ProtekTODO Insurance

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)

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)

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)

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)

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)

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)

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)

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)

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)

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)

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.

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.

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.

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)

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.

**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.

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)

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.