WELCOME

To the GSIS Family

Charter
GSIS, a government financial institution, was created by the
Congress of the Philippines through Commonwealth Act
No. 186 on November 14, 1936.
Primary objective: to promote the welfare of government
employees through an insurance system that will protect its
members against adverse economic effects resulting from
death, disability and old age.

(updated as of 14 August 2014)

Other Funds Administered

Employees Compensation Fund, which provides for
work-related social security benefits for the public sector.
General Insurance Fund, which provides non-life
coverage for all properties with government insurable
interest

(updated as of 14 August 2014)

GSIS VISION
In the next five years, we will rebuild the Government Service
Insurance System as the premier pension fund institution
and as a world-class center for providing the highest quality
of service to its members.
GSIS will be an organization that is transparent, autonomous
and beyond public reproach.

(updated as of 14 August 2014)

GSIS MISSION
To regain the trust and confidence of our stakeholders, we will
singularly pursue the social mission of our charter and
promote an efficient organization that is fully-automated and
member-focused.
We will relentlessly strive for continual improvement in our
services driven by integrity, professionalism, and a culture
of public service.

(updated as of 14 August 2014)

GSIS MISSION
We will sustain the financial viability of the System and ensure
its prolonged actuarial life, for the benefit not only of our
existing members, but also the next generation of
government employees.
We will restore the pride of GSIS so as to retain and recruit
staff that share our commitment. Finally, we will endeavor
to empower our members to enable them to participate in
the evolution of our institution.

(updated as of 14 August 2014)

GSIS Offices

(updated as of 14 August 2014)

GSIS Offices

SOUTH

NORTH

Big

Medium

Cabanatua
n
Dagupan

Baguio
Bulacan
Cauayan
Laoag
Pampanga
Tuguegara
o

Small/Extension
Bataan
Bayombong
Iba
La Union
Tarlac

Big
Batangas
Laguna
Naga

(updated as of 14 August 2014)

Medium
Legazpi

Small/Extension
Lucena
Palawan
Sorsogon
Calapan EO
Mamburao EO
Virac EO
Boac EO
Masbate EO

GSIS Offices

MINDANAO

VISAYAS

NCR Area I
Big
Cebu
Ilo-Ilo
Bacolod
Tacloban

Medium
Dumaguet
e

Small/Extension
Catbalogan
Bohol
Roxas
Maasin
Antique EO
Aklan EO
Ormoc EO
Catarmna EO
Borongan EO

Big
Davao
Gen.
Santos

(updated as of 14 August 2014)

Medium
Zamboang
a
CDO
Iligan
Dipolog
Butuan
Tagum
Pagadian

Small/Extension
Cotabato
Malaybalay
Kidapawan
Surigao
Basilan EO
Tandag EO

Major Operational Functions

Membership Administration
Frontline Services
Billing and Collection
Individual Reconciliation of Accounts
Agency Accounts Reconciliation

(updated as of 14 August 2014)

Membership Benefits and

Privileges

(updated as of 14 August 2014)

Types of Membership
1. Regular Member
2. Special Member

(updated as of 14 August 2014)

Coverage
GSIS covers all government workers regardless of
employment status, except:
Members of the Judiciary and Constitutional Commissions
covered by separate retirement laws;
Contractual employees who have no employee-employer
relationship with their agencies; and
Uniformed members of the Armed Forces of the Philippine,
the Philippine National Police, and the Bureau of Jail
Management and Penology
(updated as of 14 August 2014)

Where does my contributions go?

Personal Share
(life and retirement) 9%

Employer Share
(life and retirement) 12%

2% - life insurance
premium

2% - life insurance
premium

7% - retirement
premium

10%- retirement
premium
TOTAL=
21%

(updated as of 14 August 2014)

Three pillars of GSIS

GSIS

MEMBER

To pay the required

premium
contributions

AGENCY

To efficiently manage
funds & dispense
defined benefits
under the law

To remit accurately &

promptly the mandated
contributions for both
personal & government

shares, including loan

repayments

(updated as of 14 August 2014)

Benefit Package
Life insurance
Retirement benefits
Separation benefits
Unemployment benefits
Survivorship benefits
Employees compensation for workrelated contingencies

(updated as of 14 August 2014)

Insurance Benefits
Enhanced Life Policy (ELP)

Termination value
(25% of premiums paid)

