Palawan ProtekTODO Policies

Palawan ProtekTODO comes in seventeen (17) different policies to give utmost security and to suit each of our customer’s needs.

Mas pinaganda at abot-kayang Insurance policy para sa mga Estudyante!

1. Palawan ProtekTODO Eskwela Max 30

A Personal Accident Insurance valid for (1) one year for individuals aged 5-70 years old. Insurance that provides affordable and secured protection specifically made for the student's needs. It covers Accidental Death and Death due Motorcycle, Accident, Accidental Disablement and Dismemberment, Accidental Medical Reimbursement, Burial benefit, and Daily Hospital confinement due to Accident (max of 15 days) and an additional Fire Assistance benefit (residential).

Insured can have a maximum of five (5) policies.

Insurance Premium: P30.00 / Confirmation of Cover (COC)

COVERAGE Principal
5 to 70 years old
Accidental Death PHP 20,000.00
Accidental Disablement and Dismemberment Up to PHP 20,000.00
(Subject to schedule)
Unprovoked Murder and Assault PHP 20,000.00
Accidental Medical Reimbursement Up to PHP 2,500.00
Burial Benefit due to an Accident PHP 2,000.00
Daily Hospital Confinement Benefit due to Accident (max of 15 days) PHP 100.00 / day
Death Due to Motorcycling Accident Php 10,000.00
Cash Assistance – Due to Residential Fire PHP 2,000.00

2. Palawan ProtekTODO Eskwela Max 50

A Personal Accident Insurance valid for (1) one year for individuals aged 5-70 years old. Insurance that provides affordable and secured protection specifically made for the student's needs. It covers Accidental Death and Death due to Motorcycle Accident, Accidental Disablement and Dismemberment, Accidental Medical Reimbursement, Burial benefit, and Daily Hospital confinement due to Accident (max of 15 days) and an additional Fire Assistance benefit (residential).

Insured can have a maximum of five (5) policies.

Insurance Premium: P50.00 / Confirmation of Cover (COC)

COVERAGE Principal
5 to 70 years old
Accidental Death PHP 30,000.00
Accidental Disablement and Dismemberment Up to PHP 30,000.00
(subject to schedule)
Unprovoked Murder and Assault PHP 30,000.00
Accidental Medical Reimbursement Up to PHP 4,000.00
Burial Benefit due to Accidental Death PHP 3,000.00
Daily Hospital Confinement Benefit due to Accident (max of 15 days) PHP 100.00 / day
Death Due to Motorcycling Accident Php 15,000.00
Cash Assistance – Due to Residential Fire PHP 2,000.00

Pinalaking benepisyo at dagdag Insurance cover
against Coronavirus (COVID-19)!

3. Palawan ProtekTODO Premium Pamilya Max 300

A package insurance design for the family that gives security protection valid for one (1) year. It is created to address the extent security need of our Insured principal and their family. This policy offers more benefits and newly improved benefits.

Insured can have a maximum of five (5) policies.

Insurance Premium: P300.00 / Confirmation of Cover (COC)

Coverage Principal
(17-70 years old)
Spouse/Parent
(17-70 years old)
Child/Sibling
(newborn-21 years old)
Accidental Death P40,000.00 P20,000.00 P10,000.00
Accidental Disablement & Dismemberment Up to P40,000.00
(subject to schedule)
Up to P20,000.00
(subject to schedule)
Up to P10,000.00
(subject to schedule)
Unprovoked Murder & Assault P20,000.00 P10,000.00 P5,000.00
Accidental Medical Reimbursement Up to P8,000.00 Up to 4,500.00 Up to P3,500.00
Burial Benefit due to Accidental Death Up to P10,000.00 Up to P5,000.00 Up to P3,000.00
Death due to Motorcycling Accident P10,000.00 P5,000.00 P5,000.00
Death due to COVID 19 (Conditions may apply) P1,000.00 P1,000.00 P1,000.00
Education Assistance due to accidental death P2,500.00/child max of 4 P1,000.00/child max of 4 ---
Cash assistance due to residential fire P5,000.00 P1,000.00 ---

Terms and Conditions

  • Total Permanent loss of the use of a member shall be treated as loss of such member.
        **Schedule of benefits will apply.
  • Motorcycling is covered except under any of the following instances: for racing purposes, under the influence of drugs or alcohol; driving without a crash helmet and driving without a valid driver's license.
  • Educational Assistance due to Accidental Death – pays the lump sum of benefits to a qualified dependent who at the time of Insured’s death is a full-time student of any institution or learning or education. Must be unmarried and between three (3) and twenty-one (21) years old. Maximum benefit of Php 2,500 for each qualified dependent.
  • Death Due to Corona Virus (COVID-19): If within one year from the date of infection of COVID-19 shall result in Death of an Insured Person, the Company will pay under this Policy not exceeding the maximum amount stated in the Schedule of Benefit.
    • Conditions:

      a. Age Eligibility is one (1) to seventy (70) years old.

      b. Must not be suffering from the following diseases prior to diagnosis of being positive with COVID-19 infection. With: Hypertension, Cardiovascular Disease, Diabetes, Respiratory Disease, Cancer, Kidney Injury/Disease.

      c. Coverage is applicable only in the Philippines and in countries with a low infection rate (below 50 cases) based on the daily report of the World Health Organization.


