Provides the most valuable protection when an accident happens, making YOU and YOUR LOVED ONES financially secured.
The Insured
The Proposed Insured, between the ages 18 and 60 (renewable up to age 65) and/or his family members with the following qualifications:
- If Married:
- The Proposed Insured's legitimate spouse not more than 60 years old
- The Proposed Insured's legitimate or legally adopted children, between 1 to 21 years old
- If Single:
- The Proposed Insured's parents under 65 years old and all of the proposed insured's unmarried and unemployed brothers and sisters between the ages 1 and 21 who are wholly dependent on the Proposed Insured for support.
Cover and Benefits |
| |
Proposed Insured |
Spouse |
Each Parent |
Each Child/ Sibling |
| Accidental death |
100% of PSI |
50% of PSI |
25% of PSI |
10% of PSI |
| Permanent total disability |
100% |
50% |
25% |
10% |
| Medical expenses Reimbursement of actual amount paid for the injury up to the limit specified in the schedule |
100% |
50% |
25% |
10% |
| Optional Cover
Temporary disability* Weekly benefit equal to the percentage of the PSI for a period not exceeding 52 weeks |
100% |
50% |
25% |
10% |
*Shall not exceed the face amount of the policy.
PSI – Principal Sum Insured
Occupational Class |
| Class 1 |
Non-hazardous office and executive personnel whose duties are desk work or traveling outside office for official purposes but not engaging in manual work – such as office managers, employees, lawyers. |
| Class 2 |
Occupations involving limited manual work (not using machinery) such as doctor, dentist, supervising engineers, mechanics, and salesmen. |
| Class 3 |
Skilled or semi-skilled workers engaged in non-hazardous occupation involving occasional or regular manual work using tools or machinery (woodworking excluded) such as foremen, retail-deliverymen, garment factory workers. |
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