GEOGRAPHICAL AREA OF COVERAGE – worldwide, 24 hours a day

COVERED PERSONS:

The insurance plan is primarily designed for persons aged 16 to 65 years old.

ACCIDENTAL DEATH & REIMBURSEMENT:

In case of accidental bodily injury that may result to loss of life, the policy pays the principal sum. In case of disablement, it provides a fixed amount based on a policy schedule.

MEDICAL EXPENSE BENEFIT:

If by reason of an injury, the insured shall require treatment by a legally qualified physician or surgeon, confinement in a hospital on the employment of a licensed or graduate nurse, the company will pay the actual expenses incurred for such treatment, hospital charges and nurses’ fees, but not to exceed the maximum amount payable as stated in the schedule as a result of any one accident.

BURIAL BENEFIT:

Pays a fixed amount as financial assistance in the event of death due to an accident.

UNPROVOKED MURDER AND ASSAULT:

When the insured is intentionally injured or killed by another, and the injury or death is not the result of his misconduct or provocation but is unforseen as far as he is concerned and occurs without his agency, the injury or death is an accident or caused by accidental means, within the content of a personal accident insurance policy.

CLASSIFICATIONS:

CLASS I - Persons/Employees whose place of work is mostly confined inside the office or workplace and not engaged in manual work.

Recommended for the welfare of: Executives, Office Employees, Accountants, Dentists, Teachers, and others with similar professions and occupations.

CLASS II - Persons/Employees whose nature of work requires slight manual work and/or occasional travel.

Recommended for the welfare of: Salesmen, Agents, Merchants, and others with similar professions and occupations.

CLASS III- Persons/Employees whose nature of work are mostly outside of the office or are mostly assigned in fieldwork.

Recommended for the welfare of: Engineers, Brokers, Butchers, and others with similar professions and occupations.

CLASS IV - Persons/Employees whose nature of work requires the handling or operating of machinery or equipment.

Recommended for the welfare of: Drivers, Carpenters, Laborers, Plumbers, and others with similar professions and occupations.