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Protektodo
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Abot kayang Personal Accident Insurance para sa masang Pilipino!!

In October 2014, Palawan Pawnshop launched PPS PEPP ProtekTODO, an accident insurance plan designed to provide Filipino masses social security and personal protection at an affordable option.

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ProtekTODO Policies

ProtekTODO comes in four (4) different policy covers to suit each customer’s needs:

1. SULIT SOLO PROTEKTODO

The Sulit Solo ProtekTODO is a personal accident insurance valid for six (6) months for individuals aged 17-70 yrs old and covers death due to accident and motorcycle accident, with permanent/ partial disablement benefit.

Insured can avail up to five (5) polices.

Insurance Premium: P20.00 / COR

Schedule of Benefits

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)

2. 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 a motorcycle accident, permanent/ partial disablement benefit. It also provides cash assistance for natural death due to sickness and educational assistance for the child/ren of the insured.

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

Insurance Premium: P50.00 / COR

Schedule of Benefits

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)
Accidental Burial Benefit Php 5,000.00
Cash Assistance due to Natural Death/Death due to Sickness (See Conditions) Php 5,000.00
Educational Assistance for Beneficiary Due to Accidental Death Php 2,500.00

3. PREMIUM PAMILYA PROTEKTODO

Premium Pamilya Accident Insurance is a package insurance design for the family. It gives security protection for the insured and his immediate family in covering death due to accident and motorcycle accident, permanent/ partial disablement benefit. It also provides cash assistance for natural death and death due to sickness, educational assistance for the child/ren of the insured and fire assistance for the enrolled family's address.

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

Insurance Premium: P100.00 / COR

Schedule of Benefits

Coverage 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
(See Conditions)		 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

4. SULIT SINGKO PROTEKTODO

The most affordable insurance policy that's available to all our customers with transactions at any of our branches such but not limited to remittance, pawn, and foreign currency exchange. An insurance valid for one month with no age limit and minimum requirement upon claim.

Schedule of Benefits

Coverage Principal
(5-100 y/o)
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

Insurance Premium: P5.00 / certificate

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

*Suki Card discount is not applicable.

enroll

How to Enroll

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

For Batch Enrollment:

  1. ProtekTODO Insurance offers a batch enrollment and discount with a minimum number of 30 enrollees aged 17 to 70 years old.
  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 Registration (COR).

For Sulit Singko ProtekTODO:

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

How to Apply
for Claim

  1. Go to any Palawan Pawnshop branch.
  2. The claim should be reported within thirty (30) days from the date of the incident. 
  3. Fill out the Notice of Claim available in the branch.
  4. Once the claim is valid, 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

No Result

For Personal Accident Claims:

  • Confirmation of Registration
  • Police/Incident Report
  • Birth/Death Certificate
  • Medical Certificate
  • Marriage License
  • Valid ID with Beneficiary’s picture
  • Clinical Abstract

For Natural Death/ Death due to Sickness Assistance Claims:

  • Confirmation of Registration
  • Birth/Death Certificate
  • Marriage License
  • Valid ID with Beneficiary’s picture
  • Clinical Abstract
  • Medical Certificate

For Cash Fire Assistance Claims:

  • Confirmation of Cover
  • Barangay Certificate that Insured is a fire victim
  • Fire incident report from the Bureau of Fire Protection
  • Insured’s valid ID with signature
  • Picture(s) of fire loss
  • Other documents that may be required by Insurance Company

EXCLUSIONS

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

• Intentionally self-inflicted injury, suicide or any attempt thereat while sane or insane.
• Motorcycle related injuries or loss of life with expired or invalid driver’s license, expired vehicle registration.
• War, invasion, act of foreign enemy, hostilities, or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, conspiracy, rebellion, revolution, insurrection and usurped power or coup d'état.

The Insurance company will also not cover: Military duties or naval operations, police and civilians with peace and order duties or combatant duties or training, ONLY IF ON DUTY.

• Provoked Assault.
• Congenital defects and conditions.
• Driving under the influence of prohibited drugs or alcohol.
• Sabotage and Terrorism is not covered.
• Major disease outbreak, epidemic or pandemic (SARS, CORONA, EBOLA, BIRD FLU, and other dreaded diseases).
• Claim arises directly or indirectly as a result of Pre-existing condition, pregnancy related causes, AIDS and suicidal cases is not covered.