Eskwela Max (30 & 50)

• Insured can avail up to five (5) policies.
• Eligibility: Principal: 5 to 70 years old.
• Accidental Medical Reimbursement and Daily Hospital Confinement Allowance: only if bodily injuries resulted from accident..
• Burial Benefit: for accidental death only
• Fire Assistance Benefit: limited to the insured's declared address and occupied dwelling.
• Dengue and other insect bites: not covered.
• Permanent Disablement or Dismemberment due to accident: percentage of the sum insured corresponding to the bodily injury suffered, based on the Table of Benefits.
• Total Permanent loss of the use of a member shall be treated as loss of such member.
• 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, driving without a valid driver's license and with more than one (1) back rider.

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

1. The injuries from any hazardous / professional sports except for student competitions like intramurals etc.
2. Injuries arising out of the Insured engaging in Dangerous sports which means fighting or self-defense sports, (semi) professional sports, racing of any kind other than on foot, mountaineering expeditions and any other sport involving an exceptional risk of accidents are NOT COVERED under the proposed plan.
3. 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.
4. Provoked Assault.
5. Seaman/vessel crewmembers and any offshore activities/trainings.
6. Total Asbestos Exclusion Clause.
7. Death or disablement of bodily injury, occasioned by or happening through:
   • War, Invasion, Act of Foreign Enemy, Hostilities (whether war be declared or not), Civil War, Rebellion, Revolution, Insurrection, Mutiny, Military or Usurped Power, Riots, Strikes, Military or Popular Rising;
   • Suicide or Attempted Suicide (whether felonious or not, sane or insane), Hernia, Alcoholism, Intoxications, Drugs, Intentional Self-injury, Insanity, Diseases Bacterial or Viral infections (except pyogenic infections which shall occur through an accidental cut or wound and due to coronavirus (COVID19);
   • Poison or any poisonous substances accidentally or otherwise taken, administered, absorbed, or inhaled;
8. Death or disablement or bodily injury occurring whilst the Insured is travelling in an aircraft other than those licensed for public passenger service and operated by a regular Air Line on a published schedule flight over a regular air route between two established airports and in which the Insured is travelling as a ticket-holding passenger.
9. Death or disablement or bodily injury, consequent upon the Insured engaging in the making or handling of explosives or upon being engaged as a custodian of explosives.
10. Death or disablement or bodily injury, consequent upon the Insured's commission of or attempt to commit a felony or consequent upon the Insured's being engaged in an illegal occupation or performing an unlawful act.
11. Arson

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