00:28.0
ang taas ng sinisingil ninyo.
00:30.9
Pero bakit ang konti ng isinusukan ninyo sa tao, diba?
00:34.9
So, tanong, since nandiyo naman sa inyo,
00:38.6
bakit hindi ninyo nalang taasan yung binibigay ninyo na benefit, diba?
00:42.1
Yun ang very basic na question.
00:44.8
Bakit kayo hirap to increase the benefits?
00:48.8
Yun ang elephant in the room.
00:53.5
Mr. Chairperson, Honorable Representative Kimbo,
00:56.6
we have increased our...
00:58.0
all case rates across the board for 30%, Mr. Chairperson.
01:02.8
We have increased our benefit packages starting last year.
01:07.1
And even recently, Mr. Chairperson,
01:08.9
we have increased the case rates on bronchial asthma and neonatal sepsis.
01:13.9
There are also still packages that will be increased this year,
01:20.3
Mr. Chairperson, as well as increase in the benefits covering
01:23.8
and under-covered by the consulta program, Mr. Chairperson,
01:27.0
Honorable Representative.
01:28.0
Honorable Representative Kimbo.
01:29.7
Mr. Chair, hindi ba pag tinataasan natin ang lahat ng case rates by, let's say, 20%,
01:41.9
hindi ba ang tendency ng mga ospital ay taasan din nila ang kanilang mga presyo ng 20%?
01:51.1
Hindi pa ganun din.
01:51.8
Kung ikaw ay negosyante, kung tinataasan ng PhilHealth ang kanilang cover,
01:58.0
by a certain amount, say 20%,
02:00.7
mga negosyante, hindi ba yun ang gagawin nila?
02:06.1
I mean, isn't that a typical response?
02:14.4
Kasi kung ginagawa po ninyo ito,
02:19.8
alam natin na in the end, ganun pa rin naman eh, di ba?
02:23.7
Mamaya siguro ikaw kwento ni Kong Larney na
02:26.6
meron din siyang...
02:28.0
mapait na karanasan na ang laki-laki ng kanyang hospital bill,
02:32.0
ang liit-liit ng kanyang nakuhang PhilHealth benefit.
02:35.0
But that's a typical experience eh.
02:39.3
Ang liit-liit ng support value.
02:41.9
Kaya hindi natin mapagtugma itong PhilHealth story
02:46.8
na ang liit-liit ng support value,
02:49.9
pero ang laki-laki ng binibigay na supporta ng Kongreso
02:53.9
at ang laki-laki ng sinisingil ninyo sa manggagawa.
02:58.0
So, yun po eh. That's where we are today, Mr. Chair.
03:01.7
And that's the reason for why pinipilit ko talaga itong actuarially fair premium.
03:08.2
Ang ibig sabihin ng actuarially fair is simple.
03:11.9
Kung ano yung kinikita mo,
03:14.5
o kung ano yung sinisingil mo na premium,
03:17.2
yun din ang gagastusin mo.
03:19.4
Therefore, zero dapat ang profit mo.
03:23.0
Generally speaking.
03:24.6
So, paano mo iko-compute yung actuarially fair premium?
03:28.0
Nakabase yan sa likelihood na magkakasakit ka.
03:31.6
Nakabase din yan sa cost.
03:35.9
So, in short, hindi ka dapat kumita.
03:44.5
So, the fact na malaki yung kinikita niya
03:47.3
means talagang hindi actuarially fair.
03:51.4
So, yun, nandun tayo.
03:53.6
So, pag sinasabi po ninyo na taon-taon,
03:57.0
nakabase sa actuarial studies,
03:59.7
yung sinisingil ninyo sa kongreso,
04:02.2
Mr. Chair, parang ang hirap pong paniwalaan.
04:07.2
Kasi, kasasabi nyo lang po na
04:09.9
nag-surrender po kayo ng 89.9 billion sa DOF.
04:15.4
So, ibig sabihin talaga nun,
04:17.5
masyadong malaki yung sinisingil ninyo sa kongreso.
04:22.1
Yun ang ibig sabihin nun.
04:27.0
Kung sakali man na yun ay based on actuarial studies,
04:31.5
ngayon pa lang po,
04:32.8
you should fire your actuary.
04:34.7
Yun ang ibig sabihin nun, di ba?
04:36.5
Mali yung actuarial studies po ninyo.
04:39.1
Yun ang ibig sabihin po nun.
04:46.1
kung hindi makahabol ang benefits,
04:48.5
ang ibig sabihin nun,
04:49.5
you don't have the capacity
04:50.8
to provide the benefits that we deserve.
04:54.3
We're paying so much,
04:55.5
but unfortunately,
04:57.5
Yung consulta package,
04:59.2
we expected a lot,
05:01.2
kasi mukhang maganda.
05:02.7
Di ba, Mr. Chair?
05:03.8
Parang magandang may pa-check-up.
05:06.5
Maganda po, maganda.
05:07.8
Admittedly, na-excite po kami.
05:09.6
Pero na-disappoint kami,
05:11.0
kasi nasaan po yun?
05:13.6
Lahat kami dapat ma-cover.
05:15.5
Meron kaming pa-free check-up.
05:17.9
Pupunta kami sa health center,
05:19.5
tapos ang daming may haba ng listahan,
05:22.4
ng libre, may kasama pang gamot.
05:24.8
Eh, pero, ewan ko.
05:25.9
Ako, na-disappoint ako.
05:28.3
Marami po sa amin na-disappoint.
05:30.2
So, hindi po siya napapatupad.
05:33.1
Yun ang problema nating lahat.
