Free Travel Insurance

Explore the world and enjoy your vacation with coverage on your travel activities. Free with Security Bank Platinum & World Credit Cards.

Travel Without Worries

Accidents, cancelled flights, baggage loss-You shouldn’t be bothered by all the things that could go wrong during your trip. And with Security Bank, you don’t have to be. Using your Security Bank Platinum or WorldMasterCard Credit Card to pay for your travel fare gets you FREE travel insurance.

It’s the best way to have peace of mind so you can enjoy your well-deserved vacation. Travel insurance gets you coverage for the most common travel mishaps, not just for you but for eligible family members as well.

Free with Security Bank Platinum and World credit cards.

Coverage for a maximum of 30 days at 100% benefits.

Coverage for cardholders and eligible family members.

Coverage limit of up to P10MM, depending on type of hazard.

Enjoy your vacation with coverage on the following:

Travel Accidents

Be protected from your trip’s unexpected twists and turns.

Loss/Damage to Baggage

Have peace of mind when travelling by insuring your belongings.

Flight Delay

Get coverage if your scheduled flight is delayed or cancelled and no alternative onward transportation is made available within 8 hours after the scheduled flight departure.

Personal Damages

Receive compensation for any accidental injury, death, loss of or damage to property.

Medical Expenses

Get reimbursed for any medical expenses while you’re overseas.

Baggage Delay

Get coverage for check-in flight baggage delays up to 6 hours after your arrival.

Flight Reroute

Get covered for any flight reroutes as a result of flight delay.

Damages on Rented Vehicle

Be insured for vehicles that are stolen, damage, or involved in an accident during your trip.

Ready to experience premium?

