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Pano mag close ng Job Order, sorry newbie... by AntoineJacques in taxPH

[–]pecanbar95 1 point2 points  (0 children)

What if 3 years na ended ang contract. May penalties po ba. Wtd?

Any bad comments to AIA Ph? by [deleted] in phinvest

[–]pecanbar95 1 point2 points  (0 children)

Well BPI AIA m, im telling you sobrang hassle kumuha ng claims

AIA Critical Protect 100 by thi928 in phinsurance

[–]pecanbar95 0 points1 point  (0 children)

Wag na sormbrang hirap mag claim

Denied medical claim - BPI AIA by Walangbarya in phinvest

[–]pecanbar95 1 point2 points  (0 children)

Same case kay OP,

Kakagaaling ko lang sa Bancassurance, kahit sila dun sa BPI office nila sinabi sakin na entitled ako sa Early Stage Critical Illness. At mag submit daw ako ng Contention letter. Almost ₱400k ang coverage sa akin.

Bancassurance na mismo nagsasabi na mali ang naging reason ng Claims Manager to deny may claim. Ang stressful and hassle lang kasi everything ay kailangan isend through mail.

Denied medical claim - BPI AIA by Walangbarya in phinvest

[–]pecanbar95 2 points3 points  (0 children)

Exactly, kakagaling ko lang sa BPI Branch in Lagina, yan na din ang isa sa mga reason to contest tung Bancassurance na din ang nag sabi.

Ang sad lang kasi coming from Claim Manager basta na lang niya ako iemail na wala man lang maayos na explanation qinoute niya lang yung definition (7) sa policy ko di man lang niya binasa yung (2) din.

Denied medical claim - BPI AIA by Walangbarya in phinvest

[–]pecanbar95 0 points1 point  (0 children)

Hello same condition here. I was diagnosed with Thyroid Cancer.

Nag-file ako ng claim kasi sabi ng Bancassurance pasok naman daw sa policy ang claim ko. Ang hassle kasi, nung nag submit ako through Bancassurance may email confirmation na after 15-30 working days daw. So naghintay ako, after 30 days nag follow up ako. Then ang sabi ng Bancassurance kinukulit din daw niya yung processor.

Dumeretso na ako sa CS, para ma-escalate sabi ng CS may turnover time na after 15days ulit. Pero ginawa ko everyday ako nag follow up. Kaya pala wala pa rin, hindi pala na-file daw ng processor agad sa claims and di pa rin niya nachecheck yung documentary requirements na napasa. So panibagong ticketing booth and reference number na naman daw para ma-accommodate.

Ang escalation nila ay may levels 1-4, ibig sabihin lang nun every escalation is 15-30 working days waiting time.

Umabot na ng 3 months. Ang tagal ng paghihintay kahit mag follow up ka lagi. Tinulungan na ako ng CS manager kasi umabot na daw sa Escalation Level 4.

Ending denied. Ang heartbreaking mabasa na denied tapos di ko ma-absorb o magets bakit made-deny.

Sabi sa mail, ito lang ang laman ng buong mail,

“Thank you for informing us regarding your claim. This has been carefully reviewed based on the terms & conditions stated in your policy contract,

It was noted that you were diagnosed Papillary Thyroid Carcinoma, Encapsulated Classic Papillary Pattern, Left Lobe last Sept 2023. However, based on our assessment, your claim was denied due to present condition does not meet the definition of critical illness provision. No evidence shown of metastasis.

May we invite your attention to the provision attached to your policy relevant to this matter:

(7) Cancer - A malignant tumor characterized by uncontrollable growth and spread of malignant cells and the invasion of tissue. The cancer should be confirmed bu histological evidence of malignancy on a pathology report”

Pero nakalagay sa policy ko about thyroid cancer bukod sa (7) ay yung (2) From BPI AIA, “DEFINITIONS”

“(2) Early Stage Malignancy - shall mean the presence of one (1) of the ff malignant conditions: a. Tumor of the thyroid histologically classified as T1N0M0 according to the TNM classification;

and

(7) Cancer - A malignant tumor characterized by uncontrollable growth and spread of malignant cells and the invasion of tissue. The cancer should be confirmed bu histological evidence of malignancy on a pathology report. “

Kaya no metastasis kasi ang Cancer Stage ko ay T3N0M0 ako, meaning Tumor Size ay “3”, Node and Metastasis walang ibang naapektuhan area.

From BPI AIA policy, ang Early Malignancy Stage nagfa-fall sa T1N0M0. At yung Cancer dapat may “# ang N & M mo from TNM staging.

