TRAVEL PROTECT POLICY TERMS AND CONDITIONS

SCOPE OF THE INSURANCE is unavoidably delayed in the course of his scheduled return journey to the
In consideration for the payment of premium, the Travel Insurance and Country of Residence due to the Policyholder being hospitalized for an Illness
Assistance policy guarantees will be provided, in any case, according to the or Injury which transpired prior to the expiration of the insurance coverage; The
terms and conditions set forth in the policy and for events derived from the Company shall pay for the hospital room and board expense, up to the daily
risks specified therein. It is understood that Policyholder has the intention to limit stated in the Policy, as a result of injury or sickness, but not to exceed ten
return to the Usual Country of Residence. (10) days. This benefit will only apply while the Policyholder is abroad. Hospital
confinement benefit shall mean hospital room and board expenses incurred as
PERIOD OF INSURANCE an in-patient under the professional care of a legally qualified and registered
The Policy shall commence: medical practitioner.
when the Policyholder leaves his/her home in the Usual Country of Residence
to commence the travel, but not earlier than twenty-four (24) hours before the 2) First Medical Assistance (in case of Pre Existing Illness)
start date shown on the policy schedule as evidenced by the original departure Includes Emergency Medical, Surgical and Hospital treatment and ambulance
time shown on the travel ticket, and ends under all other sections: cost to inpatient or outpatient cases up to the limit provided in the Policy
(i) no more than 24 hours from actual date of arrival as evidenced by Schedule. This initial assistance may also respond to pre-existing conditions. If
the original arrival time shown on the travel ticket; or the cause of illness is not pre-existing, the Medical Treatment benefit will apply.
(ii) no later than end date of the policy as shown in the policy schedule; This benefit is applicable to Dollar and Euro Plans only.
or
(iii) when the Policyholder is in his/her home address in the Usual BENEFITS FOR REIMBURSEMENT:
Country of Residence. 3) Hospital Income
This provides a daily income up to ten (10) consecutive days of the
whichever is earlier. Policyholder’s hospitalization in excess of twenty-four (24) hours from the time
of admission due to covered illness or injury.
Notwithstanding what is provided in this Travel Protect Policy General
Conditions or in the Specific Policy Conditions, such guarantees will accrue only 4) Emergency Dental Care
during the time the Policyholder spends away from Usual Country of Residence The Company will provide the Policyholder with the dental assistance required
and within the geographical limits and travel period agreed under the policy. abroad and meet the cost strictly for necessary emergency dental treatment of
This shall include domestic flights as transit to international flights, both natural teeth only, not occasioned by the previous deteriorated state of the
inbound and outbound. teeth, gums or jaws, for the immediate relief of pain, infection and removal of
the tooth affected resulting from an accident which also caused bodily injury
It is likewise understood that the Company shall be liable only for Medical necessitating medical treatment, up to the limit provided in the Policy
Treatment benefits and Personal Accident claims incurred while in the Usual Schedule. Crowned teeth, crowns, bridges, dentures etc. are not to be
Country of Residence when the Policyholder has commenced with the travel understood as natural teeth. Ordinary toothaches, cavities, infections or decay,
within the scope of the period of insurance. Further, that claims for Diversion dental sensitivity in the course of the Policyholder’s trip are not covered under
of Trip and Delayed Departure for international inbound flights are likewise this policy.
covered.
EMERGENCY TRAVEL ASSISTANCE
The Policy Schedule will set forth the guarantees effectively taken out, together
with the Limits for each Benefit. In no event shall the total amount payable CASHLESS BENEFIT:
exceed 100% of the limit stated under the Table of Benefits per trip. 5) Emergency Medical Evacuation/Repatriation
In the event of an accident or life-threatening illness, transfer via an ambulance
EMERGENCY MEDICAL ASSISTANCE or other means of transport to a medical facility where adequate assistance can
be performed will be covered by the Company.
CASHLESS BENEFITS: Should the first medical facility handling the case not be equipped to handle the
1) Medical Treatment situation, the Company will take charge of transferring the Policyholder to a
In the event of covered illness or injury of the Policyholder, the Company will properly equipped health center.
meet the usual, customary, necessary and reasonable costs of hospitalization, The Company, through its medical team, will decide which health center the
surgery, medical fees, professional fees and pharmaceutical products, Policyholder is transferred to or whether repatriation is necessary, depending
prescribed by the attending doctor. The Company’s medical team will maintain on the situation or gravity of the state the latter is in.
the telephone contacts necessary with the center and with the doctors
attending to the Policyholder to supervise the provision of proper health care. Afterwards, the Company’s medical team will maintain the telephone contacts
Post-travel emergency consultation and/or confinement is excluded under this necessary with the medical center and with the doctors attending to the
guarantee. Policyholder, and on the basis thereof will decide whether to transfer or
repatriate the Policyholder, and on the most suitable means of transport to use.
Automatic Extension of Period of Insurance: For minor or less serious illnesses or accidents, which in the opinion of the
The Medical Treatment Benefit subject to the limits of the plan will be extended medical team do not require repatriation, transfer will be performed in
for a maximum of ten (10) consecutive days in the event that the Policyholder

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RMN 140
Rev 3-0
06/01/2021
ambulance or another means of transport, to the place where adequate The Policyholder must report any loss of his/her passport, as defined under the
medical assistance can be provided. policy, to the consular representative of his/her home country within twenty-
four (24) hours of discovery, and get a written report from them.
6) Repatriation of Mortal Remains
In the event of death of the Policyholder due to accident or illness whether pre- This guarantee does not include the Policyholder’s maintenance expenses such
existing or otherwise, the Company will make the arrangements necessary for as food, clothing, personal effects and monetary allowance and cost incurred
his/her transport or repatriation and will meet the cost of the transfer expenses in obtaining proof of loss such as cost of Affidavit of Loss.
to the place of interment in the Usual Country of Residence.
12) Location and Forwarding of Luggage (Outbound and Inbound)
Payment of expenses for interment, cremation or funeral ceremony is excluded The Company will furnish the Policyholder with advice on reporting the robbery
from this guarantee. of his/her luggage and personal possessions or if luggage and personal
possessions were delayed, misdirected or temporarily misplaced in delivery for
7) Care of Minor Child/ren more than six (6) hours from the time of arrival, and will collaborate in
Should the Policyholder be hospitalized due to an illness not pre-existing or an arrangements for locating them.
accident for more than ten (10) consecutive days or is deceased, and
accompanied by a minor during the event and if no adult accompanies the said In the event that the aforesaid possessions should be recovered, the Company
minor, the Company will meet the cost in respect of an economy roundtrip will take charge of forwarding them to the place of the trip planned by the
(inbound and outbound) transfer of one immediate family member, having the Policyholder or to his/her Usual Country of Residence. In this event, the
same country of residence as the Policyholder to accompany the Policyholder Policyholder is under an obligation to return the compensation received for the
and minor considering this minor is unable to travel by his/her own means of loss in accordance with this policy.
transport or the means of transport used for the initial trip.
The Policyholder must report any loss due to robbery or burglary, damage or
In the meantime that the immediate family member is not yet available, the delay to personal belongings and baggage to the relevant airline or transport
Company through its service provider will provide a suitable person or a child company within twenty-four (24) hours of discovery and get a written report
caregiver to look after the minor. from them. In case of an airline; a property irregularity report will be required.
If the covered loss or damage to the Policyholder’s property is only noticed after
8) Compassionate Visit he/she have left the airport, the Policyholder must contact the airline in writing
In the event that the Policyholder should be admitted to hospital for more than with full details of the incident within seven (7) days of leaving the airport and
five (5) days as a result of an accident or illness covered in the policy, the get a written report from the Airline Company.
Company will take charge of the transfer of immediate family member from the
Usual Country of Residence, including meeting the cost of the outbound and 13) Loss of Personal Money
return journey (economy ticket) to the place of hospitalization and the The Company will reimburse the Policyholder up to the maximum benefit
accommodation expenses there up to a limit indicated in the Plan, maximum of amount for replacing the Policyholder’s personal money/cash, traveller’s
twenty (20) days. This will only respond if the Policyholder has no relative with cheque due to theft, robbery, burglary, or lost due to Acts of Nature as defined
him on the trip. in the policy and which were in the Policyholder’s care custody or control during
a Trip. Provided always that the Policyholder shall exercise reasonable care for
This guarantee does not include the maintenance expenses such as food, the safety and supervision of the property and that such loss is reported to the
clothing, personal effects and monetary allowance of the immediate family police having jurisdiction at the place of the loss no later than twenty-four (24)
member. hours after the incident. Any claim must be accompanied by written
documentation from the police.
9) Delivery of Medicines
The Company will take charge of delivering the medicines (including medicines It is the responsibility of the Policyholder to provide proof of ownership of any
for pre-existing illness) prescribed urgently by a doctor for the Policyholder lost or stolen personal money and the Company is under no obligation to make
during the trip and which cannot be found in the place where the Policyholder payment without this proof of ownership.
had travelled to or be replaced by medicines that have a similar composition.
The Policyholder must report any loss due to robbery or burglary to the police
Cost of medicines is excluded from this guarantee. within 24 hours of discovery and get a written police report from them.

