UPDATED on November 17, 2018: Land Bank’s mobile banking app can now transfer funds to BPI and BDO.
Online banking is convenient, practical and, if you ask me, is right up there with running water when it comes to mankind’s greatest innovations. However, because it is so convenient and still some sort of a novelty, it’s easy for evildoers to use online banking to prey on innocent people who are not familiar with how this technology works.
However, a few weeks ago, I received a strange message regarding Land Bank’s mobile banking app. The guy asked if the Land Bank mobile banking app could really transfer funds to his BDO account. The quick and easy answer there is “No” because BDO is not one of the destination banks listed in the app.
I’ve been paying all of my bills (i.e. utilities, credit card, mortgage, airline tickets) online probably for the past ten years now, or maybe even more. It’s just so dang convenient that, unless I really have to, I’ll never go back to lining up just to pay a bill or buy a ticket. Ugh, that’s so neolithic you guys!
Which is why I didn’t pay attention to the yellow ATM-like thing outside of our condominium’s administrative office and considered it too much trouble to even find out what it was for. But curiosity eventually got the better of me since I would oftentimes see a person in front of the machine tapping on the screen or feeding it paper money.
After several weeks of not opening this blog, I was surprised to find this comment from Manila Bankers Life Insurance (Manila Bankers). I have already published the comment but since it has been buried under the dozens of comments in my first Manila Bankers post, I have decided to publish it in a separate post for everyone’s information. My reply and thoughts will follow after Manila Bankers’ comment.
As a government employee, I am an automatic Philhealth member and my husband and kids are my dependents. So when my husband was hospitalizedseveral times in the last few years and I gave birth late last year, I gave thanks for Philhealth many times over for its subsidy and efficient system.
What I specially love about Philhealth is how it no longer allows direct filing, meaning the subsidy is applied to your hospital bill. Thus, there’s no more need to go through the gauntlet of queuing at a Philhealth office with your documents in tow and, assuming all your documents are complete, waiting for a check to be released. Imagine experiencing the stress of being hospitalized or having a family member get hospitalized, and then going through the additional effort of personally claiming your Philhealth benefit, with all the accompanying bureaucratic challenges thrown in for good measure. Hassle!
Even the documentary requirements are simpler. Upon checking in, you’ll be required to submit the following: Philhealth Claim Form 1 (CF1); certificate of premium payments from your employer; and the Member Data Record (MDR). (more…)