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A Yearly Renewable Individual Plan that provides insurance coverage for Employees and Members



BENEFITS
Incident/Benefits Isurance Amount
INSURANCE BENEFITS DUE TO ACCIDENTAL CAUSES
Accidental Death Benefit (ADB) 30,000.00
Accidental Disablement & Dismemberment (max)30,000.00
Medical Reimbursement due to Accident (MRA) (max)3,000.00
Cash Burial Benefit due to Accident (ACBB) 3,000.00
INSURANCE BENEFITS DUE TO NATURAL CAUSES
Death Benefit Due to Sickness 12,500.00
Cash Burial Benefit Due to UMA (CBBUMA) 1,500.00
ANNUAL PREMIUM PER PERSON Refer to premium schedule
per Occupational Risk
 
INSURING PROVISIONS
  • Eligible age is 18 to 64 years old on the last birthday.
  • Maximum Entry Age Limit is 55 years old. Exit age on the ( ) birthday.
  • In good health, not suffering from any critical illnesses or physical and mental disability.
  • Able to do the usual daily activities of livelihood.
  • Fill up the enrollment form insurance, subject for evaluation and approval.
  • Pay the annual premium according to the present occupation (occupational risk basis).
  • Coverage shall take effect upon approval of the application for enrollment, and subject to the conditions stipulated in the exclusions and limitations.
  • Suicide occurred within two year (2) years from the policy date is not covered.
  • Two (2) years contestability.
 
PREMIUM SCHEDULE PER OCCUPATIONAL RISK
OCCUPATIONAL RISK ANNUAL PREMIUM (PhP)
EMPLOYEE - Standard Occupation 400.00
EMPLOYEE - Substandard Occupation  
      Agriculture 486.00
      Bakeries 569.00
      Beauty Parlor 439.00
      Canning Preserving 639.00
      Construction 699.00
      Department Store 447.00
      Dock/Pier 679.00
      Drilling 628.00
      Drivers (mostly) 593.00
      Electrical 494.00
      Fire Department 707.00
      Food (Pub & Restaurant) 453.00
      Hospital/Asylum/Sanitarium/Funeral Parlors 488.00
      Hotels/Club w/ alcoholic drinks 629.00
      Hotels/Club w/o alcoholic drinks 453.00
      Ice Plant 679.00
      Janitorial Services/Gasoline Stations 569.00
      Legal 484.00
      Lumber 638.00
      Manufacturing of Cement 723.00
      Manufacturing of Crafts 449.00
      Manufacturing of Shoes (repair) 569.00
      Manufacturing of Textile 679.00
      Marketing 484.00
      Mining/Surface/Lining 610.00
      Plumbing/Pipelining/Machine shop/Auto Supply 488.00
      Printing/Publishing 494.00
      Public Transportation 679.00
      Reapir & Instalation of Car Aircon 467.00
      Retail Stores 437.00
      Rice & Corn Mills 645.00
      Shipping/Marine 829.00
      Shoe Shine Outlets 488.00
      Sugar Central Mills 707.00
      Super Market 447.00
      
The Foolowing Occupations are Limited Only to Natural Death Benefit
      BARANGAY TANOD 563.00
      OVERSEAS CONTRACT WORKER - Land-Based 238.00
      OVERSEAS CONTRACT WORKER - Sea-Based 342.00
      Security Guard 295.00

 
 
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