Benefits

Ano Ang Coverage Ng JUANLIFE?

ACCIDENTAL DEATH

Maaaring makakuha ng benepisyo mula JUANLIFE, sa di inaasahang pagpanaw dulot ng aksidente, o dulot ng kalamidad. Anuman ang mangyari, gawing mas panatag ang mga mahal mo sa buhay with our Accidental Death Coverage.

PERMANENT DISABLEMENT

Sa pagtamo ng kapansanan dulot ng aksidente o sakuna, kaagapay mo ang JUANLIFE sa aming Permanent Disability & Dismemberment coverage na makakatulong sa ’yo upang maka-recover.

MEDICAL REIMBURSEMENT

Matutulungan ka rin ng JUANLIFE sa mga aksidenteng di saklaw ng Permanent Disability & Dismemberment Coverage. Sa aming Medical Reimbursement, mas mapapagaan ang iyong gastusin sa paggamot sa ospital.

SPECIAL COVERAGES

UNPROVOKED MURDER AND/OR ASSAULT

Covered ng ilang JuanLife insurance ang mga injuries or death dulot ng pagkakasangkot sa krimen gaya ng murder and assault, basta’t mapatunayang walang ginawa ang insured na dahilan para siya ay saktan.

Covered by JuanLife Prime P2000 | JuanLife Work Essential BPO P600 | Driver P600 | Rider P600 o JuanLife Family Essential OFW Pamilya P350 | Passenger P350

BURIAL ASSISTANCE

Sa di inaaasahang pagpanaw dulot ng aksidente o unprovoked murder and assault, may ilang JuanLife insurance na makakapagbigay ng tulong sa pagpapalibing sa insured. 

Covered by JuanLife Prime P1000 | P1500 | P2000 |
JuanLife Work Essential BPO P600 | Driver P600 | Rider P600 o
JuanLife Family Essential OFW Pamilya P350 | Passenger P350

FULL POLICY TERMS AND CONDITIONS

Mariing basahing mabuti at buo ang coverage.

To move up in life, you must always be prepared. Handa ka na bang isiguro ang kapakanan at kaligtasan mo at ng iyong pamilya? Halika na’t alamin kung paano mo mabibigyan ng dagdag-suporta ang iyong mga mahal sa buhay, at pati na rin sa mga empleyado ng iyong maliit na negosyo!

With JUANLIFE, meron ka nang matatakbuhan sa mga oras na di mo inaasahan.

Magkakaroon ka ng kalidad na proteksyon: pumili lamang ng abot-kayang JuanLife insurance na para sa iyo.


ANNUAL PREMIUM
COVERAGE
Accidental
Death
Permanent
Disablement
Medical
Reimbursement
Unprovoked Murder
and / or Assault
Burial Assistance
JuanLife Basic
P300P150,000max. of P150,000max. of P7,500not includednot included
P500P250,000max. of P250,000max. of 12,500not includednot included
JuanLife Prime
P1000P500,000max. of P500,000max. of P25,000not includedP10,000
P1500750,000max. of P750,000max. of P37,500not includedP15,000
P2000P1,000,000max. of P1,000,000max. of P25,000max. of P250,000P50,000
JuanLife Worker
Essential
BPO - P600P250,000max. of P250,000max. of P12,500max. of P100,000P5,000
Driver - P600P250,000max. of P250,000max. of P12,500max. of P100,000P5,000
Rider - P600P250,000max. of P250,000max. of P12,500max. of P100,000P5,000
JuanLife Family
Essential
Passenger - P350P150,000max. of P150,000max. of P7,500max. of P50,000P3,000
OFW Pamilya - P350P150,000max. of P150,000max. of P7,500max. of P50,000P3,000

TERMS AND CONDITIONS

  1. Insured shall be the registered applicant for JuanLife Personal Accident Insurance.
  2. Insured should be a Filipino citizen. Age qualification varies per JuanLife Insurance policy.
  3. Each Insured can avail of multiple JuanLife Personal Accident Insurance policies amounting to a maximum total combined coverage of P1,000,000 for themselves every year.
  4. The JuanLife Personal Accident Insurance is valid for one (1) year from date of activation.
  5. The JuanLife insurance shall only be valid once activated via SMS, Facebook Messenger or via the JuanLife website.
  6. Beneficiary must be the LEGAL heirs of the insured.
      • For insured who are married, beneficiary shall be the legal spouse or the children.
      • For insured who are single, beneficiaries shall be the parents or siblings.
  7. For accidental death, the beneficiaries shall receive the maximum coverage of this policy.
  8. For injuries or permanent disablement caused by accidents, the insured shall receive 50% up to 100% coverage depending on the extent of injury. Please refer to the Inclusions Table for details.
  9. The Medical Reimbursement benefit covers medical expenses with supporting receipts related to accidents covered under the JuanLife Personal Accident Policy. It also covers medical expenses incurred from animal bites. This benefit can only be claimed once during the year of coverage.
  10. The benefit of those engaged in hazardous occupation is reduced to 10% of each coverage amount should the accident happen during the time or performance of their job or duty as such.
  11. Accidents that happened in other countries are covered.
  12. In cases of multiple claims, the maximum amount shall be the coverage for accidental death, plus the burial assistance benefit.
  13. LEGAL names of the insured and her beneficiaries, as well as other data submitted MUST be accurate for the insurance to be valid.