Credit Card Promos

Table of Benefits
Schedule of Benefits
Coverage Limits Per Card Type
Benefits Corporate MasterCard Platinum MasterCard / World MasterCard
A. Travel Accident Insurance Accidental Death & Dismemberment
– Card Holder P5,000,000 P10,000,000
– Spouse (Up to 75 years old) P2,500,000 P5,000,000
– Children (Up to 18 years old) P250,000 P500,000
B. Travel Convenience 
Flight Delay (Maximum of 8 payments) Up to P1,500 per 8 hours Up to P1,500 per 8 hours
Baggage Delay (Maximum of 8 payments) Up to P1,500 per 8 hours Up to P1,500 per 8 hours
Loss / Damage to Baggage (Up to P 5,000 / item) Up to P30,000 Up to P30,000
Medical Expense Reimbursement Up to P10,000 Up to P15,000
Flight Re-route – reimburses additional travel expenses incurred for re-routing if the common carrier is cancelled or delayed for over 12 hours due to covered reasons. Up to P50,000 Up to P50,000
Personal Liability – pays for leal cost in respect of accidental bodily injury or property damage to third parties due to negligence. P2,500,000 P2,500,000
Rental Vehicle Excess – reimburses the excess of the rented vehicle insurance, in case the rented vehicle is damaged or involved in a collision. Up to P20,000 Up to P30,000
Terms and Conditions
  1. TRAVEL INSURANCE COVERAGE
    • DEFINITIONS
      • Definitions under this Agreement:
        1. “Insured Person” shall mean the Security Bank Credit Cardholders and Family members up to age 75 as defined herein.
        2. “Family Members” shall mean the Insured’s legal spouse up to 75 years old and all accompanied children up to 18 years old.
        3. “Security Bank Credit Cardholders” shall mean the holder of a valid unexpired Security Bank principal or supplementary Credit Card under any electronic Card brand such Security Bank MasterCard issued by the Policyholder in the Philippines and who at the time of a covered claim or loss is still an active Cardholder.
        4. “Program” shall mean the insurance program secured by the Policyholder for its Security Bank Credit Cardholders wherein the Company is the insurer.
        5. “Policy” shall mean the (Philippine) Insurance Commission-approved policy to be used in the Program. A copy of which is attached hereto as Annex “A” and forming an integral part of this Agreement.
        6. “Scheduled Flight” shall mean a flight in an aircraft operated by an air carrier provided that such air carrier holds a certificate, license, or similar authorization for scheduled air transportation for fare-paying passengers issued by the relevant authorities in the country in which the aircraft registered and in accordance with such authorization, maintains and publishes schedules and tariffs for passenger service between named airports at regular specific time.
          Such Scheduled Flight is regularly and continually flown on routes and at the times as published in the ABC World Airways Guide as amended from time to time.
          Departure times, transfers and destination points shall be established by reference to the Insured Person’s Scheduled Flight ticket.
        7. “Public Conveyance” shall mean any land or water conveyance, which is duly licensed for the regular transportation of fare-paying passengers and shall include Scheduled Flight as defined herein but shall exclude any hired or rental car or any conveyance operated for the purpose of amusement or entertainment. For the avoidance of any doubt, travel via cruise ship shall be covered by the Program and shall not be considered as “conveyance operated for purposes of amusement or entertainment”.
      • Definitions under the Insurance Policy
        1. “Injury” whenever used in this Policy shall mean bodily Injury sustained by the Insured Person during the Period of Insurance and is caused solely and directly by an Accident independently of any other causes.
        2. “Accident” means a sudden, unforeseen and fortuitous event that results in the Insured Person suffering Death or Injury.
        3. “Overseas Trip” shall mean travel undertaken by the Insured Person up to thirty (30) consecutive days from the date of departure from the Philippines for International Cards, Platinum, Premiere, Corporate and World Cards, until his/her return to the Philippines.
        4. “Usual, Customary and Reasonable Medically Necessary Expenses” shall mean a charge which is made for treatment, supplies or medical services medically necessary to treat the Insured Person’s condition; does not exceed the usual level of charges for similar treatment, supplies or medical services in the locality where the expenses is incurred; and does not include charges that would not have been made if no insurance existed.
        5. “Medically Necessary Expenses” means expenses incurred as a result of Injury or Sickness sustained while on board a scheduled flight or public conveyance when taking Overseas Trip and paid by the Insured Person to a legally Qualified Medical Practitioner, Hospital and/or ambulance service for medical, surgical, X-ray, Hospital or nursing treatment including the cost of medical supplies and ambulance hire and including the cost of dental treatment where such treatment is necessarily incurred to restore sound and natural teeth, caused only by an Accident. All treatment must be prescribed by a Qualified Medical Practitioner in order for expenses to be reimbursed under this Policy.
        6. “Sickness or Disease” shall mean noticeable change in the physical health of an Insured occurring during the Overseas Trip which requires the Insured to seek care of a Medical Practitioner acting within the scope of his/her license to treat Sickness for which the claim is made provided the nature of illness is not excluded from the Policy.
        7. “Hospital or Hospitalization” shall mean Hospital (other than an institution for the aged, chronically ill or convalescent rest or nursing home and/drug or alcohol rehabilitation facilities) operated pursuant to law for the care and treatment of injured or sick persons with organized facilities for diagnosis and surgery and having 24-hour nursing service and medical supervision.
        8. “Qualified Medical Practitioner” shall mean a registered and qualified medical practitioner licensed under applicable laws and acting within the scope of his/her license and training. The attending Qualified Medical Practitioner shall not be the Insured Person, the Insured Person’s spouse, a person booked to accompany the Insured Person on the Overseas Trip, or a person who is related to the Insured Person.
        9. “Pre-existing Condition” shall mean any condition for which the Insured Person received medical care, treatment, advice for treatment, diagnoses, consultation or prescribed drugs within ninety (90) days preceding the date that the Insured Person became insured under this Policy, or a condition for which medical advice or treatment was recommended by a Qualified Medical Practitioner within ninety (90) days preceding the date that the Insured Person became insured under this Policy.
        10. “Air Common Carrier” means any air conveyance operating under a license for the transportation of passengers for hire.
        11. “Additional Expenses” means any expenses for meals and lodging which were necessarily incurred as the result of a covered hazard and which were not provided by the air common carrier or any other party.
        12. “Inclement Weather” means any severe weather condition, which delays the scheduled arrival or departure of an air common carrier.
        13. “Strike” means any labor disagreement or dispute, which interferes with the normal departure and arrival of an air common carrier.
        14. “Equipment Failure” means any sudden and unforeseen breakdown in the air common carrier’s equipment that caused a delay interruption of normal trips.
  2. OPERATION OF INSURANCE COVERAGEThis insurance for the Insured Person shall operate only when he/she is taking a trip abroad during the Period of Insurance, provided that the entire fare has been fully paid through the Security Bank Credit Card. In the event that the Cardholder suffers a loss while on board a scheduled airline flight in which the airline sells tickets on-board the flight and the Insured has not purchased his/her ticket by charging it in advance to a Security Bank Credit Card prior to boarding the flight, the Company will evaluate such loss and settle the claim if it can be established that no other form of payment was used for the flight in question.International travel is covered for a maximum duration of thirty (30) days at 100% of the benefits for International Cards, Platinum, Premiere, Corporate and World Cards.
  3. DECLARATION and POLICY TERMS AND CONDITIONS
    1. Name of PolicyholderSecurity Bank for and in behalf of its International, Platinum, Premiere, Corporate and World Credit Cardholders (hereinafter referred to as “Security Bank / “Policyholder”) on the lives of their eligible principal and supplementary Credit Cardholders and their spouse and dependent children.
    2. The Insured Persons
      1. For Travel Accident and Dismemberment The Insured Persons are the eligible Security Bank Credit Cardholders and their Family Members who travel as passengers on land, sea or air common carrier, provided their fares or tickets are purchased using his/her Security Bank Credit Cards.
      2. For Medical Expense Reimbursement, Loss/Damage to Baggage, Baggage Delay and Flight Delay The Insured Persons are the eligible Security Bank Credit Cardholders and their Family Members who travel as passengers on land, sea or air common carrier, provided the entire fare for the travel has been paid through his/her Security Bank Credit Card.
      3. For Flight Re-route, Personal Liability and Rental Vehicle Excess The Insured Persons are the eligible Security Bank Credit Cardholders and their Family Members who travel as passengers on land, sea or air common carrier, provided the entire fare for the travel has been paid through his/her Security Bank Credit Card.
    3. Description of Hazards:
      1. For Travel Accident and DismembermentWhen as a result of an Accident occurring between the Departure and the Return Dates, the Insured Person sustains Injury which results in his/her death or dismemberment, the Company will pay to his/her beneficiaries the amount as provided in the Benefits Tables below provided that:
        1. such loss occurs within one hundred eighty (180) days after the date of accident causing such loss;
        2. the indemnity payable for any such loss shall be the amount stipulated under the Table of Losses and the Principal Sum stated therein shall be the amount stated as Principal Sum under the Schedule of Benefits as applicable to such person; and
        3. if more than one loss stated in the Table of Losses is sustained as a result of one accident, the Company shall only be liable to pay one loss, which shall be the largest amount payable.

