Terms and Condition
- Maximum of 5 policies per Insured
- Age limit: Principal 1 to 70 years old
- Medical Reimbursement as a result of an Incident only
- Burial Benefit as a result of an Accident Death
- Cash Assistance Due to Residential Fire is for declared location ONLY.
- Dengue is not covered, insect bites resulting to being poisoned or incurred rashes and other similar, related cases.
- Educational Assistance due to Accidental Death – pays the lump sum of benefits to a qualified dependent who at the time of Insured’s death is a full-time student of any institution or learning or education. Must be unmarried and between three (3) and twenty-one (21) years old.
- 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 and driving without a valid driver’s license.
- Death Due to Corona Virus (COVID-19): If within one year from the date of infection of COVID-19 shall result in Death of an Insured Person, the Company will pay under this Policy not exceeding the maximum amount stated in the Schedule of Benefit. Policy Conditions:
- Death Due to Corona Virus (COVID-19): If within one year from the date of infection of COVID-19 shall result in Death of an Insured Person, the Company will pay under this Policy not exceeding the maximum amount stated in the Schedule of Benefit. Policy Conditions:
- Age Eligibility is one (1) to seventy (70) years old.
- Must not be suffering from the following diseases prior to diagnosis of being positive with COVID-19 infection. With :** Hypertension, Cardiovascular Disease, Diabetes, Respiratory Disease, Cancer, Kidney Injury/Disease.
- Coverage is applicable only in the Philippines and in countries with a low infection rate (below 50 cases) based on the daily report of the World Health Organization.
- Permanent Disablement or Dismemberment as a result of an accident.
Policy Exclusions
The policy will not cover any loss or expense caused by or resulting from:
- The injuries from any hazardous / professional sports except for student competitions like intramurals etc.
- 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.
- 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, woodworking machinists, and underground workers, while performing their task as such.
- Provoked Assault.
- Seaman/vessel crewmembers and any offshore activities/trainings.
- Total Asbestos Exclusion Clause.
- 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;
- Death or disablement or bodily injury occurring whilst the Insured is traveling 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 traveling as a ticket-holding passenger.
- 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.
- 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.
- Arson
**These are only some of the exclusions. Complete listings are in the issued policy.**
Notice of Claim
Should be reported within thirty (30) days from the date of the accident. Original copies of the following documents must be submitted for fast evaluation of the claim:
Disclaimer
In case of conflict, the Master Policy shall prevail over the Confirmation of Cover. By signing this confirmation, customer acknowledges that he/she has read, understood, and accepted voluntarily the terms and conditions of this policy.