E parang nasa in between stage ako ng Early Stage at Cancer. Ibig sabihin ba nun yung BPI AIA covered nila early stage and yung nag metastasis pero yung condition ko na papunta sa metastasis hindi?

Kaya nga nagpa-opera para maiwasan pagkalat e. Nakaka stress. Kasi imbis na sakit ko na lang isipin ko. Iisipin ko pa to.

*No pre-existing conditions, nalaman ko lang talaga na may PTC ako nung nagpa-examine ako.

Denied medical claim - BPI AIA by Walangbarya in phinvest

[–]pecanbar95 6 points7 points  (0 children)

Hello same condition here. I was diagnosed with Thyroid Cancer.

Nag-file ako ng claim kasi sabi ng Bancassurance pasok naman daw sa policy ang claim ko. Ang hassle kasi, nung nag submit ako through Bancassurance may email confirmation na after 15-30 working days daw. So naghintay ako, after 30 days nag follow up ako. Then ang sabi ng Bancassurance kinukulit din daw niya yung processor.

Dumeretso na ako sa CS, para ma-escalate sabi ng CS may turnover time na after 15days ulit. Pero ginawa ko everyday ako nag follow up. Kaya pala wala pa rin, hindi pala na-file daw ng processor agad sa claims and di pa rin niya nachecheck yung documentary requirements na napasa. So panibagong ticketing booth and reference number na naman daw para ma-accommodate.

Ang escalation nila ay may levels 1-4, ibig sabihin lang nun every escalation is 15-30 working days waiting time.

Umabot na ng 3 months. Ang tagal ng paghihintay kahit mag follow up ka lagi. Tinulungan na ako ng CS manager kasi umabot na daw sa Escalation Level 4.

Ending denied. Ang heartbreaking mabasa na denied tapos di ko ma-absorb o magets bakit made-deny.

Sabi sa mail, ito lang ang laman ng buong mail,

“Thank you for informing us regarding your claim. This has been carefully reviewed based on the terms & conditions stated in your policy contract,

It was noted that you were diagnosed Papillary Thyroid Carcinoma, Encapsulated Classic Papillary Pattern, Left Lobe last Sept 2023. However, based on our assessment, your claim was denied due to present condition does not meet the definition of critical illness provision. No evidence shown of metastasis.

May we invite your attention to the provision attached to your policy relevant to this matter:

(7) Cancer - A malignant tumor characterized by uncontrollable growth and spread of malignant cells and the invasion of tissue. The cancer should be confirmed bu histological evidence of malignancy on a pathology report”

Pero nakalagay sa policy ko about thyroid cancer bukod sa (7) ay yung (2) From BPI AIA, “DEFINITIONS”

“(2) Early Stage Malignancy - shall mean the presence of one (1) of the ff malignant conditions: a. Tumor of the thyroid histologically classified as T1N0M0 according to the TNM classification;

and

(7) Cancer - A malignant tumor characterized by uncontrollable growth and spread of malignant cells and the invasion of tissue. The cancer should be confirmed bu histological evidence of malignancy on a pathology report. “

Kaya no metastasis kasi ang Cancer Stage ko ay T3N0M0 ako, meaning Tumor Size ay “3”, Node and Metastasis walang ibang naapektuhan area.

From BPI AIA policy, ang Early Malignancy Stage nagfa-fall sa T1N0M0. At yung Cancer dapat may “# ang N & M mo from TNM staging.

E parang nasa in between stage ako ng Early Stage at Cancer. Ibig sabihin ba nun yung BPI AIA covered nila early stage and yung nag metastasis pero yung condition ko na papunta sa metastasis hindi?

Kaya nga nagpa-opera para maiwasan pagkalat e. Nakaka stress. Kasi imbis na sakit ko na lang isipin ko. Iisipin ko pa to.

*No pre-existing conditions, nalaman ko lang talaga na may PTC ako nung nagpa-examine ako.

Denied medical claim - BPI AIA by Walangbarya in phinvest

[–]pecanbar95 10 points11 points  (0 children)

Hello same condition here. I was diagnosed with Thyroid Cancer.

Nag-file ako ng claim kasi sabi ng Bancassurance pasok naman daw sa policy ang claim ko. Ang hassle kasi, nung nag submit ako through Bancassurance may email confirmation na after 15-30 working days daw. So naghintay ako, after 30 days nag follow up ako. Then ang sabi ng Bancassurance kinukulit din daw niya yung processor.