BENEFITS FOR REIMBURSEMENT: This benefit is not applicable to Policyholders fifteen (15) years of age and
10) Relay of Urgent Messages younger.
The Company will reimburse the Policyholder for reasonable communication
expenses incurred by the Policyholder to contact the Company’s Assistance 14) Car Rental Excess Protection
Center. The Company will reimburse any excess or deductible that the Policyholder
becomes legally liable to pay in respect of loss or damage caused by an accident
TRAVEL INCONVENIENCE BENEFITS to the rented vehicle during the rental period, up to the limit indicated in the
Plan, but subject to the conditions below:
BENEFITS FOR REIMBURSEMENT: a. The rental vehicle must be rented from a licensed rental agency.
11) Loss of Travel Documents b. The hiring agreement must incorporate comprehensive motor insurance
The Company shall reimburse, subject to presentation of official receipts all against loss or damage caused by an accident to the rented vehicle.
reasonable additional hotel, travel and communications expenses, flight c. The Policyholder must comply with all the requirements of the rental
rebooking fee (if any), including cost to replace travel documents necessarily organization under the hiring agreement and of the insurer under such
incurred in obtaining the replacement of a lost passport or visa, provided insurance.
always that a Policyholder shall exercise reasonable care for the safety and
supervision of the property and that any loss of passport or visa must be This policy does not cover:
reported to the Police within twenty-four (24) hours of the discovery. Such loss a. Loss or damage arising from operation of the Rental Vehicle in violation of
must be due to theft, robbery, burglary, or Acts of Nature as defined in the the terms and the rental agreement or loss or damage which occurs
policy whilst overseas. beyond the limits of any public roadway;

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b. Wear and tear, gradual deterioration, damage from insects or vermin, Also excluded from this guarantee are those delays that occur on charter or
inherent vice. non-regular flights.

15) Trip Cancellation 17) Trip Postponement (outbound and inbound)

Trip cancellation means the abandonment of the scheduled trip by outright The Company will pay the Policyholder, up to the limit as specified in the Policy
cancellation of reservation made by the Policyholder for the travel ticket and Schedule, for any additional expenses incurred such as transportation, non-
accommodations resulting in the refund of a portion of the payments made in refundable cruise and hotel accommodation/bookings, prime necessity
advance. expenses (i.e., food, necessary clothing and toiletries or those items that are
indispensable), if trip is delayed by at least twenty-four (24) hours due to acts
The Company will reimburse up to the limits stated in the Schedule of Benefits of nature as defined in the policy, a mechanical breakdown of the carrier or
the non-refundable portion of the travel ticket and accommodation expenses sunset limitation. Such payment will be made upon presentation of the
or flight rebooking fees (if any), including non-refundable cruise tickets if the corresponding and relevant original invoices and original receipts and up to the
trip has to be cancelled. limit specified in the Policy Schedule.

The Company will meet the cost of the reimbursement up to the limit stipulated This guarantee duly excludes any delay that is a direct consequence of a strike
in the Specific Policy Conditions of the travel cancellation expenses (which are called by employees belonging to the airline company and/or the departure or
non-refundable) charged to the Policyholder and invoiced to him/her in arrival airports for the flight, or to service companies subcontracted by the
application of the general conditions of sale of his/her provider, provided that same.
he/she cancels the trip before it starts due to any of the following causes:
a. Serious illness, serious bodily accident or death sustained by the Also excluded from this guarantee are those delays that occur on charter or
Policyholder or, pre-existing illness, serious illness, serious bodily accident non-regular flights.
or death of immediate family member as defined in the present Travel
Protect General Conditions; and 18) Missed Connection (outbound and inbound)
b. Serious damage caused by fire, explosion or robbery in his/her owned or If the carrier contracted is delayed because of:
rented business premises which rendered them uninhabitable or under a. acts of nature as defined in the policy;
serious risk of greater damage occurring which justify indispensably b. mechanical breakdown of the carrier;
his/her presence, or by Acts of Nature, as defined in the policy, in his/her c. sunset limitation;
Usual Place of Residence in the Usual Country of Residence, at the planned d. intervention by the Authorities or hijackers or;
destination. e. the Policyholder being involved in a vehicular accident or had a vehicular
mechanical breakdown (this shall not include the vehicle running out of
The Company will not pay for any loss that is covered by any other existing petrol, oil or water, having a flat tire, flat battery)
insurance scheme, government program or which will be paid or refunded by a
hotel, airline or travel agent in relation to the cancelled trip. And as a result of this delay it is impossible to connect with the next carrier
booked and envisaged in the ticket, the Company will compensate the
Important Information Policyholder up to a limit of the plan, subject to presentation of the relevant
Where an airline ticket was purchased using frequent flyer or similar air points, original copies of the invoices, to defray the prime necessity expenses (i.e.,
the Company will pay the Policyholder for frequent flyer or similar air points necessary clothing and toiletries, hotel accommodation or those items that are
lost following cancellation of their ticket. The amount payable will be calculated indispensable while the Policyholder is waiting to leave), including non-
as follows: refundable cruise and hotel bookings, if any.
a. If the airline will not refund the travel points, the Company will refund the
cost of economy class air ticket based on the quoted retail price at the The Company will also reimburse the Policyholder’s reasonable additional
time the ticket was issued. expenses (up to the limit of the plan) incurred for the use of alternative
b. If the airline will only refund a portion of the travel points, the Company scheduled public transport services to enable the Policyholder to arrive at the
will refund the cost of the economy class air ticket based on the quoted planned destination on time in the event that the Policyholder misses his flight
retail price at the time the ticket was issued, less the value of the portion connection due to above named unforeseen circumstances outside the
of the travel points refunded to the Policyholder. Policyholder’s control.

This benefit will respond if the travel insurance is taken at least three (3) days Missed connection as a result of a strike called by employees of or services
prior to the scheduled trip companies subcontracted by the Airline and/or of the flight departure, port of
call or destination airports, is excluded from this guarantee.
16) Delayed Departure (Outbound and Inbound)
When the departure of the booked outward or inbound international journeys 19) Diversion of Trip (outbound and inbound)
(by aircraft, ship, cruise ship, coach or cross-channel train) contracted by the If the carrier contracted were diverted because of mechanical breakdown of
Policyholder for travelling is delayed by at least six (6) hours because of acts of the carrier, acts of nature as defined in the policy, intervention by the
nature as defined in the policy, a mechanical breakdown of the carrier or sunset Authorities or hijackers, the Company will compensate the Policyholder up to a
limitation, the Company, shall reimburse any additional expenses incurred such limit of the plan, subject to presentation of the relevant original copies of the
as transportation, non-refundable cruise and hotel accommodation/bookings, invoices, to defray the prime necessity expenses (i.e., necessary clothing and
prime necessity expenses (i.e., food, necessary clothing and toiletries or those toiletries or those that are indispensable while the Policyholder is waiting to
items that are indispensable while the Policyholder is waiting to leave). Such leave).
payment will be made upon presentation of the corresponding and relevant
original invoices and original receipts and up to the limit specified in the Policy The Company will also reimburse the Policyholder’s reasonable additional
Schedule. expenses (up to the limit of the plan) incurred for the use of alternative
scheduled public transport services to enable the Policyholder to arrive at the
This guarantee duly excludes any delay that is a direct consequence of a strike planned destination on time in the event that the Policyholder’s scheduled
called by employees belonging to the airline company and/or the departure or flights are rerouted due to the above named unforeseen circumstances outside
arrival airports for the flight, or to service companies subcontracted by the the Policyholder‘s control.
same.

