by Penny Angeles-Tan | Feb 23, 2018 | Stories
Forty statuesque Binibining Pilipinas candidates graced the headquarters of leading global insurer AXA to meet its executives and receive their personal accident insurance coverage worth P500,000 from Charter Ping An, a subsidiary of AXA Philippines.
They were welcomed by AXA Philippines chief of retail propositions Alok Roongta, chief of commercial business Ninoy Rollan; Charter Ping An director Robert Yu; head of partnership Emmanuel Que; and head of commercial underwriting Edwin Salvan.

The beauty contestants listened to a talk on financial literacy, part of AXA’s thrust to empower people to live better lives. AXA stressed the need for ambitious, hardworking Filipinos like them to prepare early for the future to achieve financial security and peace of mind.
- Each of the candidates received P500,000 personal accident insurance coverage.
- At the coronation, the six title holders will be given P2,000,000 personal accident insurance coverage.
- The runners-up will receive P1,000,000.
- Winners will also be awarded travel insurance worth P1,000,000.
Through their personal insurance coverage, the lovely aspirants of the Binibining Pilipinas crown enjoy full personal accident, medical reimbursement and travel insurance benefits wherever they go, be it here or abroad.
Through its subsidiary Charter Ping An, AXA—a worldwide leader in insurance and asset management—is the official insurance provider for Binibining Pilipinas 2018. With Charter Ping An, AXA can now offer its customer a full range of insurance products to suit their needs and lifestyles.
by Penny Angeles-Tan | Feb 22, 2018 | Public Service
PWD or Person With Disability is a term used to refer to a person who faces challenges in everyday life that most people take for granted. In inclusive educational institutions, these people are referred to as “differently-abled”. In the Philippines, a “Person With Disability” can enjoy many of the privileges our senior citizens enjoy as well … so long as you have a PWD ID (which you can only get from City Hall in the city where you reside.
The universal symbol for a Person With Disability (PWD) is the man in a wheelchair. But the reality is, there are many types of disabilities and most of them have nothing to do with the ability to walk. A severe orthopedic disability is the most obvious, which is probably why they chose this symbol.
In most cases, though, people only see physical disabilities as a qualification for PWD. Below are the different types of disabilities that could qualify you or your family member for a PWD ID.
Types of disabilities:
To apply for a PWD ID you need to manifest any of the following disabilities:
- psychosocial disability – includes people with ADHD, Bi-polar disorder, long-term recurring depression, nervous breakdown, epilepsy, schizophrenia, and other long-term recurring mental or behavioral problems
- mental disability
- hearing disability – partial to full deafness
- visual disability – partial to full blindness
- learning disability
- speech impairment
- orthopedic (musculoskeletal) disability – you will need to be specific about the ailment
For more comprehensive explanations of each type of disability click on this link to the article in PWDPhil.com.
Requirements for applying for a PWD ID
Don’t make up a disability that you don’t have just to be able to avail of the benefits. You wouldn’t pretend to be a senior citizen so why would you pretend to be a PWD?
- Fill up the Philippine Registry Form for Persons with Disability. I’ve scanned it for you and you can download the latest version of the form here.
- If you have a non-apparent disability get a medical certificate or abstract from your physician. Make sure to remind your doctor to include his PRC License No. below his signature and name. I’ve been told many doctors actually forget to do that which is funny since they know they are supposed to include it all the time.
- Get a barangay clearance from the barangay you reside at. They will require you to show a government ID displaying your address to verify that you do live in their barangay.
- Bring 2 pcs. 2×2 ID picture and 1 pc. 1X1 ID picture. The 2X2 ID pictures are for the application form and the 1X1 is for the movie booklet.
- You will be required to sign a piece of paper using a marker on the spot. This signature will be later scanned and used for your ID.
- If you cannot apply in person, you can send someone to process in your place but make sure to give them an authorization letter.
Are there laws that discuss the rights and privileges of PWD?
As a matter of fact, there are a few we should all be aware of and the full documents can be viewed on the National Council on Disability Affairs (NCDA) website.
- Republic Act No. 7277 is an act providing for the rehabilitation, self-development, and self-reliance of disabled persons and their integration into the mainstream of society and for other purposes
- Republic Act No. 9442 also known as the Magna Carta for disabled persons and other purposes, amends RA 7277
- Republic Act No. 10754 is an act that expands the benefits and privileges of PWD
Can an application get rejected?
