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SCHENGEN COMPLIANT | SCHENGEN COMPLIANT | |
| Personal Accident Benefits | |||
Accidental Death and Permanent Disablement |
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| a) Adult | Up to 1,000,000 | Up to 2,500,000 | Up to 5,000,000 |
| b) Child | Up to 500,000 | Up to 1,250,000 | Up to 2,500,000 |
| Burial Assistance | Up to 5,000 | Up to 10,000 | Up to 20,000 |
| Travel Inconveniences Benefits | |||
| Trip Cancellation (Within 30 days before the commencement of the trip) |
Up to 50,000 | Up to 100,000 | Up to 200,000 |
| Trip Postponement (Within 30 days before the commencement of the trip) |
Up to 50,000 | Up to 100,000 | Up to 200,000 |
| Trip Curtailment | Up to 50,000 | Up to 100,000 | Up to 200,000 |
| Trip Delay | Up to 10,000 1,000 per 6 hours |
Up to 20,000 2,000 per 6 hours |
Up to 50,000 5,000 per 6 hours |
| Baggage Delay | Up to 10,000 1,000 per 6 hours |
Up to 20,000 2,000 per 6 hours |
Up to 50,000 5,000 per 6 hours |
| Loss / Damage to Baggage | Up to 20,000 5,000 per item subject to 500 deductible |
Up to 30,000 7,500 per item subject to 500 deductible |
Up to 50,000 10,000 per item subject to 500 deductible |
| Loss of Travel Documents | Replacement cost: Up to 5,000 Other expenses: Up to 10,000 |
Replacement cost: Up to 7,500 Other expenses: Up to 15,000 |
Replacement cost: Up to 10,000 Other expenses: Up to 20,000 |
| Hijacking | Up to 10,000 1,000 per 12 hours |
Up to 20,000 2,000 per 12 hours |
Up to 50,000 5,000 per 12 hours |
| Kidnap and Hostage | Up to 10,000 1,000 per 24 hours |
Up to 20,000 2,000 per 24 hours |
Up to 50,000 5,000 per 24 hours |
| Medical and Evacuation Expenses | |||
| Emergency Medical Expense | |||
| due to Accident | Up to 500,000 subject to 5,000 deductible |
Up to 2,500,000 subject to 5,000 deductible |
Up to 3,500,000 subject to 5,000 deductible |
| due to Accident | Up to 500,000 subject to 5,000 deductible |
Up to 2,500,000 subject to 5,000 deductible |
Up to 3,500,000 subject to 5,000 deductible |
| Hospital Allowance | Up to 30,000 1,000 per day minimum of 3 days |
Up to 60,000 2,000 per day minimum of 3 days |
Up to 150,000 5,000 per day minimum of 3 days |
| Hospital Visit Benefit (If hospitalized for more than 5 consecutive days) |
Up to 50,000 | Up to 100,000 | Up to 200,000 |
| Emergency Medical Evacuation and Repatriation | Unlimited | Unlimited | Unlimited |
| Repatriation of Mortal Remains | Unlimited | Unlimited | Unlimited |
| Hospital Visit Benefit (If hospitalized for more than 5 consecutive days) |
Up to 50,000 | Up to 100,000 | Up to 200,000 |
| Personal Liability | Up to 500,000 | Up to 1,000,000 | Up to 2,000,000 |
| 24-Hour Travel Assistance | Covered | Covered | Covered |
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| Personal Accident Benefits | |||
| Accidental Death and Permanent Disablement | |||
| a) Adult | Up to 500,000 | ||
| b) Child | Up to 250,000 | ||
| Burial Assistance | Up to 5,000 | ||
| Travel Inconveniences Benefits | |||
| Trip Cancellation (Within 30 days before the commencement of the trip) |
Up to 20,000 | ||
| Trip Postponement (Within 30 days before the commencement of the trip) |
Up to 20,000 | ||
| Trip Curtailment | Up to 20,000 | ||
| Trip Delay | Up to 5,000 500 per 6 hours |
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| Baggage Delay | Up to 5,000 5000 per 6 hours |
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| Loss / Damage to Baggage | Up to 10,000 2,500 per item subject to 500 deductible |
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| Hijacking | Up to 10,000 1,000 per 12 hours |
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| Kidnap and Hostage | Up to 10,000 1,000 per 24 hours |
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| Medical and Evacuation Expenses | |||
| Emergency Medical Expense | |||
| due to Accident | Up to 250,000 subject to 2,000 deductible |
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| due to Accident | Up to 25,000 subject to 2,000 deductible |
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| Hospital Allowance | Up to 10,000 1,000 per day minimum of 3 days |
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| Hospital Visit Benefit (If hospitalized for more than 5 consecutive days) |
Up to 10,000 | ||
| Emergency Medical Evacuation and Repatriation | Up to 50,000< | ||
| Repatriation of Mortal Remains | Up to 50,000< | ||
| Compassionate Visit | Up to 10,000 | ||
| Personal Liability | Up to 500,000 | ||
| 24-Hour Travel Assistance | Covered | ||
TRAVEL INSURANCE FAQs.
Yes, your travel policy has emergency medical and evacuation expenses due to Covid-19 if the customer is infected during his/her trip subject to the terms and conditions of the policy:
- Illness is not pre-existing
- Customer did not travel against the advice of the Philippine Government or the regulatory authorities of the travel destination
- Customer complied with the requirement, recommendation or warning of World Health Organization (WHO) or the equivalent authority of the travel destination to get vaccinated before the commencement of the trip
- And if the customer conformed with the pertinent requirements of the IATF and/or DOH.
- Trip cancellations / postponement, and curtailment will not cover due to Covid-19 since this is already a known event.
If the vaccine against the disease was directed, recommended or warned to be acquired by the World Health Organization (WHO) or the equivalent authority of your travel destination before your trip, you will not be covered for Medical and Evacuation Expenses.
You can only be covered for flight cancellation due to any of the following causes:
1. Unexpected death, serious injury or serious illness occurring to you, your family member or travel companion;
2. Unexpected outbreak of strike, riot, or civil commotion at the planned destination;
3. Sudden invitation by the court of law to serve as a witness that is not made known to you prior to the booking of the trip;
4. Serious damage to your residence in the Philippines from fire or natural disaster occurring within one (1) week before the commencement of the trip which requires Your presence on the premises;
5. An epidemic or natural disaster at the planned destination which prevents you from proceeding with the trip.
Claims must be submitted to nonlife@insurancepartner.ph within 30 days of the occurrence or loss.
For Domestic, excluded areas are Lanao del Norte, Lanao del Sur, South Cotabato, North Cotabato, Maguindanao, Zamboanga del Norte, Zamboanga del Sur, Sultan Kudarat, and Sulu Archipelago (including Basilan Province).
For International, excluded areas are: Crimea and Sebastopol, Cuba, Iran, North Korea, Syria, Venezuela which are identified sanctioned countries based on United Nations resolutions, or trade or economic sanction, laws or regulations of the European Union, United Kingdom or United States of America.
Claims will also not be covered for trips to countries/zones where the Philippine government or the equivalent regulatory authority of your destination has advised against travel.
Please click here for the claims process.
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