Get Php 1,140,000 coverage for as low as Php 289/month*!

Exclusions & Limitations

Exclusions - What we are not able to cover

  • We will not pay any benefit for disability under your Policy if:
    • It is caused by a pre-existing condition
      • it is caused by:
        • suicide or any attempted suicide, while sane or insane; or
          • any intentionally self-inflicted injury; or
            • any illegal or unlawful act, or any attempt to perform any illegal or unlawful act (including any act of terrorism) committed by you.
            • it happens while you are on duty and serving in the armed forces of any country or international authority, whether in the time of war or peace.
              Pre-Existing Condition
              is any condition for which you may have already had signs or symptoms, received medical advice, diagnosis, medication, or treatment prior to the effective date or date of last reinstatement, whichever is later.
              Any condition where a physician has certified that you have fully recovered for at least twenty-four (24) months prior to the effective date or date of last reinstatement (whichever is later) will not be considered as a Pre-existing Condition.
            • We will not pay any benefit for death under your Policy if it is caused by suicide within one (1) year from the following, whichever is later:
              • the effective date; or
                • date of last reinstatement date; or
                  • date of change in coverage
                      However, if suicide is proven to have been committed while insane, it will be payable regardless of when it happens. If the suicide is not payable, we will refund the premiums paid in full for the policy year.

                  Limitations

                  • Things you need to know regarding your policy
                    • The cash bonus is not guaranteed
                      • If we find your claim documents to be invalid, or if we have reason to believe that the cause of disability or death is due to the Exclusions mentioned above, we may request for the following to further assess your claim where it is not forbidden by law:
                        • Submit other validation documents
                          • Undergo medical examination (at our expense)
                            • Complete other necessary procedures
                          • Things you need to know before claiming for the Disability Benefit
                            • We will pay 100% of the monthly cash benefit in case you get disabled, unless the disability is caused by an Expanded Accident, where we will pay 50% of the monthly cash benefit. Expanded Accidents are those that happen:
                              • while you are at work as a Licensed Pilot, Helmsman, or Paid Driver;
                                • while you are in a commercial land vehicle, aircraft, or water-borne craft but not as a fare-paying passenger
                                  • during any of the following incidents:
                                      • Body Boarding
                                      • Ballooning
                                      • Kite Surfing
                                      • Gliding
                                      • Jet Skiing
                                      • Canopy Piloting
                                      • Canoeing
                                      • Parachuting
                                      • Wind Surfing
                                      • Skydiving
                                      • Hang Gliding
                                      • Legal Road Racing
                                      • Paragliding
                                      • Legal Water Racing
                                    • during any act of terrorism
                                      • during any nuclear, biological, or chemical attack/warfare
                                          For (d) and (e), the benefit amount may be adjusted or payment may be delayed.
                                      • The disability must fall into any of the following classifications:
                                        • Functional Disability
                                            • A state or condition that prevents a person from performing at least 3 of the 6 Activities of Daily Living (ADL), which are (i) washing, (ii) dressing, (iii) transferring, (iv) mobility, (v) toileting, and (vi) feeding.
                                          • Presumptive Disability
                                              • A state or condition where you suffer total and irrevocable loss of (i) the entire sight in both eyes, or (ii) the use of any two limbs at or above the wrist or ankle, or (iii) the entire sight in one eye and the use of any one limb at or above the wrist or ankle.
                                            • Occupational Disability
                                                • A state or condition where you are unable to perform:
                                              • your current occupation; or
                                                • any occupation where you can earn more than half of your income prior to being disabled.
                                              • A disability must be total and permanent and:
                                                • It persists for at least 6 months from the date of disability for the following disability classification:
                                                  • Functional Disability
                                                    • Occupational Disability
                                                    • If an attending physician certifies that the person will not recover from the disability in the next 5 years for the following disability classification:
                                                      • Functional Disability
                                                        • Occupational Disability
                                                          • Presumptive Disability
                                                        • You must have an occupation at any time within six (6) months prior to the incident that caused the disability; and You must be in an occupation for at least six (6) consecutive months.
                                                        • Things you need to know before claiming for the Death Benefit
                                                            • Death may be due to any cause, except if due to number 2 under Exclusions above.
                                                          • Things you need to know about your Premiums
                                                              • Your premium rate will be guaranteed for the first 5 years. After that, it is only guaranteed on a yearly basis. It may be adjusted on the renewal date of your policy depending on the actual claims on the product or other benefit changes made to it over time. We will notify you 45 days before the new premium rates become effective. The new premium rates will be subject to prior approval of the Insurance Commission.