*Subject to the terms and conditions stated in the Master Policy issued by the Insurance Company.

4. Sulit Solo ProtekTODO

A Personal Accident insurance valid for six (6) months for individuals aged 17-70 yrs. old and covers Death due to Accident and Death due to Motorcycle Accident, with Permanent Disablement or Dismemberment due to Accident.

Insured can avail up to five (5) policies.

Insurance Premium: P20.00 / Confirmation of Cover (COC)

Coverage Principal
17 to 70 years old
Accidental Death or Loss of Life Including Unprovoked Murder & Assault Php 15,000.00
Loss of Life due to Motorcycling Accident Php 5,000.00
Permanent Disablement or Dismemberment due to Accident Up to Php 10,000.00
(subject to schedule)
Permanent Disablement or Dismemberment due to Motorcycle Accident Up to Php 5,000.00
(subject to schedule)

5. Premium Solo ProtekTODO

It gives protection for a term of one (1) year for individuals aged 17-70 yrs. old. It covers Death due to Accident and Death due to Motorcycle Accident with Permanent Disablement or Dismemberment due to Accident. It also provides Cash assistance for Natural death or Death due to sickness and Educational assistance for the child/ren of the insured.

Insured can have a maximum of five (5) policies

Insurance Premium: P50.00 / Confirmation of Coverage (COC)

Coverage Principal
17 to 70 years old
Accidental Death or Loss of Life Including Unprovoked Murder & Assault Php 20,000.00
Loss of life due to Motorcycle Accident Php 5,000.00
Permanent Disablement or Dismemberment due to Accident Up to P 15,000.00
(subject to schedule)
Permanent Disablement or Dismemberment due to Motorcycle Accident Up to P 7,500.00
(subject to schedule)
Burial Benefit for Accidental Death Php 5,000.00
Cash Assistance due to Natural Death/Death due to Sickness (Conditions May Apply) Php 5,000.00
Educational Assistance for Beneficiary Due to Accidental Death Php 2,500.00

6. Premium Pamilya ProtekTODO

An accident Insurance package design for the family with a term of one (1) year. It gives security protection for the insured and his/her dependents covering Death due to an Accident, Death due to Motorcycle Accident with Educational assistance for the child of the insured and Permanent Disablement or Dismemberment due to Accident. It also provides Cash assistance for Natural death or Death due to sickness and Fire assistance for the Principal Insured’s residency.

Insured can have a maximum of five (5) policies.

Insurance Premium: P100.00 / Confirmation of Cover (COC)

Coverage Principal
(17-70 years old)
Spouse/Parent
(17-70 years old)
Child/Sibling
(newborn-21 years old)
Accidental Death or Loss of Life Including Unprovoked Murder & Assault Php 30,000.00 Php 15,000.00 Php 10,000.00
Loss of life due to Motorcycle Accident Php 5,000.00 Php 5,000.00 Php 2,500.00
Permanent Disablement or Dismemberment due to Accident Up to Php 30, 000.00
(subject to schedule)
Up to Php 15, 000.00
(subject to schedule)
Up to Php 10,000.00
(subject to schedule)
Permanent Disablement or Dismemberment due to Motorcycle Accident Up to Php 10,000.00
(subject to schedule)
Up to Php 5,000.00
(subject to schedule)
Up to Php 5,000.00
(subject to schedule)
Burial Benefit for Accidental Death Php 10,000.00 Php 5,000.00 Php 2,500.00
Natural Death/Death due to Sickness (Conditions May Apply) Php 5,000.00 Php 2,500.00 Php 2,500.00
Fire Assistance Php 5,000.00 --- ---
Educational Assistance Due to Accidental Death --- --- Php 2,500.00


Mas pinagandang benepisyo laban sa COVID-19 Virus!


7. Sulit Solo Plus ProtekTODO

A Personal Accident Insurance customized and offered coverage for expenses related to death or hospital confinement required due to a positive diagnosis of COVID-19. It is valid for (6) six months for individuals aged 17-70 years old.

