Alaga Shield
A health savings fund that grows while your money works. Choose your contribution per loan, and watch it accumulate into real health coverage for you and your family.
Choose your amount
Select PHP 100 to PHP 500+ per loan. Higher contributions = faster health coverage.
Money works for you
Your CLIP fund is deployed as lending capital, earning returns every day.
Coverage unlocks
After 6 completed loans (1 year), your accumulated balance can be used for health services.
Use or grow it
Use for health check-ups with receipt reimbursement, or let it keep growing for bigger coverage.
Choose the tier that fits your budget. Higher tiers grow your health fund faster.
Standard Tier
PHP 150 per loan · 6 loans per year
Year-End Balance
PHP 1,917.32
Your Contributions
PHP 900.00
Interest Earned
PHP 1,017.31
Return
113%
Growth Per Loan Cycle
Health Services Your Balance Can Cover
Coverage based on full balance (contributions + interest). You can use your CLIP for any health service — just provide a receipt for reimbursement.
Shows the earliest loan after which your accumulated interest alone can cover each service.
| Service | Cost | Basic PHP 100 | Standard PHP 150 | Plus PHP 200 | Premium PHP 300 | Elite PHP 500 |
|---|---|---|---|---|---|---|
| BP/sugar screening | PHP 300 | Loan 5 | Loan 4 | Loan 3 | Loan 3 | Loan 2 |
| Minor wound treatment | PHP 300 | Loan 5 | Loan 4 | Loan 3 | Loan 3 | Loan 2 |
| Basic lab work (CBC, urinalysis) | PHP 500 | Loan 6 | Loan 5 | Loan 4 | Loan 4 | Loan 3 |
| Chest X-ray | PHP 500 | Loan 6 | Loan 5 | Loan 4 | Loan 4 | Loan 3 |
| General check-up | PHP 500 | Loan 6 | Loan 5 | Loan 4 | Loan 4 | Loan 3 |
| Dental cleaning | PHP 800 | Year 2+ | Loan 6 | Loan 5 | Loan 4 | Loan 4 |
| Eye consultation + basic Rx | PHP 800 | Year 2+ | Loan 6 | Loan 5 | Loan 4 | Loan 4 |
| Prenatal check-up | PHP 600 | Loan 6 | Loan 5 | Loan 5 | Loan 4 | Loan 3 |
| Dental extraction (1 tooth) | PHP 1000 | Year 2+ | Loan 6 | Loan 6 | Loan 5 | Loan 4 |
| Complete blood panel | PHP 1200 | Year 2+ | Year 2+ | Loan 6 | Loan 5 | Loan 4 |
Based on interest earned from lending. "Year 2+" means the service becomes available as the balance compounds into Year 2.
All tiers earn approximately 113% return on contributions through lending.
| Tier | Per Loan | Contributed | Interest | Balance | Services Covered |
|---|---|---|---|---|---|
| Basic | PHP 100 | PHP 600.00 | PHP 678.20 | PHP 1,278.20 | 3 of 10 |
| Standard | PHP 150 | PHP 900.00 | PHP 1,017.31 | PHP 1,917.32 | 4 of 10 |
| Plus | PHP 200 | PHP 1,200.00 | PHP 1,356.40 | PHP 2,556.40 | 5 of 10 |
| Premium | PHP 300 | PHP 1,800.00 | PHP 2,034.59 | PHP 3,834.59 | 7 of 10 |
| Elite | PHP 500 | PHP 3,000.00 | PHP 3,390.99 | PHP 6,390.99 | 9 of 10 |
You have full control over your CLIP fund. Here are your options:
Option 1 — Use for Health Services
Visit any clinic or health provider, pay out of pocket, then submit your receipt to Kabuhayan for reimbursement from your CLIP balance. You can use it for any health-related service — check-ups, dental, eye exams, lab work, and more.
Option 2 — Planned Withdrawal
Give us 30 days advance notice and receive your full CLIP balance — contributions plus all earned interest. No penalty whatsoever. Your CLIP membership ends after withdrawal.
Option 3 — Immediate Withdrawal
Need your money right away? You can withdraw immediately, but a 15% early exit fee applies. This covers the cost of recalling funds that may be deployed in active loans. Processed within 1-3 business days.
Option 4 — Keep Growing (Recommended)
The longer your CLIP stays in the system, the more it earns. A PHP 150/loan CLIP grows from PHP 1,917 after Year 1 to PHP 8,270 after Year 2, to PHP 29,320 after Year 3. That is enough to cover every health service on our menu — multiple times over.
These are the estimated costs for common health services in the Philippines. Your CLIP can be used for any health-related expense — just provide a receipt.
Prices are estimates based on average Philippine market rates. Actual costs may vary by provider and location. CLIP reimburses based on actual receipts.
Minimum 1 year with Kabuhayan (6 completed loan cycles)
Your CLIP must be opted-in on each loan to count toward eligibility.
Good standing — no Suspension or Ban
Borrowers on Warning or Probation are still eligible. Suspended or Banned borrowers must resolve their status first.
Active CLIP contribution on current or most recent loan
You must have an active CLIP to use health benefits. If you skip CLIP on a loan, your eligibility pauses.
Receipt required for reimbursement
Provide an official receipt from any licensed health provider. Kabuhayan reimburses from your CLIP balance within 3-5 business days.
Your health is your wealth.
Start building your CLIP fund today. The earlier you start, the more coverage you unlock. Talk to your collector or check the CLIP option on your next loan application.
Alaga Shield — Kabuhayan Cares