SPECIAL COVERAGE FOR SPECIFIC JUANLIFE PRODUCTS:

  1. If insured with JuanLife Insurance policies for Prime, Worker Essential and Family Essential, the Insured shall also receive burial assistance for accidental death on top of the accidental death coverage.
  2. If insured with JuanLife Insurance policies for Prime P2000, Worker Essential and Family Essential, the Insured is covered for disability or loss of life due to unprovoked murder and/or assault arising from robbery, hold-up assault, and other unlawful offence done. Unprovoked means that the insured should not have done any action or issued words to encourage any harm done to themselves by the assailant.
  3. This insurance shall be considered null and void if the accident or the unprovoked murder and/or assault occurred while the Insured is participating in anycriminal act or related offence.

 

TERMS AND CONDITIONS (IN FILIPINO)
  1. Ang insured ay dapat nakarehistrong aplikante sa JUANLIFE Personal Accident Insurance.
  2. Ang insured ay dapat Filipino citizen, at may edad na ayon sa sumusunod na JuanLife Insurance policy.

  3.  Ang insured ay pwede magkaroon ng maraming JuanLife Insurance policies na may total combined insurance coverage na P1,000,000 para sa kanilang sarili bawat taon.
  4. Ang JUANLIFE Personal Accident Insurance ay may bisa hanggang isang (1) taon from the date na in-activate ito.
  5. Ang JUANLIFE policy mo ay may bisa lamang kapag na-activate na sa pamamagitan ng SMS, Facebook Messenger o sa aming official JuanLife website.
  6. Ang beneficiary ng insured ay mga LEGAL na tagapagmana lamang.
      • Para sa insured na single, beneficiaries ay ang magulang o kapatid.
      • Para sa insured na kasal, ang beneficiary ay ang LEGAL na asawa o mga anak.
  7. Ang benefit na makukuha ng beneficiaries sa accidental death or pagkamatay dahil sa aksidente ng insured ay ang maximum coverage ng policy.
  8. Para sa mga injuries or permanent disablement dulot ng aksidente, makakatanggap ang insured ng 50% up to 100% coverage, depende sa kapansanan na natamo.  Please refer to the Inclusions Table for details.
  9. Ang benefit ng Medical Reimbursement ay nagco-cover ng gastusin sa pagpapagamot at may naaayong mga resibo na konektado sa mga aksidenteng covered ng JuanLife Personal Accident Policy. Ang mga kagat mula sa hayop ay kasama dito. Ang benefit na ito ay puwedeng gamitin ng isang beses sa taon na valid ang coverage.
  10. Ang benepisyo ng mga insured na may mapanganib na trabaho o hazardous occupation ay magiging 10% lamang ng bawat coverage amount kung ang aksidente ay nangyari habang ginagampanan nila ang kanilang trabaho o tungkulin.
  11. Sakop ng JuanLife Insurance policy ang mga aksidente na nangyari sa ibang bansa.
  12. Maaring mag-claim ng benepisyo ilang beses sa isang taon subalit ang maximum na benepisyong pwedeng makuha ay ang coverage para sa accidental death. 
  13. Kailangan gamitin ang LEGAL na pangalan ng insured, pati ng mga beneficiaries para maging valid ang insurance.

SPECIAL COVERAGE FOR SPECIFIC JUANLIFE PRODUCTS:

  1. Kung ang policy ng insured ay under JuanLife Prime, Worker Essential and Family Essential, ito ay may kasamang burial assistance benefit para sa accidental death maliban pa sa accidental death coverage.
  2. Kung ang policy ng insured ay under JuanLife Prime P2000, Worker Essential and Family Essential, ang insured ay makakakuha ng benepisyo para sa disablement or pagkamatay dulot ng pagnanakaw, hold-up, at iba pang unlawful offence, basta’t walang ginawa or sinabi ang insured na nag-udyok sa assailant na sya ay saktan or patayin
  3. Walang bisa ang insurance kung ang insured ay may ginawa or may kinalaman sa krimen na nagdulot ng aksidente or ng murder and/or assault.

COVERAGE

INCLUSIONS

EXCLUSIONS

Accidental Death (Biglang Pagkamatay)
This policy covers death caused by or happening through the following:

  • Accident (subject to the list exclusions).

  • Death caused by acts of nature such as earthquake, volcanic eruption, tidal wave.

  • Death caused by motorcycling accident.


This policy does not cover the following:


  1. Death or disablement caused by or that happened through:


    • War, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, riots, strike, military or popular uprising.

    • Suicide or attempted suicide,

    • Insured is under the influence of alcohol or illegal drugs.


  2. Death or disablement that occurred while the insured is travelling in an aircraft that is not licensed for passenger service and is not operated by a commercial airline.

  3. Death or disablement as a result of the insured engaging in risky activities: racing of all kinds, mountaineering, football, polo, hockey, winter sports, or yachting.

  4. Death or disablement due to murder and assault.

  5. People who have the following pre-existing medical conditions: Total Blindness, Total Deafness, Skull or Spinal Injuries, Infirmities and Diseases of the Brain, Heart, Liver, Lungs or Chest if the Lungs are affected, Chronic Diseases.



Permanent DisablementPhp 100% Coverage for:

  • Loss of two limbs

  • Loss of both hands

  • Loss of all fingers and both thumbs

  • Total loss of sight of both eyes

  • Injuries resulting in being permanently bedridden

  • Any other injury causing permanent total dismemberment

Php 70% Coverage for:

  • Loss of arm at or above elbow

Php 60% Coverage for:

  • Loss of arm between elbow and wrist

  • Loss of leg at or above knee

Php 50% Coverage for:

  • Loss of hand

  • Loss of one foot

  • Loss of sight on one eye

  • Loss of hearing of both ears


Medical Reimbursement
  • Injuries resulting from an accident that are not covered above,
  • including animal bites.
Burial Assistance
  • Death due to accident

  • Due to unprovoked murder.