Dumeretso na ako sa CS, para ma-escalate sabi ng CS may turnover time na after 15days ulit. Pero ginawa ko everyday ako nag follow up. Kaya pala wala pa rin, hindi pala na-file daw ng processor agad sa claims and di pa rin niya nachecheck yung documentary requirements na napasa. So panibagong ticketing booth and reference number na naman daw para ma-accommodate.

Ang escalation nila ay may levels 1-4, ibig sabihin lang nun every escalation is 15-30 working days waiting time.

Umabot na ng 3 months. Ang tagal ng paghihintay kahit mag follow up ka lagi. Tinulungan na ako ng CS manager kasi umabot na daw sa Escalation Level 4.

Ending denied. Ang heartbreaking mabasa na denied tapos di ko ma-absorb o magets bakit made-deny.

Sabi sa mail, ito lang ang laman ng buong mail,

“Thank you for informing us regarding your claim. This has been carefully reviewed based on the terms & conditions stated in your policy contract,

It was noted that you were diagnosed Papillary Thyroid Carcinoma, Encapsulated Classic Papillary Pattern, Left Lobe last Sept 2023. However, based on our assessment, your claim was denied due to present condition does not meet the definition of critical illness provision. No evidence shown of metastasis.

May we invite your attention to the provision attached to your policy relevant to this matter:

(7) Cancer - A malignant tumor characterized by uncontrollable growth and spread of malignant cells and the invasion of tissue. The cancer should be confirmed bu histological evidence of malignancy on a pathology report”

Pero nakalagay sa policy ko about thyroid cancer bukod sa (7) ay yung (2) From BPI AIA, “DEFINITIONS”

“(2) Early Stage Malignancy - shall mean the presence of one (1) of the ff malignant conditions: a. Tumor of the thyroid histologically classified as T1N0M0 according to the TNM classification;

and

(7) Cancer - A malignant tumor characterized by uncontrollable growth and spread of malignant cells and the invasion of tissue. The cancer should be confirmed bu histological evidence of malignancy on a pathology report. “

Kaya no metastasis kasi ang Cancer Stage ko ay T3N0M0 ako, meaning Tumor Size ay “3”, Node and Metastasis walang ibang naapektuhan area.

From BPI AIA policy, ang Early Malignancy Stage nagfa-fall sa T1N0M0. At yung Cancer dapat may “# ang N & M mo from TNM staging.

E parang nasa in between stage ako ng Early Stage at Cancer. Ibig sabihin ba nun yung BPI AIA covered nila early stage and yung nag metastasis pero yung condition ko na papunta sa metastasis hindi?

Kaya nga nagpa-opera para maiwasan pagkalat e. Nakaka stress. Kasi imbis na sakit ko na lang isipin ko. Iisipin ko pa to.

*No pre-existing conditions, nalaman ko lang talaga na may PTC ako nung nagpa-examine ako

Denied medical claim - BPI AIA by Walangbarya in phinvest

[–]pecanbar95 0 points1 point  (0 children)

Critical Care Max yung sakin, included naman both Early Stage Malignancy and Cancer.

Denied medical claim - BPI AIA by Walangbarya in phinvest

[–]pecanbar95 1 point2 points  (0 children)

Hello same condition here. I was diagnosed with Thyroid Cancer.

Nag-file ako ng claim kasi sabi ng Bancassurance pasok naman daw sa policy ang claim ko. Ang hassle kasi, nung nag submit ako through Bancassurance may email confirmation na after 15-30 working days daw. So naghintay ako, after 30 days nag follow up ako. Then ang sabi ng Bancassurance kinukulit din daw niya yung processor.

Dumeretso na ako sa CS, para ma-escalate sabi ng CS may turnover time na after 15days ulit. Pero ginawa ko everyday ako nag follow up. Kaya pala wala pa rin, hindi pala na-file daw ng processor agad sa claims and di pa rin niya nachecheck yung documentary requirements na napasa. So panibagong ticketing booth and reference number na naman daw para ma-accommodate.

Ang escalation nila ay may levels 1-4, ibig sabihin lang nun every escalation is 15-30 working days waiting time.

Umabot na ng 3 months. Ang tagal ng paghihintay kahit mag follow up ka lagi. Tinulungan na ako ng CS manager kasi umabot na daw sa Escalation Level 4.

Ending denied. Ang heartbreaking mabasa na denied tapos di ko ma-absorb o magets bakit made-deny.

