Hindi nakapaghulog sa educational plan dahil nawalan ng trabaho

ni Atty. Persida Rueda-Acosta - @Magtanong Kay Attorney | July 23, 2022

Dear Chief Acosta,

Ako ay kumuha ng Education Insurance Plan mula sa kumpanya noong nakaraang taon. Buwan-buwan ako naghuhulog ng Php 8,000 alinsunod sa aming monthly installment plan. Noong nakaraang buwan ay nawalan ako ng trabaho, kaya hindi ako nakapaghulog ng aking monthly installment. Ano ang mangyayari sa kinuha kong Education Insurance Plan at ano ang maaari kong gawin kaugnay dito? - Sam

Dear Sam,

Ang batas na sasaklaw tungkol sa iyong katanungan ay ang Republic Act No. 9829 o mas kilala bilang “Pre-Need Code of the Philippines.” Nakasaad sa Section 23 ng nasabing batas na:

“Section 23. Default; Reinstatement Period. - The pre-need company must provide in all contracts issued to planholders a grace period of at least sixty (60) days within which to pay accrued installments, counted from the due date of the first unpaid installment. Nonpayment of a plan within the grace period shall render the plan a lapsed plan. Any payment by the planholder after the grace period shall be reimbursed forthwith, unless the planholder duly reinstates the plan. The planholder shall be allowed a period of not less than two (2) years from the lapse of the grace period or a longer period as provided in the contract within which to reinstate his plan. No cancellation of plans shall be made by the issuer during such period when reinstatement may be effected.

Within thirty (30) days from the expiration of the grace period and within thirty (30) days from the expiration of the reinstatement period, which is two (2) years from the lapse of the grace period, the pre-need company shall give written notice to the planholder that his plan will be cancel if not reinstated within two (2) years. Failure to give either of the required notices shall preclude the pre-need company from treating the plans as canceled.”

Alinsunod sa nabanggit na probisyon ng batas, marapat na nakapaloob sa inyong kontrata na ikaw ay may animnapung (60) araw na grace period o palugit mula sa itinakdang araw na hindi mo nabayaran ang anumang installment payment, upang bayaran ito. Kung ang nasabing grace period ay lumagpas na at hindi mo pa rin nabayaran ang napagkasunduang installment payment, ang iyong education insurance plan ay maaaring mapaso, liban na lamang kung ito ay ire-reinstate. Ang plan holder, na katulad mo ay mayroong dalawang taon mula sa pagkapaso ng kanyang grace period upang i-reinstate o ibalik ang anumang pre-need plan, liban na lamang kung nagbigay ng mas mahabang panahon kaugnay ng reinstatement ang kumpanyang nag-issue ng insurance policy.

Sana ay nabigyan namin ng linaw ang inyong katanungan. Ang payong aming ibinigay ay base lamang sa impormasyon na inyong inilahad at maaaring magbago kung mababawasan o madaragdagan ang mga detalye ng inyong salaysay.

Maraming salamat sa inyong patuloy na pagtitiwala.