Insured can have a maximum of five (5) policies.

Insurance Premium: P49.00 / Confrimation of Cover (COC)

Coverage Principal
17-70 years old
Death Due to Accident Including Unprovoked Murder and Assault Php 15,000.00
Death Due to Motorcycle Accident Php 5,000.00
Permanent Disablement or Dismemberment Due to Accident Up to Php 10,000.00
(subject to schedule)
Permanent Disablement or Dismemberment Due to Motorcycle Accident Up to Php 5,000.00
(subject to schedule)
Death due to COVID-19 Php 10,000.00
Cash Assistance for Hospital Confinement Due to Covid-19 Php 5,000.00

8. Premium Solo Plus ProtekTODO

A Personal Accident Insurance customized and offered coverage for expenses related to death or hospital confinement required due to a positive diagnosis of COVID-19 with a higher benefit amount. It is valid for (1) one year for individuals aged 17-70 years old.

Insured can have a maximum of five (5) polices.

Insurance Premium: P99.00 / Confirmation of Cover (COC)

Coverage Principal
17-70 years old
Death Due to Accident Including Unprovoked Murder and Assault Php 20,000.00
Death Due to Motorcycle Accident Php 5,000.00
Permanent Disablement or Dismemberment Due to Accident Up to Php 15,000.00
(subject to schedule)
Permanent Disablement or Dismemberment Due to Motorcycle Accident Up to Php 7,500.00
(subject to schedule)
Cash Assistance due to Natural Death/Death due to Sickness Php 5,000.00
Educational Assistance for Beneficiary Due to Accidental Death Php 2,500.00
Burial Benefit for Accidental Death Php 5,000.00
Death due to COVID-19 Php 10,000.00
Cash Assistance for Hospital Confinement Due to Covid-19 Php 5,000.00

Terms and Conditions

  • Motorcycling risk is covered except engaged in racing, under the influence of drugs/alcohol, driving without valid driver's license and there is more than one (1) back rider.
  • Total Permanent loss of the use of a member shall be treated as loss of such member.
        **Schedule of benefits will apply.
  • Cash Assistance due to Natural Death – except pregnancy related causes, AIDS and suicidal cases. Death due to Pre-existing conditions will be covered after Six (6) months of continuous cover.
  • Educational Assistance due to Accidental Death – pays the lump sum benefits to qualified dependent who at the time of Insured’s death is a full-time student of any institution or learning or education.
  • Single availment only for the COVID cover.
  • Hospital shall mean a duly registered hospital accredited by DOH whether government or private.
  • In the event of accidental death of the Insured who was tested positive with COVID, the beneficiary(ies) can only claim for the accidental death benefit since the Proximate Cause is Accident and not illness as a result of COVID-19.
  • Death due to COVID shall mean complications caused by the COVID 19 infection resulting to death of the Insured


*Subject to the terms and conditions stated in the Master Policy issued by the Insurance Company.


9. Grupo ProtekTODO 45

Grupo ProtekTODO is open to all interested availors. Subject to minimum of 50 enrollees per Small/Medium Corporation / Association / Cooperative / Company or Group valid for one (1) year.

Insurance Premium: P45.00 / Confirmation of Cover (COC)

 

Coverage Principal
18-70 years old
Death Due to Accident Php 20,000.00
Death Due to Motorcycle Accident Php 5,000.00
Death Due to Motorcycle Accident
(Without license)
Up to Php 2,500.00
Permanent Disablement or Dismemberment Due to Accident Up to Php 15,000.00
(subject to schedule)
Permanent Disablement or Dismemberment Due to Motorcycle Accident Up to Php 7,500.00
(subject to schedule)
Burial Benefit for Accidental Death Php 5,000.00
Educational Assistance for Beneficiary Due to Accidental Death Php 2,500.00

 

10. Grupo ProtekTODO 100

Grupo ProtekTODO is open to all interested availors. Subject to minimum of 50 enrollees per Small/Medium Corporation / Association / Cooperative / Company or Group valid for one (1) year.

Insurance Premium: P100.00 / Confirmation of Cover (COC)

Coverage Principal
18-70 years old
Death Due to Accident Php 50,000.00
Death Due to Motorcycle Accident Php 10,000.00
Death Due to Motorcycle Accident
(Without license)
Up to Php 5,000.00
Permanent Disablement or Dismemberment Due to Accident Up to Php 30,000.00
(subject to schedule)
Permanent Disablement or Dismemberment Due to Motorcycle Accident Up to Php 15,000.00
(subject to schedule)
Burial Benefit for Accidental Death Php 10,000.00
Educational Assistance for Beneficiary Due to Accidental Death Php 5,000.00

Terms and Conditions

  • Motorcycling risk is covered except engaged in racing, under the influence of drugs/alcohol and there is more than one (1) back rider.
  • Permanent Disablement or Dismemberment as a result of an accident.

