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

Product Details

In case you get totally and permanently disabled, you will receive the following:

  • 100% of the Monthly Cash Benefit; or
    • 50% of the Monthly Cash Benefit if as a result of an expanded accident
      Also, the disability should 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.

              The following are considered as expanded accidents. These are accidents 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, and chemical attack/warfare
                        For (d) and (e), the amount of benefit may be adjusted or payment may be delayed.

                          Other things you need to know

                          • For a disability to be covered it 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.

                          In case you pass away, we will pay the beneficiary/ies 100% of the Monthly Cash Benefit.