Pamilya Mega 400

• Insured may only have up to five (5) active policies at a time.
• Eligibility: Principal must be 18 to 65 years old.
• SCOPE OF COVERAGE: The policy covers protection against loss of life or bodily injury, resulting solely, directly and independently of all other causes from an accident caused by external, violent, and visible means including:
  - Animal Bite (e.g. snake, rat, crocodile, carabao and horse (rampage)
  - Acts of Nature
  - Accidental food poisoning
  - Death loss or injuries resulting whilst driving/operating any two-wheeled motorized vehicle including pillion driver.
• UNPROVOKED MURDER AND ASSAULT: If the death of the Insured is caused by Murder or Assault, or any attempt thereat, the company will pay the Benefit Limit stated in the Confirmation of Cover, subject to the following conditions:
  Exclusions – Activities: The benefit will not be payable if the Insured was:
  - Engaging in political activities
  - Performing investigative, security, or political functions
  - Committing an illegal act
  - Holding any government position
  Exclusions – Geographical Areas: The benefit will not apply if the Unprovoked Murder or Assault occurred in any of the following areas, including all cities, towns, barrios, and barangays within:
  South Basilan/ Misamis Oriental / Misamis Occidental/ North & South Cotabato/ Agusan del Sur/ Zamboanga del Norte / Zamboanga del Sur/ Maguindanao/ Davao del Norte / Davao del Sur / Davao Oriental/ Lanao del Norte / Lanao del Sur
• BURIAL EXPENSE: The company shall reimburse customary and reasonable burial-related costs and expenses up to the Benefit Limit stated in the Policy Schedule, provided that the death of the Insured occurs within three hundred sixty-five (365) consecutive days from the date of the Accident.
• PERMANENT DISABLEMENT, DISMEMBERMENT, AND DEATH: Benefits arising from any accident, including motorcycle accidents, shall be governed by the applicable Accidental Disablement or Dismemberment Table of Benefits and the Death due to Accident (including Unprovoked Murder and Assault) benefit, as stated in the policy contract.
  Description of Disablement / Dismemberment                               Percentage
  Both hands ---------------------------------------------------------------------------100%
  Both feet -------------------------------------------------------------------------------100%
  Both sight of both eyes-------------------------------------------------------------100%
  Total and permanent loss of sight in one eye----------------------------------50%
  Total loss by physical severance or total and permanent loss of use of:
  Two limbs (arms or legs)-----------------------------------------------------------100%
  One limb (arm or leg)----------------------------------------------------------------50%
• EDUCATIONAL ASSISTANCE (Accidental Death): If the Insured dies due to an accident, a lump-sum benefit is paid to the qualified dependent(s) or beneficiary(ies) who are full-time students. This benefit forms part of the Death due to Accident (including Unprovoked Murder and Assault) coverage.
• NATURAL DEATH/ILLNESS: 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.
• WAITING PERIOD (NATURAL DEATH/ILLNESS): A waiting period of one hundred eighty (180) days applies. During this period, no claims arising from natural death or illness shall be payable. After the waiting period, claims related to pre-existing conditions shall be assessed on a case-by-case basis.
• FIRE ASSISTANCE: The company shall provide coverage up to the Benefit Limit stated in the Confirmation of Cover in the event of total loss or damage to the Insured’s home structure or contents at the declared address, including its contents, caused by fire or lightning, subject to the following conditions:
  (i) only the declared address in the policy, whether owned or rented, shall eligible for claims; and
  (ii) fire assistance shall be provided on a reimbursement basis, subject to submission of acceptable supporting documents.

OTHER CONDITIONS:

1. Premium Pamilya Mega 400 allows up to 4 children or 4 siblings
2. Single Principal insured under Premium Pamilya Mega 400 is allowed to add one insured (dependent) parent and four dependent siblings. A married principal insured can only insure additional one spouse and up to four children. Therefore, there can be a maximum of 6 insureds per policy/transaction
3. Live-in partner is allowed as long as neither the principal insured nor live-in partner is married and provided, they can provide CENOMAR upon Claims. CENOMAR shall prove that the insured is not married to anyone at the time of policy purchase

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

1. Intentionally self-inflicted injury, suicide or any attempt thereat while sane or insane
2. 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 usurped power
3. Provoked Assault
4. Congenital defects and conditions
5. Engaged in any military duties or naval operations, police and civilians with peace and order duties or combatant duties or trainings
6. Motorcycle related injuries or loss of life with expired or invalid driver’s licensed, expired vehicle registration
7. Driving under the influence of prohibited drugs or alcohol
8. Sabotage and Terrorism
9. Major disease outbreak, epidemic or pandemic (SARS, CORONA, EBOLA, BIRD FLU, COVID-19 and other dreaded diseases)
10. Pregnancy or childbirth

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