Premium Pamilya Max 300

• Insured can avail up to five (5) policies.
• Eligibility: Principal must be 17 year old to 70 years old
• Accidental Medical Reimbursement: 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.​
• Animal Bites are covered only under this policy after a 30-day waiting period from policy effectivity. Insect bites, including dengue and related conditions such as poisoning or rashes, are excluded from coverage.
• Educational Assistance due to Accidental Death: for qualified dependent who at the time of Insured’s death is a full-time student. Must be unmarried and between 3 and 21 years old.
• Accidental Permanent Disablement or Dismemberment: percentage of Sum Insured based on the Table of Benefits.
• 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.
• Compassionate Assistance due to Dengue / Leptospirosis: Whereby reason the Insured/s died due to dengue or leptospirosis, the Insurer will provide cash assistance not exceeding the maximum amount stated in the Schedule. However, this excludes claims from any pre-existing condition.
  Pre-Existing Condition means any condition for which: ​ ​
  (i) The Insured received medical treatment, diagnosis, consultation or prescribed drugs, or for which symptoms or manifestations have existed whether treatment was actually received within twelve (12) months period preceding the commencement of the Policy; ​
  ​(ii) Medical advice or treatment was recommended by a Physician within twelve (12) months preceding the commencement of the Policy; or ​
  ​(iii) The Insured should reasonably be aware of within twelve (12) months preceding the commencement of the Policy.
• Claims General Requirements:​ ​
  (i) TO WHOM INDEMNITIES PAYABLE. Indemnity for loss of life of the Insured is payable to the declared beneficiary, if surviving the insured and otherwise to the estate of the insured. All other indemnities of this policy are payable to the Insured.​
  ​(ii) The live-in partner, whether same sex or otherwise, can be declared under SPOUSE during enrollment for Pamilya Max 300. They can also be declared as BENEFICIARY of each other.​

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

1. Injuries from dangerous sports (fighting or self-defense sports, racing, mountaineering, high-risk activities).
2. Work-related injuries of high-risk occupations: 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, woodworking machinists, and underground workers, while performing their task as such.​
3. Provoked assault.
4. Injuries to seafarers or during offshore activities.
5. Asbestos exposure.
6. War, rebellion, civil unrest.
7. Suicide, self-injury, insanity, intoxication, drug use, hernia, diseases (except certain accidental infections), poisoning.
8. Travel in non-commercial or unauthorized aircraft.
9. Handling, making, or guarding explosives.
10. Criminal acts or illegal activities.
11. Arson.

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