        **Schedule of benefits will apply.

  • Educational Assistance due to Accidental Death – pays the lump sum benefits to qualified dependent who at the time of Insured’s death is a full-time student of any institution or learning or education.


*Subject to the terms and conditions stated in the Master Policy issued by the Insurance Company.

 

Mas pinalawak at bagong mga benepisyo!


11. Dengue ProtekTODO

Specifically designed for diagnosed dengue patients with Confinement Allowance and Medical Cost Reimbursement for severe dengue plus an Accidental Death and Permanent Disablement or Dismemberment benefit. Valid for (1) one year for individuals aged 1-70 years old.

Insured can have a maximum of five (5) polices.

 

 

COVERAGE

PRINCIPAL

1-70 years old

Dengue Basic

Dengue Plus

Confinement Allowance

P 10,000.00

P 10,000.00

Medical Cost Reimbursement for severe dengue 

-

P 10,000.00

Accidental Death/Disablement 

-

P 20,000.00

Insurance Premiums

P99.00 / Confirmation of Cover (COC)

P199.00 / Confirmation of Cover (COC)

Terms & Conditions

  • Hospital confinement shall mean being treated as in-patient for at least two (2) days.
  • One (1) time availment only in the duration of the cover for confinement allowance.
  • Reimbursement type for medical cost
  • Permanent Disablement or Dismemberment as a result of an accident. **Schedule of benefits will apply.
  • NOT COVERED if a Dengue outbreak is declared in a particular Barangays.
  • The contestability period for those availing DENGUE ProtekTODO is seven (7) days from date of enrollment.

 

*Subject to the terms and conditions stated in the Master Policy issued by the Insurance Company.

 

12. ER ProtekTODO

A Medical Insurance valid for (1) one year for individuals aged 1-70 years old. The program covers One-time Emergency Hospitalization as Reimbursement Type Medical program.

Insured can have a maximum of one (1) policy.

 

COVERAGE

PRINCIPAL

1-70 years old

ER Basic

ER Plus

One-time Emergency Room Treatment

P 10,000.00

P 20,000.00

Hospital Confinement Allowance

P 500/day

P 300/day

Insurance Premiums

P599.00 / Confirmation of Cover (COC)

P699.00 / Confirmation of Cover (COC)


Declaration of Wordings

EMERGENCY ROOM TREATMENT - admission to the Emergency Room for treatment of covered accident and illness.

  • Emergency Hospitalization means admission of the Insured Person in the Emergency Room or hospitalization as an in-patient for a minimum period of 24 consecutive hours for an illness contracted or injury sustained by an Insured person in an accident, which occurs suddenly and unexpectedly and requires immediate medical care.

HOSPITAL ALLOWANCE - Pays for the daily income benefit for a maximum 31 days when insured is confined via Emergency in a hospital due to an accident or illness.

EXCLUSIONS:

The Policy will not cover any loss or expense caused by or resulting from:

  1. Treatment of self-inflicted injury, suicide or attempted suicide, or affray, abuse of alcohol, drug addiction or substance abuse, pregnancy, or childbirth.
  2. Injury or illness while serving as a full-time member of police or military unit and treatment resulting from participation in war, riot, civil commotion, or any illegal act including resultant imprisonment.
  3. Treatment of injuries that are sustained when taking part in any sports for which the insured;
    • Are paid
    • Are competing for money prize
    • Hazardous Sports activities
  4. Emergency Medical availment prior to the effectivity of the policy.
  5. Treatment for Pre-existing Conditions
    • Pre-existing condition shall mean medical conditions (sickness) which was in any way evident to the insured before the effectivity of the policy or the natural history/pathogenesis of such condition can be clinically determined to have started two (2) years prior to the effectivity of the policy, whether or not the insured is aware of such sickness, or for which the insured received treatment, or have consulted a physician for treatment or have been taking medications.
  6. Treatment for Communicable Disease
    • Communicable Disease shall mean any communicable disease declared by any government agency, entity or in an executive order causing a state of emergency in any area and necessitating the setting up of appropriate quarantine measure therein excluded in the policy.


*Subject to the terms and conditions stated in the Master Policy issued by the Insurance Company.

13. Sangla ProtekTODO

In addition to our new and improved Personal Accident Insurance, Palawan ProtekTODO created an affordable insurance package that aims for the security and protection of our pawners. To meet our pawner's needs, we offer Sangla ProtekTODO, a reliable and convenient insurance package.