        TABLE OF LOSSES

        Description of Loss Indemnity
        For Loss Of Life . . . . . Principal Sum
        Both Hands/Both Feet/Sight of Both Eyes . . Principal Sum
        One hand and One Foot . . . . Principal Sum
        Either Hand/Foot or Sight of One Eye. . Principal Sum
        Either Hand or Foot . . . . . One Half of the Principal Sum
        Sight of One Eye . . . . . One Half of the Principal Sum

        The term “loss” as used herein shall mean with regard to hands and feet, actual severance through or above wrist or ankle joints, and with regard to eyes, entire irrecoverable loss of sight.

        Disappearance

        If the body of an Insured Person has not been found within one (1) year of the disappearance, forced landing, stranding, sinking or wrecking of a conveyance in which such person was an occupant, then it shall be deemed, subject to all other terms and provisions of the Policy, that such Insured Person shall have suffered loss of life within the meaning of the Policy.

        Exclusions:

        The policy does not cover any accidental injury:

        1. occasioned by Civil or Foreign war whether declared or not;
        2. caused by the absorption by the Insured Person of any drugs, medication, or treatments not prescribed by a Physician;
        3. caused by the influence of alcohol characterized by a blood alcohol level of the Insured Person equal or superior to that fixed by the laws regulating the use of automobiles;
        4. occasioned by the suicide, attempted suicide or intentionally self-inflicted injury by the Insured Person
        5. sickness or disease of any kind

        Also excluded are all accidental bodily injuries occurring in the following circumstances:

        1. during the Insured Person’s participation in any professional sports;
        2. while the Insured Person participates in any competition involving the use of a motorized land, water or air vehicle;
        3. consequent on the Insured Person riding or driving a motorcycle or motor scooter with an engine displacement over 125cm3;
        4. when the Insured Person is flying as a fare-paying passenger in or on any aircraft that does not belong to an airline company not duly registered and agreed for the transport of fare-paying passengers on any regular and published schedule routes. Flying using privately-owned aircrafts are not covered;
        5. during active service of the Insured Person in any of the armed forces of any nation;
        6. the participation of the Insured Person in a criminal act;
        7. during the practice or utilization by the Insured Person, either as a pilot or passenger, of a sailplane, hanglider, parasail, parachute, or engaging in any aerial flight other than as a passenger.
      2. For Medical Expense ReimbursementThe Company will reimburse the Usual Customary and Reasonable Medically Necessary Expenses as defined, incurred up to the maximum benefit level stated in the Schedule of Benefits on an Overseas Trip for Injury or Sickness suffered by the Insured Person, solely and independently of any other causes.In the event an Insured Person becomes entitled to a refund of all or part of any of the expenses from any other source, the Company will only be liable for the excess of the amount recoverable from such other source. All reimbursement of such expenses shall be in accordance to the prevailing laws, rules and regulations of the Philippines.Exclusions:No benefits will be provided for any loss resulting (in whole or in part) from:
        1. pregnancy and its complications;
        2. illness or disorders of a psychological nature, nervous depressions, mental illness, sexually transmitted diseases, AIDS, HIV infections and AIDS related infections;
        3. suicide, attempted suicide, or intentionally self-inflicted injury;
        4. periodic control and observation examinations;
        5. failure to obtain Philippine government required vaccinations before departure;
        6. alcohol or drug abuse;
        7. any cancellations resulting from Civil or Foreign war, riots, popular movements, any pre-existing conditions, terrorist acts, any effect of a source of radioactivity, epidemics, pollution, natural catastrophes and climatic events.
        8. any Overseas Trip undertaken against the advice of a Qualified Medical Practitioner or when the purpose of such Trip was to obtain any form of medical treatment, consultation or advice.
      3. For Loss of / Damage to Baggage InsuranceUnder this section, the Company shall pay the Insured Person up to the limit stated in the Schedule of Benefits for loss or damage to the Insured Person’s Baggage during the period in the common carrier.
        1. Loss must occur as a result of the theft of the baggage or the personal effects from the Insured Person provided that such loss must be reported to the police having jurisdiction at the place of the loss no more than twenty-four (24) hours from the incident. Any claim must be accompanied by written documentation from such police;
        2. The Company may make payment or at its option, reinstate or repair as it may select in respect of articles not older than one (1) year;
        3. The Company may make payment or, at its option, reinstate or repair subject to due allowance of wear and tear and depreciation in respect of articles more than one year old;
        4. Insured Person cannot claim from under both benefits of the Loss and Damage to Baggage and Baggage Delay for the same loss.

