Facts
about the incidence of accidental injuries in the
Philippines?
Fact
No. 1 - Out of every 1,000 Filipinos, six
(6) individuals suffer some form of accidental injury
in any given day: at home, in school, while travelling,
malling, vacationing, jogging, taking a shower, swimming,
even while eating or sleeping.
Fact
No. 2 - Of the 6 injured, 2 die instantly,
2 suffer some form of disablement, while the remaining
2 suffer some minor injuries requiring immediate first
aid care.
Fact
No. 3 - Only 1% of the 6 (he or she is not
even a person!) has some form of accident insurance
provided by Common Carriers (Bus, Ship, Airplanes)
or provided by Motor Car insurance. None of the 6
has any individually-obtained Personal Accident Insurance.
CONSEQUENCES:
Loss of Income * Either total or temporary Irreparable
Disablement * Expensive Medical care and hospital
bills * Expensive Burial Expenses. All these result
in financial dislocation!
IN
ADDITION: Grief * Stress * Emotional/Mental breakdown
for the Injured and/or the family or beneficiaries
in case of death.
THAT
IS THE SAD NEWS!
BUT
HERE IS THE GOOD NEWS!
Now
you can secure Millions of Pesos of Protection for
less than P 7.00 a day!!!
|
1st
|
|
In
case of Accidental Death |
P
1,000,000 |
|
2nd
|
|
In
case of Disablement |
Maximum
of P 1,000,000 |
|
3rd
|
|
Medical
Reimbursement |
Maximum
of P 50,000 |
|
4th
|
|
Weekly
Indemnity up to |
P
1,000 per week |
|
5th
|
|
Coverage
for Murder and Assault |
Maximum
of P 500,000 |
|
6th
|
|
Burial
Benefit |
Maximum
of P 100,000 |
ACCEPTABLE
APPLICANTS
In
Good Health * Annual Income: Min. of P 100,000 * Not
engaged in hazardous or high-risk occupation (e.g.
Deep-sea divers, window-cleaners & Underground
workers) * Ages 18 - 65
SAMPLE
COMPUTATIONS
|
COVERAGE
|
TOTAL
SUM
|
P
R E M I U M
|
|
INSURED
|
CLASS
I
|
CLASS
II
|
CLASS
III
|
CLASS
IV
|
| Accidental
Death & Disablement |
100,000.00
|
75.00
|
82.50
|
90.00
|
112.50
|
| Unprovoked
Murder & Assault |
50,000.00
|
19.00
|
20.65
|
22.50
|
28.15
|
| Medical
Expense & Reimbursement |
10,000.00
|
75.00
|
82.50
|
90.00
|
112.50
|
| Weekly
Indemnity |
1,000.00
|
187.50
|
262.50
|
337.50
|
412.50
|
| Burial
Benefit |
10,000.00
|
5.00
|
5.50
|
6.00
|
7.50
|
|
Net
Premium |
|
361.50
|
453.65
|
546.00
|
673.15
|
|
Doc.
Stamps |
|
45.19
|
56.71
|
68.25
|
84.14
|
|
Premium
Tax |
|
18.08
|
22.68
|
27.30
|
33.66
|
|
Local
Govt. Tax |
|
0.54
|
0.68
|
0.82
|
1.01
|
|
ANNUAL
PREMIUM |
|
425.31
|
533.72
|
642.37
|
791.96
|
|
COVERAGE
|
TOTAL
SUM
|
P
R E M I U M
|
|
INSURED
|
CLASS
I
|
CLASS
II
|
CLASS
III
|
CLASS
IV
|
| Accidental
Death & Disablement |
500,000.00
|
375.00
|
415.50
|
450.00
|
562.50
|
| Unprovoked
Murder & Assault |
250,000.00
|
95.00
|
103.25
|
112.50
|
140.75
|
| Medical
Expense & Reimbursement |
50,000.00
|
375.00
|
412.50
|
450.00
|
562.50
|
| Weekly
Indemnity |
1,000.00
|
187.50
|
262.50
|
337.50
|
412.50
|
| Burial
Benefit |
50,000.00
|
25.00
|
27.50
|
30.00
|
37.50
|
|
Net
Premium |
|
1,057.50
|
1,218.25
|
1,380.00
|
1,715.75
|
|
Doc.
Stamps |
|
132.19
|
152.28
|
172.50
|
214.47
|
|
Premium
Tax |
|
52.88
|
60.91
|
69.00
|
85.79
|
|
Local
Govt. Tax |
|
1.59
|
1.83
|
2.07
|
2.57
|
|
ANNUAL
PREMIUM |
|
1,244.16
|
1,433.27
|
1,623.57
|
2,018.58
|
|
COVERAGE
|
TOTAL
SUM
|
P
R E M I U M
|
|
INSURED
|
CLASS
I
|
CLASS
II
|
CLASS
III
|
CLASS
IV
|
| Accidental
Death & Disablement |
1,000,000.00
|
750.00
|
825.00
|
900.00
|
1,125.00
|
| Unprovoked
Murder & Assault |
5000,000.00
|
190.00
|
206.50
|
225.00
|
281.50
|
| Medical
Expense & Reimbursement |
100,000.00
|
750.00
|
825.00
|
900.00
|
1,125.00
|
| Weekly
Indemnity |
1,000.00
|
187.50
|
262.50
|
337.50
|
412.50
|
| Burial
Benefit |
100,000.00
|
50.00
|
55.00
|
60.00
|
75.00
|
|
Net
Premium |
|
1,927.50
|
2,174.00
|
2,422.50
|
3,019.00
|
|
Doc.
Stamps |
|
240.94
|
271.75
|
302.81
|
377.38
|
|
Premium
Tax |
|
96.38
|
108.70
|
121.13
|
150.95
|
|
Local
Govt. Tax |
|
2.89
|
3.26
|
3.63
|
4.53
|
|
ANNUAL
PREMIUM |
|
2,267.71
|
2,557.71
|
2,850.07
|
3,551.86
|
CLASSIFICATION
OF OCCUPATION
Class
I - Duties with no manual work; e.g., Accountant,
Architect, Auditor, Clergyman, Teacher, similar professions
and occupations.
Class
II - Duties with no manual work but includes
travelling, inspecting or surveying; e.g., Agent,
Appraiser, Assessor, Bookseller, Land Surveyor, Lawyer,
Physician, similar professions and occupations.
Class
III - Supervising manual work - includes occasional
manual work in superintending workmen; e.g., Engineer,
Foreman, Grocery Painting Contractor, Surgeon, Master
Tradesman, similar professions and occupations.
Class
IV - Duties involving light manual work; e.g.,
Barber, Professional Driver (private), Messenger,
Radio Technician, Tailor, Upholsterer, Master Tradesman
who generally do light manual work.
|
GET
THE PROTECTION NEEDED FOR YOU AND YOUR LOVED
ONES!
|
|
