COVERAGE DESCRIPTION
Accidental Death
Provides a cash benefit to the beneficiary if the insured dies due to an accident.
Accidental Total Permanent Disability
Pays a benefit if an accident causes a permanent and total disability that prevents the insured from working or performing normal daily activities for life (e.g., paralysis, loss of both eyes, or both limbs).
Accidental Disability
Provides compensation if an accident results in a partial or temporary disability that limits the insured’s ability to work or function normally but is not permanent or total.
Accidental Dismemberment
Pays a benefit if an accident leads to the loss of a body part, such as a hand, foot, finger, toe, or loss of sight or hearing, depending on the severity.
Unprovoked Murder and Assault
Provides coverage if death or injury occurs due to an unexpected and unprovoked violent act, such as murder or physical assault, where the insured did not initiate or participate in the violence.
Bereavement Assistance (Following Accidental Death)
Provides financial assistance to the family to help cover immediate expenses such as funeral arrangements after an accidental death.
Medical Reimbursement – Accidental Injuries
Reimburses medical expenses incurred due to accidental injuries, including doctor’s fees, medicines, laboratory tests, and other accident-related treatments (subject to limits and receipts).
Hospital Income Benefit (Accidental)
Provides a daily cash allowance for each day the insured is confined in a hospital due to an accident, helping cover loss of income and incidental expenses during confinement.
Emergency Room Assistance (Accidental)
Covers or reimburses emergency room treatment costs resulting from an accident, even if hospital admission is not required.
Fire Assist
Provides financial assistance if the insured’s home is damaged or destroyed by fire, helping with recovery or emergency needs.
Death Due to Motorcycle Accident
Provides coverage if death occurs as a result of a motorcycle-related accident, subject to specific policy conditions (such as helmet use, licensing, or ownership requirements).
Natural Death / Death Due to Illnesses
Pays a benefit to beneficiaries if the insured dies due to natural causes or illness, not related to an accident.
Dental Teleconsult + Free Online Prescription
Allows the insured to access online dental consultations, with up to six free prescriptions issued per coverage period.
Free One-Time Teeth Cleaning
Entitles the insured to one free professional dental cleaning, redeemable only at Denta Medica Marikina