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Flight diversion as a result of a strike called by employees of or services take leave from that employment. This exclusion will not apply if the
companies subcontracted by the Airline and/or of the flight departure, port of Policyholder is being involuntarily retrenched from full time employment
call or destination airports, is excluded from this guarantee. in the Philippines. Claims arising from the Policyholder’s financial or
contractual obligations or those of his/her travelling companion, relative
The delay must be certified by the carrier company stating the reasons for the or business associate.
delay in the flight for either Delayed Departure, Missed Connection and
Diversion of Trip. Inconvenience Cash Assistance for Delayed Departure, Trip Postponement,
Missed Connection and Diversion of Trip (Not Receipted)
20) Trip Termination This benefit shall extend to cover for the inconvenience brought to the
The guarantee relating to trip curtailment comes into force from the time the Policyholder for Delayed Departure, Trip Postponement, Missed Connection
trip begins (boarding the means of transport used on the trip) and terminates and Diversion of Trip and covers purchases not receipted. The benefit is limited
on the day when the travel object of the insurance ends. to the amounts indicated on the Policy Schedule.

The guarantee will only be valid if the Travel Insurance is secured prior to the The Policyholder can be compensated only once for inconvenience cash
commencement of the trip departing from the Usual Country of Residence. The assistance for either Delayed Departure, Trip Postponement, Missed
Company will reimburse the Policyholder, up to a limit of the plan, for the Connection and Diversion of Trip.
proportional part (non-refundable) of the value of the journey forfeited,
including flight rebooking fees (if any). For this purpose, the travel must have The delay must be certified by the carrier company stating the reasons for the
been cut short due to any of the following causes: delay in the flight for Inconvenience Cash Assistance for either Delayed
a. Serious illness, serious bodily accident or death sustained by the Departure, Missed Connection and Diversion of Trip.
Policyholder or, pre-existing illness, serious illness, serious bodily accident
or death of immediate family member as defined in this policy. The 21) Baggage Delay
Policyholder shall furnish the vouchers or certificates of the event that The Company will pay the Policyholder, up to the limit as specified in the Policy
caused the journey to be cut short (example: death certificate). Schedule, for the purchase of necessary clothing and toiletries if the checked-
b. In the event of a burglary in which doors or windows were forced, fire or in baggage accompanying the Policyholder has been delayed, misdirected or
explosion in his/her Usual Place of Residence or own or rented business temporarily misplaced in delivery for more than six (6) hours from the time of
premises that renders them uninhabitable or under serious risk of further the arrival at the overseas destination.
damage occurring which warrant indispensably and immediately his/her
presence and the need to travel. The Policyholder shall furnish the Benefits will not be provided:
vouchers or certificate of the event that caused the journey to be cut short a. For claims not declared to the carrier company as soon as the Policyholder
(fire fighters’ report, report to the police, insurance Insurer report). knows the baggage is late or lost;
Note: b. For any clothing or toiletries that the Policyholder purchased beyond
The Policyholder can only claim once from one of these benefits namely, (i) Trip forty-eight (48) hours after the actual time of arrival at the airport of
Cancellation, (ii) Delayed Departure, (iii) Trip Postponement, (iv) Trip destination;
Termination for the same occurrence. c. When the baggage delay occurs on the return journey to Policyholder’s
Usual Country of Residence;
Specific exclusions on Cancellation, Termination: d. For purchases made after delivery of Policyholder’s baggage by the air
In addition to the General Exclusions to all the guarantees of this policy, travel carrier.
cancellations are not guaranteed when they are brought about by:
a. Any change of plans because the Policyholder or his/her travelling The Policyholder must obtain written confirmation of the length of the delay
companion change his/her mind and decide not to proceed with the from the carriers or their agents and must keep all receipts for the essential
original trip or choose not to travel; items bought. If luggage is permanently lost, the Company will deduct any
b. Any cost that would not have been incurred had the Policyholder told the payments made for luggage delay from the overall claim for luggage lost.
appropriate holiday company, including but not limited to tour operators,
travel agents, transport providers, or accommodation providers, as soon Inconvenience Cash Assistance for Baggage Delay (Not Receipted)
as the Policyholder knew that he/she had to cancel his/her trip; This benefit shall extend to cover for the inconvenience brought to the
c. The Policyholder being unable to travel due to a failure to obtain the Policyholder for the baggage delay and covers purchases not receipted. The
passport or visa needed for the planned trip, or failing to check in benefit is limited to the amounts indicated on the Policy.
according to the Policyholder’s itinerary or the time advised to him/her; The Policyholder can be compensated only once per covered trip for either
d. Cost which the Policyholder paid on behalf of any other person, unless that Baggage Delay OR Inconvenience Cash Assistance for Baggage Delay.
person is also a Policyholder named on the Policyholder’s Policy Schedule;
e. An aesthetic treatment, a cure, a travel or vaccination contraindication, The delay must be certified by an official baggage irregularity report duly issued
the fact that it is impossible to continue in certain destinations the by the carrier for both Baggage Delay and Inconvenience Cash Assistance for
preventive medical treatment advised; Baggage Delay.
f. Epidemics/Pandemic;
g. Non-emergency dental treatments and rehabilitation treatments; 22) Loss or Damage of Baggage
h. Mental or nervous illness or anxiety; A. Loss or Damage of Checked-In Baggage
i. Expense arising from illness or injury where Policyholder are proposing to The Company will pay for loss or damage to the Policyholder’s baggage during
travel against a doctor’s advice, are receiving, or are on a waiting list for the period of insurance up to the limits stated in the Policy Schedule. The limit
in-patient treatment in a hospital or nursing home have received a of the Company’s liability per item, pair, set that is inside the baggage shall be
terminal prognosis; Php 5,000, US$150 or Euro95 for Peso, Dollar and Euro plans respectively and
j. Any claim relating to a medical condition for which Policyholder received US$100 for the bag itself or the actual amount to replace the damaged luggage
treatment within the twelve (12) months prior to arranging cover; but the total of all shall not exceed the maximum limits as stated in the Policy
k. Pregnancy or childbirth; Schedule.
l. Policyholder failing to allow sufficient time to reach his/her departure
point from Policyholder’s Usual Country of Residence in time; Benefits will not be provided for claims not declared to the carrier company as
m. Claims arising from business (other than severe damage to your business soon as the Policyholder knows the luggage is lost or damaged.
premises) or employment, including but not limited to, not being able to

