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Accidental Death Benefit

The Company will pay the Accidental Death Benefit if the Insured dies within one hundred eighty (180) days from an accident.

Eligibility and Coverage

• Individuals from age 18 to 64 may apply.
• Coverage up to 70 years old.
• Unit-deducting rider, i.e. charges are deducted from the policy’s account value.
• Minimum Sum Assured = PHP 50K, Maximum Sum Assured = PHP 50M (or USD equivalent).
• May be issued with or without the Guaranteed Insurability Offer (GIO*).

*Guaranteed Insurability Offer (GIO) allows the application to be issued without medical examination but is subject to certain limits, conditions and underwriting guidelines.

Hospital Income Benefit

The Company will pay the Hospital Income Benefit per day if the Insured becomes confined in a hospital for at least twenty four (24) hours, after which the benefit is payable. Two (2) or more separate confinements due to the same cause shall be considered as one confinement if they occur within thirty (30) days from each other. The aggregate number of days of hospital confinement shall not exceed one thousand (1,000) days. The Company will pay double the Hospital Income Benefit if the Insured is confined in the Intensive Care Unit (ICU). The aggregate number of days of ICU confinement shall not exceed three hundred sixty five (365) days.

Eligibility and Coverage

• Individuals from age 18 to 64 may apply.
• Coverage up to 70 years old.
• Unit-deducting rider, i.e. charges are deducted from the policy’s account value.
• Minimum Sum Assured = PHP 500, Maximum Sum Assured = PHP 5K (or USD equivalent).

Total and Permanent Disability Benefit

The Company will pay the Total and Permanent Disability Benefit if the Insured becomes totally and permanently disabled, subject to the conditions in the Policy Contract.

Eligibility and Coverage

• Individuals from age 18 to 64 may apply.
• Coverage up to 70 years old.
• Unit-deducting rider, i.e. charges are deducted from the policy’s account value.
• Minimum Sum Assured = PHP 50K, Maximum Sum Assured = PHP 10M (or USD equivalent).

Critical Illness Benefit

The Company will pay, subject to the definitions and conditions in the Policy Contract, the Critical Illness Benefit if the Insured is diagnosed to have any one of our covered Critical Illnesses.

1. Option 1 – covers 3 major illnesses: cancer, heart attack, and stroke.
2. Option 2 – covers 60+ critical illnesses. Please see list of covered illnesses here. (insert clickable hyperlink for the list of covered illnesses)
3. In addition to the above, the following benefits are also payable given the corresponding conditions:
   1. 10% of the Critical Illness Benefit on the first incident of Angioplasty;
   2. 15% of the Critical Illness Benefit on the first incident of Severe Mental Illness;
   3. 20% of the Critical Illness Benefit upon the first incident of a critical illness which is not one of the specified list of critical illnesses, but is covered as a "Major Critical Illness" in a Critical Illness policy of another life insurance company authorized by the Insurance Commission;
   4. The Critical Illness Benefit will be reduced by the claim amounts paid for (b) and (c).

Eligibility and Coverage

• Individuals from age 0 to 64 may apply.
• Benefit can be 10-year coverage or coverage up to age 75.
• This rider can be either unit-deducting or premium-paying:
  • Unit-deducting rider, i.e. charges are deducted from the policy’s account value
  • Premium-paying, i.e. additional premium payment that also builds cash value
• Minimum Sum Assured = PHP 50K, Maximum Sum Assured = PHP 10M (or USD equivalent).