solution. You can rely on your family, loved ones, or friends; yet, this isn’t a very good practice in the long run. You’re going to have lots of debts and are going to owe them a sense of gratitude. There is nothing wrong with that since it is a signature trait of ours, but anything in huge amounts is always hazardous.

Solution: As early as now, learn to rely on yourself. If you want something done right, you have to do it yourself. Get a part time job or cut down on your expenses. These are just some of the most common solutions when it comes to financial needs. Know your limits, yet, do not limit your potential. Being independent is better than being on the receiving end of a big debt.

After reading through our tips and analysis, you may definitely want to choose a loaning service that would best be applicable to your needs, without all of the hassles. Look no further than Cebuana Lhuillier’s Happy Loan, a multi-purpose loan amounting to Php 5,000, Php 10,000 or Php 15,000 offered to any individual who is employed, self-employed, student, or a remittance beneficiary. Our network of more than 2,200 Cebuana Lhuillier branches and online presence give customers unlimited access and utter convenience in applying for a loan. Our five-point application to disbursement process ensures services are delivered on time.

Image Source:
https://www.pexels.com/photo/silver-and-gold-coins-128867/
https://unsplash.com/photos/X6xILm6BNek

5 Kinds of Drivers You’ll Meet on the Road

car-insurance-comprehensive

You have a nice car and a great attitude whenever you’re on the road. You think to yourself, “If I drive responsibly, I would never get into trouble.” Well, that is true for the most part. However, minding your own business wouldn’t be enough to achieve a safe trip every time, as you are not the only one making your way towards your own destination. There are other vehicles and drivers out there who may not share the same positive attitude that you have on the road. In that case, what would you do? Simple, be vigilant whenever you’re driving. Identify the types of drivers you’ll meet on the road and have a calm mind to either steer away from them or drive along with them harmoniously. Here are the most notable ones you may have already met or encountered in the past.

1. The Distracted Driver

Let us begin this one with a fair warning, stay away from these types of drivers. Distracted ones are those who would usually multi-task. They would commonly check their cellphone, eat in the car, and even rummage through their make-up kits while their ride is on the go. They are one of the main causes of accidents, and it would be wise to distance from them, just in case their absent-mindedness turns into a pile up, one that you can avoid.

2. The Beginner

As someone had mentioned before, “they just got their license a few weeks ago, and they drive like they’re still in driving school.” They usually drive as if their car doesn’t have the option to increase in speed, slow and unnerving. They would also make hesitant turns which may take quite a while to get through. This doesn’t mean that we should be relentlessly mad towards them though. To their credit, they are courteous in allowing you to merge and gives way even during traffic.

auto-care-car-insurance

3. The Grandma Driver

Very, very slow. It’s like having a snail or turtle in front of you. You would lose your patience with these types of drivers, especially when you’re in a hurry (though we’re not encouraging you to go fast. Some would drive 10 mph below the limit and taking 15 minutes to make a turn. It’s forgivable to fall into the second category above, but there is definitely no excuse if you’ve been driving like this for over a year.

4. The Traffic Weavers

Traffic weavers are always in a hurry. They abuse the term “overtake” while on the road and are a liability to others by being another main cause of accidents. Don’t get caught with this type of driving attitude. It’s definitely dangerous.

5. The Good Driver

Finally, some good news! They aren’t in a hurry, they aren’t too slow either. They would diligently follow traffic rules and regulations and even flash you a friendly smile when giving way. Unfortunately, they are not so common today, nonetheless, they are a rare species of drivers that you should be looking up to. Double points if you’re already one of them.

With all of that being said, you may want to get yourself a car insurance that would protect you from the first four types of drivers. And like the fifth driver, you’ll want go for a full-pledged service that has nothing but your best interest in mind. In such case, nothing beats Cebuana Lhuillier’s AutoCARE Insurance, a Standard Comprehensive Car Insurance that covers Own Damage (OD), Theft, Loss and/or Damage. Excess Bodily Injury (EBI), Excess Property Damage (EPD), and Acts of God/Nature (AOG/AON). So what are you waiting for? Visit your nearest Cebuana Lhuillier branch now – we assure a fast, easy and secure transaction.

CORPORATE AGENT PARTNERS

  • ACTION.ABLE, INC.
  • ALL ACCESS GATEWAY INC.
  • ANTRECCO (AGUSAN DEL NORTE TEACHERS, RETIREES, EMPLOYEES & COMMUNITY COOPERATIVE)
  • ACM VIP
  • ALL CASH
  • AGRILIFE/ AGRIVET
  • ASENSO PINOY STORE, INC. (EASY DAY SHOP)
  • AVICOM ENTERPRISES
  • AYALA ALABANG VILLAGE ASSOCIATION
  • BAUG CARP MULTI PURPOSE COOPERATIVE
  • BAGUIO BENGUET COOP
  • CARD BANK INC
  • CARD MRI RIZAL BANK INC
  • CARD SME BANK
  • CARITAS BANCO NG MASA, INC.
  • CEBU PEOPLE’S MULTIPURPOSE COOPERATIVE
  • CIS BAYAD CENTER, INC
  • COOPERATIVE BANK OF BOHOL, INC
  • COUNTRY BUILDERS BANK
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • AEON CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (VIA ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (VIA ECPAY)
  • ALLIANZ PNB LIFE INSURANCE INC.
  • ALPHA FUND SAVINGS & CREDIT COOPERATIVE (VIA ECPAY)
  • AMADEO WATER DISTRICT (VIA ECPAY)
  • AMYA POLYTECHNIC COLLEGE, INC. AND FINANCING CORPORATION (LENDPINOY)
  • ANGAT WATER DISTRICT (VIA ECPAY)
  • ANGELES ELECTRIC COMPANY ANGELICUM SCHOOL , INC. ILOILO CITY (VIA ECPAY)
  • ANJELMAN REAL ESTATE LEASING
  • ANTIQUE ELECTRIC COOP, INC ANTRECCO (BILLS PAYMENT)