        Exclusions

        Benefits will not be provided for any loss, theft or damage to:

        1. animals;
        2. documents, identity papers, credit and payment cards, transport tickets, cash, traveler’s checks, stocks and securities, jewelry ;
        3. keys;
        4. skis, bicycles, sailboards, golf clubs, tennis rackets and other sporting equipment except while checked as baggage with a registered common carrier;
        5. automobiles and automobile equipment, motorcycles, trailers and caravans, boats, motors and other means of transport (including accessories);
        6. equipment for professional use;
        7. musical instruments, objects of art, antiques, collector’s items, furniture;
        8. eye glasses, contact lenses, hearing aids, prosthetic limbs, artificial teeth or dental bridges;
        9. perishables and consumables;
        10. baggage sent in advance or souvenirs and articles mailed or shipped separately;
        11. hired or leased equipment;
        12. business goods or samples;
        13. data recorded on tapes, cards, disc or otherwise.

        Benefits will not be provided for any loss resulting in whole or in part from:

        1. wear and tear or gradual deterioration;
        2. insects or vermin;
        3. inherent vice or damage;
        4. confiscation or expropriation by order of any government or public authority;
        5. seizure of destruction under quarantine or custom regulation;
        6. transporting contraband or illegal trade;
        7. mysterious disappearance;
        8. breakage of brittle or fragile articles, cameras, computers (including softwares and accessories), musical instruments, radios, and similar property.
      4. Baggage Delay InsuranceIf the Insured Person’s accompanied check-in flight luggage is not delivered to him/her or has not arrived at the destination airport within six (6) hours of the Insured Person’s actual arrival at the scheduled destination point of his Scheduled Flight, the company will indemnify the actual additional expenses necessarily and reasonably incurred within two (2) days at such scheduled destination for emergency purchase of essential clothing and requisites, up to the maximum limits as specified in the Schedule provided that such luggage has been checked-in by an authorized official or the air carrier with which the Insured Person was traveling at the time of the occurrence.Such Insurance as is afforded an Insured Person shall apply only to the following hazards:
        1. any delay or cancellation by an air common carrier caused by inclement weather;
        2. any delay or cancellation due to a strike or other job action by employees of any air common carrier scheduled to be used by the Insured Person during his/her trip;
        3. any delay or cancellation caused by equipment failure of an air common carrier;
        4. any delay caused by mishandling of Luggage on the part of the air common carrier.
      5. Flight DelayIn the event that the Insured Person’s confirmed Schedule Flight is delayed or cancelled and no alternative onward transportation is made available to the Insured Person within six (6) hours of the actual departure time of this Scheduled Flight, the Company will indemnify the actual additional expenses necessarily and reasonably incurred for the hotel accommodation and restaurant meals and refreshments, up to the maximum limits as specified in the Schedule, provided the Insured Person shall be at the airport at the time of such flight delay.
      6. Flight RerouteIf as a result of the Flight delay, the Common Carrier is cancelled or delayed for over twelve (12) hours from the time specified in the original itinerary, The Company shall indemnify an Insured Person in respect of additional travelling expenses necessarily incurred for re-routing his/her itinerary to reach the original destination subject to the maximum benefit stated in the Schedule.
      7. Personal LiabilityThe Company shall indemnify the Insured Person for any legal costs incurred under any of the following circumstances due to his/her negligence in the course of a Trip subject to the maximum benefit stated in the Schedule on the condition that the Insured Person does not offer or promise payment or admit fault to any other third party, and/or become involved in any litigation without The Company’s written approval:
        1. Accidental death or Injury to any person; or
        2. Accidental loss of or damage to the property of any person.