  • Death due to disease.

  • Death due to homicide and murder

Unprovoked Murder and /or AssaultBenefit will be based on the policy coverage for UMA.

Php 100% Coverage for:

  • Loss of two limbs

  • Loss of both hands

  • Loss of all fingers and both thumbs

  • Total loss of sight of both eyes

  • Injuries resulting in being permanently bedridden

  • Any other injury causing permanent total dismemberment

Php 70% Coverage for:
  • Loss of arm at or above elbow
Php 60% Coverage for:
  • Loss of arm between elbow and wrist

  • Loss of leg at or above knee
Php 50% Coverage for:
  • Loss of hand

  • Loss of one foot

  • Loss of sight of one eye

  • Loss of hearing of both ears


  • If the insured have done any action or issued words to encourage any harm done to themselves by the assailant.

  • If the murder and or assault happened while the insured is:


    • Engaging in political activities or

    • Performing investigative security or political functions or

    • Holding any elective government position.




  • If the murder and or assault occurred in any of the following geographical areas, including their cities, towns, municipalities, barrios and barangays, namely:


    • Lanao Del Norte

    • Sultan Kudarat

    • Lanao Del Sur

    • Sulu archipelago

    • North Cotabato

    • Maguindanao

    • Zamboanga Sibugay

    • Zamboanga Del Norte

    • Marawi City

    • Zamboanga del Sur



COVERAGE

INCLUSIONS

EXCLUSIONS

Accidental Death (Biglang Pagkamatay)
Ang covered ng JUANLIFE ay ang pagkamatay mula sa mga sumunusod na dahilan:

  • Aksidente (na hindi kasama sa listahan sa exclusions).

  • Pagkamatay dahil sa natural disasters tulad ng earthquake (lindol), volcanic eruption (pagsabog ng bulkan), or tidal wave (alon).

  • Pagkamatay dahil sa aksidente habang nakasakay sa motorsiklo.


Hindi kasama sa policy na ito ang mga sumusunod:


  1. Pagkamatay o disablement dahil sa:


    • War (giyera), invasion (pagsalakay ng ibang bansa), act of foreign enemy (pagatake ng ibang bansa), hostilities, civil war, rebellion (pagrerebelde), revolution (rebolusyon), insurrection, mutiny, military or usurped power, riots, strike, military, or popular uprising,

    • Suicide or attempted suicide (nagpakamatay o sinubukang magpakamatay),

    • Kapag ang Insured ay nakainom or naka-droga.


  2. Ang insured ay nakasakay sa hindi lisensyadong eroplano at hindi operated ng commercial airline.

  3. Ang insured ay namatay o nabalian dahil nag-engage sa isang extreme activity (lahat ng klase ng racing, mountaineering, football, polo, hockey, winter sports, or yachting/boating).

  4. Pinsala dulot ng murder (sadyang pagpaslang) o kasugatang dulot ng assault (sadyang pananakit).

  5. Sinumang may mga sumusunod na kundisyon: Total Blindness (Kabuuang Pagkabulag), Total Deafness (Kabuuang Pagkabingi), Skull or Spinal Injuries (Kasugatan Sa Bungo o Gulugod), Mga Kundisyon Sa Utak, Puso, Atay, Baga o Dibdib Kung Apektado Ang Baga, at anumang Chronic o Pangmatagalang Kundisyon.



Permanent Disablement (Panghabambuhay na Kapansanan)Php 100% Coverage for:

  • Pagkawala ng dalawang paa.

  • Pagkawala ng parehong kamay.

  • Pagkawala ng lahat ng daliri o dalawang hinlalaki.

  • Buong pagkawala ng paningin sa parehong mata.

  • Pinsala sa katawan na magdudulot ng permanenteng pagkakaratay.

  • Iba pang pinsala sa katawan na magdudulot ng permanenteng kapansanan.

Php 70% Coverage for:

  • Pagkakawala ng braso mula sa siko or sa taas ng siko.

Php 60% Coverage for:

  • Pagkawala ng braso sa pagitan ng siko at pulso.

  • Pagkakawala ng hita mula tuhod o taas ng tuhod.

Php 50% Coverage for:

  • Pagkakawala ng isang kamay.

  • Pagkawala ng isang paa.

  • Pagkawala ng paningin sa isang mata.

  • Kawalan ng pandinig sa parehong tainga.


Medikal Na Reimbursement
  • Anumang aksidental na kasugatang hindi nabanggit sa itaas,
  • kabilang ang kagat ng hayop.
Burial Assistance (Tulong sa pagpapalibing)
  • Pagkamatay dahil sa aksidente
  • Due to unprovoked murder.
  • Pagkamatay dahil sa sakit.

  • Death due to homicide and murder.
Unprovoked Murder and /or Assault (Disablement or pagkamatay dulot ng pagnanakaw, hold-up, at iba pang krimen, na walang ginawa or sinabi ang insured na nag-udyok sa assailant na sya ay saktan or patayin.)Ang basehan ng benepisyo ay ang policy coverage para sa UMA

Php 100% Coverage for:

  • Pagkawala ng dalawang paa.

  • Pagkawala ng parehong kamay.

  • Pagkawala ng lahat ng daliri o dalawang hinlalaki.

  • Buong pagkawala ng paningin sa parehong mata.

  • Pinsala sa katawan na magdudulot ng permanenteng pagkakaratay.

  • Iba pang pinsala sa katawan na magdudulot ng permanenteng kapansanan.

