CARDS

CLASSIC

ELITE

TERMS & CONDITIONS

  1. Insured shall be the registered applicant for JuanLife Personal Accident Insurance.
  2. Insured should be a Filipino citizen: (Classic) ages 7 to 60 years old, (Elite) 18 to 60 years old.
  3. Each Regular Loyalty Card Holder can choose to upgrade and be covered up to P1,000,000 per insured.
  4. The JuanLife Personal Accident Insurance is valid for three (3) years (Classic) and 1 year (Elite) from date of activation. No premium refund is to be given.
  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.
  1. Coverage are Accidental Death, Permanent Disablement and Medical Reimbursement only (Classic) with Unprovoked Murder and/or Assault and Burial Assistance (for Elite).
  2. The Medical Reimbursement benefit covers medical expenses with supporting receipts related to accidents covered under the JuanLife Personal Accident Policy. This benefit can only be claimed once during the year of coverage.
  3. Accidents that happened in other countries are covered.
  4. In cases of multiple claims, the maximum amount shall be the coverage for accidental death.
  5. In cases of multiple claims, the maximum amount shall be the coverage for accidental death.
  6. The benefit of the Insured who are engaged in hazardous occupations listed below shall be reduced to 10% of each coverage amount should the accident happen during the time or performance of their job or duty as such.

INCLUSIONS & EXCLUSIONS

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



List of Hazardous Jobs

  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.

Insurance Conditions

  1. The insurance is not transferable.
  2. The insurance is non-refundable for cases when the insured dies on the 1st and 2nd year of the coverage period. The premium for the remaining years is not refundable.

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.
  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.

Claims Requirements

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