        The Company shall not be liable for the following:

        1. Damage to the property of or to any person who is an Immediate Family Member or the employer of the Insured Person;
        2. Damage to property which belongs to the Insured Person or is in his/her care, custody or control;
        3. Damage relating to any liability assumed by the Insured Person under contract;
        4. Damage relating to the willful, malicious, or unlawful act on the part of the Insured Person;
        5. The ownership, possession or use of vehicles, aircraft, watercraft, firearms or animals;
        6. The undertaking of any trade, business or profession;
        7. Any criminal proceedings; or
        8. Any liability which has been admitted or settled by the Insured Person.
      8. Rental Vehicle ExcessIf during the period of insurance the Insured Person hires a vehicle which is stolen, damaged or involved in a collision whilst driving or under the control of the Insured Person in the course of a Trip, The Company shall reimburse the Insured Person for the rental vehicle excess subject to the maximum benefit stated in the Schedule.PROVISIONS
        1. The Insured Person must take comprehensive motor vehicle insurance provided by the rental organization against any loss or damage to the rental vehicle during the rental period.
        2. The Insured Person must not violate any terms of the rental agreement or comprehensive motor vehicle insurance policy.
        3. The Insured Person must be liable for the loss or damage of the rental vehicle in the incident.
        4. The Insured Person must hold a valid driving license for the country in which the theft, damage or collision has occurred.
        5. Any illegal or unlawful use of the rental vehicle by the Insured Person is excluded.
        6. Any incident incurred while the rental vehicle is under the control of the Insured Person who is under the effects of alcohol or drugs are excluded.
        7. This benefit shall be payable once per Trip.
  4. SCHEDULE OF BENEFITSIn consideration of the payment of premium in the manner, and at the time stated in Part VI (Miscellaneous), respectively, the Company agrees with the Policyholder named in the Declarations to insure the eligible persons of the Policyholder (called, Insured Person [s]), to the extent herein provided and subject to all of the exceptions, limitations and provisions of the Policy.The insurance afforded hereunder is only with respect to such and so many of the Benefits as are indicated by a specific amount set below each such Benefit listed in this Schedule, and is only with respect to the Insured Person (s) as defined in the Policy to which this Schedule is below :
  5. GENERAL EXCLUSIONSThe Company will not pay under any section of this policy for loss or liability directly or indirectly arising as a result of:
    1. Loss of or damage resulting from willful, malicious or unlawful act or negligence of the Insured Person;
    2. Any act of war, act of a foreign enemy, civil war, invasion, and revolution, insurrection use of military power or usurpation of government or military power. War shall mean war, whether declared or not, any warlike activities including the use of military force by any sovereign nation to achieve economic, geographic, nationalistic, political, racial, religious or other ends;
    3. Any serious physical injury, Sickness or Disease resulting directly or indirectly from, attributed to, or accelerated by;
      • The use, release or escape of nuclear materials that directly or indirectly results in nuclear reaction, or radiation or radioactive contamination; or the dispersal or application of pathogenic or poisonous biological or chemical materials; or
      • The release of pathogenic or poisonous biological or chemical materials.
    4. For the purpose of this exclusion, serious physical injury means;
      • Physical injury that involves a substantial risk of death; or
      • Protracted and obvious physical disfigurement; or
      • Protracted loss of or impairment of the function of a bodily member or organ.
    5. Loss, destruction or damage to any property whatsoever or any loss or expense whatsoever arising there from or any consequential loss directly or indirectly caused or contributed to by or arising from ionizing radiation or contamination by radio-activity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel;
    6. Any illegal or unlawful act by the Insured Person or confiscation, detention, destruction by customs or other authorities;
    7. Any violation of the Insured Person of any prohibition or regulations by any government;
    8. Any breach of government regulation or any failure by the Insured Person to take reasonable precautions to avoid a claim under the Policy following the warning of any intended strike, riot or civil commotion through or by general mass media;
    9. The Insured Person not taking all reasonable efforts to safeguard his/her property or to avoid Injury or minimize any claim under the Policy;
    10. Hunting, riding or driving in any kind of race, participating in any professional sports or in any sport whereby the Insured Person would or could earn or receive remuneration, donation, sponsorship, award or certificate of any kind and air travel (other than as a fare-paying passenger in any properly licensed private and/or commercial aircraft or other mode of conveyance or transportation);
    11. Pregnancy or childbirth, and any Injury or Sickness associated with pregnancy, childbirth or venereal disease;
    12. Suicide or attempted suicide or intentional self-injury by the Insured Person while sane or while insane or provoked assault or intoxication or drugs;
    13. Mental and nervous disorders, including but not limited to insanity;
    14. Declared or undeclared war;
    15. Injury sustained in consequence of riding as a passenger or otherwise in any vehicle or device of aerial navigation, except as provided in ‘Operation of Insurance Coverage’, Section II.
    16. The Insured Person employed on merchant vessels, engaging in naval, military or air force service or operations or testing of any kind of conveyance or being employed as a manual worker or whilst engaging in offshore activities like diving and oil-rigging or mining or aerial photography or handling of explosives.
  6. MISCELLANEOUS
    1. Effective Date & Termination of Individual Insurance
      Insurance is effective on covered trip when the fare for such trips is charged by the Insured Person to his/her Security Bank Credit Card issued by the Policyholder.
      This Agreement shall be made binding and effective for all Security Bank Credit Cardholders and their eligible family members, qualified under the Program who have successfully charged their travel fares through their Security Bank Credit Cards during the period specified in this Agreement, or within one (1) year from the effective date of membership under the Program (as certified by the Policyholder), regardless of termination of this Agreement for whatever reason.
    2. Written notice of Accidental Death, Injury; Flight delay, Delay of Baggage or Loss of/Damage to Luggage or Medical Expense Reimbursement on which the claim is based must be given to the Company within sixty (60) days after date of loss.
    3. For claims against Flight Delay and/or Delay of Baggage benefits, proof of loss shall be required by the Company and shall include, but not limited to (1) a written notification by the air common carrier for flight delay and/or baggage delay, (2) a receipt of the ticket purchase charged to the Security Bank Credit Card and (3) any proof of purchase incurred using the Security Bank Credit Card for which a claim is being made.
Coverage
  1. For Travel Accident and DismembermentWhen as a result of an Accident occurring between the Departure and the Return Dates, the Insured Person sustains Injury which results in his/her death or dismemberment, the Company will pay to his/her beneficiaries the amount as provided in the Benefits Tables below provided that:
    1. such loss occurs within one hundred eighty (180) days after the date of accident causing such loss;
    2. the indemnity payable for any such loss shall be the amount stipulated under the Table of Losses and the Principal Sum stated therein shall be the amount stated as Principal Sum under the Schedule of Benefits as applicable to such person; and
    3. if more than one loss stated in the Table of Losses is sustained as a result of one accident, the Company shall only be liable to pay one loss, which shall be the largest amount payable.