OVER 600 BILLER PARTNERS NATIONWIDE

  • 123 FINANCE CORPORATION
  • 123 LENDING CORPORATION
  • 2C2P
  • 8AMC (VIA ECPAY)
  • ABEJO WATERS CORP.
  • ABRA
  • ACOM CONSUMER FINANCE CORPORATION
  • ACTIVE REALTY & DEVELOPMENT CORP.
  • ADA MANUFACTURING CORPORATION (VIA ECPAY)
  • CREDIT SERVICE
  • AETERNITAS CHAPELS AND COLUMBARIUM (via ECPAY)
  • AFC SME FINANCE INC
  • AFTERWEST MICROLOANS INC
  • AGODA – DRAGONPAY
  • AGRIBANK
  • AGRO-INDUSTRIAL FOUNDATION COLLEGE OF THE PHILS.
  • AGUSAN DEL NORTE ELECTRIC COOPERATIVE, INC.
  • AIR YOU GO TRAVELS PHILIPPINES CO.
  • AKLAN ELECTRIC COOPERATIVE, INC.
  • ALAMINOS CITY WATER DISTRICT (via ECPAY)
  • CREDENCE FINANCING, INC.
  • CURAMED PHARMACY
  • DALTON PAWNSHOP AND JEWELRY INC.
  • DANIELA PAWNSHOP
  • DIRECT AGENT 5 (DA 5)
  • DEVELOPMENT BANK OF THE PHILS.
  • EXPRESSPAY INC.
  • EVRIJEM FOREIGN EXCHANGE AND MONEY REMITTANCE
  • FILHAI MULTI PURPOSE COOPERATIVE
  • GLOBAL PINOY REMITTANCE AND SERVICES (GPRS)
  • GEMARY PAWNSHOP AND JEWELRY (CORP.)

List of Accepted Government/ Valid IDs

  • Passport
  • Driver’s License
  • Professional Regulation Commission (PRC) ID
  • National Bureau of Investigation (NBI) Clearance
  • Police Clearance
  • Postal ID
  • Voter’s ID
  • Philippine Identification System (PhilSys) ID
  • Government Service Insurance System (GSIS) e-Card
  • Social Security System (SSS) ID
  • Senior Citizen’s ID
  • Overseas Workers Welfare Administration (OWWA) ID
  • OFW ID
  • Seaman’s Book
  • Alien Certification of Registration (ACR)
  • Barangay Certificate or ID (with picture and signature)
  • Birth Certificate (applicable to minors only)
  • Firearm License
  • Immigrant Certificate of Registration
  • Marriage License
  • National Council for the Welfare of Disabled Persons
  • New TIN ID
  • OWWA ID
  • Student ID
  • Alien Certification of Registration (ACR) / Immigrant Certificate of Registration
  • Government Office or Government Owned and Controlled Corporations (GOCC) ID (e.g. AFP ID, HDMF (Pag-ibig Fund) ID, etc.
  • Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
  • Department of Social Welfare and Development (DSWD) Certification
  • Integrated Bar of the Philippines ID (IBP)
  • Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP (Bangko Sentral ng Pilipinas), SEC (Securities and Exchange Commission) or IC (Insurance Commission)

IDs Accepted

As required by Bangko Sentral ng Pilipinas (BSP), clients who engage in a financial transaction with covered institutions for the first time shall be required to present the original and submit a clear copy of at least ONE (1) valid photo-bearing identification document issued by an official authority. For our clients’ convenience, Cebuana no longer requires submission of the photocopied ID. IDs are captured using a webcam in all branches. Clients are also required to submit an updated photo and other relevant information whenever the need for it arises.

Forms of identification accepted are the following;

Pawn Accepted IDs
1. Passport
2. Driver’s License
3. Professional Regulation Commission (PRC) ID
4. National Bureau of Investigation (NBI) Clearance
5. Police Clearance
6. Postal ID
7. Voter’s ID
8. Philippine Identification (PhilID) card
9. Social Security System (SSS) Card / Unified Multi-Purpose ID (UMID)
10. Barangay Certification
11. Government Service Insurance System (GSIS) e-Card
12. Senior Citizen Card
13. Overseas Workers Welfare Administration (OWWA) ID
14. OFW ID
15. Seaman’s Book
16. Alien Certification of Registration/Immigrant Certificate of Registration (for foreigners)
17. Government Office and GOCC ID, e.g., Armed Forces of the Philippines (AFP ID)
18. Home Development Mutual Fund (HDMF ID)
19. Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
20. Department of Social Welfare and Development (DSWD) Certification
21. Integrated Bar of the Philippines (IBP) ID
22. Company IDs issued by private entities or institutions registered with or supervised or regulated either by the Bangko Sentral ng Pilipinas, Securities and Exchange Commission or Insurance Commission
23. ID issued by the National Council on Disability Affairs (NCDA)