Your Questions Answered: How to Live a Worry-Free Life While Working Abroad

09 August 2018

Homesickness aside, the other thing that keeps Overseas Filipino Workers (OFWs) like you up at night is worry. Being miles away from home, you not only worry about being able to care for your own well-being, you are also concerned about the loved ones you left behind. It’s tough, but not at all impossible to live a worry-free life while working abroad. Here, we answer some of your questions:

I am always worried about getting sick or not having enough money for a medical emergency in the future. What do I do?

First things first. Make sure you've got the basics covered: eat healthy and get ample physical activity. Be religious about going for medical check-ups. These are necessary steps to ease your worry about getting sick.

To ensure you’re prepared for unforeseen medical expenses, invest in Critical Care Plus, a unit-linked health and insurance plan that provides financial benefits in the early stages of a critical illness. With this kind of protection, you can focus on getting better instead of searching for funds.

How do I stay motivated to live a healthy lifestyle?

Set your eyes on specific goals, be it a target weight, a better diet, or reduced risk of heart disease. The next logical thing is to reward yourself for healthy choices.

The BPI AIA Wellness Series powered by AIA Vitality is a suite of products that not only protects you and your loved ones, but also allows you to earn points and lifestyle rewards as you journey to get in shape and maintain your good health. Now, isn’t that motivation enough?

Maintaining long-distance relationships whether as a parent, a child, or sibling is difficult. How do I cope?

Use technology to your advantage. Set up group chats and video calls with your loved ones back home. Agree on a schedule—not just holidays and special occasions—but also days when you’re doing mundane things like cooking or binge-watching your favorite TV series. Staying connected with familiar faces is comforting and uplifting even if you are physically apart.

After personal expenses and sending financial assistance to my family in the Philippines, I have some money left over that I would like to be able to use in the future. What types of investments can I make?

Leave the financial planning to the experts. An affordable life insurance plan such as Life Ready Plus protects your loved ones no matter what happens. A portion of your payments is also invested in funds that can grow your money in the long term. You’re actually hitting two birds with one stone: ensuring protection for your loved ones and investing to achieve your financial goals.

I am in my early 20s and plan to retire to the Philippines one day. How do I prepare for it?

It’s every OFW’s dream, isn’t it? Here’s something to put your mind at ease: you still have some time to prepare. Kudos to you for thinking of it now. Building a retirement fund is your best bet.

Part of the BPI AIA Wellness series is a unit-linked protection plan called Build Estate Plus, which protects your assets and doubles as a savings fund that has a potential to give you high earnings. That way, you'll get to enjoy your retirement years doing the things you love!

Like you, every OFW is a modern-day hero who deserves to be rewarded for all your hard work. Free your mind from financial worries and find out how you can prepare well for your future—and your loved ones’ too!

Live Longer, Healthier, and Better

Invest in both your health and wealth with BPI AIA Wellness Series

Life Ready Plus

Protection

Get the power to protect yourself and your family with an affordable life insurance plan. Life Ready Plus is easy on the budget, but offers coverage of up to 30 times your yearly payment to support the financial needs of your loved ones.

The plan gives you fast access to coverage and benefits and can match your long-term financial goals when maintained within an appropriate term.

Critical Care Max

Health

Critical Care Max will help you make more memories by providing financial aid during the early stages of a critical illness. This unit-linked life and health insurance plan offers assistance on your recovery. You can build a health fund that grows over time, depending on your chosen investment, to pay for other medical costs.

In addition, it comes with a hospital confinement benefit that will replace lost income due to hospitalization. This daily cash benefit may also come with optional benefits like cash payout for surgery-related expenses, allowance for consultation fees, and many others.

Build Estate Plus

Life Protection

Let your loved ones enjoy the fruits of your labor even when you’re no longer around. Build Estate Plus is a unit-linked protection plan that will cover your estate taxes after your passing so that you can ease your family’s burden.

It doubles as an investment savings fund that builds Account Value as you pay. It is also integrated with AIA Vitality that provides additional upfront coverage of 20% to your policy and add-ons.

CRITICAL CARE PLUS

Health

Be in good hands in times of sickness. Let Critical Care Plus, a unit-linked health and life insurance plan, take care of you with financial aid in case of a major illness, so you can focus on getting better and spending more time with your loved ones.

It even gives you more benefits for having good health through the AIA Vitality program that adds 20% upfront coverage and supplemental benefits on your policy.

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Your Questions Answered: How to Live a Worry-Free Life While Working Abroad

I am always worried about getting sick or not having enough money for a medical emergency in the future. What do I do?

How do I stay motivated to live a healthy lifestyle?

Maintaining long-distance relationships whether as a parent, a child, or sibling is difficult. How do I cope?

After personal expenses and sending financial assistance to my family in the Philippines, I have some money left over that I would like to be able to use in the future. What types of investments can I make?

I am in my early 20s and plan to retire to the Philippines one day. How do I prepare for it?

Live Longer, Healthier, and Better

RECOMMENDED PRODUCTS

Life Ready Plus

Critical Care Max

Build Estate Plus

CRITICAL CARE PLUS

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