4
Without prejudice to the liability that might correspond to the carrier company d. Robbery while staying at a camping or caravan site, or in any non-
for the luggage as a whole, the Company shall indemnify the Policyholder in the permanent accommodation;
event of loss or destruction during transportation by the carrier company. The e. Damage suffered by luggage that is not adequately packaged or identified,
Company will compensate for lost checked-in baggage by an airline, only the as well as fragile or perishable goods;
portion that is not covered by the AIRLINE BAGGAGE LIMIT OF LIABILITY as set f. Wear and tear, depreciation, moth, vermin, mechanical or electrical
by the airline, up to the limit specified in the Policy Schedule, as a sum of both breakdown, any process of cleaning or restoration or alteration,
compensation payments, for the collection of baggage and possessions atmospheric or climatic conditions or any gradually operating cause;
checked in by each Policyholder, in the event of loss, robbery or total or partial g. Breaking of china, pottery, glass or other brittle articles, other than
destruction during the carriage by air performed by the carrier Insurer, for the photographic and telescopic lenses;
purpose of which the Policyholder shall furnish a list of the contents including h. Delay, detention or confiscation by Customs or other officials;
the estimated price and date of purchase of each item, as well as the settlement i. Loss or damage to sports equipment;
of the compensation payment by the carrier. Compensation payment for loss, j. Loss or damage to contact or corneal lenses, dentures, hearing aids, cycles,
robbery or partial destruction will be calculated according to the procedures unset precious stones, and property carried in connection with any
recommended by international carriage by air organizations. business, profession or trade;
k. Failure by Policyholder to take ordinary and reasonable precautions for
The minimum period of time that must elapse for the baggage to be considered the safety of Policyholder’s luggage, clothing and personal effects. Loss of
to have been lost once and for all will be that stipulated by the carrier Insurer, luggage when left unattended, other than when locked in secured
with a minimum of twenty-one (21) days. premises (hotels, etc.) or locked out of sight, in the boot of a motor
vehicle;
Valuable Articles, money, jewelry, debit/credit cards, and any type of document l. Any unaccompanied luggage;
are excluded from this guarantee. m. Losses resulting from currency fluctuations;
n. Sports equipment whilst in use;
Compensation payments received under this guarantee will be net of the o. Any article of a value greater than USD 200 if not accompanied by the
compensation received from the carrier company for the loss or damage of that original bills of purchase and proof of ownership;
baggage. p. Any article not documented on the police report, or other official report,
compiled at the time that the theft is reported to the respective authority;
The Policyholder must: q. Loss or damage to accessories and subscriptions of mobile/satellite
a. Lodge a formal complaint before the police at the place where it occurred, telephones;
duly listing the contents of the luggage and their economic value. Obtain r. Loss or damage to Valuable Articles;
a certificate of the said complaint; s. Loss or damage to Valuable Documents;
b. Present a written complaint before the carrier company, within the time t. Lack of Ordinary care: Policyholder must handle his/her luggage – and in
limits established by each company. Keep a copy of the same; and particular his/her Valuable Articles and Valuable Documents – with as
c. Make a list of the contents of the luggage and their value. much care as possible or use the safest storage space in order to prevent
loss or damage as much as possible;
B. Indemnity for loss of luggage or personal belongings not checked-in. u. Ordinary care is lacking among other things in case of transportation with
Up to the limit duly established in the Policy Schedule contracted by the a motor vehicle:
Policyholder, the Company shall indemnify for material losses sustained by the 1. If Policyholder leaves behind Valuable Articles and Valuable
Policyholder’s luggage or personal belongings, when travelling outside the Documents in a car, caravan/camper or motorcycle;
Usual Country of Residence, in cases of: 2. If the remaining luggage in the car, caravan/camper or on the
a. Theft; motorcycle is not stored in:
b. Robbery;  a separate, locked boot in a passenger car;
c. Burglary within hotel rooms, where these are duly locked.  a boot of a hatchback (3-door or 5-door) passenger car including
an estate car which has been covered by a roller sheet, back
Valuable items shall solely be covered against total loss due to theft, robbery, shelf or similar means;
burglary or when they are deposited in the safe of a hotel or the Policyholder  the interior of a camper, delivery van, car or caravan allowing
are wearing/ carrying them. Coverage for this benefit shall be up to 100% of the no outside view on the goods due to a properly fixed provision;
limit as specified in the schedule.  a properly fixed and locked luggage boot or luggage
compartment.
Any luggage or personal belongings placed inside a locked vehicle shall be 3. If during a stay, Policyholder fails to take the remaining luggage
covered when they are inside the trunk and out of sight of others. practically packed in suitcases or bags to the accommodation
address; in case of transportation in the common carrier;
The Policyholder must lodge a formal complaint before the police at the place 4. If during the flight or the journey by train, bus or boat Policyholder
where it occurred, duly listing the objects and their economic value; having has not transported Valuable Articles, Valuable Documents,
obtained a copy of said complaint, this must be sent to the Company. breakable goods, and hand luggage;
5. During a stay at the holiday destination: if Policyholder leaves
Exclusions specific to Loss or Damage of Baggage under item A and B above: Valuable Documents, Valuable Articles and luggage behind
In addition to the General Exclusions to all the guarantees of this policy, cover unattended in a space that is not properly locked.
shall not be provided for the following: In all these situations, there is no right to indemnification if in the given
a. Merchandise, material of a professional nature, collections, securities of situation Policyholder has failed to take the measures that could
any kind, identity documents and, in general, any paper documents and reasonably be expected of Policyholder in order to prevent or limit any
share instruments, credit cards, any contents stored on electronic and/or damage.
computer media, documents recorded on magnetic strips or filmed,
prosthesis, spectacles and contact lenses. For these purposes, laptops Safe measures include, among other things, storage in a safe of Valuable
shall not be considered professional material; Articles and Valuable Documents.
b. Any losses resulting from an object not delivered into the safekeeping of
a carrier simply being misplaced or forgotten; 23) Hijack
c. Damages due to normal usage or wear and tear, inherent vice or the Hijacking – Any seizure or exercise of control by force or violence or threat of
effects of the elements; force or violence and with wrongful intent, of a carrier.
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The Company will provide a daily allowance for a maximum of ten (10) days for a) Accidental Death
each full day for the delay or interruption of the journey in excess of a waiting In the event of accidental death of the Insured within one hundred-eighty
period of twelve (12) hours which prevent the Policyholder from reaching the (180) days after the date of the accident, the Sum insured as shown in the
scheduled destination of the carrier on which the Policyholder is a passenger as Policy Schedule will be paid to the Insured’s next of kin or legal
a result of hijack. representative upon receipt of Police Report, Death Certificate and any
This indemnity under this cover shall effect upon: document deemed necessary and required by the Company.
The exhaustion of the cover under Item Flight Delay- Outbound journey at the b) Permanent Total Disablement
commencement of the covered trip & Inbound journey at the end leg of the In the event that the Insured suffers an accidental Injury as hereinafter
covered trip when caused by hijack; or described, which results in the Total and Permanent Disablement of the
When there is interruption of the scheduled journey outside of the outbound covered person within one hundred eighty (180) days of the accident, the
journey from the Philippines and inbound to the Philippines. Company agrees to pay the Insured the Principal Sum Insured as shown in
The Policyholder must obtain written confirmation from the carriers or their the Policy Schedule provided the covered person satisfies the following
agents stating how long the hijack lasted before a claim is considered under this definition of Total Permanent Disablement:
section. Total and Permanent Disablement means complete inability to engage in
or attend to employment or occupation of each and every kind for the
PERSONAL LIABILITY BENEFIT remained of the covered person’s natural life.

BENEFITS FOR REIMBURSEMENT: Burial Assistance

24) Personal Liability Reimburses the Policyholder for the cost incurred for burial or cremation
This covers expenses the covered person may incur if the covered person services in the event of loss of life due to accident. This benefit shall be paid in
causes another person’s accidental death, bodily injury or damage to property addition to the Principal Sum in case of accidental death of the named
because of situations beyond the Policyholder’s control while travelling. Policyholder.

Specific exclusions on Personal Liability: Exposure and Disappearance

a. The Policyholder’s participation in any act of Civil or Foreign war, acts of When by the reason of an Accident covered by this policy, the Policyholder is
terrorism or sabotage, riots, public demonstrations, strikes and lock-outs; exposed to the elements and as a result of such exposure suffers a loss for
b. Any deliberate and wrongful damage or harm caused by the Policyholder; which indemnity is payable; and If the body of the Policyholder has not been
c. Any willful, malicious, or unlawful act by the Policyholder; found within one (1) year after the date of the Accident presuming loss of life;
d. Any non-pecuniary loss; such loss shall be covered under the terms of this policy.
e. Liability arising directly or indirectly by or through or in connection with
any mechanically propelled vehicle, aircraft or watercraft when the PERMANENT DISABLEMENT
Policyholder is the owner, driver or pilot thereof or if the person having
custody or control of such pilot or person is a servant, agent or person for DESCRIPTION OF DISABLEMENT PERCENTAGE
whom he is legally responsible; Loss of both hands, or of all fingers and both
f. Any damage caused by animals owned or kept by the Policyholder or by thumbs }
persons for whom he is legally responsible; Total loss of sight of both eyes…………………………… } 100%
g. Accidental loss or damage to property belonging to or held in trust by or Total paralysis……………………………......................... }
in the custody or control of the Policyholder or any of his employees or Injuries resulting in being permanently
any member of his family or household; bedridden……………………………………….... }
h. Any liability resulting from Policyholder’s practice of his profession or Any other injury causing permanent total
trade or liability attaching to the Policyholder by reason of an express term Disablement …………………………………….. }
of any contract; Loss of arm at shoulder …………………………………… 60%
i. Bodily injury to or sickness of any person who is under a contract of Loss of arm between shoulder and below ..……… 50%
employment, service, or apprenticeship with the Policy holder when such Loss of arm at below ………………………………..……… 47 ½%
injury arises out of and in the course of their employment by the Loss of arm between elbow and wrist …..…………. 45%
Policyholder; Loss of hand at wrist ………………………………..………. 42 ½%
j. Damage caused by or to buildings or parts of buildings owned, rented or Loss of four fingers and thumb of one hand ..…… 42 ½%
occupied by the Policyholder; Loss of four fingers ………………………………..……….… 25%
k. Any claim arising from a Policyholder being insane or under the influence Loss of thumb – both phalanges …………………….… 35%
of or affected by drugs, other than drugs prescribed by a licensed one phalanx ………………………….………….. 10%
Physician, intoxicating substance or solvents; Loss of index finger – three phalanges ……………... 10%
l. Liability for which indemnity is provided under any other contract of two phalanges …..……………………….……… 8%
insurance in the name of the Policyholder; one phalanx ……………..……………………..… 4%
m. From any loss, injury, damage or legal liability arising directly or indirectly Loss of middle finger – three phalanges ………….… 6%
from travel in to or through Afghanistan, Cuba, Democratic Republic of two phalanges …………………………………... 4%
Congo, Iran, Iraq, Liberia, Sudan or Syria; one phalanx ………………………………………. 2%
n. From any loss, injury, damage or legal liability suffered or sustained Loss of ring finger – tree phalanges ……..…………... 4%
directly or indirectly by the Policyholder if that Policyholder is a terrorist; two phalanges …………………………………... 3%
a member of a terrorist organization; a narcotic trafficker; or a purveyor one phalanx ………………………….……….….. 2%
of nuclear, chemical or biological weapons. Loss of Metacarpals – first of second (additional) 3%
third, fourth or fifth (additional)………… 2%
PERSONAL ACCIDENT BENEFIT Loss of leg – at hip ……………………………………………. 70%
between knee and hip …..………………….. 50%
BENEFITS FOR REIMBURSEMENT: below knee ……………………………………….. 35%
25) Personal Accident Loss of toes – all ………………………………………..……… 15%
Bodily injury occurring during the journey caused by violent accidental external great, both phalanges ………………….…………. 5%
and visible means which injury shall solely and independently of any other great, one phalanx ……………………….…….….. 2%
cause resulting to: other than great, if more than toe lost, each 1%

