JuanLife Personal Accident Insurance

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Good for 1 year!

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Product Info

Product Description Inclusions & Exclusions HOW TO FILE A CLAIM

POLICY COVERAGE:

COVERAGE	PHP 2,000 PREMIUM
Accidental Death	Php 1,000,000
Permanent Disablement	Maximum of Php 1,000,000
Medical Reimbursement (including animal bites)	Maximum of Php 25,000
Unprovoked Murder and/or Assault	Maximum of Php 250,000 (maximum)
Burial Assistance	Php 50,000

TERMS & CONDITIONS:

1. Insured shall be the registered applicant for JuanLife Personal Accident Insurance.

2. Insured should be Filipino citizens ages 18 to 60 years old; renewable up to 65 years old.

3. Each Insured can avail of multiple JuanLife Personal Accident Insurance policies amounting to a maximum total combined coverage of P1,000,000 for themselves every year.

4. The JuanLife Personal Accident Insurance is valid for one (1) year from date of activation.

5. The JuanLife insurance shall only be valid once activated via SMS, Facebook Messenger or via the JuanLife website.

6. Beneficiary must be the LEGAL heirs of the insured.

For insured who are married, beneficiary shall be the legal spouse or the children.
For insured who are single, beneficiaries shall be the parents or siblings.

7. For accidental death, the beneficiaries shall receive the maximum coverage of this policy.

8. For injuries or permanent disablement caused by accidents, the insured shall receive 50% up to 100% coverage depending on the extent of injury. Please refer to the Inclusions Table for details.

9. The Medical Reimbursement benefit covers medical expenses with supporting receipts related to accidents covered under the JuanLife Personal Accident Policy. It also covers medical expenses incurred from animal bites. This benefit can only be claimed once during the year of coverage.

10. The Insured shall also receive burial assistance for accidental death on top of the accidental death coverage.

11. The Insured is covered for disability or loss of life due to unprovoked murder and/or assault arising from robbery, hold-up assault, and other unlawful offence done. Unprovoked means that the insured should not have done any action or issued words to encourage any harm done to themselves by the assailant.

12. The benefit of those engaged in hazardous occupation is reduced to 10% of each coverage amount should the accident happen during the time or performance of their job or duty as such.

13. Accidents that happened in other countries are covered.

14. In cases of multiple claims, the maximum amount shall be the coverage for accidental death, plus the burial assistance benefit.

15. LEGAL names of the insured and her beneficiaries, as well as other data submitted MUST be accurate for the insurance to be valid.

16. This insurance shall be considered null and void if the accident or the unprovoked murder and/or assault occurred while the Insured is participating in any criminal act or related offence.

LIST OF HAZARDOUS OCCUPATIONS

1. All military and police personnel and officers

2. Barangay officials/tanod

3. Professional entertainers & athletes

4. Duties involving heavy manual work

5. Acrobats, asylum, attendants, aviator, boilerman, butchers, caddies, carpenters, construction workers, customs personnel, detectives, divers, electricians, explosive makers, farmer, fireman, fisherman, handlers or custodians, mason, miners, outdoor painter, professional referee, racehorse trainer, jockey, sailor, secret service personnel, security guard, ship’s crew, steeplejacks, stevedore, traffic aide, underground workers, welder, woodcarver, tinsmith, auto mechanic, window cleaners & woodworking machinists

