Any individual from 40 years old up to 75 years old at the time of enrollment, and it is renewable up to 80 years old.

ACCIDENTAL DEATH AND TOTAL DISABLEMENT BENEFIT

If the Insured Person sustains accidental bodily injury resulting in their demise or complete and permanent incapacitation within one-hundred and eighty (180) days from the accident date, the insurance partner will disburse the Personal Accident Benefit amount as indicated in the Policy Schedule.

DISMEMBERMENT AND PERMANENT TOTAL DISABILITY BENEFIT

The insurance partner shall indemnify the specified amounts outlined, not surpassing 100% of the designated Principal Sum as indicated in the Policy Schedule, irrespective of the varying losses sustained by the Insured Person. Please refer to the Terms & Conditions for the Table of Indemnities

DAILY HOSPITAL CASH ASSISTANCE

If, as a result of “Accident Bodily Injury” or “Sickness”, an Insured Person is necessarily Confined within a Hospital as an In-patient under the care of a legally qualified and registered Physician other than the Insured Person, insurance partner will pay the Daily Benefit stated in the Policy Schedule for each Full Day of Hospital Confinement, beginning on the first day of such Confinement but not to exceed 30 days per accident/illness, per confinement and maximum of 180 days per policy year.

ADDITIONAL CASH ASSISTANCE FOR ICU

In addition to the Daily Hospital Cash Assistance Benefit, should hospitalization due to bodily injury or sickness necessitate confinement in the Hospital’s Intensive Care Unit (ICU), insurance partner will provide the Additional Hospital Cash Assistance Benefit as specified in the Policy Schedule for each complete day of hospitalization. This coverage commences on the initial day of confinement and is limited to a maximum of 30 days per accident/illness, per confinement, and up to a total of 180 days per policy year.

SURGICAL CASH BENEFIT

Pays a lump sum benefit up to the limit specified in the policy schedule for every covered surgery due to accident or illness.

Below is the list of pre-existing conditions that are not covered in this plan. Pre-existing conditions that are not included in the list can be covered after twelve (12) months or one (1) year of continuous payment.

• Malignant tumors of the internal organs, skin, breasts, and muscular tissues
• All cancers
• Aneurysm
• Rheumatic Heart Disease
• Hypertensive Coronary Heart Disease
• Liver Cirrhosis
• Chronic Obstructive Lung Disease
• Cerebro-Vascular Accidents secondary to hemorrhage or thrombosis
• Tuberculosis
• Endocrine Disorders such as:
• Endocrine gland hyposecretion (leading to hormone deficiency)
• ii. Endocrine gland hypersecretion (leading to hormone excess)
• Amyotrophic Lateral Sclerosis
• Aplastic Anemia and Leukemia
• Lupus Erythematosus
• Fulminant Viral Hepatitis
• Organ transplant recipients
• Parkinson's Disease
• Kidney and Liver Failure
• Motor Neuron Disease
• Poliomyelitis
• Progressive Bulbar Palsy
• Progressive Muscular Atrophy
• Terminal illness which in the opinion of an appropriate medical consultant is irreversible
  

Yes, the plan will cover the insured’s hospitalization expenses and surgical procedures due to accidents and covered illnesses.

Unfortunately, outpatient check-ups and diagnostic tests are not covered in this plan since this only covers hospitalization and surgical procedures of the insured.

No, pregnancy, childbirth, and related complications are excluded.

Provide written notice of the claim to the insurer within thirty (30) days of the occurrence. Submit proof of loss and any required documentation or contact BDO Insure hotline at (+632) 8838-BDOI or email bdo-insure@bdo.com.ph