Non-life Insurance

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CLIMBS Health & Accident Insurance

Protection to members/ policyholders against loss of income as a result of death due to accident or when they become hospitalized due to natural illnesses or accidents.

Eligibility

  • ✔
    Age Eligibility: 18 - 65 years old
  • ✔
    Contestability Period:
    -15 days on natural sickness;
    -6 months on pre–existing illness for more than 100 covered members;
    -1 year on pre–existing illness for more than 25 covered members  
Benefits Pearl Emerald
Accidental Death 5,000.00 10,000.00
Hospital Income Benefit (covers daily hospital benefit in excess of twenty four (24) hours confinement) – due to natural sickness and accident 250 / day (max. of 7 days per policy year) 250 / day (max. of 7 days per policy year)
ANNUAL PREMIUM 250.00 500.00

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KEYMAN

Protection for Class 1 occupational pure white collar job against accidents.

Eligibility

Age Eligibility: 18 - 65 years old

Benefits Coverage
Accidental  Death & Disablement 1,000,000.00
Unprovoked Murder and Assault 500,000.00
Accident Medical Reimbursement (AMR) 100,000.00
Accident Burial Benefits 100,000.00
ANNUAL PREMIUM 1,825.00

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Coop AKSI

A personal accident protection and assistance program.

Eligibility

  • ✔
    Age Eligibility: 18 - 65 years old
  • ✔
    Scope of Coverage:  The plan offers 24 hours a day, 365 days a year, worldwide protection against accident which an insured person may be exposed to in the course of activities related to business or pleasure, whether on or off-the-job, occurring in the house or while travelling. Coverage includes but not restricted to flying as passenger (not as crew member) in any commercial airline, on any regular schedule, non scheduled, chartered flight or any military transport operated by any government authority.
Benefits Bronze Silver Gold
Accidental  Death & Disablement 20,000.00 50,000.00 100,000.00
Unprovoked Murder and Assault 10,000.00 25,000.00 50,000.00
Accident Medical Reimbursement (AMR) 2,000.00 5,000.00 10,000.00
Hospital Income Rider due to accident (max. of 7 days per policy year) 100.00/day 200.00/day 300.00/day
ANNUAL PREMIUM 100.00 185.00 330.00

PLAN A

Option Accident, Death & Disablement Unprovoked Murder & Assault Accidental Medical Reimbursement Accidental Burial Benefit Annual  Premium
I 25,000.00 25,000.00 2,500.00 2,500.00 25.00
II 50,000.00  50,000.00 5,000.00 3,000.00 45.00
III 75,000.00 75,000.00 7,500.00 3,500.00 65.00
IV 100,000.00 100,000.00 10,000.00 4,000.00 85.00

PLAN B

Option Accident, Death & Disablement Unprovoked Murder & Assault Accidental Medical Reimbursement Accidental Burial Benefit Annual  Premium
I 20,000.00 20,000.00 2,000.00 5,000.00 25.00
II 40,000.00 40,000.00 4,000.00 5,000.00 45.00
III 60,000.00 60,000.00 6,000.00 10,000.00 65.00
IV 80,000.00 80,000.00 8,000.00 10,000.00 85.00
V 100,000.00 100,000.00 10,000.00 10,000.00 110.00

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Student Personal Accident Insurance (SPAI)

Group Term Accident Insurance coverage designed for students.

Eligibility

Age Eligibility: ​5 to 65 years old (purely student)
Minimum of P5,000.00 premium on 1st remittance  

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Travel Personal Accident Insurance (TPAI)

A personal accident protection and assistance program.

Eligibility

Age Eligibility: ​18 - 65 years old

Benefits Option 1 Option 2
Accidental Death & Dismemberment 1000,000.00 200,000.00
Murdered & Assault 100,000.00 200,000.00
Accident Medical Expense 2,500.00 5,000.00
No. of days Premium Premium
5 122.92 159.19
7 157.17 192.43
10 205.53 291.17

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Fire and Allied Perils

Provides financial protection in case of physical damages or losses on properties, owned by the member of the cooperative, caused by fire.