    TABLE OF LOSSES

    Description of Loss Indemnity
    For Loss Of Life . . . . . Principal Sum
    Both Hands/Both Feet/Sight of Both Eyes . . Principal Sum
    One hand and One Foot . . . . Principal Sum
    Either Hand/Foot or Sight of One Eye. . Principal Sum
    Either Hand or Foot . . . . . One Half of the Principal Sum
    Sight of One Eye . . . . . One Half of the Principal Sum

    The term “loss” as used herein shall mean with regard to hands and feet, actual severance through or above wrist or ankle joints, and with regard to eyes, entire irrecoverable loss of sight.

    Disappearance

    If the body of an Insured Person has not been found within one (1) year of the disappearance, forced landing, stranding, sinking or wrecking of a conveyance in which such person was an occupant, then it shall be deemed, subject to all other terms and provisions of the Policy, that such Insured Person shall have suffered loss of life within the meaning of the Policy.

    Exclusions:

    The policy does not cover any accidental injury:

    1. occasioned by Civil or Foreign war whether declared or not;
    2. caused by the absorption by the Insured Person of any drugs, medication, or treatments not prescribed by a Physician;
    3. caused by the influence of alcohol characterized by a blood alcohol level of the Insured Person equal or superior to that fixed by the laws regulating the use of automobiles;
    4. occasioned by the suicide, attempted suicide or intentionally self-inflicted injury by the Insured Person
    5. sickness or disease of any kind

    Also excluded are all accidental bodily injuries occurring in the following circumstances:

