| Benefits | Coverage |
|---|---|
| Death Due to Accident Including Unprovoked Murder and Assault |
₱20,000.00 |
| Death Due to Motorcycle Accident | ₱5,000.00 |
| Permanent Disablement or Dismemberment Due to Accident |
Up to ₱15,000.00 (subject to schedule) |
| Permanent Disablement or Dismemberment Due to Motorcycle Accident |
Up to ₱7,500.00 (subject to schedule) |
| Cash Assistance due to Natural Death/Death due to Sickness (Conditions May Apply) |
₱5,000.00 |
| Educational Assistance for Beneficiary Due to Accidental Death |
₱2,500.00 |
| Burial Benefit due to Accidental Death | ₱5,000.00 |
| Death due to COVID-19 | ₱10,000.00 |
| Cash Assistance for Hospital Confinement Due to Covid-19 | ₱5,000.00 |
| Annual Premium | ₱99.00 |
TERMS and CONDITIONS
- Insured can avail up to five (5) policies.
- Eligibility: Principal must be 17 to 70 years old.
- Accidental death outside the Philippine territory is covered if the insured who availed the product went abroad as Overseas Filipino Worker (OFW).
- Motorcycling is covered except under any of the following instances: for racing purposes, under the influence of drugs or alcohol, with more than one (1) back rider, and driving without a valid driver's license.
- Permanent Disablement or Dismemberment due to accident: percentage of the sum insured corresponding to the bodily injury suffered, based on the Table of Benefits.
- Educational Assistance due to Accidental Death: for qualified dependent who at the time of Insured’s death is a full-time student. Must be unmarried and between 3 and 21 years old.
- Coverage for COVID-19 is a one-time availment only.
- Hospital shall mean a duly registered hospital accredited by DOH, whether government or private.
- In the event of accidental death of the Insured who tested positive with COVID-19, the beneficiary can only claim for the accidental death benefit since the proximate cause is accident and not illness because of COVID-19.
- Death due to COVID shall mean complications caused by the COVID 19 infection resulting to death of the Insured.
- Cash Assistance due to Natural Death is covered except pregnancy-related causes, AIDS and suicidal cases. Pre-existing conditions shall be covered after 6 months of continuous coverage. Policy conditions shall apply.
DECLARATION OF WORDINGS: A claim arises directly or indirectly as a result of a Pre-existing condition is not covered.
A Pre-existing condition is an illness, injury, condition or symptom:
- That is known to the Insured and/or policy owner one (1) year prior to the commencement of the policy or
- For which the Insured had consulted a medical practitioner prior to the commencement of the policy, or
- For which the reasonable person in the Insured position would have consulted a medical practitioner prior to the commencement of the policy.
Pre-existing condition may be covered under non-accidental death with 180 days waiting period.
Waiting Period – is defined as the period from inception of initial policy or reinstatement date whichever is later.
These are only some of the exclusions. Complete listings are in the issued policy.
