Cisco 500-651 : Security Architecture for Systems Engineer (SASE) ExamExam Dumps Organized by Bartholomew
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Test Number : 500-651
Test Name : Security Architecture for Systems Engineer (SASE)
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Security Architecture for Systems Engineer (SASE)
Cisco Security & Threat landscape
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Web & Email Security
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NGFW and NGIPS
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Policy and Access
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The Senate and the apartment of Representatives have held marathon investigative hearings on alleged rampant corruption in the Philippine medical health insurance corporation (PhilHealth), and there appears to be no end to the anomalies uncovered all through these sessions.
part of what makes it elaborate to spot the irregularities is the complexity of PhilHealth itself: 6,000 employees in a hundred thirty places of work nationwide transacting 35,000 claims each day with eight,500 hospitals and 40,000 healthcare authorities, in keeping with Ricardo Morales, the embattled PhilHealth president and CEO who resigned on August 26.
Morales not ever denied there's fraud going on in PhilHealth. Citing a 2019 look at, he observed the executive-owned employer loses an ordinary of 7.5% of its money to fraud each year. In 2019, that 7.5% became corresponding to P10 billion.
Fraud is inherent to any countrywide fitness system, even in developed countries, Morales spoke of. Unscrupulous improvement claimants are bound to are attempting to get more than their rightful share. within the case of the Philippines, they would be hospitals and clinics who cowl the charge of PhilHealth individuals’ consultations and treatments in strengthen, and best reimburse them after their capabilities had been rendered.
What Morales and other PhilHealth executives are accused of, and which they deny, is that the fraud goes all the approach up the gadget – that some, if now not all, of them are complicit in schemes that bleed the state insurer beyond that 7.5% “over-the-counter” fraud.
here is a short rundown of the allegations unearthed from the congressional investigations.
interim repayment Mechanism
one of the vital greatest anomalies lawmakers noticed were fund releases beneath PhilHealth’s period in-between repayment Mechanism (IRM).
As of June 9, PhilHealth had launched greater than P14 billion under the IRM to different hospitals and clinics everywhere the country – when it would have taken effect simplest on June 11. in brief, that P14 billion changed into paid out illegally.
what's the IRM? it is a system of giving hospitals and clinics money to use all over “fortuitous hobbies” – say, a plague – as a result of PhilHealth owes them large sums in perennially delayed reimbursements.
as a result of PhilHealth is incapable of directly computing exactly how a great deal it owes every health center and sanatorium – with disputes and fraudulent claims to variety out – it decided it will approximate three months’ value of standard claims of those hospitals and clinics and provides it to them in develop. hence, “meantime reimbursements” are provided to tide them over the crisis while PhilHealth tarries with again payments owed them.
The difficulty with the IRM is 2-pronged. On the one hand, lawmakers requested even if it is criminal since it is basically a gadget of cash advances, not reimbursements, and hence should have been field to stricter controls – reminiscent of regular audits and prompt liquidation.
even so, supposing it's felony, the lawmakers found gross inequities in how PhilHealth chosen which hospitals and clinics got IRM cash, and how a whole lot.
Case in aspect: dialysis and maternity clinics. These do not cater to COVID-19 patients, and yet many such clinics were the earliest recipients of IRM money. in the meantime, a number of COVID-19 referral hospitals waited months to receive their IRM allotment. Lawmakers noted this defeated the goal of the IRM.
It additionally led lawmakers to suspect malfeasance among the PhilHealth executives who licensed the IRM payments, together with Morales.
Why would some hospitals or clinics get hold of thousands and thousands in IRM money ahead of others? Senators observed they may sniff “politicking” and “favoritism” in the scheme.
In defense, Morales pointed out it was a matter of the hospitals’ and clinics’ efficiency, or which ones submitted the comprehensive IRM utility requirements first.
The senators directly debunked this – some hospitals that submitted finished necessities in April had been still ready for his or her IRM allotments in August.
PhilHealth senior vp for the legal sector Rodolfo del Rosario Jr – who has considering that resigned from his publish – admitted in a house hearing that the IRM releases from March to early June have been “unlawful.”
Why? The PhilHealth circular that approved the use of the IRM for the COVID-19 pandemic took effect only on July eleven, 2020, yet the company begun its disbursements as early as March.