Pawned Amount COVERAGE Insurance Premium per
Confirmation of Cover (COC)
Credit Life
(CL)
Personal Accident
(PA)
Compassionate Benefit (CB) Package 1-3
(Loan Scheme)
Package 4
(Loan Scheme)
500 to 10,000 Actual
amount of
pawned
item.
10,000.00 1,000.00 10.00 20.00
10,001 to 20,000 20,000.00 1,000.00 20.00 40.00
20,001 to 30,000 30,000.00 1,000.00 30.00 60.00
30,001 to 40,000 40,000.00 1,000.00 40.00 80.00
40,001 to 50,000 50,000.00 1,000.00 50.00 100.00
50,001 to 60,000 60,000.00 1,000.00 60.00 120.00
60,001 to 70,000 70,000.00 1,000.00 70.00 140.00
70,001 to 80,000 80,000.00 1,000.00 80.00 160.00
80,001 to 90,000 90,000.00 1,000.00 90.00 180.00
90,001 to 100,000 100,000.00 1,000.00 100.00 200.00

Declaration of Wordings

  • Credit Life (CL) - through this plan, the risk of unpaid can be reduced, Sangla ProtekTODO can provide their pawner’s protection and see security on their unpaid loans in the event of their death. Any excess will be paid out to the assigned beneficiary, if any.
  • Personal Accident (PA) - when a member is insured under this Plan, he gets the solid assurance that in the event of his death due to accident, pawner’s beneficiary shall receive the amount equal to the sum insured.
  • Compassionate Benefit (CB) - additional benefit of P1,000.00 with the condition of 6 times previous records and a minimum pawned amount of P5,000.00.

Terms & Conditions

  • Eligibility - All pawners aged 18-65 years old.
  • Validity
    • For package 1-3, thirty-three (33) days
    • For package 4, sixty-six (63) days
  • Effectivity - The effective date of coverage is on the date of loan.
  • No Evidence Limit or NEL up to age 65 and Php100,000. Any age or amount beyond the NEL shall be subject to submission of proof of insurability. Initial document to be required is a health statement.

EXCLUSIONS:

  1. Provoked assault.
  2. Suicide while sane, or intentionally self-inflicted injuries.
  3. Willful exposure to needles peril other than in an attempt to save human life.
  4. Bodily or mental infirmity or disease of any kind or infection other than infection occurring simultaneously with and in consequence of an accidental cut or wound.
  5. Committing or attempting to commit an assault, felony or other illegal act or resistance to lawful arrest.
  6. Pregnancy, childbirth, miscarriage, or any complications thereof.
  7. Any aviation or marine activities, other than riding as a fare-paying passenger on an aircraft or ship operating on a scheduled service in an established passenger route.
  8. Sports activity such as hunting, steeply chasing, racing of any kind (other than on foot), football, polo, mountaineering in the course of which it is necessary to use guides or ropes.
  9. War, whether declared or not, rebellion or insurrection.
  10. Drug or intoxicant overdose (unless under proper medical supervision);
  11. Any poison, gas or fumes, voluntarily or otherwise taken, administered,
  12. Contamination or pollution of soil, air or water;
  13. Any nuclear reaction
  14. Being under the influence of alcohol
  15. Brawl, assembly or demonstration, civil commotion, riots, strikes, military or popular uprising

*Subject to the terms and conditions stated in the Master Policy issued by the Insurance Company.

14. Palawan ProtekTODO Protektipid Max 55

A Personal Accident Insurance valid for (1) one year for individuals aged 17-70 years old. It covers Accidental Death and Death due to Motorcycle Accident, Accidental Disablement and Dismemberment, Medical Expense Reimbursement, Burial Expense benefit, and Daily Hospital confinement due to Accident (max of 15 days) and an additional Fire Insurance Subsidy.

Insured can have a maximum of five (5) policies.

Insurance Premium: P55.00 / Confirmation of Cover (COC)

COVERAGE Principal
(17-70 years old)
Accidental Death PHP 30,000.00
Accident Permanent Disablement and Dismemberment Up to PHP 30,000.00
(Subject to schedule)
Unprovoked Murder and Assault PHP 30,000.00
Medical Expense Reimbursement Up to PHP 4,000.00
Burial Expense Benefit PHP 3,000.00
Hospital Income Benefit due to Accident (max. 15 days) PHP 100.00 / day
Death Due to Motorcycling Accident Php 15,000.00
Fire Insurance Subsidy PHP 2,000.00