6
Eye: loss of – whole eye …………………………………… 30% TO WHOM PAYABLE
sight of …………………………………………….……. 30% Indemnity for loss of life of the Policyholder is payable to the beneficiary, if
surviving, to the Policyholder, otherwise, to the estate of the Policyholder. All
sight of, expect perception of light ……….. 30% other indemnities are payable to the Policyholder.
lens of …………………………………………………… 20%
Loss of hearing – both ears …………………….………… 50% GENERAL POLICY CONDITIONS
on ear ……………………………………….…..… 7% 1. ENTIRE CONTRACT CLAUSE:
This policy together with the endorsement, and the application if any,
Where the injury is not specified the Company will adopt a percentage of constitute the entire contract of insurance, any rider, clause, warranty or
disablement which in its opinion is consistent with the provisions of the Table. endorsement supporting to be part of the contract of insurance and which is
pasted or attached to this policy is not binding on the insured, unless the
The aggregate of all percentage payable in respect of any one accident shall not descriptive title or name of the rider, clause, warranty or endorsement is also
exceed 100% mentioned and written on the blank spaces provided in the policy. Unless
applied for by the insured, any rider, clause, warranty or endorsement issued
General Exclusions for Personal Accident benefit: after the original policy shall be countersigned by the insured, which
a. War, invasion, act of foreign enemy, hostilities (whether war be declared countersignature shall be taken as his consist to the contents of such rider,
or not); civil war, mutiny, direct participation in riot, strike and civil clause, warranty or endorsement.
commotion, rebellion, revolution, insurrection or military or usurped
power; or any war like operations; unless coverage is provided as specified None of the provisions, conditions and terms of this policy shall waived or
in this policy; altered except by endorsement signed by and authorized official of the
b. Fall of sideral bodies and meteorites; company and issued in accordance with the provisions, of Section 50 of the
c. Death or disablement occurring whilst the Policyholder is traveling in an Insurance Code.
aircraft other than one licensed for public passenger service and operated
by a regular Airline on a published schedule flight over a regular air route Written notice shall be given to the company at its Manila office specified
between two definitely established airports and in which the Policyholder herein or to any other of its Branch Offices or Agencies without unnecessary
is traveling as ticket holding passenger; delay but in any event within three (3) weeks of the occurrence of the injury in
d. Events arising from terrorism, mutiny or crowd disturbances; respect of which a claim is to be made.
e. Engaging in military duty;
f. Illegal acts or violations of the law; 2. All certificates information and evidence required by the company shall be
g. Extra Hazardous sports; furnished at the expense of the insured or his legal personal representative and
h. Anyone over the maximum insured age (per respective travel plan) at the shall be in such form and of such nature as the Company may prescribe. The
start date of the policy; insured as often as required shall submit to medical examination on behalf of
i. Intentionally self-inflicted injuries, suicide or any attempt thereat, while the Company at its own expense in respect of any alleged bodily injury. The
sane or insane; Company shall be in case of the death of the insured being entitled to have a
j. Pre-existing conditions. Pre-existing conditions are illnesses or injury for post mortem examination at its own expense. The insured shall as soon as
which the person has been under the care of a physician and has received possible after the occurrence of any injury obtain and follow the advice of a
medical care or advice or a condition for which a reasonable person should duly qualified medical practitioner and the Company shall not be liable for any
have sought treatment; consequence arising by reason of the insured failure to obtain or follow such
k. Alcoholism or under the influence of alcohol, drug addiction; advice and use such appliances or remedies as may be prescribed.
l. Engaging in aviation other than as a fare paying passenger;
m. Congenital anomalies and conditions; 3. The insured shall give notice in writing to the Company of any change in his
n. Hospital confinement for: address or in his profession or occupation or of the effecting of other insurance
o Rest cures; except Coupon against accident disease or sickness and on tendering any
o Periodic check-ups; premium for the renewal of this Policy shall give notice in writing to the
o Cosmetic or plastic surgery; Company of any sickness, disease, physical defect or infirmity with he has
o Any dental work, dental treatment or eye examination except as become affected or of which he has become aware since the payment of the
result of bodily injury; preceding premium.
o Mental or nervous disorders.
o. HIV, AIDS, sexually transmitted and venereal diseases; 4. ACTION AGAINST THE COMPANY CLAUSE: If a claim be made and rejected
p. Infectious diseases, sleeping sickness, malaria, Plaudism, yellow fever and, and an action or suit be not commenced either in the Insurance Commission or
in general, illnesses of any kind, fainting fits, syncope, strokes, epilepsy or court of competent jurisdiction within twelve (12) months from receipts of
epileptiforms and caused by any kind of loss of consciousness as a result notice of such rejection or in case of arbitration taking place as provided herein,
of an accident as the latter is defined in these General Conditions; within twelve(12) months after due notice of the award made by the arbitrator
q. Policy will not cover any sickness contracted or injury sustained by or arbitrators or umpire, then the claim shall for all purposes be deemed to
Policyholder before the effective date of coverage. have abandoned and shall not thereafter be recoverable hereunder.

Compensation shall be payable only when entire amount of the claim shall have 5. CLAIMS FORM: The company, upon receipt of a notice of claim shall furnish
been ascertained and proved to the satisfaction of the company. the claimant such as are usually required by the company for filling proofs of
loss. If such forms are not furnished by the company within fifteen (15) days
The consequences of accidents that occurred prior to the coming into force of after its receipts of such notice, the claimant shall be deemed to have complied
this insurance are also excluded, despite the fact that they become apparent with the requirements of this Policy as proof of loss submitting, within the time
during its lifetime, as well as the consequences or after-effects of an accident fixed in the policy for filing proofs of loss, written proof covering the
covered which become apparent after one hundred eighty (180) days from the occurrence, character and extent of the loss for which claims is made. All
date of the accident. certificates, information and evidence other than the usual claim forms, which
the company may reasonably require in support of a claim shall be furnished
by the Insured.