    1. during the Insured Person’s participation in any professional sports;
    2. while the Insured Person participates in any competition involving the use of a motorized land, water or air vehicle;
    3. consequent on the Insured Person riding or driving a motorcycle or motor scooter with an engine displacement over 125cm3;
    4. when the Insured Person is flying as a fare-paying passenger in or on any aircraft that does not belong to an airline company not duly registered and agreed for the transport of fare-paying passengers on any regular and published schedule routes. Flying using privately-owned aircrafts are not covered;
    5. during active service of the Insured Person in any of the armed forces of any nation;
    6. the participation of the Insured Person in a criminal act;
    7. during the practice or utilization by the Insured Person, either as a pilot or passenger, of a sailplane, hanglider, parasail, parachute, or engaging in any aerial flight other than as a passenger.
  2. For Medical Expense ReimbursementThe Company will reimburse the Usual Customary and Reasonable Medically Necessary Expenses as defined, incurred up to the maximum benefit level stated in the Schedule of Benefits on an Overseas Trip for Injury or Sickness suffered by the Insured Person, solely and independently of any other causes.In the event an Insured Person becomes entitled to a refund of all or part of any of the expenses from any other source, the Company will only be liable for the excess of the amount recoverable from such other source. All reimbursement of such expenses shall be in accordance to the prevailing laws, rules and regulations of the Philippines.Exclusions:No benefits will be provided for any loss resulting (in whole or in part) from:
    1. pregnancy and its complications;
    2. illness or disorders of a psychological nature, nervous depressions, mental illness, sexually transmitted diseases, AIDS, HIV infections and AIDS related infections;
    3. suicide, attempted suicide, or intentionally self-inflicted injury;
    4. periodic control and observation examinations;
    5. failure to obtain Philippine government required vaccinations before departure;
    6. alcohol or drug abuse;
    7. any cancellations resulting from Civil or Foreign war, riots, popular movements, any pre-existing conditions, terrorist acts, any effect of a source of radioactivity, epidemics, pollution, natural catastrophes and climatic events.
    8. any Overseas Trip undertaken against the advice of a Qualified Medical Practitioner or when the purpose of such Trip was to obtain any form of medical treatment, consultation or advice.
  3. For Loss of / Damage to Baggage InsuranceUnder this section, the Company shall pay the Insured Person up to the limit stated in the Schedule of Benefits for loss or damage to the Insured Person’s Baggage during the period in the common carrier.
    1. Loss must occur as a result of the theft of the baggage or the personal effects from the Insured Person provided that such loss must be reported to the police having jurisdiction at the place of the loss no more than twenty-four (24) hours from the incident. Any claim must be accompanied by written documentation from such police;
    2. The Company may make payment or at its option, reinstate or repair as it may select in respect of articles not older than one (1) year;
    3. The Company may make payment or, at its option, reinstate or repair subject to due allowance of wear and tear and depreciation in respect of articles more than one year old;
    4. Insured Person cannot claim from under both benefits of the Loss and Damage to Baggage and Baggage Delay for the same loss.

    Exclusions

    Benefits will not be provided for any loss, theft or damage to:

    1. animals;
    2. documents, identity papers, credit and payment cards, transport tickets, cash, traveler’s checks, stocks and securities, jewelry ;
    3. keys;
    4. skis, bicycles, sailboards, golf clubs, tennis rackets and other sporting equipment except while checked as baggage with a registered common carrier;
    5. automobiles and automobile equipment, motorcycles, trailers and caravans, boats, motors and other means of transport (including accessories);
    6. equipment for professional use;
    7. musical instruments, objects of art, antiques, collector’s items, furniture;
    8. eye glasses, contact lenses, hearing aids, prosthetic limbs, artificial teeth or dental bridges;
    9. perishables and consumables;
    10. baggage sent in advance or souvenirs and articles mailed or shipped separately;
    11. hired or leased equipment;
    12. business goods or samples;
    13. data recorded on tapes, cards, disc or otherwise.

    Benefits will not be provided for any loss resulting in whole or in part from:

    1. wear and tear or gradual deterioration;
    2. insects or vermin;
    3. inherent vice or damage;
    4. confiscation or expropriation by order of any government or public authority;
    5. seizure of destruction under quarantine or custom regulation;
    6. transporting contraband or illegal trade;
    7. mysterious disappearance;
    8. breakage of brittle or fragile articles, cameras, computers (including softwares and accessories), musical instruments, radios, and similar property.
  4. Baggage Delay InsuranceIf the Insured Person’s accompanied check-in flight luggage is not delivered to him/her or has not arrived at the destination airport within six (6) hours of the Insured Person’s actual arrival at the scheduled destination point of his Scheduled Flight, the company will indemnify the actual additional expenses necessarily and reasonably incurred within two (2) days at such scheduled destination for emergency purchase of essential clothing and requisites, up to the maximum limits as specified in the Schedule provided that such luggage has been checked-in by an authorized official or the air carrier with which the Insured Person was traveling at the time of the occurrence.Such Insurance as is afforded an Insured Person shall apply only to the following hazards:
    1. any delay or cancellation by an air common carrier caused by inclement weather;
    2. any delay or cancellation due to a strike or other job action by employees of any air common carrier scheduled to be used by the Insured Person during his/her trip;
    3. any delay or cancellation caused by equipment failure of an air common carrier;
    4. any delay caused by mishandling of Luggage on the part of the air common carrier.
  5. Flight DelayIn the event that the Insured Person’s confirmed Schedule Flight is delayed or cancelled and no alternative onward transportation is made available to the Insured Person within six (6) hours of the actual departure time of this Scheduled Flight, the Company will indemnify the actual additional expenses necessarily and reasonably incurred for the hotel accommodation and restaurant meals and refreshments, up to the maximum limits as specified in the Schedule, provided the Insured Person shall be at the airport at the time of such flight delay.
  6. Flight RerouteIf as a result of the Flight delay, the Common Carrier is cancelled or delayed for over twelve (12) hours from the time specified in the original itinerary, The Company shall indemnify an Insured Person in respect of additional travelling expenses necessarily incurred for re-routing his/her itinerary to reach the original destination subject to the maximum benefit stated in the Schedule.
  7. Personal LiabilityThe Company shall indemnify the Insured Person for any legal costs incurred under any of the following circumstances due to his/her negligence in the course of a Trip subject to the maximum benefit stated in the Schedule on the condition that the Insured Person does not offer or promise payment or admit fault to any other third party, and/or become involved in any litigation without The Company’s written approval:
    1. Accidental death or Injury to any person; or
    2. Accidental loss of or damage to the property of any person.