Death benefit

Annual dividend

Policy loan
(90% of termination value)

(updated as of 14 August 2014)

ELP Death Benefits

Computed based on the last monthly salary of the
policyholder immediately preceding his death
Gross Amount of
Insurance (AOI)

(Latest

Monthly Salary x 12)

X AOI factor of 1.5

shall be paid to his qualified beneficiaries

as determined by the System

(updated as of 14 August 2014)

Retirement Laws
RA 660 or Magic 87
RA 1616 or Take All
PD 1146
RA 8291 or the GSIS Act of 1997
RA 7699 or the Portability Law

(updated as of 14 August 2014)

RA 8291
Eligibility
at least 15 years of service
at least 60 years old upon retirement
not a permanent total disability pensioner
retired on or after June 24, 1997
Two options
5 year-Lump sum plus Old age Pension after 5 years
18 months Cash payment plus Pension immediately

(updated as of 14 August 2014)

RA 8291
OPTION 1

OPTION 2

5 years lump sum

+ Old Age Pension

18 months cash payment

+ Old Age Pension

60 months BMP upon

18 months cash payment

upon retirement

retirement
monthly pension after
5 years

pension for life upon

retirement

cash gift & pension

Eligible to CLASP

increase after 5 years

cash gift & pension increase

after 5 years

(updated as of 14 August 2014)

RA 8291
Computation of Pension
BMP= (0.025) x (AMC + P700) x Periods with
Premiums Paid (PPP)
BMP not to exceed 90% of AMC
36 years in service to enjoy BMP of 90% AMC
Cash gift and pension increase after 5 years

(updated as of 14 August 2014)

Comparison between Options 1 and 2

Date of Retirement: 03/01/2012
Basic Monthly Pension: P25,000.00
5 years
lump sum

18 months
cash payment

pension to start
on
03/01/2012

60 months

pension to start

total benefits
received

total benefits
received

03/01/2017

P 1.5 M

P 1.95 M

(updated as of 14 August 2014)

60 months
+ 18 months

03/01/2017

CLASP

ELIGIBILITY:

Choice of Loan Amortization

Schedule for Pensioners

Those who retired with immediate

pension under RA 8291, RA 660 and
PD 1146.

PAYMENT PLAN
Retiree may choose a payment plan
between 1 to 3 years

FEATURES:
Housing loan obligation will NOT
be deducted from retirement
benefits.
Retiree may choose a
payment plan between 1 to 3
years

75/25
50/50
25/75

(updated as of 14 August 2014)

= 1 to 3 years
= 1 to 3 years
= 1 to 3 years

Portability Law
(RA 7699)
Eligibility
The total amount of SSS and GSIS contributions will
qualify for pension benefit in either of the institutions
Contributed less than 120 months of SSS contribution
or less than 180 months of creditable government
service (no overlapping of service).

(updated as of 14 August 2014)

Separation Benefit
Cash payment
3 years but less than 15 years of service and below 60
y/o: 100% of the AMC per year of creditable service
payable at age 60
At least 15 years of service and below 60 y/o = 18x BMP
payable immediately; monthly pension at age 60
Prescribes after four years from separation

(updated as of 14 August 2014)

Unemployment Benefit
Eligibility
Separated from service due to reorganization,
abolition of post, redundancy
Benefits
Equal to 50% of AMC, maximum 6 months
based on years of service
Subject to deduction in retirement
claim after re-employment in govt
Prescribes after four years

(updated as of 14 August 2014)

Unemployment Benefit
For those separated from the service due to
reorganization, abolition of position, redundancy
Contribution in years

Benefit duration

1 but less than 3

2 months

3 or more but less than 6

3 months

6 or more but less than 9

4 months

9 or more but less than 11

5 months

11 or more but less than 15

6 months

Prescription Period for Filing: 4 years

(updated as of 14 August 2014)

Disability Benefit
(non-work connected)

Temporary Total Disability (TTD)

Eligibility
in active service at the time of disability
if separated from the service, with at least 36 monthly
contributions within the five (5) year period immediately
preceding the disability; or has paid 180 monthly contributions
prior to disability
Benefit
Minimum of P165/day
Maximum of 75% of daily wage
Paid for a minimum period of 120 days to a maximum of 240 days

(updated as of 14 August 2014)

Disability Benefit
(non-work connected)