Php 70% Coverage for:
  • Pagkakawala ng braso mula sa siko or sa taas ng siko.
Php 60% Coverage for:

  • Pagkawala ng braso sa pagitan ng siko at pulso.

  • Pagkakawala ng hita mula tuhod o taas ng tuhod.

Php 50% Coverage for:

  • Pagkakawala ng isang kamay.

  • Pagkawala ng isang paa.

  • Pagkawala ng paningin sa isang mata.

  • Kawalan ng pandinig sa parehong tainga.


  • Kapag may nasabi o ginawa ang insured para maudyok ang assailant na siya ay saktan.

  • Kapag ang pagkapatay o pananakit ay nangyari habang ang insured ay:



    • Lumalahok sa political activities or

    • May partisipasyon sa investigative security or political functions or

    • Kasalukuyang may elective government position.




  • Kung ang murder and/or assault ay nangyari sa mga sumusunod na lugar, kasama ang nakapaloob na cities, towns, municipalities, barrios at barangays:



    • Lanao Del Norte

    • Sultan Kudarat

    • Lanao Del Sur

    • Sulu archipelago

    • North Cotabato

    • Maguindanao

    • Zamboanga Sibugay

    • Zamboanga Del Norte

    • Marawi City

    • Zamboanga del Sur




EXCLUSIONS
This policy does not cover the following:


  1. Death or disablement caused by or that happened through:


    • War, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, riots, strike, military or popular uprising.

    • Suicide or attempted suicide,

    • Insured is under the influence of alcohol or illegal drugs.


  2. Death or disablement that occurred while the insured is travelling in an aircraft that is not licensed for passenger service and is not operated by a commercial airline.

  3. Death or disablement as a result of the insured engaging in risky activities: racing of all kinds, mountaineering, football, polo, hockey, winter sports, or yachting.

  4. Death or disablement due to murder and assault.

  5. People who have the following pre-existing medical conditions: Total Blindness, Total Deafness, Skull or Spinal Injuries, Infirmities and Diseases of the Brain, Heart, Liver, Lungs or Chest if the Lungs are affected, Chronic Diseases.



  1. Pagkamatay dahil sa sakit.

  2. Death due to homicide and murder

  • Kapag may nasabi o ginawa ang insured para maudyok ang assailant na siya ay saktan.

  • Kapag ang pagkapatay o pananakit ay nangyari habang ang insured ay:



    • Lumalahok sa political activities or

    • May partisipasyon sa investigative security or political functions or

    • Kasalukuyang may elective government position.




  • Kung ang murder and/or assault ay nangyari sa mga sumusunod na lugar, kasama ang nakapaloob na cities, towns, municipalities, barrios at barangays:



    • Lanao Del Norte

    • Sultan Kudarat

    • Lanao Del Sur

    • Sulu archipelago

    • North Cotabato

    • Maguindanao

    • Zamboanga Sibugay

    • Zamboanga Del Norte

    • Marawi City

    • Zamboanga del Sur




COVERAGE
INCLUSIONS
Accidental Death (Biglang Pagkamatay)
This policy covers death caused by or happening through the following:

  • Accident (subject to the list exclusions).

  • Death caused by acts of nature such as earthquake, volcanic eruption, tidal wave.

  • Death caused by motorcycling accident.


Permanent DisablementPhp 100% Coverage for:

  • Loss of two limbs

  • Loss of both hands

  • Loss of all fingers and both thumbs

  • Total loss of sight of both eyes

  • Injuries resulting in being permanently bedridden

  • Any other injury causing permanent total dismemberment


Php 70% Coverage for:

  • Loss of arm at or above elbow


Php 60% Coverage for:

  • Loss of arm between elbow and wrist

  • Loss of leg at or above knee


Php 50% Coverage for:

  • Loss of hand

  • Loss of one foot

  • Loss of sight on one eye

  • Loss of hearing of both ears


Medical Reimbursement
Injuries resulting from an accident that are not covered above, including animal bites.
Burial Assistance
  • Death due to accident

  • Due to unprovoked murder

Unprovoked Murder and /or AssaultBenefit will be based on the policy coverage for UMA.

Php 100% Coverage for:

  • Loss of two limbs

  • Loss of both hands

  • Loss of all fingers and both thumbs

  • Total loss of sight of both eyes

  • Injuries resulting in being permanently bedridden

  • Any other injury causing permanent total dismemberment



Php 70% Coverage for:
  • Loss of arm at or above elbow


Php 60% Coverage for:
  • Loss of arm between elbow and wrist

  • Loss of leg at or above knee



Php 50% Coverage for:
  • Loss of hand

  • Loss of one foot

  • Loss of sight of one eye

  • Loss of hearing of both ears

EXCLUSIONS
This policy does not cover the following:


  1. Death or disablement caused by or that happened through:


    • War, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, riots, strike, military or popular uprising.

    • Suicide or attempted suicide,

    • Insured is under the influence of alcohol or illegal drugs.


  2. Death or disablement that occurred while the insured is travelling in an aircraft that is not licensed for passenger service and is not operated by a commercial airline.

  3. Death or disablement as a result of the insured engaging in risky activities: racing of all kinds, mountaineering, football, polo, hockey, winter sports, or yachting.

  4. Death or disablement due to murder and assault.

  5. People who have the following pre-existing medical conditions: Total Blindness, Total Deafness, Skull or Spinal Injuries, Infirmities and Diseases of the Brain, Heart, Liver, Lungs or Chest if the Lungs are affected, Chronic Diseases.



  1. Pagkamatay dahil sa sakit.

  2. Death due to homicide and murder

  • Kapag may nasabi o ginawa ang insured para maudyok ang assailant na siya ay saktan.

