Benefits


Free eCommerce Purchase Protection

    Covers losses of up to USD200 per claim, per annum for non-delivery of items after 30 days of scheduled delivery, wrong or incomplete delivery, physical damage to the item.
     

Simple and convenient 

This new benefit provided by AIG Philippines Insurance, Inc. and sponsored by Visa requires no pre-registration of your card or purchases.

Program Information

All BDO Visa Platinum Credit Cards are eligible under eCommerce Purchase Protection, including supplementary cardholders on the same account.

BDO Visa Platinum Credit Cardholders are covered up to USD200 per claim and up to a limit of USD200 per annum.

You do not need to register to avail of this benefit. You are automatically covered as long you purchase the item using your eligible Visa card. You also do not register your online purchase to be covered.

Yes, purchases made overseas online sellers are covered as long as they are purchased with your eligible Visa card and the delivery address is within the country or territory where the card was issued.

No. Remember that to avail of this benefit, you need to use your BDO Visa Platinum Credit Card for the transaction.

 
  1. Log on to www.aig.com./visa/apac
    Coverage includes maximum of USD200 per claim, per annum for:
    • Non-delivery of item after 30 days of scheduled delivery
    • Wrong or incomplete delivery
    • Physical damage to the item
       
  2.  Submit requirements to APAC.visa@AIG.com
    Email the following within 30 days from incident :
    • Signed Claim form
    • Copy of Purchase Receipt
    • Shipment Tracking Number and Name of Courier
    • Copy of communication with seller
       
  3. Claim Insurance Benefit
    Claim will be credited to your nominated bank account within 7-9 banking days

Yes. In case you will need to file a claim later on, you will need to send in a copy of your receipt or invoice that clearly identifies the item and that the purchase was made using the Visa card. You shouldn’t worry, this is usually sent to your email address registered with the online seller. 

In the event your online purchase doesn’t arrive, the wrong item arrives or is damaged when it arrives, communicate with your seller to inform them of the situation. Normally, they should be able to offer a solution. In case they cannot, or would not, you can initiate a claim submission.
 

Visit www.aig.com/visa/apac to download a claim form. Read the instructions carefully, complete the form and send it to APAC.Visa@aig.com.
 
Once you have completed this form and gathered all supporting documents required, do remember that you will need to encrypt your files using tools like WinZip or similar tools prior to sending it to the claims servicing company via email using the address provided in the claim form. Also, remember to send the password to the encrypted file in a separate email.

Make sure you send the following documents with your completed claim form to ensure faster claims processing:
 
a. A signed claim form which can be downloaded via www.aig.com/visa/apac.
b. Copy of purchase receipt showing payment of the item was made entirely with the eligible card;
 
Note: AIG will only ask for a copy of your Statement of Account (SOA) if the purchase receipt does not provide evidence that the purchase was made using the eligible card. They will not ask for your SOA upfront due to data protection, as they do not want to receive your full credit card number.
 
c. Shipment tracking number and name of designated transportation company used for delivery of goods;
 
d. Copy of communication informing the seller of non-delivery, incomplete delivery and/or improper functioning due to damage of delivered item;
 
Please note that you may be required to send in the damaged item(s), at your expense, for further evaluation of the claim.

This will be credited to the bank details that you will nominate in the claim form. You will be asked for your Bank Name, Branch of Account, Account holder Name, and Bank Account Number.

We will endeavor to process your claim within 7-9 working days after you have submitted all the documents required.

Yes, you can claim multiple times within a 12-month period for as long as you have not fully consumed the per claim incident limit of $200 or the annual aggregate limit of $200.

E-Commerce Purchase Protection (eComm PP) benefit covers purchases that you make online using your Visa Platinum Credit Card in the event it doesn’t arrive, the wrong item arrives or is damaged when it arrives.

Visa, through AIG, will reimburse you the cost of your purchase up to USD200 if the online seller does not refund the cost of your purchase and you cannot recover your loss from any other source.

