Accident Protection
"Sana laging may mag-aalaga sa’yo."
Being prepared is one of the best defenses you can have to guard against uncertainties in life. It's only natural that you want safety and security for you and your family.
Our Protection plans offer excellent protection for you and your family against the possibility of financial loss caused by life-threatening emergencies. We specifically designed them to meet your unique financial needs and situation.
Contact a Philam Life Financial Planner
Contact us at (02) 528-2000 or
email us at philamlife@aia.com.
Read Philam Life's "Buti na lang" Testimonials
No stars. No celebrities or media personalities. Just ordinary people with extraordinary stories.
Our Accident Protection Plans
We keep you protected 24/7.
You don’t want the fear of the unknown to stop you from experiencing life’s great adventures. Philam Life’s 24-Hour Plus provides day and night coverage for accidents or serious injuries you might encounter anytime, anywhere.
Comprehensive Accident Protection
- You can get as much as 100% of your face amount* in case of accidental death or disablement.
- You can receive a monthly cash benefit equal to 3% of your face amount starting on the 7th month of continuous, permanent, and total disability, for 32 months. On the 33rd month, you can receive your remaining benefit equal to 4% of your principal sum.
- You will receive an additional 25% of your face amount for covered accidental losses or dismemberment.
Renewable and Customizable Package
- Your face amount will increase by 5% each year for the first five consecutive years.**
- You can further increase your protection with the following optional benefits:
- Medical Reimbursement: You can reimburse up to a maximum of P100,000 of your medical expenses incurred due to an accident.
- Weekly Indemnity Benefit: You can receive as much as P2,000 weekly income, up to a maximum of 26 weeks, in case of temporary disability.
- Familia Option: You have the option to extend your accident protection benefits to your loved ones.
With 24-Hour Plus, you can now have comprehensive round-the-clock worldwide accident coverage.
Below are common Frequently-Asked-Questions (FAQs) about 24-Hour Plus that we have compiled for your reference.
Q: What types of accidental injuries are covered under the plan?
A: Accidental Dismemberment or Loss of Use of Limbs.
- Loss of Sight
- Loss of Speech
- Loss of Hearing
- Accidental Dismemberment or Loss of Use of Fingers
- Loss of Use of Metacarpals
- Loss of Use of Metacarpals
- Accidental Dismemberment or
- Loss of Use of Toes
- Fractured leg or patella with established non-union
- Shortening of leg by at least 5 cm
Q: What types of accidental injuries are not covered under the plan?
A: Injury caused directly or indirectly, wholly or partly:
(a) by intentionally self-inflicted injury, suicide or any attempt thereat, while sane or insane;
(b) by war, invasion, act of foreign enemy, acts of terrorism, hostilities or warlike operations (whether war be declared or not), mutiny, riot, civil commotion, strike, civil war, rebellion, revolution, insurrections, conspiracy, military or usurped power, martial law or state of siege, or any of the events or causes which determine the proclamation or maintenance of martial law or state of siege, seizure, quarantine, or nationalization by or under the order of any government or public or local authority;
(c) by any weapon or instrument employing atomic fission, thermonuclear fusion or any form of radiation, whether in time of peace or war;
(d) by murder, frustrated murder or any attempt thereof;
(e) by homicide or any attempt thereof, or physical injuries, occasioned by the provocation of the Named Insured;
(f) by congenital anomalies and conditions arising therefrom;
(g) by pregnancy and resulting childbirth, miscarriage or abortion;
(h) by cosmetic or plastic surgery, except as a result of Injury;
(i) while the Named Insured is in active service in the Armed Forces of any country or any international authority and in such an event, we, upon written notification by the Insured, shall return the pro-rata premium for any such period of service;
(j) while in any attempted commission of, or willful participation by the Named Insured in, any crime punishable under any prevailing law or ordinance of the Philippines or of any country in which the crime was attempted;
(k) while resisting lawful arrest;
(l) while entering, leaving, operating, servicing, or being in, on, or about any aerial or submarine device or conveyance except as a fare-paying passenger in any properly licensed private and/or commercial aircraft;
(m) by medical and surgical treatment except as may be necessary solely as a result of Injury;
(n) by dental care or surgery except to natural teeth as occasioned by Injury;
(o) while under the influence of alcohol or unprescribed drugs;
(p) by alcoholism or drug addiction;
(q) by disease, bacterial infection or out of or consequent upon or contributed to by Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC);
(r) by hernia, ptomaines, or other bacterial infections which are not pyogenic infections occurring at the same time with or because of any accidental cut or wound;
(s) by circumcision, sterilization, artificial insemination, sex transformation, diagnosis and treatment of infertility, congenital deformities and defects;
(t) by psychosis, mental or nervous disorders, sleep disturbance disorders;
(u) by poison, gas or fumes voluntarily or involuntarily taken;
(v) by automobile and motorcycle racing, judo, karate and similar martial arts, scuba diving, hang-gliding, sky gliding, and other extreme sports or hazardous avocation.
Q: Will my annual payment increase if I renew my coverage?
A: Yes, your annual premium may increase depending on your attained age upon renewal.
Q: How are benefits paid out?
A: The amount payable depends on the type of loss, as shown below:
| Accidental Dismemberment or Loss of Use of Limbs | Percentage of Principal Sum |
|---|---|
| (a) Both Hands | 100% |
| (b) Both Feet | 100% |
| (c) One Hand and One Foot | 100% |
| (d) One Hand | 50% |
| (e) Arm between elbow and wrist | 60% |
| (f) Arm at or above elbow | 70% |
| (g) One Foot | 50% |
| (h) Leg below knee | 60% |
| (i) Leg at or above knee | 70% |
| Loss of Sight | |
| (a) Both Eyes | 100% |
| (b) One Eye | 50% |
| Loss of Speech | 100% |
| Accidental Dismemberment or Loss of Use of Fingers | |
| (a) All of One Hand | 50% |
| (b) Thumb | 15% |
| (c) Index Finger | 10% |
| (d) Middle Finger | 6% |
| (e) Ring Finger | 5% |
| (f) Little Finger | 4% |
| Loss of Use of Metacarpals | |
| (a) first or second | 3% |
| (b) third, fourth or fifth | 2% |
| Accidental Dismemberment or Loss of Use of Toes | |
| (a) All of One Foot | 25% |
| (b) Great Toe | 5% |
| (c) Other than Great, each Toe | 1% |
| Fractured leg or patella | |
| (a) With established non-union | 10% |
| (b) Shortening of leg by at least 5 cm | 7.5% |