  • Kapag ang pagkapatay o pananakit ay nangyari habang ang insured ay:



    • Lumalahok sa political activities or

    • May partisipasyon sa investigative security or political functions or

    • Kasalukuyang may elective government position.




  • Kung ang murder and/or assault ay nangyari sa mga sumusunod na lugar, kasama ang nakapaloob na cities, towns, municipalities, barrios at barangays:



    • Lanao Del Norte

    • Sultan Kudarat

    • Lanao Del Sur

    • Sulu archipelago

    • North Cotabato

    • Maguindanao

    • Zamboanga Sibugay

    • Zamboanga Del Norte

    • Marawi City

    • Zamboanga del Sur




MGA KASAMA AT 'DI KASAMA SA POLICY

COVERAGE

INCLUSIONS

EXCLUSIONS

Accidental Death (Biglang Pagkamatay)
Ang covered ng JUANLIFE ay ang pagkamatay mula sa mga sumunusod na dahilan:

  • Aksidente (na hindi kasama sa listahan sa exclusions).

  • Pagkamatay dahil sa natural disasters tulad ng earthquake (lindol), volcanic eruption (pagsabog ng bulkan), or tidal wave (alon).

  • Pagkamatay dahil sa aksidente habang nakasakay sa motorsiklo.


Hindi kasama sa policy na ito ang mga sumusunod:


  1. Pagkamatay o disablement dahil sa:


    • War (giyera), invasion (pagsalakay ng ibang bansa), act of foreign enemy (pagatake ng ibang bansa), hostilities, civil war, rebellion (pagrerebelde), revolution (rebolusyon), insurrection, mutiny, military or usurped power, riots, strike, military, or popular uprising,

    • Suicide or attempted suicide (nagpakamatay o sinubukang magpakamatay),

    • Kapag ang Insured ay nakainom or naka-droga.


  2. Ang insured ay nakasakay sa hindi lisensyadong eroplano at hindi operated ng commercial airline.

  3. Ang insured ay namatay o nabalian dahil nag-engage sa isang extreme activity (lahat ng klase ng racing, mountaineering, football, polo, hockey, winter sports, or yachting/boating).

  4. Pinsala dulot ng murder (sadyang pagpaslang) o kasugatang dulot ng assault (sadyang pananakit).

  5. Sinumang may mga sumusunod na kundisyon: Total Blindness (Kabuuang Pagkabulag), Total Deafness (Kabuuang Pagkabingi), Skull or Spinal Injuries (Kasugatan Sa Bungo o Gulugod), Mga Kundisyon Sa Utak, Puso, Atay, Baga o Dibdib Kung Apektado Ang Baga, at anumang Chronic o Pangmatagalang Kundisyon.



Permanent Disablement (Panghabambuhay na Kapansanan)Php 100% Coverage for:

  • Pagkawala ng dalawang paa.

  • Pagkawala ng parehong kamay.

  • Pagkawala ng lahat ng daliri o dalawang hinlalaki.

  • Buong pagkawala ng paningin sa parehong mata.

  • Pinsala sa katawan na magdudulot ng permanenteng pagkakaratay.

  • Iba pang pinsala sa katawan na magdudulot ng permanenteng kapansanan.

Php 70% Coverage for:

  • Pagkakawala ng braso mula sa siko or sa taas ng siko.

Php 60% Coverage for:

  • Pagkawala ng braso sa pagitan ng siko at pulso.

  • Pagkakawala ng hita mula tuhod o taas ng tuhod.

Php 50% Coverage for:

  • Pagkakawala ng isang kamay.

  • Pagkawala ng isang paa.

  • Pagkawala ng paningin sa isang mata.

  • Kawalan ng pandinig sa parehong tainga.


Medikal Na Reimbursement
  • Anumang aksidental na kasugatang hindi nabanggit sa itaas,
  • kabilang ang kagat ng hayop.
Burial Assistance (Tulong sa pagpapalibing)
  • Pagkamatay dahil sa aksidente
  • Due to unprovoked murder.
  • Pagkamatay dahil sa sakit.

  • Death due to homicide and murder.
Unprovoked Murder and /or Assault (Disablement or pagkamatay dulot ng pagnanakaw, hold-up, at iba pang krimen, na walang ginawa or sinabi ang insured na nag-udyok sa assailant na sya ay saktan or patayin.)Ang basehan ng benepisyo ay ang policy coverage para sa UMA

Php 100% Coverage for:

  • Pagkawala ng dalawang paa.

  • Pagkawala ng parehong kamay.

  • Pagkawala ng lahat ng daliri o dalawang hinlalaki.

  • Buong pagkawala ng paningin sa parehong mata.

  • Pinsala sa katawan na magdudulot ng permanenteng pagkakaratay.

  • Iba pang pinsala sa katawan na magdudulot ng permanenteng kapansanan.

Php 70% Coverage for:
  • Pagkakawala ng braso mula sa siko or sa taas ng siko.
Php 60% Coverage for:

  • Pagkawala ng braso sa pagitan ng siko at pulso.

  • Pagkakawala ng hita mula tuhod o taas ng tuhod.

Php 50% Coverage for:

  • Pagkakawala ng isang kamay.

  • Pagkawala ng isang paa.

  • Pagkawala ng paningin sa isang mata.

  • Kawalan ng pandinig sa parehong tainga.


  • Kapag may nasabi o ginawa ang insured para maudyok ang assailant na siya ay saktan.

  • Kapag ang pagkapatay o pananakit ay nangyari habang ang insured ay:



    • Lumalahok sa political activities or

    • May partisipasyon sa investigative security or political functions or

    • Kasalukuyang may elective government position.




