| BENEFITS | Kasambuhay 1,200 |
|---|---|
| Death Due to Accident Inluding Unprovoked Murder and Assault | ₱50,000.00 |
| 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) |
| Burial Benefit due to Accidental Death | ₱5,000.00 |
| Cash Assistance due to Natural Death/ Death due to Sickness | ₱5,000.00 |
| Educational Assistance for Beneficiary Due to Accidental Death | ₱2,500.00 |
| Accidental Medical Reimbursement | Up to ₱5,000.00 |
| Animal Bite (Dogs & Cats) | Up to ₱5,000.00 |
| Annual Physical Examination (Includes History & Physical Exam, Complete Blood Count, Urinalysis, Fecalysis & Chest X R-ray) | ₱700.00 |
| Annual Premium | ₱1,200.00 |
TERMS and CONDITIONS
- Insured can avail one (1) policy only.
- Eligibility: Principal must be 15 to 60 years old.
- Accidental Death & Permanent Disablement: Benefits are paid based on the extent of the injury as specified in the table of benefits (up to 100% of the Principal Sum).
- No recovery if the murder or assault occurs in any of the following provinces or places: South Basilan; Agusan del Sur; Davao del Norte/Sur/Oriental; Misamis Oriental/Occidental; Zamboanga del Norte/Sur; North & South Cotabato; Maguindanao.
- Cash Benefit for Natural Death - including heatstroke and dengue, 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: Lump sum for dependent students in case of accidental death.
- 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.
- Accident Medical Reimbursement: Reimburses up to ₱5,000 for medical expenses incurred within 52 weeks of an accident, including physician/surgeon fees, hospital charges, and licensed nurse services.
- Annual check-up of the insured to reimburse is up to P700.00 only.
- Permanent Disablement or Dismemberment due to accident: percentage of the sum insured corresponding to the bodily injury suffered, based on the Table of Benefits.
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.
- War, invasion, act of foreign enemy, hostilities, or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, conspiracy, rebellion, revolution, insurrection or military or unsurped power or
- Provoked Assault
- Congenital defects and conditions
- Engaged in any military duties or naval operations, police and civilians with peace and order duties or combatant duties or trainings
- Motorcycle related injuries or loss of life with expired or invalid driver’s licensed, expired vehicle registration.
- 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)
These are only some of the exclusions. Complete listings are in the issued policy.