Terms & Conditions

  • Permanent Disablement or Dismemberment as a result of an accident.
    **Schedule of benefits will apply.
  • Dengue is not covered, insect bites resulting to being poisoned or incurred rashes and other similar, related cases.
  • Fire Assistance Benefit is limited only to the insured's declared address and occupied dwelling.
  • Motorcycling is covered except under any of the following instances: for racing purposes, under the influence of drugs or alcohol; driving without a crash helmet and driving without a valid driver's license.
  • Work related Injuries/Disabilities of Persons who belong under the following categories are NOT covered under the proposed plan: Security/Military personnel, people in the police force, Barangay Tanods, crew members of vessels/aircraft, professional athletes, professional entertainers (including actors), window cleaners, divers, loggers, fireman, public utility drivers, pilots, rangers, acrobats/stuntmen, national journalists/news reporters, off-shore oil or gas rig worker, tree feller, politicians, other known celebrities/personalities, asylum attendants, aviators, boilermen, detectives, explosive makers, fishermen, loggers, miners, sailors, sawmill workers, secret service personnel, wood working machinists, and underground workers, while performing their task as such.

*Subject to the terms and conditions stated in the Master Policy issued by the Insurance Company.


15. Me & My Pets ProtekTODO

A new package designed to help our customers manage the costs of unexpected vet bills and give their pet dog and cat the medical care it needs. The package includes coverage for Death & Disability and Medical expenses for both the pet owner and the pet dog or cat. Valid for (1) one year.

Insured can have a maximum of one (1) policy only.

COVERAGE
PET OWNERS (18 to 60 years old)
Accidental Death P 100,000.00
Permanent Disablement or Dismemberment Due to Accident Up to P 100,000.00
(subject to schedule)
Accidental Medical Reimbursement Up to P 10,000.00
Burial Benefit for Accidental Death P 10,000.00
Unprovoked Murder & Assault P 50,000.00
 
PET DOG or CAT Documented
(3 mos. to 7 years old)
Documented & Senior
(8 to 10 years old)
Undocumented
(3 mos. to 7 years Old)
Undocumented & Senior
(8 to 10 years old)
Accidental Death P 25,000.00 P 25,000.00 P 25,000.00 P 25,000.00
Permanent Disablement or Dismemberment Due to Accident Up to P 25,000.00
(subject to schedule)
Up to P 25,000.00
(subject to schedule)
Up to P 25,000.00
(subject to schedule)
Up to P 25,000.00
(subject to schedule)
Medical Reimbursement (Accident & Common Diseases) Up to P 10,000.00 Up to P 10,000.00 Up to P 10,000.00 Up to P 10,000.00
Burial Benefit for Accidental Death P 5,000.00 P 5,000.00 P 5,000.00 P 5,000.00
Lost (90 Days or Over) P 10,000.00 P 10,000.00 P 10,000.00 P 10,000.00
Annual Premium P 2,064.00 P 3,064.00 P 3,064.00 P 4,064.00

**Surcharge of P1,000.00 is applied to each Undocumented Pet and each Senior Pet that is 8 y/o above.

Pre-Existing Condition - This includes conditions that were never diagnosed but caused symptoms for which an ordinary prudent person would have sought medical advice, care, or treatment. Pre-existing condition is an injury, illness, or disease that affects the insured.

Terms & Conditions

  • If Your Pet is stolen or goes missing, the Company shall pay the Pet owner up to the limits of the chosen plan. Provided that the pet owner secures a certificate of loss of his/her missing Pet in the village/homeowner’s association and barangay in your area of residence.
  • Common Diseases (Dogs & Cats)
    • Rabies
    • Distemper
    • Parvovirus
    • Hepatitis
    • Parainfluenza
    • Bordetella
    • Lyme Disease
    • Leptospirosis
    • Giardiasis
    • Cancer
    • Diabetes
    • Worms
    • Feline Leukemia Virus
    • Heartworm Disease
    • High-Rise Syndrome
    • Ringworm
    • Upper Respiratory Infection
    • Feline Immunodeficiency Virus
  • Permanent Disablement or Dismemberment as a result of an accident.

    **Schedule of benefits will apply.

EXCLUSIONS:

The Policy will not cover any loss or expense caused by or resulting from:

