| Benefits | Coverage |
|---|---|
| Death Due to Accident Including Unprovoked Murder and Assault |
₱15,000.00 |
| Death Due to Motorcycle Accident | ₱5,000.00 |
| Permanent Disablement or Dismemberment Due to Accident |
Up to ₱10,000.00 (subject to schedule) |
| Permanent Disablement or Dismemberment Due to Motorcycle Accident |
Up to ₱5,000.00 (subject to schedule) |
| Death due to COVID-19 | ₱10,000.00 |
| Cash Assistance for Hospital Confinement Due to Covid-19 | ₱5,000.00 |
| Annual Premium | ₱49.00 |
TERMS and CONDITIONS
- Insured can avail up to five (5) policies.
- Eligibility: Principal must be 17 to 70 years old.
- Accidental death outside the Philippine territory is covered if the insured who availed the product went abroad as Overseas Filipino Worker (OFW).
- 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.
- Permanent Disablement or Dismemberment due to accident: percentage of the sum insured corresponding to the bodily injury suffered, based on the Table of Benefits.
- Coverage for COVID-19 is a one-time availment only.
- Hospital shall mean a duly registered hospital accredited by DOH, whether government or private.
- In the event of accidental death of the Insured who tested positive with COVID-19, the beneficiary can only claim for the accidental death benefit since the proximate cause is accident and not illness because of COVID-19.
- Death due to COVID shall mean complications caused by the COVID 19 infection resulting to death of the Insured.
EXCLUSIONS
The Policy will not cover any loss or expense caused by or resulting from:
- Intentionally self-inflicted injury, suicide or any attempt threat 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 usurped power.
- 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 license, 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.