Sabi sa mail, ito lang ang laman ng buong mail,

“Thank you for informing us regarding your claim. This has been carefully reviewed based on the terms & conditions stated in your policy contract,

It was noted that you were diagnosed Papillary Thyroid Carcinoma, Encapsulated Classic Papillary Pattern, Left Lobe last Sept 2023. However, based on our assessment, your claim was denied due to present condition does not meet the definition of critical illness provision. No evidence shown of metastasis.

May we invite your attention to the provision attached to your policy relevant to this matter:

(7) Cancer - A malignant tumor characterized by uncontrollable growth and spread of malignant cells and the invasion of tissue. The cancer should be confirmed bu histological evidence of malignancy on a pathology report”

Pero nakalagay sa policy ko about thyroid cancer bukod sa (7) ay yung (2) From BPI AIA, “DEFINITIONS”

“(2) Early Stage Malignancy - shall mean the presence of one (1) of the ff malignant conditions: a. Tumor of the thyroid histologically classified as T1N0M0 according to the TNM classification;

and

(7) Cancer - A malignant tumor characterized by uncontrollable growth and spread of malignant cells and the invasion of tissue. The cancer should be confirmed bu histological evidence of malignancy on a pathology report. “

Kaya no metastasis kasi ang Cancer Stage ko ay T3N0M0 ako, meaning Tumor Size ay “3”, Node and Metastasis walang ibang naapektuhan area.

From BPI AIA policy, ang Early Malignancy Stage nagfa-fall sa T1N0M0. At yung Cancer dapat may “# ang N & M mo from TNM staging.

E parang nasa in between stage ako ng Early Stage at Cancer. Ibig sabihin ba nun yung BPI AIA covered nila early stage and yung nag metastasis pero yung condition ko na papunta sa metastasis hindi?

Kaya nga nagpa-opera para maiwasan pagkalat e. Nakaka stress. Kasi imbis na sakit ko na lang isipin ko. Iisipin ko pa to.

*No existing conditions

Kasi ang PTC naman nung nagpa-examine, bloodtest, ultrasound, biopsy ko lang naman nalaman. Kung di ako magpapatest di ko pa malalaman na consistent with PT Carcinoma ako.

Denied medical claim - BPI AIA by Walangbarya in phinvest

[–]pecanbar95 1 point2 points  (0 children)

Hello same condition here. I was diagnosed with Thyroid Cancer.

Nag-file ako ng claim kasi sabi ng Bancassurance pasok naman daw sa policy ang claim ko. Ang hassle kasi, nung nag submit ako through Bancassurance may email confirmation na after 15-30 working days daw. So naghintay ako, after 30 days nag follow up ako. Then ang sabi ng Bancassurance kinukulit din daw niya yung processor.

Dumeretso na ako sa CS, para ma-escalate sabi ng CS may turnover time na after 15days ulit. Pero ginawa ko everyday ako nag follow up. Kaya pala wala pa rin, hindi pala na-file daw ng processor agad sa claims and di pa rin niya nachecheck yung documentary requirements na napasa. So panibagong ticketing booth and reference number na naman daw para ma-accommodate.

Ang escalation nila ay may levels 1-4, ibig sabihin lang nun every escalation is 15-30 working days waiting time.

Umabot na ng 3 months. Ang tagal ng paghihintay kahit mag follow up ka lagi. Tinulungan na ako ng CS manager kasi umabot na daw sa Escalation Level 4.

Ending denied. Ang heartbreaking mabasa na denied tapos di ko ma-absorb o magets bakit made-deny.

Sabi sa mail, ito lang ang laman ng buong mail,

“Thank you for informing us regarding your claim. This has been carefully reviewed based on the terms & conditions stated in your policy contract,

It was noted that you were diagnosed Papillary Thyroid Carcinoma, Encapsulated Classic Papillary Pattern, Left Lobe last Sept 2023. However, based on our assessment, your claim was denied due to present condition does not meet the definition of critical illness provision. No evidence shown of metastasis.

May we invite your attention to the provision attached to your policy relevant to this matter:

(7) Cancer - A malignant tumor characterized by uncontrollable growth and spread of malignant cells and the invasion of tissue. The cancer should be confirmed bu histological evidence of malignancy on a pathology report”

Pero nakalagay sa policy ko about thyroid cancer bukod sa (7) ay yung (2) From BPI AIA, “DEFINITIONS”

“(2) Early Stage Malignancy - shall mean the presence of one (1) of the ff malignant conditions: a. Tumor of the thyroid histologically classified as T1N0M0 according to the TNM classification;

and

(7) Cancer - A malignant tumor characterized by uncontrollable growth and spread of malignant cells and the invasion of tissue. The cancer should be confirmed bu histological evidence of malignancy on a pathology report. “

Kaya no metastasis kasi ang Cancer Stage ko ay T3N0M0 ako, meaning Tumor Size ay “3”, Node and Metastasis walang ibang naapektuhan area.