IRM withholding tax
since the IRM is well-nigh an develop price gadget, PhilHealth should have withheld the tax from the funds it paid the hospitals and clinics.
however, PhilHealth fund management sector senior vp Renato Limsiaco Jr failed to try this. at the Senate probe, he first claimed he did not recognize the IRM funds have been field to withholding tax. however when the senators did not purchase this alibi, Limsiaco observed he knew about it in spite of everything, however that he left it to the hospitals and clinics to return the withholding tax to PhilHealth.
meanwhile, Limsiaco spoke of he dipped into PhilHealth’s company operating price range to cowl the hospitals’ and clinics’ tax obligation. This, in line with Senator Panfilo Lacson, is a violation of the inner profits Code.
Proposed assistance expertise finances
an extra predominant anomaly recognized right through the Senate investigation become the alleged bloating of PhilHealth’s proposed tips expertise (IT) funds for 2020.
Alejandro Cabading, a member of PhilHealth’s board of directors, told the Senate that gadgets on the IT department’s proposed P2.1-billion finances had quantities vastly better than what turned into counseled by way of the department of assistance and Communications expertise (DICT).
In total, Cabading spoke of the proposed IT funds became P734 million more than what it should have been, in response to the DICT’s counseled information programs strategic plan for the state insurer.
Some gadgets on the proposed funds were decidedly indistinct and redundant, corresponding to two entries for “laptops,” one price P115 million and an extra, P4 million. The entries didn't specify the variety of laptops to be procured.
Procurement of IT community switches
In January 2020, the commission on Audit (COA) flagged a 2019 PhilHealth thought to procure 15 Cisco network switches because it had 24 fresh devices of the equal item that have been unused and still in their boxes. The COA noted buying 15 extra network switches can be “disadvantageous to the executive.”
Following a lead from Etrobal Laborte, Morales’ head government assistant who resigned in July, the Senate scrutinized the procurement idea for the 15 community switches and located it to be “grossly overpriced,” as Senator Panfilo Lacson put it.
The suggestion pegged each community switch at P348,000, when a more moderen mannequin changed into available in the market for less than about P62,000 apiece, according to Laborte’s analysis.
on the Senate listening to on August 18, PhilHealth senior vice chairman and IT chief Jovita Aragona, and senior IT officer Calixto Gabuya Jr admitted they didn't “inform the entire reality” once they were first questioned concerning the network switches.
although the COA crimson flag put the procurement plan on dangle, Lacson and different senators slammed Morales, Aragona, and different PhilHealth executives for now not sounding the alarm when their attention turned into called to it.
'Manipulated' economic statements
Cabading advised the Senate panel that he had a tricky time asking PhilHealth executives to discuss the agency’s monetary statements all over board conferences.
Upon scrutiny, Cabading spoke of he discovered that a number of financial statements were “doctored” to cowl up inconsistencies and losses that could had been intricate, if no longer unattainable, to clarify to the board.
Lacson stated this is an immense telltale sign that PhilHealth become being robbed of money big time, and that it involved the complicity of at the least a few of its proper executives.
Dennis Adre, PhilHealth’s longtime Davao regional vp, alleged that the “window-dressing” of the state insurer’s monetary statements begun in 2004, when fitness Secretary Francisco Duque III, then PhilHealth president, distributed 5 million fitness cards for which PhilHealth changed into in no way paid.
Duque denied these allegations.
Overpayments in all case cost system
PhilHealth’s all case expense gadget has turn into notorious after congressional lawmakers uncovered the state health insurer had overpaid hospitals via as tons as P102 billion from 2013 to 2018.
The case rate is a fixed quantity which PhilHealth will reimburse for a specific ailment, together with funds for healthcare authorities and use of clinical facilities. PhilHealth began implementing case expense packages in 2011, all over the presidency of Benigno “Noynoy” Aquino III.
earlier than this, PhilHealth had a payment-for-provider or pay-per-service equipment, wherein medical amenities had been paid according to the certain carrier given to a patient.
during this scheme, PhilHealth individuals have been charged for every provider and merchandise used of their medicine. besides the tedious process of itemizing every member's advantage declare below this scheme, docs and hospitals could without difficulty pad each and every merchandise – or add greater gadgets – to enhance the quantity they reimbursed from PhilHealth.