Yes, when I was there I saw some people get rejected, usually from those who declare non-apparent disabilities. Others were told to come back if their documents were found to be incomplete. Most often the issue was with the medical certificate or abstract.
I heard some people who were applying say that they applied because their workmate told them that they should apply but they did not seem sure about why they were applying.
One woman was applying (and was told to come back at a later date) because she supposedly had a psychosocial disability but her medical certificate was not issued by a psychiatrist/psychologist. Keep in mind that your medical certificate or abstract should come from a doctor that specializes in your supposed disability. So, if she really has a psychosocial disability, she would visit the appropriate doctor, get tested, and be certified.
Now, if you have the proper documentation or have an apparent disability, you have nothing to worry about.
How did I get approved?
If you have a non-apparent disability such as I do you might be hesitant to apply. I, for one, took my sweet time (5 years!) applying because I thought I would get rejected if I did.

PWD ID of Quezon City with sensitive information hidden
Several years later (2018) I was finally able to apply. The most challenging thing was actually getting my medical certificate from my doctor since he is based in Cebu (which is also where I had my operation years ago).
As you can see in the ID I have an orthopedic (musculoskeletal) disability. Because of L5-S1 degenerative spondylolisthesis, I had to go through a procedure called transforaminal lumbar interbody fusion (TLIF) which means I have permanent titanium implants (rods) on my spine for stability.
Since the surgery in 2013, I am no longer experiencing intermittent loss of sensation in my legs. In exchange, I now have limited flexibility and movement and I am unable to stay in one position for long (sitting, standing, etc.) but yes, I am mobile.
The medical certificate my doctor issued included the following, make sure that your doctor will include the same:
- if affiliated with a hospital it is a good idea to use the hospital’s letterhead
- indicate the name of the patient and the diagnosis
- describe the condition
- indicate the type of disability you are applying for
- the signature, full name, and PRC License number
This applies to all non-apparent disabilities. FYI, it is better if you go there yourself than if you send a representative unless you are bedridden, immobile, or a minor.
What are the benefits attached to a PWD ID?
- Free movies on selected days and timeslots – this depends on what city you reside in. In Quezon City, it is every Monday and Tuesday from 10 am to 5 pm, depending on the theater. You need to get the free movie booklet at the start of every year
- 5% discount on selected grocery items (meat, rice, coffee, vegetables, etc.), refer to the back of the PWD purchase booklet. This translates to 65 pesos total discount per week
- Exemption from 12% VAT on food, services, and prescribed medicines
- 20% discount on food, services, and prescribed medicines
- 20% discount on hotel and local flight bookings
- Priority parking – special parking slots are allotted near the elevators and entrances
- Priority lane when lining up for anything
- Discounted parking
Do all venues offer discounted parking?
Sadly, not all places offer this. Here are the ones I’ve confirmed that do (less 12% VAT, less 20%). I will indicate otherwise if there is any difference in the rate given.
- Manila City
- Robinson’s Manila
- U.N. Square on UN Avenue
- Makati
- Quezon City
- Cyberpark Parking, Cubao
- Gateway Mall, Cubao
- Robinson’s Magnolia – flat rate of P50 for everyone
- Philippine Heart Center Hospital Wing – first 2 hours free
- Philippine Heart Center Multilevel Parking
- Quezon City Hall – first 3 hours free
- SM Cubao – first 5 hours free
- Trinoma Mindanao Parking – first 4 hours free. I had to specify Mindanao parking because when I was parked at the North parking the girl at the booth said there were no discounts for PWD.
- U.P. Town Center
- San Juan
- Taguig
So far, parking facilities that were managed by Ayala Property Management Corporation (APMC) gave a discount but I think it would be premature to make a blanket statement and say all of them so I will just add more places as I discover them.
To everyone out there who is PWD but hesitated to apply, I hope this article will help you move things along. 🙂
For those who are envious of the benefits that PWD receives, don’t be. Trust me, we who are legitimately PWD wish we weren’t.
Addendum:
The PWD ID is valid for 3 years only. Before it expires, make sure to renew it. You will need to get a new medical abstract/certificate and new two 2X2 ID pictures.
by Penny Angeles-Tan | Feb 21, 2018 | Business
The country’s leading global bank recently held its annual Chinese New Year market outlook, focusing on wealth management opportunities in both local and global perspectives. Centering on the theme, “Navigating a Maturing Bull Market”, Citi’s financial analysts along with senior resource speakers presented:
- investment opportunities and risks;
- global earnings growth and inflation rates; and
- effects of the ongoing administrative and economic developments on the financial markets, among others.
