Medical & Emergency Expenses

These expenses shall be based on cashless basis as arranged in in accredited network of medical providers worldwide. Emergency expenses refer to services which may require transferring or repatriating of insured back to the Philippines or to a properly-equipped facility.

Emergency Evacuation & Repatriation

Any accident or sudden illness which may require evacuation back to the Philippines or transferring to a properly equipped health facility, or repatriation to the Philippines of mortal remains will be covered based on policy.

Personal Accident

Any accident or sudden illness which may require evacuation back to the Philippines or transferring to a properly equipped health facility, or repatriation to the Philippines of mortal remains will be covered based on policy.

Hospital Cash Allowance

Payment for each 24-hour hospital confinement due to injury or illness (up to ten[10] days).

Travel Delay

Payment of expenses incurred for the purchase of clothing and toiletries if the checked-in baggage has been delayed for more than twelve (12) hours.
Payment for each 6-hour delay of flight due to severe weather condition, natural disasters, or equipment failure.

Baggage Delay

Payment for the loss and damage of checked-in baggage and personal effects, and is not covered by the airline baggage limit of liability.

Trip Cancellation

The payment of the non-refundable portion of travel arrangement to be cancelled due to illness, or death of the insured or immediate family member.

Trip Termination

Payment of non-refundable portion of travel arrangement after the start of travel or holiday due to serious illness and bodily injury, or death of the insured or immediate family member.

Loss of Travel Documents

The cost to replace lost passport and/or other travel-related documents plus hotel accommodation, travel and communication expenses.

Compassionate Visit

In the event of hospitalization for more than five (5) days as a result of injury or illness, the Company will pay for the reasonable cost of expense for transportation and accommodation of an immediate family member to the place of hospitalization of the in- patient".

Child Guard

In the event of hospitalization for more than five (5) days as a result of injury and accompanied by a minor, the Company will pay for the reasonable cost of expense for transportation and accommodation of an immediate family member to care for the minor.