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The Company shall not pay under any section of this Policy for loss, Injury, damage or liability suffered and/or sustained by or arising directly or indirectly as a result of or in connection with:

1. War, Civil War, invasion, insurrection, revolution, use of military power or usurpation of government or military power, direct participation in strike, riot and civil commotion;
2. Nuclear risks of any nature; biological, chemical, radioactive, nuclear pollution or contamination exposure;
3. Any prohibition or regulations by any government, confiscation, detention, destruction by customs or other authorities;
4. An Insured Person who is a Terrorist or a Member of a Terrorist Organization;
5. Commission of any illegal or unlawful act by the Insured Person;
6. An Insured Person not taking all reasonable efforts to avoid Injury or to minimize any claim under this Policy;
7. Riding or driving in any kind of motor racing competition, engaging in a professional capacity in any sport where an Insured Person would or could earn income or remuneration from engaging in such sport as a source of income;
8. Any loss which is connected with the effects of alcohol or drugs other than those prescribed by a Qualified Medical Practitioner;
9. Suicide or attempted suicide or intentional self-injury, or self-exposure to needless peril;
10. Any medical treatment received in the course of a Trip which was made for the purpose of receiving medical treatment (need not be the sole purpose); or the Trip was undertaken while the Insured Person was unfit to travel or against the advice of a Qualified Medical Practitioner;
11. Any Pre-existing Condition, cosmetic, plastic or any elective surgery, surgical or non-surgical treatment of obesity (including morbid obesity) or weight control programs, congenital or heredity disease or defect, congenital anomalies or any complications or conditions arising therefrom;
12. Health check-ups or any investigation(s) not directly related to admission diagnosis, sickness or injury, or any treatment or investigation which is not medically necessary;
13. Insured Person’s expenses incurred relating to the cost of prosthesis, contact lens, hearing aids, dentures and other medical equipment; or any expenses incurred relating to dental or optical treatment unless such costs are necessarily incurred due to an Accident;
14. Psychosis, sleep disturbance disorder, mental or nervous disorders, pregnancy, miscarriage or childbirth;
15. Any Injury or Sickness commencing in the presence of a zero positive test for sexually transmitted disease;
16. An Insured Person engaging in naval, military or air force service or operations; armed force service;
17. Piloting or serving as a crewmember or riding in any aircraft except as a fare paying passenger on a regularly scheduled airline;
18. Any loss which occurs while the Insured Person is in any country whereby the provision of insurance or payment for a loss or claim would be prohibited by the U.S. economic or trade sanctions laws, regulations or designations;
19. Notwithstanding any provision to the contrary, this Policy is not liable for and excludes any loss, damage, liability, expense, fines, penalties or any other amount directly caused by or arising out of any of the following:

    a. Any Infectious Disease, virus, bacterium or other microorganism (whether asymptomatic or not); or

    b. Severe acute respiratory syndrome Coronavirus 2 (SARS-CoV-2) or Coronavirus disease (COVID-19), including any mutation or variation thereof; or

    c. Pandemic or epidemic, as declared as such by the World Health Organization or any governmental authority; or

    d. Any side effect or complications arising from a vaccination against COVID-19.

    If We allege that, by reason of this exclusion, any amount is not covered by this Policy, the burden of proving the contrary shall rest on the Insured Person;

20. No reimbursement of fees, deposits and/or any loss arising from inappropriate travel documentation requirements such as, but not limited to, late release of visas, refusal of entry by the government of destination, or refusal to depart from the originating city because of inappropriate travel documentation; or
21. Any loss arising from the rejection by any government immigration authorities whether departing or arriving at any particular country.

It is a FREE travel insurance for qualified cardholders who use any of their qualified Security Bank credit cards to fully pay their entire or round-trip transportation expenses such as airline tickets and other means of public transport for a travel abroad. The maximum number of days covered per Trip is 90 days.

All active and current Principal and Supplementary Platinum, World and Corporate cardholders with good credit standing.

A cardholder may request a Confirmation of Cover (COC) document prior departure which contains the Schedule of Benefits. Cardholders must contact Starr’s Customer Service Team to get a copy of COC. We will require submission of proof of purchase of airline tickets using the card which will be verified by Security Bank and once confirmed, a COC will be issued.

Cardholders may call or email us through the following:

Customer Service
Travel NAC Hotline: (632) 8689 6633
e-mail: [email protected]

Please allow Starr and Security Bank to process the COC within 3 to 5 working days.

No. It is FREE. As long as you have used your qualified Security Bank credit card to pay for your airfare.

The coverage for Accidental Death & Disablement starts 7 hours before the scheduled departure time and ends 7 hours after the arrival time in the Philippines. Coverage begins upon clearance at Philippine immigration and ceases upon return to Philippine immigration for international trips.

Time of Notice of Claim

within 30 days from date of accident, except for Death which should be notified to us immediately or at least within 15 days.