Permanent Partial Disability (PPD)

Eligibility
in active service
if separated from the service, with at least 36
monthly contributions within the five (5) year
period immediately preceding the disability; or
has paid 180 monthly contributions prior to
disability
Benefit
Cash payment = BMP x No. of PPD months
* Period of entitlement shall not exceed 12 months for the same
contingency *
(updated as of 14 August 2014)

Disability Benefit
(non-work connected)

PPD and TTD shall be compensable when there is

actual loss of income.
The actual loss of income shall refer to the
number of days when a member went on leave of
absence without pay (LAWOP) reckoned
immediately from the date of commencement of
disability and for the duration of entitlement,
based on medical evaluation.
Any LAWOP incurred after the duration of entitlement to the
benefit shall not be compensable.

(updated as of 14 August 2014)

Disability Benefit
(non-work connected)

Permanent Total Disability (PTD)

CONDITION

BENEFIT

If in active service and has less Basic Monthly Pension

than 15 years of service
(BMP) for life
If in active service and has at least BMP X 18 month plus
15 years of service
pension immediately
If separated from the service and BMP for life
has 36 monthly contributions within
the 5-year period immediately
preceding the disability

(updated as of 14 August 2014)

Survivorship Benefit
Eligibility
primary beneficiaries of deceased members who have been
in the service for 15 years or more of periods with premiums
paid
Benefits
survivorship pension, cash payment equivalent to 18 times
of pension
The surviving spouse is entitled to 50% of the deceased
members pension
In the absence of primary beneficiaries,
beneficiaries shall receive the cash payment only.

(updated as of 14 August 2014)

secondary

Survivorship Benefit
The surviving spouse of deceased members who have
less than 15 years of periods with paid premiums shall
receive a cash benefit/payment equivalent to:
100% of the average monthly compensation for every
year of periods with premiums paid
Prescribes in four years but prescriptive period stops
upon filing of funeral benefit.
The Funeral Benefit application is considered as a
constructive notice of an application for survivorship
claim.

(updated as of 14 August 2014)

Survivorship Benefit
Inactive Members
Primary beneficiaries of inactive members who
have at least 15 years of creditable service shall
receive survivorship pension

(updated as of 14 August 2014)

Funeral Benefit
Order of priority of claimants
for funeral benefit
1.Surviving Spouse
2.Any of the following persons who can
present receipt/s of expenses, provided
that the surviving spouse, if still living, has
acknowledged that this person
shouldered the funeral expenses:
Children of the deceased
member or pensioner
For single deceased member or
pensioner, relatives up to second
degree of consanguinity
Any claimant other than children

(updated as of 14 August 2014)

P20,000 for GSIS

members and
old-age
pensioners
P 10,000 for
uniformed
members of PNP

(PD 626) Employees Compensation &

State Insurance Fund

PD 626 took effect on 1 January 1975 replacing the old

Workmens Compensation Program under RA No.3428;

Implementation is done by 3 agencies of the government:

the Employees Compensation Commission, GSIS and
SSS.

Contribution to the SIF is paid in its entirety by the

employer and any contract or device for the deduction of
any portion of this contribution from the salaries of the
employees shall be null and void.

(updated as of 14 August 2014)

(PD 626) Employees Compensation &

State Insurance Fund

Any sickness is compensable if it is listed by the

ECC as an occupational disease (under Annex A of
the amended rules with all the conditions in such list
satisfied).

Effective Calendar Year 2003, upon approval by the

ECC of the GSIS recommendation, the ECC
contribution was increased from Php30 to Php100

(updated as of 14 August 2014)

GSIS Loan Privileges

Consolidated (salary) loan
Policy loan
Emergency loan

(updated as of 14 August 2014)

Conso-Loan
Loanable Amounts
Length of
Service

Amount of Loan
Based on Current
Basic Salary

20 months

3 months

40 months

4 months

5 years

7 months

10 years and
more

10 months

Interest: 12% based on diminishing

balance

Terms: 6 years for permanent employees;

2 years for non-permanent
employees
(updated as of 14 August 2014)

Policy Loan
Eligibility
Member must be insured for at least one year
Maximum loan amount: 90% of the accumulated
termination value of the policy.
Interest: 8% per annum compounded monthly
Renewable on or after anniversary date.