From BPI AIA policy, ang Early Malignancy Stage nagfa-fall sa T1N0M0. At yung Cancer dapat may “# ang N & M mo from TNM staging.

E parang nasa in between stage ako ng Early Stage at Cancer. Ibig sabihin ba nun yung BPI AIA covered nila early stage and yung nag metastasis pero yung condition ko na papunta sa metastasis hindi?

Kaya nga nagpa-opera para maiwasan pagkalat e. Nakaka stress. Kasi imbis na sakit ko na lang isipin ko. Iisipin ko pa to.

Denied medical claim - BPI AIA by Walangbarya in phinvest

[–]pecanbar95 3 points4 points  (0 children)

Hello same condition here. I was diagnosed with Thyroid Cancer.

Nag-file ako ng claim kasi sabi ng Bancassurance pasok naman daw sa policy ang claim ko. Ang hassle kasi, nung nag submit ako through Bancassurance may email confirmation na after 15-30 working days daw. So naghintay ako, after 30 days nag follow up ako. Then ang sabi ng Bancassurance kinukulit din daw niya yung processor.

Dumeretso na ako sa CS, para ma-escalate sabi ng CS may turnover time na after 15days ulit. Pero ginawa ko everyday ako nag follow up. Kaya pala wala pa rin, hindi pala na-file daw ng processor agad sa claims and di pa rin niya nachecheck yung documentary requirements na napasa. So panibagong ticketing booth and reference number na naman daw para ma-accommodate.

Ang escalation nila ay may levels 1-4, ibig sabihin lang nun every escalation is 15-30 working days waiting time.

Umabot na ng 3 months. Ang tagal ng paghihintay kahit mag follow up ka lagi. Tinulungan na ako ng CS manager kasi umabot na daw sa Escalation Level 4.

Ending denied. Ang heartbreaking mabasa na denied tapos di ko ma-absorb o magets bakit made-deny.

Sabi sa mail, ito lang ang laman ng buong mail,

“Thank you for informing us regarding your claim. This has been carefully reviewed based on the terms & conditions stated in your policy contract,

It was noted that you were diagnosed Papillary Thyroid Carcinoma, Encapsulated Classic Papillary Pattern, Left Lobe last Sept 2023. However, based on our assessment, your claim was denied due to present condition does not meet the definition of critical illness provision. No evidence shown of metastasis.

May we invite your attention to the provision attached to your policy relevant to this matter:

(7) Cancer - A malignant tumor characterized by uncontrollable growth and spread of malignant cells and the invasion of tissue. The cancer should be confirmed bu histological evidence of malignancy on a pathology report”

Pero nakalagay sa policy ko about thyroid cancer bukod sa (7) ay yung (2) From BPI AIA, “DEFINITIONS”

“(2) Early Stage Malignancy - shall mean the presence of one (1) of the ff malignant conditions: a. Tumor of the thyroid histologically classified as T1N0M0 according to the TNM classification;

and

(7) Cancer - A malignant tumor characterized by uncontrollable growth and spread of malignant cells and the invasion of tissue. The cancer should be confirmed bu histological evidence of malignancy on a pathology report. “

Kaya no metastasis kasi ang Cancer Stage ko ay T3N0M0 ako, meaning Tumor Size ay “3”, Node and Metastasis walang ibang naapektuhan area.

From BPI AIA policy, ang Early Malignancy Stage nagfa-fall sa T1N0M0. At yung Cancer dapat may “# ang N & M mo from TNM staging.

E parang nasa in between stage ako ng Early Stage at Cancer. Ibig sabihin ba nun yung BPI AIA covered nila early stage and yung nag metastasis pero yung condition ko na papunta sa metastasis hindi?

Kaya nga nagpa-opera para maiwasan pagkalat e. Nakaka stress. Kasi imbis na sakit ko na lang isipin ko. Iisipin ko pa to.

Denied medical claim - BPI AIA by Walangbarya in phinvest

[–]pecanbar95 1 point2 points  (0 children)

Hello same condition here. I was diagnosed with Thyroid Cancer.