  1. Pre-existing Illnesses
  2. Cruciate ligament injuries, meniscal injuries, intervertebral disc disease, patellar luxation, gastric torsion, and intussusception.
  3. Any recurrent Accidents. Injuries resulting from your pet’s recurring behavior, and injuries arising from your failure to prevent a reoccurrence of an Accident or injury that previously occurred.
  4. An intentional act, however caused, leading to an Accident which results in an injury to your Pet.
  5. Any claim made after 30 days from the date your pet was lost or stolen.
  6. Death or disability occasioned by or happening through: War, Invasion, Act of Foreign Enemy, Hostilities (whether war be declared or not), Civil War, Rebellion, Revolution, Insurrection, Mutiny or Usurped Power, Riots, Strikes, Military or Popular Uprising. Suicide or Attempted Suicide (sane or insane), alcoholism, insanity, or Prohibited Drug Use. Earthquake, Volcanic Eruption, or Tidal Wave
  7. Death or disablement occurring whilst insured is travelling in an aircraft other than one licensed for public passenger service and operated by a regular Air Line in which insured is travelling as a ticket-holding passenger.
  8. Death or disablement consequent upon the Insured engaging in hunting, racing of all kinds, steeple chasing, polo playing, mountaineering, winter sports, ice hockey, football, yachting, judo, karate and similar martial arts, scuba-diving, hang-gliding, sky-diving, and similar aerial activities/aerobatics

*Subject to the terms and conditions stated in the Master Policy issued by the Insurance Company.

Claims Requirements for Pets:

  • Affidavit of incident or Barangay Report or Police Report

  • Certification from the Veterinarian in case of death

  • Medical Certificate from the attending Veterinarian

  • Original Medical Receipts

  • Barangay or Police Certificate of Pet Non-Recovery

  • For Documented Pet/s: A copy of any of the following Pet Records such as Philippine Canine Club, Inc.

    • (PCCI) – Certified Pedigree and Registration Certificate, Pet Grooming Client Record or Card from the Grooming Shop, Veterinary Health Record or Breeding Record Book to establish ownership.
  • For Undocumented Pet/s: Subject to an additional surcharge per Pet were in Pet Record is not necessary to establish ownership. The company can honor its obligation to pay the amount of any claim up to the limit indicated in the schedule and for as long as it is within the terms and conditions of the policy.


16. Palawan MyNegosyo ProtekTODO

An SME Insurance valid for (1) one year for individuals aged 18-64 years old. It protects a business’s assets and properties against natural disaster.

Insured can have a maximum of one (1) policy.

 

COVERAGE

PRINCIPAL

(18-64 years old)

MyNegosyo Basic

MyNegosyo Plus

Cash Assistance for Property Damage Due
to Fire &/or Lightning, Earthquake,
Typhoon and Flood

P 10,000.00

P 20,000.00

Death Due to Accident

(For Owner & 1 employee)

P 1,000.00 each

P 2,000.00 each

Robbery & Burglary

P 1,000.00

P 2,000.00

Annual Premium

P 105.00 / Confirmation of Cover (COC)

P 200.00 / Confirmation of Cover (COC)

SCOPE OF COVERAGE: On the building only, leasehold improvement, Business furniture, fixtures, fittings, stocks, and Machineries & equipment. Said building is made of concrete and/or concrete hollow blocks under galvanized iron roof, occupied commercial.

CONDITIONS

  • Coverage is for declared location only.
  • Limits of liability is in annual aggregate.
  • Robbery & burglary benefit is terminated once the property cover has been exhausted.

EXCLUSIONS (PROPERTY):

Cash assistance does not cover any loss or damage due to the following:

  1. Damaged to residential structures and the contents therein unless the same is used in a commercial enterprise.
  2. Claims due to arson.
  3. Flooding caused by man-made or mechanical events.
  4. Fraudulent claims or those involving any false declaration.
  5. Loss, destruction, damage, or legal liability, directly or indirectly caused by or contributed by or arising from nuclear weapons material.
  6. Establishments that are less than 50 meters away from a body of Water
  7. Establishments that are not made of Class A material, defined as being made of concrete &/or concrete hollow blocks under g.i roof).
  8. Establishments in public markets with no sprinkler systems

*Subject to the terms and conditions stated in the Master Policy issued by the Insurance Company.


17. Kasambahay ProtekTODO

A Personal Accident insurance designed to provides protection for any person employed to do household work for an employer. Valid for (1) one year for individuals aged 15 to 60 years old. They take care of you, now it's time to give them security.

Insured can have a maximum of one (1) policy only.

Insurance Premium: P1,000.00 / Confirmation of Cover (COC)

COVERAGE

PRINCIPAL

15 to 60 years old

Accidental Death 

P 50,000.00

Permanent Disablement or Dismemberment Due to Accident

Up to P 50,000.00

Unprovoked Murder & Assault

P 25,000.00

Accidental Medical Reimbursement

Up to P 5,000.00

Accidental Burial Benefit

P 5,000.00

Annual Physical Examination (Includes

History & Physical Exam, Complete Blood

Count, Urinalysis, Fecalysis & Chest X-ray)

 

 

 

Terms & Conditions

  • Permanent Disablement or Dismemberment as a result of an accident. 