(updated as of 14 August 2014)

Emergency Loan
Eligibility
Living or residing in declared calamity area
Active member not on Leave of Absence Without Pay
(LWOP)
No arrears in premium
No due and demandable loan
Has paid 12 monthly amortization if there is a previous EL

Amount: Php20,000.00, payable in 3 years

Interest Rate: 6%

(updated as of 14 August 2014)

Be Financially Responsible
Your entitlement to GSIS loans is a privilege as a member.
To avoid future problems concerning your GSIS loans:
Make repayments on time. Coordinate with your AAO for
the timely deduction (from your salary) of your loan
repayments. Late payment of your monthly amortizations
will result in the imposition of surcharges.
Ensure that correct payments are being made to avoid
additional interests on underpayments. For example,
if you applied for a Consoloan in the amount of P10,000.00,
and the computed monthly amortization is P1,000.00, then
you must be deducted P1,000.00. If you are deducted only
P800.00, the P200 underpayment will be subjected to
additional interest and surcharges.
(updated as of 14 August 2014)

Be Financially Responsible
Keep track of your loan availments. Manage your debts
wisely to avoid arrearages (non-payment) on your monthly
amortizations. Remember that loan arrearages will be
deducted from your future benefits in the GSIS (i.e.,
retirement claim, separation, life and others), thus reducing
the amount of benefit that you will receive in time of
contingency (i.e., separation from the service, etc.)
Settle obligations promptly. All loans availed in the GSIS
have a pre-termination clause; which means that in case
of your sudden separation from the service, all outstanding
loans will immediately become due and demandable.
Settle the outstanding obligation promptly, to avoid the
accumulation of interests which will make it more difficult to
settle. The GSIS has extra-judicial collection mechanism
applied to separated members with outstanding obligations.
(updated as of 14 August 2014)

Pension Loan
Eligibility
Old-age pensioner under RA 660, PD 1146 or RA 8291
Loanable Amount
60 to 65 yrs. old
65 to 70 yrs. old
70 yrs. old and above

6x pension not exceeding P100K

4x pension not exceeding P60K
2x pension not exceeding P20k

Terms: 24 months to pay at 10% interest per annum

Has Loan Redemption Insurance

(updated as of 14 August 2014)

Road to Electronic Processing:

The GSIS eCard and Kiosks

Evolution of the GSIS eCards

1st Generation: eCard

2nd Generation: eCard Plus

3rd Generation: UMID

The GSIS eCard

Features / Uses of the GSIS eCard
1st Generation:
eCard

2nd Generation:
eCard Plus

3rd Generation:
UMID

Identification Card
ATM card
Debit card
Disbursement card for loans,
dividends and monthly pensions

Identification Card
ATM card
Debit card
Disbursement card for loans,
dividends and monthly pensions
Discount Card
Enabled to store bigger amount
of information with the new
features:
Biometrics
RFID
Wireless telephony

Identification Card
ATM card
Debit card
Disbursement card for loans,
dividends and monthly pensions
Discount Card
Enabled to store bigger amount
of information with the new
features:
Biometrics
RFID
Wireless telephony
One ID to be used by GSIS,
Pag-ibig and Philhealth with the
use of a Common Reference
Number (CRN) per EO 420

(updated as of 14 August 2014)

Used e-Card in Paying Claims starting Oct 14, 2013

Claim proceeds now

electronically
credited via eCards
instead of checks
Ensures
timely
release of benefits

me
e
r
eti
h
t
R
a
De
-need
e
r
V
P
CS
rity
u
t
y
a
t
i
M
bil
im
Cla

Dis

Makes processing
twice as fast than
traditional
check
payment
(updated as of 31 July 2014)

im
Cla
l
era
nt
Fun

Your eCard and the

GSIS Wireless Automated Processing System or GW@PS

Apply for loans ( 919 GW@PS kiosks deployed nationwide)

View personal records
Renew active status (of pensioners)
(updated as of 14 August 2014)

The Agency Authorized Officer

(AAO)
The AAO is an officer designated by his agency through a
memorandum of agreement with GSIS.
Responsibilities

Ensures that the applicant meets all the qualifications to

obtain a GSIS loan before certifying it

Provides information on updates in the membership records

of members

Provides employment information to GSIS pertinent to

claims application
Maaasahan ng
Lingkod - Bayan
(updated as of 14 August 2014)

