Pelagia C. Mendones General Manager, CARE MBA
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1 COOPERATIVE ALLIANCE FOR RESPONSIVE ENDEAVOR Mutual Benefit Association, Inc. Mi-MBA Association of the Philippines Microinsurance Forum Insurance Commission January 25, 2016 Pelagia C. Mendones General Manager, CARE MBA
2 CARE MBA was registered with Securities and Exchange Commission (SEC) on November 19, 2008 History
3 Vision and Mission The Vision Mission Vision The leading Mutual Benefit Association of Choice among cooperatives in the Philippines Mission To provide responsive, timely and sustainable microinsurance products and services to members of cooperatives and organized groups nationwide
4 Business Model MBA A mutual Benefit Association Micro-insurance From the local DAMAYAN Program of Cooperative
5 Business Model MBA Started providing mutual microinsurance through local partners Key Partners Cooperatives DSWD Tricycle Drivers and Operators Association Microinsurance Foundation Other Organized Groups
6 Quezon Area of Coverage
7 Laguna Area of Coverage
8 Marinduque Area of Coverage
9 Products Basic Life Insurance Program (BLIP) Credit Life Insurance Program (CLIP) Life insurance for member, spouse and 2 children, yrs old Natural &Accidental Death Benefits/Total & Permanent Disability 50% refund of Members Equity Premium as low as P20.00/week or P80.00/month Days Claims Period Loan insurance for members at least years old Low premium cost - P12.50/P1,000.00/yr or 1.25% Guaranteed benefits for the ff: 1. Beneficiary Paid Portion 2. Coop/MFI Unpaid Portion
10 Who are our customers? 4P s Beneficiaries of DSWD SLP SEAK Sustainable Livelihood Program Self employment Assistance kaunlaran or Self employed Assistance Kabuhayan
11 Who are our customers?
12 Who are our customers? Cooperative Foundations & Other Organized groups
13 4P s Beneficiaries Financial Literacy to 4ps Beneficiaries Factors in providing microinsurance for Pantawid Pamilya the recipients are both SLP and SEAK Close Coordination &Cooperation with the following: DSWDO & Municipal Links (ML) staff Municipal authorities (such as Municipal Mayors) PDO s or Project Development Officer Information Dissemination Drive Joining the SLP and SEAK program E.G The livelihood program The Collaboration and Assistance seminar
14 Programs Initiatives The 4 P s & CARE MBA Microinsurance Program SLP Sustainable Livelihood Program SEAK Self employment Assistance kaunlaran or Self employed Assistance Kabuhayan AS OF NOW WE HAVE 2,089 enrolled and covered of BLIP 14.9 million loan covered of SEAK and SLP And on going partnership with DSWD
15 SEA - K Operations
16 Operations
17 Operations CLAIMS SEA-K No. Of Claim Natural Death Member 5 17, Due To Accident Dependent 2 7, , TOTAL 7 25, , TOTAL CLAIMS 40,000.00
18 Operations YEAR NO. OF CLAIMS BENEFICIARIES SEA-K , , , TOTAL LOAN PAID BY CARE MBA , , , , , , TOTAL 6 20, , TOTAL CLAIMS 96,000.00
19 Reaching 4P s Recipients What are the Challenges in providing microinsurance for Pantawid Pamilya receipient? Resistance from some of DSWD staff (ML) to handle the program (added workload) Other Commercial Microinsurance providers that offers lower premium cost & bigger benefits Possibility of having Lapses on payments The monitoring of due dates The availability of documents(birth certificate/marriage Contract) Recommending to join in cooperatives of other organized groups or associations Encouraging to organize a cooperative Sustainability of the CARE MBA program for the 4Ps recipients once the program ends
20 Reaching 4P s Recipients What are the Lessons in providing microinsurance to Pantawid Pamilya recipients? There should be more follow ups and constant monitoring for 4ps recipients (let your presence be felt) Immediate action on claims deliveries Close monitoring to the schedule 4ps recipients are good clients of microinsurance when taken cared of by microinsurance providers They are great representives for target market of microinsurance in the Philippines
21 Benefits What are the main benefit of reaching out to Pantawid Pamilya recipients? The capability to advocate the MBA programs&services To promote to all the Filipino Families to join a microfinance and at the same to help them out in financially [
22 Reaching 4P s Recipients WHAT ARE THE SUPPORT NEEDED? The Proper endorsement and support from the DSWD and other LGU or from the Barangay authorities. Assigning of a person in charge or MBA coordinator from the local LGU and allotment of fund/budget for the microinsurance activities and other possible expenses. The Support for continuity and sustainability of the CARE MBA program from the community
23 Overall Operation Updates Overall Operation Updates As of December 31, 2015 MEMBERS : 37,700 ASSETS : 65 M GUARANTEE FUND : 8.6 M PREMIUM COLLECTED : 62.4 M MEMBERSHIP EQUITY : 31.2 M CLAIMS PAID (BLIP) : 8.2 M CLAIMS PAID (CLIP) : 5.2 M
24 Maraming Salamat! Thank you!
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