    The Company shall not be liable for the following:

    1. Damage to the property of or to any person who is an Immediate Family Member or the employer of the Insured Person;
    2. Damage to property which belongs to the Insured Person or is in his/her care, custody or control;
    3. Damage relating to any liability assumed by the Insured Person under contract;
    4. Damage relating to the willful, malicious, or unlawful act on the part of the Insured Person;
    5. The ownership, possession or use of vehicles, aircraft, watercraft, firearms or animals;
    6. The undertaking of any trade, business or profession;
    7. Any criminal proceedings; or
    8. Any liability which has been admitted or settled by the Insured Person.
  8. Rental Vehicle ExcessIf during the period of insurance the Insured Person hires a vehicle which is stolen, damaged or involved in a collision whilst driving or under the control of the Insured Person in the course of a Trip, The Company shall reimburse the Insured Person for the rental vehicle excess subject to the maximum benefit stated in the Schedule.PROVISIONS
    1. The Insured Person must take comprehensive motor vehicle insurance provided by the rental organization against any loss or damage to the rental vehicle during the rental period.
    2. The Insured Person must not violate any terms of the rental agreement or comprehensive motor vehicle insurance policy.
    3. The Insured Person must be liable for the loss or damage of the rental vehicle in the incident.
    4. The Insured Person must hold a valid driving license for the country in which the theft, damage or collision has occurred.
    5. Any illegal or unlawful use of the rental vehicle by the Insured Person is excluded.
    6. Any incident incurred while the rental vehicle is under the control of the Insured Person who is under the effects of alcohol or drugs are excluded.
    7. This benefit shall be payable once per Trip.
Coverage Exclusions

GENERAL EXCLUSIONS

The Company will not pay under any section of this policy for loss or liability directly or indirectly arising as a result of:

  1. Loss of or damage resulting from willful, malicious or unlawful act or negligence of the Insured Person;
  2. Any act of war, act of a foreign enemy, civil war, invasion, and revolution, insurrection use of military power or usurpation of government or military power. War shall mean war, whether declared or not, any warlike activities including the use of military force by any sovereign nation to achieve economic, geographic, nationalistic, political, racial, religious or other ends;
  3. Any serious physical injury, Sickness or Disease resulting directly or indirectly from, attributed to, or accelerated by;
    • The use, release or escape of nuclear materials that directly or indirectly results in nuclear reaction, or radiation or radioactive contamination; or the dispersal or application of pathogenic or poisonous biological or chemical materials; or
    • The release of pathogenic or poisonous biological or chemical materials.
  4. For the purpose of this exclusion, serious physical injury means;
    • Physical injury that involves a substantial risk of death; or
    • Protracted and obvious physical disfigurement; or
    • Protracted loss of or impairment of the function of a bodily member or organ.
  5. Loss, destruction or damage to any property whatsoever or any loss or expense whatsoever arising there from or any consequential loss directly or indirectly caused or contributed to by or arising from ionizing radiation or contamination by radio-activity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel;
  6. Any illegal or unlawful act by the Insured Person or confiscation, detention, destruction by customs or other authorities;
  7. Any violation of the Insured Person of any prohibition or regulations by any government;
  8. Any breach of government regulation or any failure by the Insured Person to take reasonable precautions to avoid a claim under the Policy following the warning of any intended strike, riot or civil commotion through or by general mass media;
  9. The Insured Person not taking all reasonable efforts to safeguard his/her property or to avoid Injury or minimize any claim under the Policy;
  10. Hunting, riding or driving in any kind of race, participating in any professional sports or in any sport whereby the Insured Person would or could earn or receive remuneration, donation, sponsorship, award or certificate of any kind and air travel (other than as a fare-paying passenger in any properly licensed private and/or commercial aircraft or other mode of conveyance or transportation);
  11. Pregnancy or childbirth, and any Injury or Sickness associated with pregnancy, childbirth or venereal disease;
  12. Suicide or attempted suicide or intentional self-injury by the Insured Person while sane or while insane or provoked assault or intoxication or drugs;
  13. Mental and nervous disorders, including but not limited to insanity;
  14. Declared or undeclared war;
  15. Injury sustained in consequence of riding as a passenger or otherwise in any vehicle or device of aerial navigation, except as provided in ‘Operation of Insurance Coverage’, Section II.
  16. The Insured Person employed on merchant vessels, engaging in naval, military or air force service or operations or testing of any kind of conveyance or being employed as a manual worker or whilst engaging in offshore activities like diving and oil-rigging or mining or aerial photography or handling of explosives.

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