56

The GSIS Liaison Officer

Responsibilities
Represents his/her agency in all transactions in GSIS.
Disseminates information to his/her co-workers about new GSIS
policies or programs
Ensures that documents required in filing of claims are complete

Maaasahan ng
Lingkod - Bayan
(updated as of 14 August 2014)

57

Products

THE GSIS MANDATE

REPUBLIC ACT (RA) 656

PRESIDENTIAL DECREE (PD)
245
ADMINISTRATIVE ORDER (AO)
33
ADMINISTRATIVE ORDER (AO)
141

REPUBLIC ACT 656 (RA 656)

An act to create and establish a Property Insurance
Fund and to provide for its administration and for
other purposes.
To indemnify or compensate the government for any
damage to, or loss of , its properties due to fire,
earthquake, storm or other casualties.
To authorize the GSIS to reinsure with private
insurance companies under such terms and conditions
that may be mutually agreed upon any excess risks it
may deem advisable.
To issue insurance covers for all properties over which
the government has insurable interest under such

REPUBLIC ACT 656 (RA 656)

To prescribe the necessary rules and regulations
including incidental powers necessary for its
operations;
To require inventory of government properties,
determine their value for purposes of insurance and
advise these offices of the premiums they will pay.
To adopt premium rates which shall not exceed the
rates charged by private insurance companies

GSIS offers affordable

Optional Non-Life Insurance
to members

ONLI Products
Fire Insurance
Motor Vehicle Insurance
Personal Accident Insurance

Fire Insurance

Fire Insurance

GSIS ONLI Fire Insurance

GSIS offers the most affordable fire insurance

Available to all active GSIS members

dependents, retirees & pensioners

&

their

WHAT CAN BE COVERED?

Residential Unit
Townhouse Unit

Condominium Unit
Apartment Unit

Any of the above commercial/business units owned by a corporation

where any of the qualified assureds own MAJORITY SHARE in the
corporation

Household/business furniture/fixture/personal fittings/effects owned by

qualified assureds

(updated as of 14 August 2014)

Fire Insurance
The standard fire policy may be extended to
include the additional perils of:
Full Earthquake
Typhoon
Flood
Riot, Strike and Malicious Damage
Robbery/ Burglary
Extended Cover
Falling Aircraft
Vehicle Impact
Explosion
Smoke
NOTE: Deductible

Fire
Insurance

MOTOR VEHICLE INSURANCE

A protection provided against
Hazard and Liabilities arising
from the use, maintenance
and ownership of the vehicle
insured.

Fire Insurance

The lowest & most affordable motor vehicle insurance in the

market
Comprehensive Insurance coverage provides protection of
the insured's vehicle against loss or damage due to accident
Available to GSIS members and relatives within the first
degree of affinity

(updated as of 14 August 2014)

Fire Insurance
TABLE OF DEDUCTIBLES
PERIL

Typhoon, Flood, Full

Earthquake

2% of the actual value of the affected

item of insured Property at the time of
loss for each claim or series of claims

Extended Cover

1% of the sum insured on the affected

item at the time of the loss, subject to
a minimum of Php 1,000 and a
maximum of Php 500,000 in respect
of aircraft, smoke, explosion and
vehicle impact.

Fire Insurance

BASIC REQUIREMENTS
Duly filled out Application Form
Certificate of Availability of Funds
Latest Inventory with Latest Appraisal
Value

INSURANCE PRODUCTS

MOTOR VEHICLE INSURANCE

A protection provided against Hazard
and
Liabilities arising from the use,
maintenance
and ownership of the
vehicle insured.

MOTOR VEHICLE INSURANCE

MOTOR VEHICLE INSURANCE

MOTOR VEHICLE INSURANCE

COVERAGE
CTPL Compulsory Third Party
Liability
Comprehensive Coverage
LD Loss/Damage
AON Acts of Nature
PD Property Damage
EBI Excess Bodily Injury
UD Unnamed Driver
UPPA Unnamed Passenger
Personal Accident

MOTOR VEHICLE INSURANCE

Type of Vehicle
- Private Car
Period of Cover
- one year
Coverage
Sum Insured
Premium
CTPL
Php 100,000.00
Php 495.00
Loss/Damage(LD)
1,000.000.00
4,134.00
Acts of Nature
1,000,000.00
550.00
Property Damage
100,000.00
730.00
EBI
100,000.00
180.00
Unnamed Driver
10,000.00
25.20
UPPA for 6 passengers
10,000.00/passenger 151.20