  • Kung ang murder and/or assault ay nangyari sa mga sumusunod na lugar, kasama ang nakapaloob na cities, towns, municipalities, barrios at barangays:



    • Lanao Del Norte

    • Sultan Kudarat

    • Lanao Del Sur

    • Sulu archipelago

    • North Cotabato

    • Maguindanao

    • Zamboanga Sibugay

    • Zamboanga Del Norte

    • Marawi City

    • Zamboanga del Sur




 

 

MGA KASAMA AT 'DI KASAMA SA POLICY (IN FILIPINO)
COVERAGE
INCLUSIONS
Accidental Death (Biglang Pagkamatay)
Ang covered ng JUANLIFE ay ang pagkamatay mula sa mga sumunusod na dahilan:

  • Aksidente (na hindi kasama sa listahan sa exclusions).

  • Pagkamatay dahil sa natural disasters tulad ng earthquake (lindol), volcanic eruption (pagsabog ng bulkan), or tidal wave (alon).

  • Pagkamatay dahil sa aksidente habang nakasakay sa motorsiklo.


Permanent Disablement (Panghabambuhay na Kapansanan)Php 100% Coverage for:

  • Pagkawala ng dalawang paa.

  • Pagkawala ng parehong kamay.

  • Pagkawala ng lahat ng daliri o dalawang hinlalaki.

  • Buong pagkawala ng paningin sa parehong mata.

  • Pinsala sa katawan na magdudulot ng permanenteng pagkakaratay.

  • Iba pang pinsala sa katawan na magdudulot ng permanenteng kapansanan.


Php 70% Coverage for:

  • Pagkakawala ng braso mula sa siko or sa taas ng siko.


Php 60% Coverage for:

  • Pagkawala ng braso sa pagitan ng siko at pulso.

  • Pagkakawala ng hita mula tuhod o taas ng tuhod.



Php 50% Coverage for:

  • Pagkakawala ng isang kamay.

  • Pagkawala ng isang paa.

  • Pagkawala ng paningin sa isang mata.

  • Kawalan ng pandinig sa parehong tainga.


Medikal Na Reimbursement Anumang aksidental na kasugatang hindi nabanggit sa itaas, kabilang ang kagat ng hayop.
Burial Assistance (Tulong sa pagpapalibing)
  1. Pagkamatay dahil sa aksidente

  2. Due to unprovoked murder
Unprovoked Murder and /or Assault (Disablement or pagkamatay dulot ng pagnanakaw, hold-up, at iba pang krimen, na walang ginawa or sinabi ang insured na nag-udyok sa assailant na sya ay saktan or patayin.)Ang basehan ng benepisyo ay ang policy coverage para sa UMA

Php 100% Coverage for:

  • Pagkawala ng dalawang paa.

  • Pagkawala ng parehong kamay.

  • Pagkawala ng lahat ng daliri o dalawang hinlalaki.

  • Buong pagkawala ng paningin sa parehong mata.

  • Pinsala sa katawan na magdudulot ng permanenteng pagkakaratay.

  • Iba pang pinsala sa katawan na magdudulot ng permanenteng kapansanan.



Php 70% Coverage for:
  • Pagkakawala ng braso mula sa siko or sa taas ng siko.


Php 60% Coverage for:

  • Pagkawala ng braso sa pagitan ng siko at pulso.

  • Pagkakawala ng hita mula tuhod o taas ng tuhod.



Php 50% Coverage for:

  • Pagkakawala ng isang kamay.

  • Pagkawala ng isang paa.

  • Pagkawala ng paningin sa isang mata.

  • Kawalan ng pandinig sa parehong tainga.



EXCLUSIONS

Hindi kasama sa policy na ito ang mga sumusunod:


  1. Pagkamatay o disablement dahil sa:


    • War (giyera), invasion (pagsalakay ng ibang bansa), act of foreign enemy (pagatake ng ibang bansa), hostilities, civil war, rebellion (pagrerebelde), revolution (rebolusyon), insurrection, mutiny, military or usurped power, riots, strike, military, or popular uprising,

    • Suicide or attempted suicide (nagpakamatay o sinubukang magpakamatay),

    • Kapag ang Insured ay nakainom or naka-droga.


  2. Ang insured ay nakasakay sa hindi lisensyadong eroplano at hindi operated ng commercial airline.

  3. Ang insured ay namatay o nabalian dahil nag-engage sa isang extreme activity (lahat ng klase ng racing, mountaineering, football, polo, hockey, winter sports, or yachting/boating).

  4. Pinsala dulot ng murder (sadyang pagpaslang) o kasugatang dulot ng assault (sadyang pananakit).

  5. Sinumang may mga sumusunod na kundisyon: Total Blindness (Kabuuang Pagkabulag), Total Deafness (Kabuuang Pagkabingi), Skull or Spinal Injuries (Kasugatan Sa Bungo o Gulugod), Mga Kundisyon Sa Utak, Puso, Atay, Baga o Dibdib Kung Apektado Ang Baga, at anumang Chronic o Pangmatagalang Kundisyon.



  1. Pagkamatay dahil sa sakit.
  2. Death due to homicide and murder.


  • Kapag may nasabi o ginawa ang insured para maudyok ang assailant na siya ay saktan.

  • Kapag ang pagkapatay o pananakit ay nangyari habang ang insured ay:



    • Lumalahok sa political activities or

    • May partisipasyon sa investigative security or political functions or

    • Kasalukuyang may elective government position.




