THE TOTAL ACCIDENT PROTECTION PLAN THAT PROVIDES CASH WHEN YOU NEED IT MOST.
IT PROVIDES WORLDWIDE COVERAGE ALL TIMES OF THE DAY.

A yearly renewable policy with premiums paid on an annual basis and accepts applicants aged
18-65 years old.

Maximum Benefits at a reasonable cost!

• Accident Death and Disablement Benefit
  
  Philamlife will pay for deaths caused by accidents and/or up to 100% of a person's accident insurance coverage in case of accidental disablement.
  
  
• Permanent and Total Disability Benefit
  
  If a person is rendered permanently and totally disabled by an accident, said person will receive 3% of his total accident insurance coverage every month for 32 months and at the end of that period the person will receive a final payment of 4% of his total insurance coverage.  (You may refer to your policy contract for a more detailed explanation of this benefit)
  
  
• Special Major Accidental Disablement Coverage
  
  If a person suffers an injury or becomes disabled on the following:
  
  - Both Hands
  - Both Feet
  - One Hand and One Foot
  - Sight of both eyes
  
  Said person shall receive an added benefit equal to 25% of his total accident insurance coverage on top of the Accidental Disablement provision which pays 100% of a person's insurance coverage.  This means that if a person is insured for one million pesos   (P 1,000,000.00) and suffers a disablement which falls on any of the four special cases cited above, that person will thus receive a total of 125% of his insurance which, in this case would be ONE MILLION TWO HUNDRED FIFTY THOUSAND PESOS (P 1,250,000.00).
  
  
• Special Compassionate Benefit
  
  Pays an amount equivalent to 2.5% of the insurance coverage or a maximum of P 100,000, whichever is lower, in case of death not resulting from injury caused by an accident.
  
  
• Renewal Bonus
  
  We will increase your original insurance coverage by 5% each year for the first five years of continued renewal of your policy.  (Applicable only to the first P 800,000 of the insurance coverage)
  
  
• Murder and Assault Benefit
  
  Philamlife will pay up to 50% of the insurance coverage but not exceeding P 100,000 for deaths due to unprovoked murder and/or injury caused by assault.  In cases of homicide (where deaths are considered accidental) we will pay up to 100% of the insurance coverage.

Value Added Options

• Medical Reimbursements
  
  Philamlife will reimburse actual medical expenses or injuries sustained from an accident provided that the treatment begins within 30 days from the date of the accident.  The amount of medical reimbursement coverage is equivalent to 5% of the accident insurance with a maximum of P 50,000.00.  This value-added option, when paid, is not deductible from the amount of accident insurance.
  
  
• Weekly Income
  
  An amount paid (up to P 2,000/week) every week to a person who is rendered temporarily disabled to do productive work.  Claims for weekly income must be made within 90 days form the date of the accident. This benefit is payable up to a maximum of 26 weeks.