TABLE OF DEDUCTIBLES
0.5% of the sum insured for Loss
Damage/ AON Cover
Motor Vehicle - Commercial 1% of the sum insured for Loss
Vehicle and Motorcycles
Damage/ AON Cover

1% of the sum insured, any one

Floater - Heavy Equipment
loss
Floater - Movable Equipment 10% of sum insured due to theft
(cellphones, laptop, camera)
(if with theft cover)
Motor Vehicle - Private Car

Floater - Movable Equipment 5% of sum insured of each item

(cellphones, laptop, camera)
for losses other than theft

MOTOR CAR REQUIREMENTS

NEW

Brand New (CTPL and COMPRE)

A. Sales Invoice
B. Application Form duly signed by the Head of Office and /or Authorized Official
(Please indicate the contact person and contact number)
If the Dealer will file letter of authorization from the Assured
C. Stencil of Motor and Chassis Number
D. Letter request from the Assured that they are requesting for CTPL Cover Only

New Application
1.2.1
CTPL
a.
Application Form duly signed by the Head of Office and/or Authorized
Official (Please indicate the contact person and contact number)
b. Photocopy of OR/CR
b.1
If registered under the name of the Insured OK
b.2
If not, please submit EITHER of the following:
b.2.1
Deed of Sale
b.2.2.
Deed of Donation
b.2.3 Deed of Transfer
b.2.4 Deed of Assignment
b.2.5
Memorandum of Receipt (MR)
c. Letter request from the Assured that they are requesting for CTPL Cover Only
1.2.2
COMPRE
a. Requirements a and b under CTPL
b. Pictures of the vehicle four (4) sides
c. Amount of vehicle to be insured

MOTOR CAR REQUIREMENTS

RENEWAL
Photocopy (Xerox copy ) of OR/CR
If transfer of ownership, copy of
Memorandum of Receipt (MR)
For LAPSED compre policies
Pictures of the vehicle four (4)
sides
Application Form

INSURANCE PRODUCTS
GROUP PERSONAL ACCIDENT
INSURANCE (GPAI)
Type of Insurance which provides benefits/
indemnity in case of losses to the person or
physical well-being of an insured individual arising
out of an accident.

GPAI COVERAGE
Accidental Death/
Dismemberment/Loss of Sight,
Hearing, Speech /Total Permanent
Disability
Medical Reimbursement (10% of
Principal Sum maximum of Php
50,000)
Bereavement
10,000)

Assistance

(Php

Unprovoked
Murder
(50%
of
Principal Sum maximum of Php

BASIC REQUIREMENTS
Letter Request (indicate Sum Insured)
Certificate of Availability of Funds
List of Employees with positions to be
covered
(hard & soft copy)

GSIS ONLI
Personal Accident Insurance
For a minimum amount of Php51.00, a GSIS active member can be insured up
to Php50,000.00 annually.
GSIS Insurance (ONLI) provides benefits/indemnity in cases of loss to the
person or physical well-being of an insured individual arising out of an
accident.

Scope of Coverage
24 hour Worldwide Accident Insurance
Cover includes travelling abroad as a
passenger in a commercial airline

(updated as of 14 August 2014)

PROVIDES BENEFITS/INDEMNITY IN
CASE OF LOSSES TO THE PERSON
OR PHYSICAL WELL BEING OF AN
INSURED INDIVIDUAL ARISING OUT
OF ACCIDENT
(Who are qualified?)
Active Member/Retirees/Pensioners
Children,Parents, Brothers & Sisters
Age 3-80 y/o

Premium rates

Premium rates

BASIC REQUIREMENTS
Application duly signed (please indicate contact
number)
Amount of Insurance applied for Principal Sum,
Medical Reimbursement and Bereavement Assistance
Address (Home and Office)
Beneficiaries

At the new GSIS, its all about serving our members and
pensioners with the utmost RESPECT, COURTESY and
KINDNESS

Maaasahan ng
Lingkod - Bayan
(updated as of 31 July 2014)

90

Welcome to your
Pension Fund!

(updated as of 14 August 2014)

GSIS: Maaasahan ng
Lingkod-Bayan
Maaasahan ng
Lingkod - Bayan
(updated as of 14 August 2014)

92

Thank
you