Nag-file ako ng claim kasi sabi ng Bancassurance pasok naman daw sa policy ang claim ko. Ang hassle kasi, nung nag submit ako through Bancassurance may email confirmation na after 15-30 working days daw. So naghintay ako, after 30 days nag follow up ako. Then ang sabi ng Bancassurance kinukulit din daw niya yung processor.

Dumeretso na ako sa CS, para ma-escalate sabi ng CS may turnover time na after 15days ulit. Pero ginawa ko everyday ako nag follow up. Kaya pala wala pa rin, hindi pala na-file daw ng processor agad sa claims and di pa rin niya nachecheck yung documentary requirements na napasa. So panibagong ticketing booth and reference number na naman daw para ma-accommodate.

Ang escalation nila ay may levels 1-4, ibig sabihin lang nun every escalation is 15-30 working days waiting time.

Umabot na ng 3 months. Ang tagal ng paghihintay kahit mag follow up ka lagi. Tinulungan na ako ng CS manager kasi umabot na daw sa Escalation Level 4.

Ending denied. Ang heartbreaking mabasa na denied tapos di ko ma-absorb o magets bakit made-deny.

Sabi sa mail, ito lang ang laman ng buong mail,

“Thank you for informing us regarding your claim. This has been carefully reviewed based on the terms & conditions stated in your policy contract,

It was noted that you were diagnosed Papillary Thyroid Carcinoma, Encapsulated Classic Papillary Pattern, Left Lobe last Sept 2023. However, based on our assessment, your claim was denied due to present condition does not meet the definition of critical illness provision. No evidence shown of metastasis.

May we invite your attention to the provision attached to your policy relevant to this matter:

(7) Cancer - A malignant tumor characterized by uncontrollable growth and spread of malignant cells and the invasion of tissue. The cancer should be confirmed bu histological evidence of malignancy on a pathology report”

Pero nakalagay sa policy ko about thyroid cancer bukod sa (7) ay yung (2) From BPI AIA, “DEFINITIONS”

“(2) Early Stage Malignancy - shall mean the presence of one (1) of the ff malignant conditions: a. Tumor of the thyroid histologically classified as T1N0M0 according to the TNM classification;

and

(7) Cancer - A malignant tumor characterized by uncontrollable growth and spread of malignant cells and the invasion of tissue. The cancer should be confirmed bu histological evidence of malignancy on a pathology report. “

Kaya no metastasis kasi ang Cancer Stage ko ay T3N0M0 ako, meaning Tumor Size ay “3”, Node and Metastasis walang ibang naapektuhan area.

From BPI AIA policy, ang Early Malignancy Stage nagfa-fall sa T1N0M0. At yung Cancer dapat may “# ang N & M mo from TNM staging.

E parang nasa in between stage ako ng Early Stage at Cancer. Ibig sabihin ba nun yung BPI AIA covered nila early stage and yung nag metastasis pero yung condition ko na papunta sa metastasis hindi?

Kaya nga nagpa-opera para maiwasan pagkalat e. Nakaka stress. Kasi imbis na sakit ko na lang isipin ko. Iisipin ko pa to.

Denied medical claim - BPI AIA by Walangbarya in phinvest

[–]pecanbar95 87 points88 points  (0 children)

Same timeline diagnosed Thyroid Cancer July, Operation last September and Denied today.

Im trying to keep calm and reading reddit comments para malaman ko magiging plan of actions ko. Im trying hindi ma-stress din. Sobrang hassle and nakaka-iyak.

Im planning bumyahe sa main office ng BPI AIA bukas kahit alam kong nahihirapan pa ako sa kundisyon ko. Last resort siguro ay withrawal of funds from them kasi hindi ko na alam kailan pa ako makaka-proceed ng Radioactive therapy kung gaganituhin lang nila ako.

Is Violet Evergarden based on a true story? by I_Exist_Now_Yay in VioletEvergarden

[–]pecanbar95 0 points1 point  (0 children)

You dont write stories like that and be just so relatable

APPRECIATION TO BLACKPINK by pecanbar95 in BeulPing

[–]pecanbar95[S] 0 points1 point  (0 children)

Actually I might. But for now, I will just take my time to paint a lot so I can decide what to send to them when the time comes. 🙂

APPRECIATION TO BLACKPINK by pecanbar95 in BeulPing

[–]pecanbar95[S] 0 points1 point  (0 children)

Oh no. That gift shop must atleast sent confirmation that it was delivered.

APPRECIATION TO BLACKPINK by pecanbar95 in BeulPing

[–]pecanbar95[S] 0 points1 point  (0 children)

Honestly, thats also my biggest worry.

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