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
Benefits
Coverage
Limits/Compensation
Burglary
Pays for the actual cost of loss and/or damage caused by violent or forcible attempt or entry to the insured's premises.
25% of Contents sum insured, maximum of Php 200,000.00
Debris Removal
Reimburses the actual cost of the removal of debris.
10% of Building sum insured, maximum of Php 100,000.00
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.
5% of Total Sum Insured, maximum of Php 20,000.00 each month up to 6 months
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.
5% of Building sum insured, maximum of Php 50,000.00
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
Damage to fixed glass caused by insured perils.
Actual cost, maximum of Php 10,000.00
Replacement of locks & keys
Damage to locks caused by burglary
Actual cost, maximum of Php 10,000.00
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
Provides cover for the Insured and his/ her family in case they suffer accidental bodily injury, which shall independently of any other cause result within one year of their death or disablement.
The Insured, spouse, and parent must be 18 to 60 years old whilst the children and siblings must be 1 to 21 years old, unmarried and unemployed.
Accidental Death: • Insured - Php 200,000.00
• Spouse – Php100,000.00
• 4 children - Php 25,000.00 each
Accidental Death: • Parent – Php 50,000.00 each
• Sibling – Php 25,000.00 each
Accidental Medical and Other Expenses
Provides cover for the Insured’s resident employees in case they incur reasonable expenses like funeral, ambulance, medical, surgical or hospital services as a result of accidental death or bodily injury to four (4) named resident employees.
Php 5,000.00 per accident per employee (subject to submission of original receipts)
Personal Liability
Provides an indemnity against legal liabilities incurred by the Insured arising out of his/ her personal activities as private individual
Excludes liability arising through: 1. injuries to employees
2. the use or ownership of vehicles, land or buildings
3. the carrying on of any employment, business or profession
10% of Total Sum Insured for Fire and lightning maximum of P 1,000,000.00 whichever is lower. The limit includes cover for legal expenses incurred with the Company’s consent
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.