7
6. PROOF OF LOSS: Completed claim forms and written proof of loss must be c) Events or actions of the Armed Forces or Security Forces in
furnished to the company within ninety (90) days after the date of such loss. peacetime;
Failure to furnish such proof within the time required shall not invalidate nor d) Wars, with or without prior declaration, and any conflicts or
reduce any claim if it was not reasonably possible to give proof within such international interventions using force or duress;
time, and that the same was given as soon as it was reasonably possible. e) Those derived from radioactive nuclear energy;
f) Those caused when the Policyholder takes part in bets, challenges or
7. WHEN CLAIM IS PAYABLE: The amount of any loss for which the company brawls, except in the case of legitimate defense or necessity;
may be liable under this Policy shall be paid within thirty (30) days after proof g) Illness or injuries existing prior to the claim, unless expressly included
of loss is received by the company and ascertainment of the loss is made by in the Specific Conditions and subject to payment of the relevant
agreement between the Insured and the company or by arbitration but if such surcharge premium;
ascertainment is not had or made within sixty (60) days after such receipt by h) Those that occur as a result of the participation by the Policyholder
the company of the proof of loss, then the loss be paid within ninety (90) days in competitions, sports, and preparatory or training tests;
after such receipts. Refusal of failure to pay the loss with the time prescribed i) Extra Hazardous Sports;
herein will entitle the Insured to collect interest on the proceeds of the policy j) Participation in competitions or tournaments organized by sporting
for the duration of the delay at the rate of twice the ceiling prescribed by the federations or similar organizations unless specifically approved by
Monetary Board, unless such refusal or failure to pay is based on the ground the Company;
that the claim is fraudulent. k) The use, as a passenger or crew, of means of air navigation including
helicopters not authorized for the public transport of travellers;
8. CIVIL CODE PROVISION: It is hereby declared and agreed that the provision l) The accidents deemed legally to be work or labor accidents,
of Art. 1250 of the Civil Code of the Philippines (R.A. 386) which reads: consequence of a risk inherent to the work performed by the
“In case of extraordinary inflation or deflation of the currency stipulated should Policyholder.
supervene, the value of the currency at the time of establishment of the
obligation shall be the basis of payment and shall not apply in determining the 2. In addition to the previous exclusions, the following benefits are not covered
extent of liability under provisions of this policy.” by this policy:
a) The services arranged by the Policyholder on his/her own behalf,
9. RENEWAL CLAUSE: The Insured shall be entitled to renew this policy upon without prior communication or without the consent of Company’s
payment of the premium due on the effective date of the renewal unless the service provider except in the case of emergencies, in which case, the
company gives notice to the insured either by mail or delivered to the Insured Policyholder must furnish the Company with the vouchers and
at the address shown in the policy at least forty-five (45) days in advance at the original copies of the invoices;
end of the policy period of its intention not to renew the policy or to condition b) Pre-existing Illnesses or injuries arising from chronic ailments or from
its renewal upon reduction of limits or elimination of coverage. those that existed prior to the inception date of the policy;
c) Death as a result of suicide and the injuries or aftereffect brought
10. MEDIATION CLAUSE: In the event of controversy or claim arising out of or about by attempted suicide;
relating to this contract, or a breach thereof, the parties hereto agree first to d) Those derived from illnesses or pathological states caused by the
try and settle the dispute by mediation, administered by the Insurance voluntary consumption of alcohol, drugs, toxic substances, narcotics
Commission or any recognized mediation institution under its Mediation Rules, or medicines acquired without medical prescription, as well as any
before resorting to arbitration, litigation or some other dispute resolution kind of mental illness or mental imbalance;
procedure. e) HIV, AIDS, sexually transmitted and venereal diseases;
f) Epidemics/Pandemic;
11. ARBITRATION CLAUSE: If any difference or dispute shall arise with respect g) Those derived from renunciation of or delay, on the part of the
to the amount of the Company's liability under this Policy, the same shall be Policyholder or persons responsible for him/her, in the transfer
referred to the decision of a single arbitrator, to be agreed upon by both parties proposed by the Company and agreed by its medical service;
or, failing such agreement of a single arbitrator, to the decision of two (2) h) Rehabilitation treatments;
arbitrators, one to be appointed in writing by each of the parties within one (1) i) Alternative medicines & procedures such as chiropractic
calendar month after having been required in writing to do so by either of the procedures, acupuncture, herbal medicines and other similar
parties and, in case of disagreement between the arbitrators, to the decision of procedures and treatment;
an umpire who shall have been appointed in writing by the arbitrators, before j) Prosthesis, orthopedic material or orthesis and osteosynthesis
entering on the reference, and the costs of and expenses incidental to the material, as well as spectacles;
reference shall be dealt with in the award. And it is hereby expressly stipulated k) Those derived from pregnancy and childbirth, or for a complication
and declared that it shall be a condition precedent to any right of action or suit therefore or voluntary termination of pregnancy;
upon this Policy that the award by such arbitrators or umpire of the amount of l) Those derived from baggage that is not sufficiently identified, as well
the Company's liability hereunder, if disputed, shall be first obtained. as fragile/breakable baggage or perishable products;
m) Assistance or compensation for events that occurred during a trip
GENERAL EXCLUSIONS: that had commenced, in any of the following circumstances:
1. On a general basis for all the guarantees and coverage, the consequences of  Before this insurance comes into force;
the following are excluded from the guarantee object of this Agreement:  With the intention of receiving medical treatment;
a) Those caused directly or indirectly by the bad faith of the  After the diagnosis of a terminal illness; or
Policyholder, by his/her participation in criminal acts, or as a result  Without prior medical authorization, after the Policyholder had
of his/her fraudulent, seriously negligent or reckless actions. The been under treatment or medical supervision during the twelve
consequences of the actions of the Policyholder in a state of (12) months prior to the start of the trip.
derangement or under psychiatric treatment is likewise not covered; n) Expenses that arise or incurred beyond the scope of application of
b) Events arising from terrorism, mutiny, large concentrations of the guarantees of the insurance, and, in any case, after the dates of
people, crowd disturbances and human stampedes. These may be the travel object of the Agreement have elapsed
related, but are not limited to entertainment events, sporting events,
religious events, funeral processions, riots, power failure, goods 3. The Company is exempt of liability when, as a result of force majeure, it is
distribution, escalators and moving walkways, insurrections, unable to put into effect any of the benefits specifically envisaged in this policy.
commotions or other similar occurrences;

8
DEFINITION OF TERMS: country skiing on the normally marked public open tracks, snowboarding, big
Accident: The bodily injury sustained during the life of the contract, which foot skiing, ballooning (as an organized excursion), mono-skiing and any sport
derives from a violent, sudden, external cause and one that is not intended by involving an extra risk of accident. Participation in these activities may be
the Policyholder. The following will also be construed to be accidents: covered by payment of an additional premium. Participation in competitions or
a. Asphyxia or injuries as a consequence of gases or vapors, immersion or tournaments organized by sporting federations or similar organizations is not
submersion, or from the consumption of liquid or solid matter other than included unless approved in writing by the company.
foodstuffs;
b. Infections resulting from an accident covered by the policy; Illness: Any change in health diagnosed and confirmed by a legally recognized
c. Injuries that are a consequence of surgical operations or medical doctor during the life of the policy and which is not comprised in either of the
treatments resulting from an accident covered by the policy; two groups below:
d. The injuries sustained as a result of self-defense. Congenital disease: that exists at the moment of birth as a consequence of
hereditary factors or complaints acquired during pregnancy.
Acts of Nature: Natural disasters limited to volcanic eruption, earthquake, Pre-existing disease: sickness suffered by the Policyholder prior to the inception
flood, typhoon, storm, cyclone, tornado, hurricane and tsunami only. date of the policy.

Bodily injury: Caused by violent accidental external and visible means which Immediate Family Member: Shall mean the insured’s immediate family
injury shall solely and independently of any other cause resulting to member up to:
a. first degree based on affinity, including mother-in-law and father-in-law or;
Burglary: Shall mean the felonious taking of a property from within a building b. second degree based on consanguinity.
involving entry to or exit from such building by actual force and violence of
which there shall be visible marks made upon the building at a place of such Infectious diseases: Are caused by pathogenic microorganisms, such as
entry or exit by tools, explosives, electricity or chemicals. bacteria, viruses, parasites or fungi; the diseases can be spread, directly or
indirectly, from one person to another.
Common Carrier: The Common Carrier object of this guarantee will be
understood as those hired to carry out the trip object of this insurance and will Injury: A medical problem caused by a sudden and severe external reason
remain limited to the plane, ship, train, or coach, including when going into and beyond the control of the Policyholder, within the validity period of this policy.
going out of the above-mentioned way of transport. Equally Accidents via
public transport (limited to taxi, tramway train, bus, train, underground train) Loss: Any kind of loss except mysterious disappearance and negligence.
during the direct route between the point of departure or arrival (domicile or
hotel) up to the end of the trip (station, airport, port). Maintenance expense: Expense for food, clothing, personal effects and
monetary allowance.
Company: Standard Insurance Co., Inc.
Manual Labor: Is work that is physical, including, but not limited to
Congenital disease: That exists at the moment of birth as a consequence of construction, installation, assembly and building work. This does not include
hereditary factors or complaints acquired during pregnancy. bar and restaurant staff, musicians and singers and fruit pickers (who do not
use machinery).
Damage(s): The deterioration or destruction of inanimate objects and damages
caused by animals. Mechanical breakdown: Means mechanical failure of the carrier or specified
vehicle which prevents it from being operated at all.
Emergency: A condition wherein the Policyholder is in severe pain or suffers
serious illness or injury that requires immediate medical or surgical attention Medical Evacuation: The timely and efficient movement under appropriate
which, if not rendered, may inevitably result in loss of a vital function of the medical supervision by necessary mode of transport to the nearest medical
body, or the loss of life or limb or eye sight. facility capable of providing required care when an adequate medical facility is
not available proximate to the Policyholder.
Epidemics: Is the rapid spread of disease to a large number of people in a given
population within a short period of time. An epidemic may be restricted to one Medical Repatriation: Transfer of the Policyholder to his/her residence in the
location; however, if it spreads to other countries or continents and affects a Usual Country of Residence or to a medical or rehabilitation facility near the
substantial number of people, it may be termed a pandemic. Policyholder’s residence under medical supervision.