These events held in the cities of Taguig, Mandaluyong and Cebu were attended by more than 600 Citigold clients. As the preferred wealth management partner in Asia and in the country, Citigold helps clients grow, manage and protect their wealth, and secure their financial future with its team of experts, unmatched research services, world-class products, global access, and exclusive privileges and rewards.
Welcoming guests were (left to right) Citi Philippines Consumer Business head Manoj Varma, Citi Philippines CEO Aftab Ahmed and Citi Philippines Retail Bank head Rene Aguirre.
by Penny Angeles-Tan | Feb 17, 2018 | Health and Wellness
February is the month of hearts and love and all things romantic … this means dates and making sure we look good from head to toe for our special someone.
Make a big impact by putting together a look that brings out the best in you. From your clothes and make-up to the tiny details that count, you have many options to get that stunning aura on V-Day.
Better start with the hair, which usually draws attention to a person. Per studies, a head full of hair indicates youth and health at its best. Power and stability, on the other hand, corresponds to a long, shiny tress. A bouncy bob means bubbly personality. Meanwhile, curly locks add to masculinity and femininity.
Not everyone is blessed with having beautiful hair but that does not mean we should just accept it and give up. Not when there are solutions available that are all natural and readily available.
Something to remember: stay away from chemical-based ones. This is a “must”, especially when dealing with problems like shedding or thinning of the hair. Most of these products contain parabens as preservative, according to aesthetics and rejuvenation expert Dr. Cecilia Catapang.
“Through the years, as you use chemical-based product, slowly and little by little, your body absorbs the parabens, which accumulate to significant levels, enough to induce what is called an estrogen sensitive breast cancer,” she says.
Synthetic haircare products have several adverse effects because they are drugs. What you don’t know about them might hurt you. So avoid it the next time you go over the counter for your supplies or ditch what you’re using today for naturally-made products because they aid in stimulating hair growth while maintaining its natural water, shine and vibrancy.
Amid a glut of chemical-free hair solutions out there, Dr. Catapang recommends NOVUHAIR for its being natural and compliant to the ASEAN Cosmetic Directive, which means it doesn’t have paraben.
In addition of its safety benefits, this topical scalp lotion specifically is the only hair growth product in the market containing 19 natural herbs, essential oils and co-factor nutrients working synergistically to help remedy hair problems from growth to vanishing.
NOVUHAIR helps rejuvenate, nourish and maintain moisture in the scalp and improve the overall appearance of the tress. Lastly, it’s more effective and safe solution to help remedy hair loss and promote hair growth.
Sounds like it’s time to shift to “nature’s answer to hair loss”, ladies and gentlemen. It’s time to start loving again your hair with NOVUHAIR to enhance or bring back the old “crowning glory” to look your best in front of your dearest, or turning the head of a potential mate on you this V-Day. Let the love begin!
Discover more ideas on how to embark on a wellness journey at www.coryquirino.com.
by Penny Angeles-Tan | Feb 16, 2018 | Awards and Competitions
A chance to win P100,000 is up for grabs at this year’s Ever Bilena Big Beauty Challenge!
All aspiring and professional makeup artists are invited to create a makeup tutorial video based on a weekly theme. The one-to-three minute video material must show the makeup artist creating the look using Ever Bilena products.

Diana Angela Llanto, creative brows winner
Contest details
- The makeup theme of the week is posted every Friday at the Ever Bilena Cosmetics Facebook page.
- Participants have seven days to create their videos.
- All entries must be uploaded by Thursday, 11:59 PM, on the participant’s Facebook page with the hashtags #EBBigBeautyChallengeYear2 and #everbilena.
- Participants can submit as many videos as they wish.
- One winner will be chosen every week and will receive P15,000 cash.
- All weekly winners will compete in the grand finals.
- The contest will run until February 22, 2018.
This year’s Big Beauty Challenge winner will receive P70,000 cash and P30,000 worth of Ever Bilena Products.
Criteria for judging:
- Ever Bilena products used in the video, 20%;
- creativity, 40%;
- makeup executions and skills, 20%;
- and most number of views and shares, 20%.
This contest is open to everyone! To know more about Ever Bilena and “The BIG Beauty Challenge,” visit www.everbilena.com.ph and Facebook page, www.facebook.com/everbilenacosmetics.
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