| Benefits | Coverage |
|---|---|
| Death Due to Accident | ₱50,000.00 |
| Death Due to Motorcycle Accident | P10,000.00 |
| Death Due to Motorcycle Accident (without license) | ₱5,000.00 |
| Permanent Disablement or Dismemberment Due to Accident | ₱30,000.00 |
| Permanent Disablement or Dismemberment Due to Motorcycle Accident | ₱15,000.00 |
| Burial Benefit for Accidental Death | ₱10,000.00 |
| Educational Assistance for Beneficiary Due to Accidental Death | ₱5,000.00 |
| Annual Premium | ₱100.00 |
TERMS and CONDITIONS
- Minimum of fifty (50) insured per company or group.
- Age limit: Principal/Spouse/Parents – 18 to 70 years old
- Live in Partner is valid as claimant. A certificate from the barangay must be provided if the declared beneficiary is live-in partner or common-law wife or husband.
- Protection against loss of life or bodily injury, resulting solely, directly and independently of all other causes from an accident caused by external, violent, and visible means. This includes:
- Acts of nature
- Dog Bites and snake bites
- Accidental food poisoning
- While riding as a passenger of any type of public conveyance licensed to carry passenger—sea, air or land.
- Death loss or injuries resulting whilst driving/operating any two-wheeled Motorized vehicle including pillion rider.
- 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. Refer to table
Loss of Finger/Toes (regardless of length) 5% per finger/toe Loss of Hand/Forearm/Foot/Calf 50% Loss of Arm/Leg/Loss of Sight 50% - 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.
- Should be reported within thirty (30) days from the date of the accident.
POLICY EXCLUSIONS
The Policy will not cover any loss or expense caused by or resulting from:
- Intentionally self-inflicted injury, suicide or any attempt threat while sane or insane.
- War, invasion, act of foreign enemy, hostilities, or warlike operations mutiny, riot, civil commotion, conspiracy, rebellion, revolution, insurrection or military or usurped power
- Congenital defects and conditions
- Engaged in any military duties or naval operations, police and civilians with peace and order duties or Policy Exclusions combatant duties or trainings
- Motorcycle related injuries or loss of life with expired or invalid driver’s licensed.
- Driving under the influence of prohibited drugs or alcohol.
- Sabotage and Terrorism is not covered
- Major disease outbreak
DISCLAIMER
In case of conflict, the Master Policy shall prevail over the Confirmation of Cover. By signing this confirmation, customer acknowledges that he/she has read, understood, and accepted voluntarily the terms and conditions of this policy.
