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HOMECARE
Descriptions

A flexible insurance package geared specifically for the home. In addition to providing a comprehensive cover for the building and contents, the package also offers an extensive range of benefits. Additional coverages such as Personal Liability and Personal Accident for the Insured and his Family, are built-in as part of the package.

Sections and Coverages

Fire Insurance

Insures against loss or damage to the building and contents including furniture, fixtures, fittings, and personal effects caused by the following perils:

Option 1

Option 2

Fire and Lightning

Impact by aircraft or other aerial devices

Vehicle Collision

Smoke and Explosion

Option 1 plus

Earthquake, Typhoon and Flood

Riot, Strike & Malicious damage

Robbery & Burglary

Family Personal Liability
Insures against legal liabilities to third parties, for bodily injury and/or property damage arising out of accidents within the Insured’s premises and elsewhere resulting from negligent acts or omission of the insured, his family, or that of his household.  The protection is up to P10,000 per person for any one accident with an aggregate limit of P100,000 during the period of insurance.

Family Personal Accident
Insures against accidental death or disablement of the insured and his spouse and up to 4 children consecutively, 24 hours a day, 365 days, anywhere in the world including medical expense reimbursement up to the limit provided.

Coverage

Principal Sum

Medical Expenses

Age Limitation

Insured

200,000.00

20,000.00

Between 18 to 65 years old

Spouse

100,000.00

10,000.00

Between 18 to 65 years old

Child

50,000.00

5,000.00

1 to 19 up to 23 years old, student, single, unemployed

 Extensions 

Debris Removal
An amount of up to 10% of the sum insured will be provided for clean-up costs and the removal of debris consequent upon a loss due to covered perils. 

Alternative Accommodation Expense
The plan will reimburse the cost of alternative accommodation, if the building is rendered untenantable due to an insured peril.  The coverage is up to P2,500 per day for 1 month, or a maximum of P75,000. 

Waiver of Average Clause
The Average clause provision under the policy will be waived, provided that the sum insured is 90% of the value of the property at the time of the loss.

Average Clause means that if the amount of insurance is less than the actual value of the property insured at the time of the loss, the insured shall be considered as his own insurer for the difference and shall bear a proportionate share of the loss.

 IMPORTANT NOTES:

·         Maximum of four  (4) children, between 6 months and 21 years old. Hierarchy shall be followed.

·         Premiums quoted are for class 1 and 2 and assume that the spouse falls under the same occupational classification.

·         Maximum age limit is 65 years.

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