Extra Hazardous Sports: Means American Football, rugby, bungee jumping, Orthopaedic material or orthesis: Anatomical parts or items of any kind used
caving, horse riding, parachuting, trekking above 2,500 meters, aviation other to prevent or correct temporary or permanent deformations of the body such
than as a fare-paying passenger on a scheduled flight, hang-gliding, microlight as, but not limited to walking sticks, cervical collar, and wheelchair.
flying, mountaineering with the use of ropes, rock climbing with the use of
ropes, scuba diving, white water canoeing, white water rafting, water skiing, off Osteosynthesis material: Parts or pieces of metal or of any other kind used to
piste skiing and off piste snowboarding. Participation in these activities is never join together the ends of a fractured bone, or to knit together the tips of joints,
covered under the terms of this policy. by surgical operation and which can be reused.
Also means dangerous sports such as fighting or self-defense sports, (semi)
professional sports, racing of any kind other than on foot, mountaineering Pandemic: Is an epidemic occurring on a scale that crosses international
expeditions, deep sea diving, solo sea-sailing, ski jumping, gliding, horse riding, boundaries, usually affecting a large number of people.
pot holing, free climbing without ropes, motor sports, use of fire- or other arms,
yachting out of territorial waters and any other sport involving an exceptional Personal Effects: Shall mean cash, cheques, jewelry, all kinds of mobile and/or
risk of accidents. Participation in these activities is never covered under the portable electronic and electrical devices, wallets, handbags and its contents.
terms of this policy.
Policyholder: The natural person identified in the Specific Conditions of the
Flat battery: Faulty battery which causes breakdown to the vehicle. policy, and who is entitled, where fitting, to the rights derived from the
contract.
Hazardous Sports: Such as abseiling (rappelling), ice-skating, off-road mountain
biking, ice hockey, canyoning, bobsleighing, rodelen, downhill skiing and cross-

9
Pre-existing Condition: Is defined as a medical condition that the Policyholder  Sleep Apnea
suffered two (2) years prior to the inception date of the policy, whether or not Renal
the Policyholder is aware of such condition. A pre-existing condition may pre-  Chronic Kidney Disease/ Failure (from whatever cause, e.g. Diabetic or
dispose the Policyholder to certain medical emergencies, which are exclusions Hypertensive Nephropathy)
from this policy.  Urinary Stones/ Calculi
o Nephrolithiasis, Ureterolithiasis, Cystolithiasis
For purposes of this Policy the list of Pre-existing conditions/illness is listed Rheumatologic
below but is NOT limited to the following:  Collagen Vascular/ Connective Tissue Disorders
 Systemic Lupus Erythematosus (SLE/ Lupus)
INTERNAL MEDICINE o Sjogren’s Syndrome
Cardiovascular o Scleroderma
 Hypertension  Mixed CTD
 Coronary Artery Disease Chronic Arthritides
- including Acute Myocardial Infarction, Unstable Angina, Chronic Stable Angina o E.g. Gout/Gouty (and other crystal-related) Arthritis, Osteoarthritis,
Pectoris Rheumatoid Arthritis
 Aortic Aneurysm  Amyloidosis
 Congenital Heart Disease  Sarcoidosis
 Rheumatic Heart Disease  Osteoporosis
Gastrointestinal
 Esophageal Varices SURGICAL
 Duodenal or Gastric Ulcers General Surgery
 Inflammatory Bowel Diseases (Crohn’s Disease, Ulcerative Colitis  Colonic Polyps
 Chronic Liver Disease/ Liver Cirrhosis  Hemorrhoids (Internal or External)
 Chronic Viral Hepatitis  Hernias (Inguinal or Abdominal)
 Alcoholic Liver Disease  Cholecystitis
Endocrine  Cholecystolithiasis/ Choledocholithiasis ( Gallbladder Stones/ Biliary Tree
 Diabetes Mellitus (Types 1 & 2) Stones)
 Chronic Thyroid Diseases Obstetric/ Gynecologic
o Hyperthyroidism/ Grave’s disease  Endometriosis
o Hypothyroidism/ Myxedema  Cervical Polyps
o Goiter – nodular or diffuse, hyperthyroid or hypothyroid or euthyroid Ophthalmologic/ Otorhinolaryngology
 Dyslipidemia/ Hyperlipidemia/ Hypercholesterolemia  Cataract
Hematologic  Glaucoma
 Leukemias (Acute or Chronic Lymphoblastic Leukemia/ Acute or Chronic  Chronic Tonsilitis (Chronic Suppurative Tonsilitis)
Myeloblastic Leukemia)  Deviated Nasal Septum
 Iron Deficiency Anemia and other chronic hypoproliferative anemias  Nasal Polyposis (Nasal polyps)
 Hemoglobinopathies/ Thalassemias  Chronic Sinusitis
 Aplastic Anemia/ Myelodysplastic Syndrome (MDS)/ Pure Red Cell Aplasia Orthopedic
(PRCA)  Hallux valgus
 Polycythemia Vera and other myeloproliferative diseases  Scoliosis
Immunologic/ Allergic  Spondylosis
 Allergic Rhinitis  Arthritides (see Rheuma)
 Atopic Dermatitis/ Atopic Eczema
 Hereditary Angioedema Principal Insured: Head of the family covered under a policy.
 Primary Immunodeficiencies (e.g. Common Variable Immunodeficiency or
CVID) Professional fees: As distinct from surgeon and Anesthesiologist’s fees, fees
Infectious Diseases paid to licensed medical professionals including but not limited to an
 AIDS occupational therapist, physiotherapist, and acupuncturist, attending
 Tuberculosis (Pulmonary/ Extrapulmonary or TB of any other organ) physician’s visits or pathologists.
Neurologic
 Cerebrovascular Accidents/ Disease (Ischemic or Hemorrhagic Stroke) Prosthesis: These are deemed to be any item of any kind that temporary or
 Cerebral Aneurysms permanently replace the lack of an organ, tissue, organic fluid, member or part
 Epilepsy of any of them. By way of an example, mechanical or biological items such as
 Myasthenia Gravis cardiac valve parts, joint replacements, synthetic skin, intraocular lenses,
 Muscular Dystrophies biological materials (cornea), fluids, gels and synthetic or semi synthetic liquids
 Multiple Sclerosis that replace organic humours or liquids, medicine reservoirs, mobile oxygen
 Amyotrophic Lateral Sclerosis (ALS/ Lou Gehrig’s Disease) therapy systems, etc.
Oncologic
 Any tumor (whether benign or malignant), including cysts and polyps Regular Sports: Means athletics, go-karting, trekking up to 2,500 meters, cross
 Any Cancer/ Malignancies/ Neoplasms country running, soccer, surfing, windsurfing, golf, mountain biking on the road,
Pulmonary baseball, fencing, sailing, cricket, cycling, canoeing, rowing, basketball,
 Bronchial Asthma/ Asthma volleyball, jogging and any other sport activities not involving extra risk.
Participation in these activities is always covered without paying additional
 Chronic Obstructive Pulmonary Disease (COPD)
premium. Participation in competitions or tournaments organized by sporting
o Emphysema, Chronic Bronchitis
federations or similar organizations is not included unless approved in writing
 Bronchiectasis
by the company and subject to additional premium.
 Cystic Fibrosis

