Get an Excel Protect for your home, vehicle, and family today. Package for students and golfers are also available. Check out our enhanced packages today!
UCPB GEN understands that unforeseen home-related expenses and worries can come up at the least expected moment.
This is why our Home Excel Protect aims to give you the most comprehensive coverage possible to ensure maximum protection for you and your loved ones, anytime.
PLAN 1 : PRIME COVER
Coverage
Fire and lightning
Extended Coverage (Falling Aircraft, Vehicle Impact, Smoke Damage, and Explosion)
Earthquake
Riot, Strike, Malicious Damage
Typhoon
Broad Water Damage
Flood
Bursting &/or Overflowing of Water Tanks, Apparatus or Pipes
Additional Benefits
Description
Limit
Burglary
Pays for the actual cost of loss and/or damage caused by violent or forcible attempt or entry to the insured's premises.
P200,000.00
Debris Removal
Reimburses the actual cost of the removal of debris.
P100,000.00
Alternative Accommodation / Rental Expense (Increased Cost of Living)
Pays rental expenses for temporary lodging if the building occupied by the Insured is rendered uninhabitable due to loss or damage by an insured peril.
P20,000.00 per month
Architect & Surveyor’s Fees/Professional Fees
Reimburses the insured's actual expense for professional fees of Architects, Lawyers, and Surveyors in the preparation of his claim.
P50,000.00
Loss of Resident Employees' Personal Belongings
Pays for the loss of the resident employees' clothing and personal belongings (except cash and jewelry) due to fire or any of the insured perils.
P2,000.00 each employee up to P10,000.00
Accidental Breakage of Fixed Glass
P10,000.00
Replacement of locks & keys
P2,000.00
PLAN 2 : ADVANCE COVER
Coverage
Fire and lightning
Extended Coverage (Falling Aircraft, Vehicle Impact, Smoke Damage, and Explosion)
Earthquake
Riot, Strike, Malicious Damage
Typhoon
Broad Water Damage
Flood
Bursting &/or Overflowing of Water Tanks, Apparatus or Pipes
Additional Benefits
Coverage
Limit
Accidental Death & Disablement (Insured)
Provides cover for the Insured in case of an accidental loss
caused by violent, visible, accidental and external means.
PhP 200,000.00 (18 to 60 yrs. old, renewable up to 65 yrs. old)
Accidental Death & Disablement (Family)
Provides cover for the Insured’s family in case of an accidental loss caused by violent, visible, accidental and external means.
If the Insured is married, his/ her spouse & children will becovered. Otherwise, if the Insured is single, his/her parents & dependent siblings are covered. PhP 100,000.00 for spouse/parents – not more than 65 yrs. old and PhP 25,000.00 each child/sibling, maximum of 4 – (1 to 21 yrs. old)
Accident to Resident Employees
The Company will also pay reasonable expenses incurred like funeral, ambulance, medical, surgical or hospital services arising as a result of accidental death or bodily injury to Resident Employees while in the principal insured’s employment.
PhP 5,000.00 per accident per employee maximum of four (4). Named employee basis.
Personal Liability
The Company will pay the Insured against all expenses, which the Insured may be legally liable in respect of accidental bodily injury to third parties or accidental damage to properties of third parties.
10% of sum insured, maximum of PhP 1,000,000.00 whichever is lower.
Insurable Properties
Houses constructed mainly of concrete materials and located within a predominantly residential subdivision or village.
Contents include appliances, furniture, and personal belongings except cash, jewelries, and securities. Improvements and contents of a rented house/unit may also be covered.