Time for Filing Proof of Loss

Proof of Loss must be submitted to us within 90 days from date of accident; You may submit your Claim with supporting documents through our eClaims platform. Kindly visit our website at https://www.starrinsurance.com.ph/claim

For Claims Queries
e-Mail Address: [email protected]

Claims Hotline: (+632) 8689 6639

Standard Documentary Requirements (All Types of Claims):
1. Copy of Passport showing ID Page and Visa Page (if applicable);
2. e-ticket or Airline Ticket (original flight schedule) and proof of purchase using credit card;
3. Proof of Relationship to Insured (if Insured is a Minor)

In Addition to Standard Documentary Requirements, please provide the following depending on type of claim:

Accidental Death
1. Incident Report;
2. Medical specialist report certifying death &/or Incident Report issued by the competent authorities with findings on the alleged accident;
3. Original or Certified true copy of death certificate;
4. Proof of beneficiary – PSA Certified Birth Certificate/Marriage Certificate/ CENOMAR with two (2) valid IDs of the beneficiary;
5. For minor beneficiary – Copy of grant of guardianship, if applicable.

Disablement due to Accident, Medical Expenses

1. Original copy of Medical Certificate;
2. Original copy of all hospital bill, statement of account, invoices and receipts/proof of payments
3. All hospital & medical records detailing the diagnosis and treatment received;
4. Medical specialist report on sustained permanent disability
5. Incident Report issued by the competent authorities with findings on the alleged accident;
6. Photograph of insured (in amputation/disability cases for benefit computation).

Flight Delay / Travel Reroute
1. Certification from Airline indicating reason of delay/cancellation of flight; must contain flight details and passengers affected;
2. Original Boarding Pass and/or Passport pages with exit & entry dates and/or Airline ticket for actual flight taken;
3. Original copy of Official Receipts for hotel accommodation and meals
4. For Travel Reroute – Original copy of Official Receipts for additional traveling expenses

Baggage Delay
1. Property Irregularity Report or Written Report from the Airline or Common Carrier;
2. IMPORTANT: Delivery Receipt / document showing place, date and time the baggage was received and by whom;
3. Original copy of Receipts for the purchase of essential clothing and toiletries

Loss or Damage to Baggage

1. Property Irregularity Report from the Airline or Common Carrier or Police Report with details of the damaged/lost items secured/ obtained within 24 hours from date & time of incident;
2. Certification from Airline or Common Carrier that the Insured has not received any compensation for the damaged items;
3. Photographs taken of the damaged item(s); showing full picture, brand, damaged parts
4. Original copy of Receipts for the repair expenses of damaged luggage
5. Original copy of purchase invoice of lost or damaged item(s) – if available

Loss of Travel Documents / Loss of Credit Card

1. Police Report indicating the items lost and executed in the area where the lost occurred, it must be lost due to theft, robbery or burglary;
2. For Document Loss, Official receipts for replacement of passport and other travel documents, additional travel and accommodation expenses;
3. For unauthorized use of credit card after the loss, please submit a certification that the incident was reported to the credit card company and the statement of account showing the unauthorized purchases

Trip Cancellation & Trip Termination

1. Original copy of proof of payment and booking confirmation for travel fare, land arrangements and hotel accommodation expenses;
2. Certification from airline &/or hotel stating that the ticket / reservation was cancelled/not used and the amount refunded/not refunded/charges incurred by the insured;
3. All hospital & medical records detailing the admitting and final diagnosis and treatment received; Medical Certificate (if reason is serious injury or sickness of the Insured or immediate family member, travel companion or copartner)
4. Certificate/Proof of Relationship with the person who caused the cancellation/curtailment (immediate family member, travel companion, copartner);
5. Airline Ticket for Actual Flight
6. Formal written letter from competent authorities certifying the occurrence of the incident and/or court summons;

Personal Liability

1. Police Report executed in the area where the incident happened;
2. Proof of identification of third party involved, i.e. copy of passport, driver’s license, etc.;
3. Proof of amount of damages incurred or costs of medical expenses incurred by third party, (i.e. repair receipt, medical receipts, etc.);
4. Legal document establishing liability against the insured;
5. Proof of legal costs incurred.

Rental Vehicle Excess
1. Police Report executed in the area where the incident happened;
2. Rental vehicle agreement;
3. Copy of Driver’s license;
4. Copy of Letter of Authority to Repair with breakdown of charges;
5. Proof of payment.

Claims are processed upon submission of complete requirements. Settlement timelines are subject to policy terms and regulatory requirements.

No. All pre-existing medical condition are not covered by the coverage.

Yes, but please note that in the event that an Insured Person becomes entitled to a refund of all or part of any of the expenses from any other source (e.g. other insurance policies, third parties and the like), Starr will only be liable for the excess of the amount recoverable from such other source.