The all case rate equipment is supposedly in accordance with the regular expenses of remedy for each average ailment. With it, the government hoped to keep away from fraudsters from bloating reimbursements of features given to PhilHealth individuals.
for this reason, for COVID-19 sufferers, for example, PhilHealth has 4 distinct case rates. mild situations get a fixed quantity of P43,997, reasonable circumstances get P143,267, severe cases obtain P333,519, and COVID-19 sufferers in important condition obtain P786,384 in insurance claims.
Lawmakers believe the case expense applications are the basis cause of corruption in PhilHealth, as it forces the company to pay a certain quantity, although the patient’s medical costs are much lower than that.
in one residence hearing, legal professional-grew to become-Ang Magsasaka-consultant Argel Cabatbat bared the modus of South Cotabato-based neurologist Dr Mark Dennis Menguita, who would allegedly “recruit” PhilHealth participants into his well being application, then misdiagnose them as having severe illnesses just so he may get larger coverage claims.
Cavite seventh District consultant Jesus Crispin Remulla calls the case rate packages an “unjust enrichment” scheme for hospitals, while Marikina city 2nd District consultant Stella Quimbo mentioned the equipment gives “incentives” for hospitals to commit fraud.
further burden on OFWs
Even remote places Filipino worker's (OFWs) don't seem to be secure from the anomalies hounding PhilHealth.
Susan Ople, head of the Blas F. Ople coverage core, informed lawmakers that PhilHealth had introduced requirements for OFWs in the implementing guidelines and regulations (IRR) even if these have been not stipulated in the text of the prevalent health Care legislations or Republic Act No. 11223.
The IRR requires OFWs to first pay for his or her PhilHealth contributions before they could get their distant places Employment certificates, which serves as proof that a migrant worker is documented.
PhilHealth later issued a controversial order in April mandating that the contributions of OFWs with monthly salaries between P10,000 and P60,000 will now be 3% of their salaries, bigger than the two.seventy five% rate in 2019.
OFWs raged over this round, calling it “unfair” and “inhumane” because lots of them have been already losing salary or, worse, losing their jobs totally, as a result of the COVID-19 pandemic.
This caused President Rodrigo Duterte to order PhilHealth to make OFW contributions voluntary, forcing PhilHealth to quickly suspend collections for “direct individuals” in may also.
All these irregularities point to the existence of a “mafia” within PhilHealth, lawmakers talked about. Such excessive-stakes fraud and manipulation couldn't had been pulled off without the complicity of some officers in excessive areas.
Thorrsson Montes Keith, who resigned as PhilHealth anti-fraud felony officer in late July, alleged that individuals of PhilHealth’s govt committee “misspent or pocketed” P15 billion.
Keith stated these officers incorporate a “syndicate or mafia” that perpetuates illegal operations in the state insurer.
So who are the contributors of that so-referred to as mafia? Cabading named four officers from the PhilHealth govt committee:
however, Senator Richard Gordon named a different set of individuals as a part of that “mafia,” based on a Senate probe he led in August 2019. they are members of PhilHealth’s so-called Mindanao group:
The officers on Gordon’s listing have been in fact the whistleblowers during the August 2019 probe. within the August 2020 probe, despite the fact, some participants of the executive committee alleged that the 2019 whistleblowers were the mafia. however Cabading and Keith rebuffed them, saying the Mindanao group had been “the decent guys” who had been “crusaders” against corruption in PhilHealth.
With conflicting allegations of who are within the PhilHealth mafia, Gordon observed “they're all one mafia.”
Lacson spoke of he's inclined to agree with the testimonies of Cabading, Keith, and Laborte, in addition to those of the Mindanao group – that some contributors of the government committee are responsible of larger crimes.
The Senate is expected to unencumber its committee report and proposals from its probe after Monday, August 31. Senator Panfilo Lacson referred to the record will consist of an inventory of people who should still be held responsible for the anomalies, and should establish possible situations in opposition t them.
The house, for its half, is decided to dangle yet another listening to on Wednesday, September 2. – Rappler.com
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