COVERAGE:

Covers loss of life due to Covid-19, Dengue and Chikungunya.  It also has fourteen (14) days of Daily Hospital Income Benefit for hospital confinement due to COVID-19.

AGE ELIGIBILITY:

Not less than one (1) year old nor more than seventy-five (75) years of age.

FEATURE AND BENEFITS:

• Accidental Death - provides indemnity to the Insured/s for loss of life arising from an accident.

• Loss of Life Cash Assistance (LLCA) - lump sum benefit following death due to COVID-19 infection.

• Daily Hospital Income Benefit (DHIB) - fixed daily cash benefit for every day of hospital confinement due to COVID-19 (up to maximum of fourteen [14] days).

• Medical Reimbursement - provides reimbursement for actual expenses incurred (but not to exceed the amount stated in the policy) irrecoverable from any means for treatment of injuries sustained in an accident.

• Loss of Life Cash Assistance (LLCA) - lump sum benefit following loss of life due to Dengue or Chikungunya.

CONDITIONS SPECIFIC TO COVID-19

INCLUSIONS:

The contraction of COVID-19 by the Insured must be:

a. Medically diagnosed during the policy period or within the Reporting period by (i) a licensed physician or medical professional, (ii) through the use of a nasopharyngeal swab test kit approved by the Philippine Bureau Food and Drug Administration (BFAD) and/or World Health Organization (WHO) and (iii) carried out in Department of Health (DOH) licensed COVID19 hospital or testing center;

b. Contracted after fourteen (14) days from effectivity date of policy and within the period of this endorsement; and/or

c. Filed and reported to the Company within the Reporting Period (5 days) after expiry of the endorsement

EXCLUSIONS:

a. Any accidental injury, sickness or disease other than COVID-19;

b. COVID19 infection that is not medically diagnosed by a licensed physician through approved swab test kit and administered in a hospital facility or DOH accredited test center COVID-19 illness that had manifested and treated outside the Philippines.

c. COVID19 infection which has been contracted by the insured less than fourteen (14) days from effectivity of the policy or beyond the reporting period

d. COVID19 illness that had manifested and treated outside the Philippines.

e. Claim for Loss of Life Cash Assistance (LLCA) and or DHIB benefit not supported by medical diagnosis through approved swab test kit performed by a licensed physician in a hospital facility or DOH accredited test center.

CONDITIONS SPECIFIC TO DENGUE OR CHIKUNGUNYA

INCLUSIONS:

Contraction of Dengue or Chikungunya by the insured which was:

a. Medically diagnosed by a licensed physician;

b. Confirmed through medical procedures administered in a hospital;

c. Contracted after fifteen (15) days from effectivity of this endorsement; and

d. Contracted beyond a separation period of ninety (90) days between the insured’s most recent clinical diagnosis of Dengue or Chikungunya and the current medical confirmation of such illness.

EXCLUSIONS:

a. Any accidental injury, sickness or disease other than Dengue and Chikungunya;

b. Dengue and Chikungunya fever that is not diagnosed by a licensed physician through tests administered in hospital facilities.

c. Dengue and Chikungunya which has been contracted by the insured within fifteen (15) days from the effectivity of this endorsement.

d. Dengue and Chikungunya contracted within the separation period;

e. Claim for Loss of Life Cash Assistance (LLCA) benefit not supported by Dengue and Chikungunya Serology report or medical report issued by a physician.

PLAN TYPES AND PREMIUMS:

GENERAL EXCLUSIONS:

1. Loss caused directly or indirectly, wholly or partly by:

   a. bacterial infections, viral infections, sickness or disease (except pyogenic infections which shall occur through an accidental cut or wound); or infections caused by parasites;

   b. medical or surgical treatment (except such as may be necessary solely by reason of injuries covered by this policy);

   c. miscarriage or pregnancy, any disease of the female reproductive organ;

2. Suicide or any attempt thereat;

3. Murder and unprovoked assault;

4. Loss occasioned by war, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), mutiny, strikes, riots, civil commotion, civil war, rebellion, revolution, insurrection, conspiracy, terrorism, military or usurped power, martial law or state of siege, seizure, quarantine, or customs regulations or naturalization by or under the order of any government or public or local authority. This exclusion shall be affected by any endorsement which does not specifically refer to it, in whole or in part. The application of the exclusion referring to martial law or state of siege is hereby waived for any territorial jurisdiction of the Republic of the Philippines.

5. Nuclear radiation or radioactive contamination;

6. Injury sustained while participating in amateur or professional athletics, local sports leagues or international tournaments, or any organized and scheduled amateur physical contact sport;

7. Injury sustained while engaging in but not limited to mountaineering requiring the use of ropes or guides, skin diving employing the use of compressed cylinders, racing on wheels or horseback, skydiving from device for aerial navigation, hang gliding or any type of water sport.

8. Cave-in of mines;

9. Loss of life or injury sustained as a direct result of, in connection with or attributable to the insured being under the influence of prohibited/regulated drugs or alcohol.

10. Loss of life or injury sustained as a direct result of, in connection with or attributable to;

   a. a commission of a crime or any attempt thereat,

   b. violation of rules and regulation on traffic and/or road use;

   c. avoiding arrest or

   d. any unlawful act (civil or criminal)

11. No recovery on the policy can be made for any and all losses due to widespread diseases, virus outbreak, epidemic or pandemic as declared by the Department of Health, the World Health Organization or any government institution of any recognized government in the world including any consequential loss such as, but not limited to, stranding or restriction to travel, quarantine or lock down, unemployment, embargo, insolvency and any other prejudice on liberty or any loss of economic opportunity or pecuniary loss from any act of any Government authority to mitigate, remedy or prevent the epidemic or pandemic.