GUIDE TO PREMIUM MATRIX (Inclusive of taxes)
Property/-ies located under Zone I

  • ✔
    Metro Manila (Makati, Manila, Malabon, Mandaluyog, Marikina, Pasig, Pasay, Pateros, Parañaque, San Juan, Valenzuela, Navotas, Taguig, Quezon City, Las Piñas & Caloocan.
  • ✔
    Cebu City, Mandaue City, Lapu-Lapu City
  • ✔
    Subic Bay Metropolitan Area
  • ✔
    Export Processing Zone Area in Mariveles Bataan & Rosario Cavite

Property/-ies located under Zone II

  • ✔
    All other locations not stated in the location above;

CLASSIFICATION OF BUILDING

  • ✔
    CLASS A – Made of concrete under galvanized iron roof.
  • ✔
    CLASS B – Made of semi-concrete under galvanized iron roof.

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Prestige

Residential Fire Insurance designed for individual household owners located and situated within a subdivision and/or villages to protect their properties in case of physical damages caused by fire and/or lightning including allied perils like earthquake, typhoon, explosion, smoke, vehicle impact, falling aircraft and Riot Strike & Malicious Damage.

Benefits

  • ✔
  • FIRE and/or LIGHTNING with Earthquake, Typhoon, Flood, Explosion, Smoke, Vehicle Impact, Falling Aircraft and Riot Strike & Malicious Damage
  • ✔
    Rental Subsidy - max of six (6) months -10,000 per month
  • ✔
    Debris Removal - 20,000
  • ✔
    Fire Fighting Expenses - 20,000
  • ✔
    Domestic Outbuilding Clause - 20,000
  • ✔
    Comprehensive Personal Liability (CPL) - P100,000
  • ✔
    Family Personal Accident
  • ✔
    Housebreaking/Burglary -  10% of the sum insured, P300,000 whichever is lower.  Subject to P5,000 deductible  
Benefits Insured Spouse/Parent Each child max of 4
Accidental  Death & Disablement 100,000 50,000 10,000
Accident Medical Reimbursement (AMR) 10,000 5,000 1,000
Unprovoked Murder & Assault 100,000 50,000 10,000

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Fire Advantage

Residential Fire Insurance product for cooperative members with affordable annual premium to protect properties in case of physical damages.

Benefits Coverage
Residential Fire Insurance for Building and Household Contents (First Loss) 50,000
Personal Liability 20,000
Medical Payment 2,000
Damage to Property 2,000
Accidental Death & Dismemberment Insurance 25,000
Bereavement Assistance (due to any type of death) 2,500
Premium per unit of coverage (inclusive of taxes) one (1) unit per insured location 250

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Fire Insurance with Cash Assistance (FICA)

Fire Insurance With Cash Assistance.

Type of Coverage Residential Commercial
Fire Insurance Cash Assistance on Building and Contents or Improvement at indicated address 10,000.00 10,000.00
Accidental Death Benefit 10,000.00 10,000.00
Annual Premium 120.00 165.00

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Compulsory Third Party Liability (CTPL)

Protects the welfare of the public in case of motor car related accidents resulting to death and bodily injury.

Classification Annual Premium
Private cars including jeeps & utility vehicle 571.86
Light, Medium Trucks (Own Goods) not over 3,930 kgs. 617.08
Heavy Trucks (own goods) and private buses over 3,930 kgs. 1,150.67
Motorcycle & Trailers 291.50
Tricycle 315.05

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Comprehensive Motor Vehicle Insurance

Protects the welfare of the public in case of motorcar related accident resulting to death and bodily injuries.

Own Damage/Theft Premium Gov’t Tax Annual Premium
Light Car, Multi-Cab, Jitney, Sedan (Age of Vehicle: not over 10 years): per 100,000.00 Coverage 2,500.00 68.75 2,568.75
Medium Car, AUV, SUV, Van, Pick-up (Age of Vehicle: not over 10 years): per 100,000.00 Coverage 2,500.00 68.75 2,568.75
Motorcycle: (OD only, No Theft) (Age of Vehicle: not over 5 years): per 100,000.00 Coverage 2,500.00 68.75 2,568.75
Coverage Light Medium Heavy
50,000.00 975.00 1,050.00 1,200.00
100,000.00 1,095.00 1,170.00 1,290.00
50,000.00 195.00 225.00 345.00
100,000.00 270.00 345.00 465.00
Accidental Death Accident Medical Reimbursement Accident Burial Benefits Annual Premium
25,000.00 2,500.00 1,500.00 50.00
50,000.00 5,000.00 2,000.00 100.00
100,000.00 10,000.00 3,000.00 200.00