05:35.8
So, may kakulangan po
05:39.2
ng ating mga programa.
05:43.5
yung value po ng benefits
05:45.5
lower than what you are collecting.
05:50.2
So, hindi siya fair.
05:52.8
So, kung ano ang value,
05:59.1
yun lang ang sisingilin natin.
06:00.8
Yun ang ibig sabihin ng actuarly fair.
06:03.1
So, pasensya na lang po.
06:04.5
Kung 50 pesos lang ang value
06:06.0
ng nakakomit ng ating mga miyembro,
06:10.4
eh, 50 pesos lang kukulektahin natin.
06:14.9
ang ating korporasyon.
06:17.1
Eh, if you want to make more,
06:19.2
ay, you have to do a better job.
06:30.1
ang sinisingil ninyo,
06:32.8
ang binibigay ng kongreso sa inyo.
06:38.2
So, let's try to,
06:41.7
mabait pa nga yung proposal ko,
06:43.2
let's start at 4%.
06:48.6
actually, I'm open to making it lower.
06:51.0
Kasi, Mr. Chair, let me ask,
06:54.6
isa-isahin po natin,
06:56.8
kasi sa tingin ko,
06:59.7
ang pag-accounting po ninyo,
07:04.2
hiniwalay ninyo yung sa government,
07:06.2
di ba? Kasi, nilabas yun nyo yung
07:12.0
magkano po ang premium
07:14.0
income ninyo, net of
07:16.3
government subsidy,
07:27.6
That's correct, Mr. Chairperson,
07:31.6
Honorable Representative Quimbo.
07:33.6
Mr. Chair, premium income,
07:39.6
So, hindi kasama ang premium
07:41.6
subsidy na binibigay ng Congress.
07:43.6
Ito po yung kinukolekta sa atin,
07:47.6
Interest and other income?
07:53.6
Honorable Representative Quimbo, for
07:55.6
2023, the interest and other income
07:59.6
billion, Mr. Chairperson, Honorable Representative
08:01.6
Quimbo. Okay. So, yun po yung
08:09.6
ang ginastos natin? So, unahin po natin
08:11.6
ang benefit spending.
08:13.6
Magkano po, 2023?
08:17.6
Mr. Chairperson, Honorable Representative
08:19.6
Quimbo, the benefit expense
08:25.6
Mr. Chairperson, Honorable Representative Quimbo.
08:27.6
Okay. Bago ako mag-comment,
08:29.6
punta muna tayo sa
08:31.6
operating expenses.
08:35.6
Magkano po for 2023?
08:39.6
Mr. Chairperson, Honorable Representative Quimbo,
08:43.6
the operating expense is
08:47.6
Mr. Chairperson, Honorable Representative Quimbo.
08:51.6
if we take all inflows,
08:53.6
subtract outflows,
08:59.6
Nakaneto na po dito
09:01.6
yung 38.8 billion
09:03.6
na galing sa Congress.
09:05.6
Okay? Nakaneto na yun.
09:09.6
well, first question,
09:11.6
bakit ang liat ng benefit spending
09:13.6
ng 2023? Kasi in previous
09:17.6
143 ang benefit spending
09:23.6
ang benefit spending. Ano po nangyari
09:25.6
ng 2023? Bakit nangalahati
09:27.6
lang po ang ating benefit
09:33.6
Mr. Chairperson, Honorable Representative
09:37.6
I do not have the details right now as
09:39.6
to why, but I can only
09:41.6
surmise that during the
09:43.6
year 2022, we paid a lot
09:45.6
of claims for the COVID claim.
09:49.6
So, hindi po eh, kasi
09:55.6
wala pa naman pong COVID.
10:03.6
wala rin COVID, 75.8.
10:05.6
So, hindi po COVID
10:07.6
ang dahilan. So, may nangyari ng 2023
10:09.6
ang laki po ng bagsak
10:11.6
ng ating benefit spending.
10:15.6
So, anyway, my point
10:19.6
ang hina po ng ating
10:21.6
capacity to actually
10:29.6
packages. So, even
10:35.6
ang daming yung pera
10:37.6
PhilHealth, ang daming excess funds,
10:41.6
Kahit po sumigaw pa tayo
10:43.6
buong araw, pilitin siya,
10:47.6
I think it's a capacity issue, Mr. Chair.
10:53.6
2023, net of government
11:09.6
2019, 4.6 billion.
11:15.6
We can go on and on and on.
11:23.6
clear that there are two options.
11:33.6
it is clear. Ako, sa akin,
11:35.6
sinukuan ko na ang benefit
11:37.6
expansion. I think
11:39.6
it is not possible
11:41.6
unless you change the
11:43.6
way you think. Meaning to say,
11:47.6
Mag-outsource na po tayo.
11:51.6
ayaw ninyo mag-outsource?
11:53.6
That's a possibility.
11:55.6
Kaya nga may amendment ako
11:57.6
dito, baka tulungan kayo
11:59.6
mag-outsource na kayo. Ginagawa
12:01.6
naman po yun ng other GOCCs.
12:03.6
Huwag po kayong mahiya.
12:05.6
Ginagawa yun ng pag-ibig fund.
12:09.6
possibility. However,
12:11.6
pinag-iisipan nyo pa, eh
12:13.6
bakit hindi tayo mag-suspend lang
12:23.6
resolution. Suspend
12:25.6
premium payments. That's
12:27.6
a big possibility.
12:31.6
Hirap ang taong bayan.
12:35.6
payments. At matagal ko na sinasabi
12:39.6
lagi po ninyo tinututulan.
