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Question and Answer: Compulsory Insurance Policy For Agency-Hired OFWS

Do you have to take employers insurance? Now you can be secured while working abroad. We have an insurance solution that will provide protection for overseas migrant workers (OFW) from unjust and immediate termination or dismissal by employers abroad. For public information we have prepared these frequently asked questions for you.

1.What is the Migrant Workers and Overseas Filipinos Act (MWOFA) of 1995, as amended?

This is the law that protects the Overseas Filipinos and Migrant Workers. It provides adequate and timely social, economic and legal services to Filipino migrant workers .It affords protection to labor organized and unorganized, and promotes full employment and equal employment opportunities

2. Does the MWOFA of 1995, as amended promote overseas work to sustain Philippine economic growth?

No. The law sees to it that if a Filipino Citizen freely chooses to work overseas, he/she is assured that his/her dignity, fundamental human rights and freedoms shall not be compromised or violated in the host country.

3. Who is an Overseas Filipino Worker (OFW)?

A Filipino Citizen who is about to engage, presently engaged, or engaged in the past in an activity with compensation:

a) in another country where he/she is not a citizen;

b) on board a vessel navigating foreign seas excluding government ship used for military on non-commercial purposes; or

c) on an installation located offshore or on high seas.

4. What is the difference between an OFW and a migrant worker?

They mean the same thing. In the context of MWOFA of 1995, as amended, the terms OFW and migrant worker are used interchangeably.

5. What is the difference between an agency-hired OFW and a direct-hired OFW or a name-hired OFW?

An Ofw is agency-hired if he/she availed services of a recruitment/manning agency duly authorized by the Department of Labor and Employment (DOLE) through the Philippine Overseas Employment Agency (POEA).
On the other hand, an OFW is direct-hired or name-hired if he/she was hired directly by foreign employers such as:

international organizations, diplomatic corps; and those who were able to get an employment without the assistance or participation of any recruitment /manning agency.

6. What is the Agency-Hired OFW Compulsory Insurance (OCI)?

The Agency-Hired OFW Compulsory Insurance or the Compulsory Insurance Coverage for

Agency-Hired Migrant Workers, is an insurance

mechanism made available by the law to provide insurance protection for the OFWs.

7.What is the Compulsory Insurance Coverage for Agency-Hired Migrant Workers?

This is also the Agency-Hired OFW Compulsory Insurance. Refer to frequently asked question no. 6


8. Who are covered by the Agency-Hired OFW Compulsory Insurance?
The Agency-Hired OFW Compulsory Insurance is mandatory or agency-hired OFWs.
It is not mandatory for direct-hired,
name-hired,or re-hired OFWs. If interested
they can also avail of this insurance.




Presidential Communications Secretary Martin Andanar announces the printing of new passports starting August 15. The new passports have an improved design that features the regions of the country and an upgraded microchip security feature to capture the personal data of the applicant, invisible UV fluorescent ink and thread, and elaborate design when subject to UV light. The APO Production Unit is tasked to produce the Philippine passports, and is a government owned and controlled corporation under the Presidential Communications Office.The new passport that contains “intaglio printing” most commonly used in printing money or currency so it will not be faked and the “printing of the coat of arms using optical variable illusion ink where color varies at different angle” can now be claimed by applicants for only 5 days.


“All Philippine passports are now integrated with chips that contain the data of the holder. These new passports are called ePassports. The ePassport is a global standard in travel documents, and as a member of International Civil Aviation Organization (ICAO), the Philippines is required to adhere to their standards.


House Bill No. 4767, is a measure seeks to amend Republic Act No. 8239, or the “Philippine Passport Law,” which currently states that a passport is valid for a period of five years, regardless of the age of the applicant.Under the bill, the validity will be extended to 10 years for adults, or those 18 years old and above.It states, however, that the issuing authority “may limit” the period of validity to less than 10 years in the case of minors, or “whenever the national economic interest or political stability of the country” makes it necessary.The bill will be transmitted to Senate for concurrence.One of the principal authors of the new passport bill is former president and Pampanga Rep. Gloria Macapagal-Arroyo, who now sits as a deputy speaker.

Why OFWs Remain in Neck-deep Debts After Years Of Working Abroad?

From beginning to the end, the real life of OFWs are colorful indeed. To work outside the country, they invest too much, spend a lot. They start making loans for the processing of their needed documents to work abroad.


In a Facebook post of Agriculture Secretary Manny Piñol, he said that after a presentation made by Dept. of Information and Communications Technology (DICT) Secretary Rodolfo Salalima, Pres. Duterte emphasized the need for faster communications in the country.Pres. Duterte earlier said he would like the Department of Information and Communications Technology (DICT) “to develop a national broadband plan to accelerate the deployment of fiber optics cables and wireless technologies to improve internet speed.” As a response to the President’s SONA statement, Salalima presented the DICT’s national broadband plan that aims to push for free WiFi access to more areas in the countryside.


In January, Health Secretary Paulyn Ubial said that President Duterte had asked her to draft the executive order similar to what had been implemented in Davao City when he was a mayor, it is the “100% smoke-free environment in public places.”Today, a text message from Sec. Manny Piñol to ABS-CBN News confirmed that President Duterte will sign an Executive Order to ban smoking in public places as drafted by the Department of Health (DOH).

How to File Employment Compensation for Private Workers

If you know someone who is sick, had an accident or relatives of an employee who died while on duty, you can help them and their families by sharing them how to claim their benefits from the government through Employment Compensation Commission.

Requirements and Fees for Reduced Travel Tax for OFW Dependents

What is a travel tax?

According to TIEZA ( Tourism Infrastructure and Enterprise Zone Authority), it is a levy imposed by the Philippine government on individuals who are leaving the Philippines, as provided for by Presidential Decree (PD) 1183.

A full travel tax for first class passenger is PhP2,700.00 and PhP1,620.00 for economy class. For an average Filipino like me, it’s quite pricey. Overseas Filipino Workers, diplomats and airline crew members are exempted from paying travel tax before but now, travel tax for OFWs are included in their air ticket prize and can be refunded later at the refund counter at NAIA.

However, OFW dependents can apply for standard reduced travel tax. Children or Minors from 2 years and one (1) day to 12th birthday on date of travel.

Accredited Filipino journalist whose travel is in pursuit of journalistic assignment and

those authorized by the President of the Republic of the Philippines for reasons of national interest, are also entitled to avail the reduced travel tax.


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