Home Palawan Pawnshop ProtekTODO Accident Insurance

Palawan ProtekTODO Policies

Palawan ProtekTODO comes in eleven (11) 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 / COC

COVERAGES PRINCIPAL
5 to 70 years old
1. Accidental Death PHP 20,000.00
2. Accidental Disablement and Dismemberment Up to PHP 20,000.00
(Subject to schedule)
3. Unprovoked Murder and Assault PHP 20,000.00
4. Accidental Medical Reimbursement Up to PHP 2,500.00
5. Burial Benefit due to an Accident PHP 2,000.00
6. Daily Hospital Confinement Benefit due to Accident (max of 15 days) PHP 100.00 / day
7. Death Due to Motorcycling Accident Php 10,000.00
8. 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 / COC

COVERAGES PRINCIPAL
5 to 70 years old
1. Accidental Death PHP 30,000.00
2. Accidental Disablement and Dismemberment Up to PHP 30,000.00
(subject to schedule)
3. Unprovoked Murder and Assault PHP 30,000.00
4. Accidental Medical Reimbursement Up to PHP 4,000.00
5. Burial Benefit due to Accidental Death PHP 3,000.00
6. Daily Hospital Confinement Benefit due to Accident (max of 15 days) PHP 100.00 / day
7. Death Due to Motorcycling Accident Php 15,000.00
8. 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 unique 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 / COC

COVERAGES PRINCIPAL
(17-70 y/o)		 SPOUSE/PARENT
(17-70 y/o)		 CHILDREN/SIBLING
(newborn-21 y/o)
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.

**These are only some of the exclusions. Complete listings are in the issued policy.

4. Sulit Solo ProtekTODO

The Sulit Solo ProtekTODO is 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 / COC

COVERAGES 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

Premium Solo ProtekTODO 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 / COC

COVERAGES 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)
Accidental Burial Benefit 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

Premium Pamilya ProtekTODO is an Accident Insurance package design for the family with a term of one (1) year. It gives security protection for the insured and his dependents covering 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 and Fire assistance for the Principal Insured’s residency.

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

Insurance Premium: P100.00 / COC

COVERAGES PRINCIPAL
(17-70 y/o)		 SPOUSE/PARENT
(17-70 y/o)		 CHILDREN/SIBLING
(newborn-21 y/o)
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)
Accidental Burial Benefit 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

7. Sulit Singko ProtekTODO

Sulit Singko ProtekTODO, the most affordable insurance policy that's available to all our customers with transactions at any of PPS branches such but not limited to remittance, pawn, and foreign currency exchange. An insurance with a term of one (1) month with no age limit and minimum requirement upon a claim.

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

Insurance Premium: P5.00 / COC

COVERAGE PRINCIPAL
5 to 100 years old
Death due to Accident including Motorcycle Accident, Unprovoked Murder and Assault Php 20,000.00
Compassionate Benefit Php 2,500.00
Death due to Any Causes (Cash Assistance Death Benefit due to Natural Death or Sickness) Up to Php 2,500.00

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

Mas pinagandang benepisyo laban sa COVID-19 Virus!

8. Sulit Solo Plus ProtekTODO

Sulit Solo Plus ProtekTODO is Personal Accident Insurance 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 / COC

COVERAGES PRINCIPAL
17 to 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

9. Premium Solo Plus ProtekTODO

Premium Solo Plus ProtekTODO is Personal Accident Insurance valid for (1) one year for individuals aged 17-70 years old.

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

Insurance Premium: P99.00 / COC

COVERAGES PRINCIPAL
17 to 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 or alcohol, and driving without a crash helmet and driving without valid driver’s license.
  • Permanent Disablement or Dismemberment as a result of an accident. - Schedule of benefits will apply.
  • Cash Assistance Death benefit 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.

10. 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 (1) year.

Insurance Premium: P45.00 / COC

COVERAGES PRINCIPAL
18 to 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) 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

11. 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 (1) year.

Insurance Premium: P100.00 / COC

COVERAGES PRINCIPAL
18 to 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) 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 or alcohol.
  • 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.

how-to-enroll

How to Enroll

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


For Eskwela MAX 30 & 50 ProtekTODO:

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

For Sulit Singko ProtekTODO:

  1. The customer must have a remittance, pawn, money-changing, or other services transactions at the branch.
  2. Customers don’t need to fill out a ProtekTODO enrollment form. The customer doing a transaction at the branch is the automatic principal insured.

For Batch Enrollment (except Sulit Singko):

  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.
  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.

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.

Claim Requirements

For Personal Accident Claims*

  • Confirmation of Cover
  • Notice of Claim
  • Police/Incident Report
  • Birth Certificate (Insured and claimant)
  • 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 & 50

For Natural Death/ Death due to Sickness Claim*

  • Confirmation of Cover
  • Notice of Claim
  • Birth Certificate (Insured and claimant)
  • Death Certificate (Insured)
  • 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.