COVERAGE	INCLUSIONS	EXCLUSIONS
Accidental Death (Biglang Pagkamatay)	This policy covers death caused by or happening through the following: Accident (subject to the list exclusions). Death caused by acts of nature such as earthquake, volcanic eruption, tidal wave. Death caused by motorcycling accident.	This policy does not cover the following: 1. Death or disablement caused by or that happened through: War, invasion, act of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, riots, strike, military or popular uprising. Suicide or attempted suicide, Insured is under the influence of alcohol or illegal drugs. 2. Death or disablement that occurred while the insured is travelling in an aircraft that is not licensed for passenger service and is not operated by a commercial airline. 3. Death or disablement as a result of the insured engaging in risky activities: racing of all kinds, mountaineering, football, polo, hockey, winter sports, or yachting. 4. Death or disablement due to murder and assault. 5. People who have the following pre-existing medical conditions: Total Blindness, Total Deafness, Skull or Spinal Injuries, Infirmities and Diseases of the Brain, Heart, Liver, Lungs or Chest if the Lungs are affected, Chronic Diseases.
Permanent Disablement	Php 100% Coverage for: Loss of two limbs Loss of both hands Loss of all fingers and both thumbs Total loss of sight of both eyes Injuries resulting in being permanently bedridden Any other injury causing permanent total dismemberment Php 70% Coverage for: Loss of arm at or above elbow Php 60% Coverage for: Loss of arm between elbow and wrist Loss of leg at or above knee Php 50% Coverage for: Loss of hand Loss of one foot Loss of sight on one eye Loss of hearing of both ears
Medical Reimbursement	Injuries resulting from an accident that are not covered above, including animal bites.
Burial Assistance	Death due to accident Death due to unprovoked murder.	Death due to disease. Death due to homicide and murder
Unprovoked Murder and /or Assault	Benefit will be based on the policy coverage for UMA. Php 100% Coverage for: Loss of two limbs Loss of both hands Loss of all fingers and both thumbs Total loss of sight of both eyes Injuries resulting in being permanently bedridden Any other injury causing permanent total dismemberment Php 70% Coverage for: Loss of arm at or above elbow Php 60% Coverage for: Loss of arm between elbow and wrist Loss of leg at or above knee Php 50% Coverage for: Loss of hand Loss of one foot Loss of sight of one eye Loss of hearing of both ears	If the insured have done any action or issued words to encourage any harm done to themselves by the assailant. If the murder and or assault happened while the insured is: Engaging in political activities or Performing investigative security or political functions or Holding any elective government position. If the murder and or assault occurred in any of the following geographical areas, including their cities, towns, municipalities, barrios and barangays, namely: Lanao Del Norte Sultan Kudarat Lanao Del Sur Sulu archipelago North Cotabato Maguindanao Zamboanga Sibugay Zamboanga Del Norte Marawi City Zamboanga del Sur

FILING OF CLAIMS

1. Agile Insurance Agency and Business Technologies shall be facilitating your Claims.

2. After the accident, notify Agile via phone, email or website immediately.

JuanLife Hotline: 02-8584-7598 or 0917-7062360
Email: Claims@JuanLife.com.ph
Facebook Messenger: @juanlifephilippinesofficial

3. Agile shall respond to confirm your notification within 3 working days.

4. Accomplish the Claims Form and submit the following requirements to Agile: Unit 2107 Antel Global Corporate Center, #3 Julia Vargas Avenue, Barangay San Antonio, Ortigas Center, Pasig City, Philippines 1605.

Accidental Death	Permanent Disablement	Medical Reimbursement
Accomplished Claims Form	Accomplished Claims Form	Accomplished Claims Form
1. Certified true copy of the insured’s Death Certificate	1. Incident Report	1. Incident Report
2. Police Report or Notarized Affidavit stating facts of the accident	2. Medical Certificate	2. Medical Certificate
3. Photocopy of the claimant’s valid ID	3. Pictures of insured’s injury	3. Original Receipts of medical expenses
4. Medical Certificate	4. Photocopy of the claimant’s valid ID	4. Photocopy of the claimant’s valid ID
5. Birth Certificate of the insured.	5. Disability Certificate
6. Official Receipt of funeral and burial services
7. Other documents that may be deemed necessary by the adjuster.

5. The benefit will be released within the processing period, provided that ALL required and valid documents have been received from the claimant.

Medical Reimbursement – within ten (10) working days
Permanent Disablement – within ten (10) working days
Accidental Death – within twenty (20) working days
Unprovoked Murder and/or Assault – within twenty (20) working days

6. In cases of claims other than Death, benefit shall be payable to the Insured.

7. This policy shall become null and void if the insured or his beneficiary/ies shall make any claim through fraudulent means or devices to obtain any benefit of this policy.

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COVERAGE

INCLUSIONS

EXCLUSIONS

FILING OF CLAIMS

Accidental Death

Permanent Disablement

Medical Reimbursement