    **Schedule of benefits will apply.

  • There shall be no recovery hereunder if the murder or assault occurs in any of the following provinces or places:
    • South Basilan
    • North & South Cotabato
    • Zamboanga del Norte/Sur
    • Davao del Norte/Sur/Oriental
    • Misamis Oriental/Occidental
    • Agusan del Sur
    • Maguindanao
  • Subject To Commercial Air Rider (PART III – AIR TRAVEL)
    - shall apply while the insured person is riding solely as a passenger, not as an operator or crew member, in or on, boarding or alighting from:

    • a certificated passenger aircraft operated by a regularly established commercial airline on any regularly scheduled, special or chartered trip:
    • a transport aircraft operated by the Military Air Transport Service (MATS) of any country.
  • No liability shall attach to the Company under this Policy for any loss of the Insured while riding or operating on any motorized two-wheel vehicle.

*Subject to the terms and conditions stated in the Master Policy issued by the Insurance Company.

protektodo-insurance-how-to-enroll

How to Enroll

  1. Accomplish and sign the Palawan ProtekTODO Enrollment Form.
  2. Pay the premium amount for a selected insurance policy. (Present your Suki Card to avail a 5% discount)
  3. Sign and receive the Confirmation of Cover (COC).

For Eskwela MAX 30 & Eskwela MAX 50 ProtekTODO:

  1. The customer must be a student upon enrolling in the policy.

For Batch Enrollment (except Grupo ProtekTODO 45 & Grupo ProtekTODO 100):

  1. ProtekTODO Insurance offers a batch enrollment with a 10% discount on each policy premium with a minimum number of 30 enrollees.
  2. The group representative should submit all the accomplished Enrollment Forms for each member of the group or fill out the available Batch Enrollment Form at Palawan Branch.
  3. Pay the total premium for all policy.
  4. Sign and receive the Confirmation of Cover (COC).

Notes:

All Suki cardholders are entitled to a 5% discount in any ProtekTODO Policy.

Renewal of Policies are entitled to a 10% discount in any ProtekTODO Policy.

Grupo ProtekTODO 45 & Grupo ProtekTODO 100 offers a batch enrollment with minimum of 50 enrollees.

protektodo-insurance-how-to-apply-claim

How to Apply for Claim

  1. Go to any Palawan Pawnshop branch nearest to you.
  2. The claim should be reported within thirty (30) days from the date of the incident. 
  3. Fill out the Notice of Claim available at the branch.
  4. Once the incident is evaluated at the branch and subject for a claim, submit original copies of the documents for a fast evaluation of the claim.
    **Lacking documents are given a maximum of sixty (60) days from the date of the incident to complete.
  5. You will be notified through your given mobile number upon the status of the claim.
  6. All claims will be payable in cash and will be released at the branch where the claim was filed.

For Personal Accident Claims*

  • Confirmation of Cover
  • Notice of Claim
  • Police/Incident Report
  • Birth/Death Certificate (Insured)
  • Medical Certificate (if necessary)
  • Clinical Abstract (if necessary)
  • Marriage License (if the claimant is Insured's Legal Spouse)
  • Valid IDs (Insured and Claimant), School ID for Eskwela Max 30 & Eskwela Max 50

For Natural Death/ Death due to Sickness Claim*

  • Confirmation of Cover
  • Notice of Claim
  • Birth/Death Certificate
  • Marriage License (if the claimant is insured's Legal Spouse)
  • Medical Certificate (if necessary)
  • Clinical Abstract (if necessary)
  • Valid ID (Insured and Claimant)

For Cash Fire Assistance Claim*

  • Original Confirmation of Cover
  • Notice of Claim
  • Barangay Certificate that Insured is a fire victim
  • Fire incident report from Bureau of Fire Protection
  • Picture(s) of fire loss (2 full/whole shot & 2 medium close-up)
  • Valid ID (Principal insured)
  • Other documents that may be required by the Insurance Provider.


For Accidental Medical Reimbursement Claim*

  • Original Confirmation of Cover
  • Notice of Claim
  • Incident Report or Police report (ex. vehicular accident)
  • Medical Prescription and Official receipts
  • Hospital Statement of Account or Billing
  • Valid ID's of the insured & claimant
  • Medical Certificate or Duly accomplished Attending Physician's report
  • Other documents that may be required by the Insurance Provider.


Additional Documents for Claimant/Beneficiary*

  • Legal Spouse or Wife
    Marriage Certificate
    Valid ID


  • Live In Partner
    Affidavit of Cohabitation
    Valid ID


  • Children/Siblings
    Birth Certificate
    Valid ID


  • Parent (Mother/Father)
    Valid ID