  • Kung ang murder and/or assault ay nangyari sa mga sumusunod na lugar, kasama ang nakapaloob na cities, towns, municipalities, barrios at barangays:



    • Lanao Del Norte

    • Sultan Kudarat

    • Lanao Del Sur

    • Sulu archipelago

    • North Cotabato

    • Maguindanao

    • Zamboanga Sibugay

    • Zamboanga Del Norte

    • Marawi City

    • Zamboanga del Sur




List of Hazardous Occupations

  1. All military and police personnel and officers,
  2. Barangay officials/tanod,
  3. Professional entertainers & athletes,
  4. Duties involving heavy manual work,
  5. Acrobats, asylums, attendants, aviators, boilermen, butchers, caddies, carpenters, construction workers, customs personnels, detectives, divers, electricians, explosive makers, farmers, firemen, fishermen, handlers or custodians, masons, miners, outdoor painters, professional referees, racehorse trainers, jockey, sailors, secret service personnels, security guards, ship’s crews, steeplejacks, stevedores, traffic aides, underground workers, welders, woodcarvers, tinsmiths, auto mechanics, window cleaners & woodworking machinists.

HOW TO FILE A CLAIM

  1. Agile Insurance Agency and Business Technologies shall be facilitating all Claims. 
  2. After the accident, notify Agile via phone, Facebook Messenger, email or the Contact Us page in the JuanLife website immediately. 

    JuanLife Claims Hotline: 02-7618-3046 or 0917-7062360

    Email: Claims@JuanLife.com.ph

    Facebook Messenger: @juanlifephilippinesofficial

  1. Agile shall respond to confirm your notification within 3 working days.
  2. Accomplish the Claims Form and submit the following requirements to Agile: Unit 2107 Antel Global Corporate Center, #3 Julia Vargas Avenue, Barangay San Antonio, Ortigas Center, Pasig City, Philippines 1605.
    ACCIDENTAL DEATH OR UNPROVOKED MURDER PERMANENT DISABLEMENT OR UNPROVOKED ASSAULTMEDICAL REIMBURSEMENT OR UNPROVOKED ASSAULT
    Accomplished Claims FormAccomplished Claims FormAccomplished Claims Form
    1. Certified true copy of the insured’s Death Certificate
    1. Incident Report
    1. Incident Report
    1. Police Report or Notarized Affidavit stating facts of the accident
    1. Medical Report
    1. Medical Report
    1. Photocopy of the claimant’s valid ID
    1. Pictures of insured’s injury
    1. Original Receipts of medical expenses
    1. Medical Certificate
    1. Photocopy of the claimant’s valid ID
    1. Photocopy of the claimant’s valid ID.
    1. Birth Certificate of the insured.
    1. Official Receipt of funeral and burial services
    1. Other documents that may be deemed necessary by the adjuster.
  3. The claims benefit shall be released based on the following schedule, on the condition that  ALL required and valid documents have been submitted by the claimants: 
    • Medical Reimbursement – within ten (10) working days
    • Permanent Disablement – within ten (10) working days 
    • Accidental Death – within twenty (20) working days
    • Unprovoked Murder and/or Assault –  within twenty (20) working days  
  4. In cases of claims other than Death, benefit shall be payable to the Insured.
  5. This policy shall become null and void if the Insured or his beneficiary/ies shall make any claim through fraudulent means or devices to obtain any benefit of this policy. 
PAANO MAG-FILE NG CLAIM
    1. Ang taga-ayos o tiga-facilitate ng iyong claims ay ang Agile Insurance Agency and Business Technologies, Inc.
    2. Pagkatapos ng aksidente, ipagbigay alam ang aksidente sa Claims Officer ng Agile. Maaaring tawagan ang Agile sa:

    JuanLife Claims Hotline: 02-7618-3046 or 0917-7062360

    Email: Claims@JuanLife.com.ph

    Facebook Messenger: @juanlifephilippinesofficial

  1. Hintayin ang sagot ng Agile sa loob ng 3 araw.
  2. Sagutin ang Claims Form na ibibigay at i-submit ang mga sumusunod na requirements sa Agile: Unit 2107 Antel Global Corporate Center, #3 Julia Vargas Avenue, Barangay San Antonio, Ortigas Center, Pasig City, Philippines 1605
ACCIDENTAL DEATH OR UNPROVOKED MURDER PERMANENT DISABLEMENT OR UNPROVOKED ASSAULTMEDICAL REIMBURSEMENT OR UNPROVOKED ASSAULT
Accomplished Claims FormAccomplished Claims FormAccomplished Claims Form
  1. Certified true copy of the insured’s Death Certificate
  1. Incident Report
  1. Incident Report
  1. Police Report or Notarized Affidavit stating facts of the accident
  1. Medical Report
  1. Medical Report
  1. Photocopy of the claimant’s valid ID
  1. Pictures of insured’s injury
  1. Original Receipts of medical expenses
  1. Medical Certificate
  1. Photocopy of the claimant’s valid ID
  1. Photocopy of the claimant’s valid ID.
  1. Birth Certificate of the insured.
  1. Official Receipt of funeral and burial services
  1. Other documents that may be deemed necessary by the adjuster.
  1. Kapag nasubmit ng claimant ang lahat ng required at valid documents, matatanggap niya ang kanyang benepisyo within the processing period.
    Nature of Claim
    Processing Period
    Accidental Death
    20 days
    Permanent Disablement
    10 days
    Medical Reimbursement
    10 days
  2. Kung ang insured ay namatay sa aksidente, ang kanyang designated legal beneficiary ang makakatanggap ng benepisyo. Kung ang insured ay nakaranas ng kapansanan, ang benepisyo ay matatanggap ng insured.