You can view or download your coverage terms and conditions www.aig.com/visa/apac.

  1. Only purchases using your BDO Visa Platinum Credit Card are covered
  2. Only purchases from legitimate online sellers are covered
  3. The delivery address must be in the same country or territory where your card was issued

Note: AIG can still process your claim even if the delivery address you indicated is not the address registered with BDO. AIG will verify the address with you.

  • Your package shipment must have a tracking number provided by the seller or courier
  • You must take all reasonable actions against the online seller to either replace the item you originally ordered or refund you the cost.

You can make your purchase from local or overseas online sellers. Most items that you purchase online are covered under this benefit. This includes electronics, gadgets, clothes, shoes, personal items. etc.

As is the case with any insurance benefit there are a number of exclusions or items that are not covered under eComm PP.

Most common exclusions
: consumable or perishable items, motor vehicles, permanent fixtures, cash, tickets of any kind, jewelry or art, plants or animals, fake goods, services provided via the internet, goods purchased for resale, illegal goods, etc.

Other Exclusions

AIG will not pay for any claim, expenses or loss in connection with
  • lawful confiscation by the Police, Government Agencies, Courts or other government authorities;
  • any fraudulent or willful act by Your or;
  • any motor vehicle, airplanes, boats, automobiles and motorcycles and
  • any equipment, including parts or accessories necessary for its operation and/or maintenance.
AIG will not be liable to pay any claim for losses in connection with
  • animals or plants;
  • cash, bullion, negotiable instruments, shares, traveler’s checks, or tickets of any description (including but not limited to tickets for sporting and entertainment events, and travel);
  • consumable or perishable items (including but not limited to food, flowers, drink, drugs, nutrition supplements);
  • Goods purchased for commercial use including items purchased for resale or tools of trade or profession;
  • access to internet websites, software or data files downloaded from the internet including music files, photos, reading material, books and movies;
  • services provided via the Internet such as cinema tickets, air tickets, hotel bookings, car rental, financial advice;
  • Goods purchased from a natural person either through a private transaction or an online auction website;
  • counterfeit or fake goods;
  • loss or damage due to a natural catastrophe, atmospheric or climatic conditions, wear and tear, depreciation, gradual deterioration, water, pollution or contamination of any kind, manufacturing defects or inherent vice, vermin, insects, termites, mold, wet or dry rot, bacteria, rust, cleaning, servicing, maintenance, adjustment or repairs;
  • losses due to mechanical failure, electrical failure; software or data failure;
  • loss of data;
  • Goods purchased for resale or items which are used goods, damaged goods or second-hand goods at the time of purchase;
  • permanent household and/or business fixtures, including but not limited to carpeting, flooring and/or tiling, air conditioners, refrigerators, or heaters;
  • items that You have rented or leased;
  • items that were, at the time of purchase, used, rebuilt, refurbished, or remanufactured
  • art, antiques, firearms and Collectible items;
  • furs, watches, jewelry, gems, precious stones and articles made of or containing gold (or other precious metals and/or precious stones);
  • the costs or charges which do not relate to any purchase, which You paid for using Your Eligible Card; or
  • Goods deemed to be illegal by local government authorities.
Refer to www.aig.com/visa/apac for updates.

Contact us

BDO Corporate Center

BDO Corporate Center:

7899 Makati Avenue Makati City 0726, Philippines Trunkline: (+632) 8840-7000

BDO Corporate Center

BDO Contact Center:

Hotline: (+632) 8888-0000

Outside Metro Manila

(PLDT/Globelines): #8888-0000

(For landline only, press # followed by 8888-0000)
 

International Toll-Free:

(IAC)+800-8-CALLBDO (2255-236)

(See list of IAC here)

BDO Corporate Center

callcenter@bdo.com.ph

This channel is dedicated to handling online banking enrollment and/or updating of registered online banking contact information of overseas clients. For phishing reports, please send the email to reportphish@bdo.com.ph.