  3. Ang policy na ito ay mapapawalang bisa kapag napatunayang ang claims at ang mga dokumentong isinumite ay hindi totoo o hindi legal.

    Para sa mga karagdagang tanong o impormasyon, maaaring tumawag sa 02-8584-7598 o mag-email sa claims@juanlife.com.ph. Upang mas mabilis na makatanggap ng sagot, mag-message during our business hours mula 9am hanggang 5pm.

HOW TO FILE A CLAIM

  1. Agile Insurance Agency and Business Technologies shall be facilitating all Claims. 
  2. After the accident, notify Agile via phone, Facebook Messenger, email or the Contact Us page in the JuanLife website immediately. 

    JuanLife Claims Hotline: 02-8584-7598 or 0917-7062360

    Email: Claims@JuanLife.com.ph

    Facebook Messenger: @juanlifephilippinesofficial

  1. Agile shall respond to confirm your notification within 3 working days.
  2. Accomplish the Claims Form and submit the following requirements to Agile: Unit 2107 Antel Global Corporate Center, #3 Julia Vargas Avenue, Barangay San Antonio, Ortigas Center, Pasig City, Philippines 1605.
    ACCIDENTAL DEATH OR UNPROVOKED MURDER PERMANENT DISABLEMENT OR UNPROVOKED ASSAULTMEDICAL REIMBURSEMENT OR UNPROVOKED ASSAULT
    Accomplished Claims FormAccomplished Claims FormAccomplished Claims Form
    1. Certified true copy of the insured’s Death Certificate
    1. Incident Report
    1. Incident Report
    1. Police Report or Notarized Affidavit stating facts of the accident
    1. Medical Report
    1. Medical Report
    1. Photocopy of the claimant’s valid ID
    1. Pictures of insured’s injury
    1. Original Receipts of medical expenses
    1. Medical Certificate
    1. Photocopy of the claimant’s valid ID
    1. Photocopy of the claimant’s valid ID.
    1. Birth Certificate of the insured.
    1. Official Receipt of funeral and burial services
    1. Other documents that may be deemed necessary by the adjuster.
  3. The claims benefit shall be released based on the following schedule, on the condition that  ALL required and valid documents have been submitted by the claimants: 
    • Medical Reimbursement – within ten (10) working days
    • Permanent Disablement – within ten (10) working days 
    • Accidental Death – within twenty (20) working days
    • Unprovoked Murder and/or Assault –  within twenty (20) working days  
  4. In cases of claims other than Death, benefit shall be payable to the Insured.
  5. This policy shall become null and void if the Insured or his beneficiary/ies shall make any claim through fraudulent means or devices to obtain any benefit of this policy. 
PAANO MAG-FILE NG CLAIM
  1. Ang taga-ayos o tiga-facilitate ng iyong claims ay ang Agile Insurance Agency and Business Technologies, Inc.
  2. Pagkatapos ng aksidente, ipagbigay alam ang aksidente sa Claims Officer ng Agile. Maaaring tawagan ang Agile sa:

    JuanLife Claims Hotline: 02-8584-7598 or 0917-7062360

    Email: Claims@JuanLife.com.ph

    Facebook Messenger: @juanlifephilippinesofficial

  1. Hintayin ang sagot ng Agile sa loob ng 3 araw.
  2. Sagutin ang Claims Form na ibibigay at i-submit ang mga sumusunod na requirements sa Agile: Unit 2107 Antel Global Corporate Center, #3 Julia Vargas Avenue, Barangay San Antonio, Ortigas Center, Pasig City, Philippines 1605
ACCIDENTAL DEATH OR UNPROVOKED MURDER PERMANENT DISABLEMENT OR UNPROVOKED ASSAULTMEDICAL REIMBURSEMENT OR UNPROVOKED ASSAULT
Accomplished Claims FormAccomplished Claims FormAccomplished Claims Form
  1. Certified true copy of the insured’s Death Certificate
  1. Incident Report
  1. Incident Report
  1. Police Report or Notarized Affidavit stating facts of the accident
  1. Medical Report
  1. Medical Report
  1. Photocopy of the claimant’s valid ID
  1. Pictures of insured’s injury
  1. Original Receipts of medical expenses
  1. Medical Certificate
  1. Photocopy of the claimant’s valid ID
  1. Photocopy of the claimant’s valid ID.
  1. Birth Certificate of the insured.
  1. Official Receipt of funeral and burial services
  1. Other documents that may be deemed necessary by the adjuster.
  1. Kapag nasubmit ng claimant ang lahat ng required at valid documents, matatanggap niya ang kanyang benepisyo within the processing period.
    • Medical Reimbursement – within ten (10) working days
    • Permanent Disablement – within ten (10) working days
    • Accidental Death – within twenty (20) working days
    • Unprovoked Murder and/or Assault –  within twenty (20) working days
  2. Kung ang insured ay namatay sa aksidente, ang kanyang designated legal beneficiary ang makakatanggap ng benepisyo. Kung ang insured ay nakaranas ng kapansanan, ang benepisyo ay matatanggap ng insured.

  3. Ang policy na ito ay mapapawalang bisa kapag napatunayang ang claims at ang mga dokumentong isinumite ay hindi totoo o hindi legal.

    Para sa mga karagdagang tanong o impormasyon, maaaring tumawag sa 02-8584-7598 o mag-email sa claims@juanlife.com.ph. Upang mas mabilis na makatanggap ng sagot, mag-message during our business hours mula 9am hanggang 5pm.

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© JUANLIFE Personal Accident Insurance

2020, All Rights Reserved

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