10
Relatives: Relatives shall be taken to refer solely to spouses, children, parents, FAMILY PLAN
grandparents, grandchildren, siblings, and parents-in-law, sons-in-law, Qualified dependents for a Family Plan: The Principal/Policyholder, the Spouse,
daughters-in-law, brothers-in-law and sisters-in-law of the Policyholder, except up to sixty (60) years old, and maximum of five (5) children, up to twenty-one
specific provisions of each Cover or Guarantee. (21) years old, travelling with the same itinerary/destination, same travel dates
and same conveyance.
Robbery: Shall mean felonious act of taking of personal property with the use
of violence or intimidation against persons or force upon things. The Spouse and each child will enjoy seventy-five (75) percent of the coverage
of the Principal/Policyholder for all the benefits, except those indicated as being
Serious accident: An accident which, in the opinion of the Company’s medical covered for actual expense, while Personal Accident benefit is at fifty (50%)
team, prevents the Policyholder from starting the trip or continuing it on the percent of the coverage of the Principal/Policyholder.
date planned, or which involves risk of death.
The maximum limit of the Personal Accident Benefit for the entire Family
Serious illness: A change in health that requires admission to hospital and (including the Principal/Policyholder) will not exceed 300% of the Personal
which, in the opinion of the Company’s medical team, prevents the Accident Benefit of the Principal/Policyholder. For all other benefits, the
Policyholder from continuing travel on the date planned, or which involves risk maximum benefit limit of the entire family (including the
of death Principal/Policyholder) will not exceed 400% of the benefits of the
Principal/Policyholder.
Serious injury: An injury which, in the opinion of the Company’s medical team,
prevents the Policyholder continuing travel on the date planned, or which TYPES OF ANNUAL PLANS
involves risk of death. Travel Protect Annual (Multi Trip) – Period of coverage for annual plan is for an
unlimited number of trips per year, provided each trip does not exceed ninety
Sunset limitation: Refers to an airport’s lack of night capacity due to insufficient (90) consecutive days per trip.
runway lighting.
Travel Protect Annual (Single trip) – Period of insurance is up to a maximum of
Theft: Is committed by any person who, with intent to gain but without violence three hundred sixty-five (365) consecutive days per trip.
against or intimidation of persons nor force upon things, shall take personal
property of another without the latter's consent. CANCELLATIONS
Cancellation of this cover shall only be allowed for Policyholders with denied
Trip: Journey from the Usual Country of Residence and ends when the visa applications upon presentation of a denial letter issued by the embassy or
Policyholder returns to point of origin. prior to the commencement of the scheduled flight. Refund of premium shall
be exclusive of applicable taxes and service fees.
Usual country of residence: Country of Origin

Usual place of residence: The locality where the Policyholder usually resides, IMPORTANT NOTICE
which as specified in the Special Conditions should be in the Country of Origin, The Insurance Commissioner, with offices in Manila, Cebu, and Davao, is the
and to where the emergency repatriations and returns envisaged in this Policy Government official in-charge of the faithful execution and enforcement of all
will be made. laws relating to insurance and has supervision over insurance companies. He is
ready at all times to render assistance in settling any controversy between an
Valuable Article/Valuable item: An article, any goods or any personal insurance company and a policyholder relating to insurance matters.
belongings with value greater than USD 500. Camera and Photographic, audio,
video and electrical equipment (including cd’s, dvd’s, video and audio tapes and Claim/Loss notification should be made within thirty (30) days from the Date of
electronic games), portable audio or media players and their accessories the incident, otherwise no claim shall be entertained.
including but not limited to ipods or other MP3 players, computer equipment,
binoculars, antiques, jewelry, watches, furs, silks, objects made from precious Submission of all relevant documents must be within thirty (30) days from
metals, paintings, object d’ art, silver and gold articles, unique objects, mobile expiry of the Travel Policy. Failure of the claimant to submit necessary
telephones and their accessories, rifle, hunting guns, as well as their optical documents within the given period shall be deemed abandonment of the claim.
accessories, wheelchairs and medical appliances.
THIS POLICY IS VALID IN ALL SCHENGEN MEMBER STATES INCLUDING: Austria,
Valuable Document: A valuable document such as money, checks, bank cards Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece,
and travel documents. Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta,
Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden and
Switzerland.

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 LIST OF CLAIMS DOCUMENTS REQUIRED
(WHEN FILING A TRAVEL INSURANCE CLAIM)
I. COMPULSORY DOCUMENTS FOR ALL CLAIMS

1 Completed Claims Form 4 Copy of Flight Itinerary & Boarding Passes

2 Incident Report / Affidavit of Loss 5 Copy of Passport (pages with details and dates stamped for entries and departures)
3 Original Official Receipts of all 6 Birth Certificate (if claimant is a minor)
payments made

II. OTHER SUPPORTING DOCUMENTS FOR EACH BENEFIT

EMERGENCY MEDICAL ASSISTANCE accommodation to go to the place where documents will incident;
be issued; c. Copy of the flight itinerary of the actual time and date of
MEDICAL TREATMENT* c. Original receipts for costs or fees to obtain new travel departure.
FIRST MEDICAL ASSISTANCE (in case of Pre-existing document.
illness):* 21. BAGGAGE DELAY:
a. Original medical report / abstract with Medical History of 12. LOCATION AND FORWARDING OF LUGGAGE:* a. Original Property Irregularity Report (P.I.R.) from airline;
present illness; a. Original formal complaint before the police at the place b. Original receipts of articles of basic necessity purchased
b. Clinical Test / Laboratory Results; where then incident occurred, duly listing the contents of due to delay of luggage;
c. Detailed Original Hospital Statement of Account ; the luggage and their economic value; c. Original acknowledgement receipt/form stating the exact
d. Copy of Operative and/or Histopathology Reports (if b. Written complaint before the airline company, within the date and time when the baggage was received by the
applicable); time limits established; Insured.
e. Police report (if applicable). c. Certificate of the said complaint. Property Irregularity
Report (P.I.R) from airline; INCONVENIENCE CASH ASSISTANCE FOR 16, 18, 19 &
3. HOSPITAL CONFINEMENT: d. List of contents of the luggage with estimated price and 21 (NOT RECEIPTED):
a. Original medical report/abstract with Medical History of date of purchase of each item; a. Original Property Irregularity Report (P.I.R.) from airline.
present illness; e. Photograph of the damaged item and the original receipt
b. Medical certificate from physician or hospital, Clinical and/or quotation for the repair; 22. LOSS OR DAMAGE OF BAGGAGE:
Test/Laboratory Results; f. Original certification of settlement of the a. Original formal complaint before the police at the place
c. Copy of Operative and/or Histopathology Reports (if compensation payment by the airline company. where then incident occurred, duly listing the contents of
applicable); the luggage and their economic value;
d. Police report (if applicable. Example: accidents). 13. LOSS OF PERSONAL MONEY: b. Written complaint before the airline company, within the
Police Report & any document that will show/proof of the time limits established;
4. EMERGENCY DENTAL CARE: possessions such as bank/withdrawal and ATM receipt, c. Certificate of the said complaint. Property Irregularity
a. Original medical report/abstract with Medical History of etc. Report (P.I.R) from airline;
present illness; d. List of contents of the luggage with estimated price and
b. Medical certificate from physician or hospital, Clinical 14. CAR RENTAL EXCESS PROTECTION:* date of purchase of each item;
Test/Laboratory Results; a. Receipt of Car Rental; e. Photograph of the damaged item and the original receipt
c. Copy of Operative and/or Histopathology Reports; b. Police Report; and/or quotation for the repair;
d. Police report (if applicable. Example: accidents). c. Insurance documents from the third party stating the f. Original certification of settlement or non-settlement of the
amount of deductible that has to borne by our Insured. compensation payment by the airline company;
EMERGENCY TRAVEL ASSISTANCE g. If repairable, a copy of the Repair Quotation; If not
15. TRIP CANCELLATION repairable, Certification from the Repair Center that the
5. EMERGENCY MEDICAL EVACUATION / 20. TRIP TERMINATION: luggage is beyond repair.
REPATRIATION:* a. Original medical report and/or Death Certificate of the (The Insured is required to surrender the damaged
(Transport or repatriation in the event of covered Insured Person or the immediate family member. luggage to the Insurance Company c/o Claims
illness/accident) Arranged by Emergency Assistance (Documents must reflect the date of occurrence, Department)
Provider. admission to hospital, death, accident, the diagnosis, the
clinical background and treatment prescribed); 23. HIJACK:
6. REPATRIATION OF MORTAL REMAINS:* b. Proof of occurrence of covered incident such as police Certification from the airline regarding the Incident.
Arranged by Emergency Assistance Provider. report, fire fighter’s report, investigation/verification report,
etc. (Document must include date of accident, type of PERSONAL LIABILITY BENEFIT
7. CARE OF MINOR CHILD/REN:* damage in case of fire loss):
a. Original medical report / abstract with Medical History of c. Proof of relationship between Insured Person and the 24. PERSONAL LIABILITY:
present illness; immediate family member; a. Original Police report;
b. Medical certificate from physician or hospital; d. Certification/Affidavit stating the reason for the trip b. Should be reported to the Emergency Assistance
c. Clinical Test / Laboratory Results; cancellation – same as incident report; Provider.
d. Copy of Operative and/or Histopathology Reports; e. Original copy of invoice and receipts for proof of advance
e. Police report (if applicable. Example: accidents); payment made for transportation and accommodation PERSONAL ACCIDENT BENEFIT
f. Original Invoice & Official Receipt of the transportation and expenses issued by the agency or directly by the
hotel expense of family member who took care of the wholesaler (Airline & Hotel) and a copy of the travel 25. PERSONAL ACCIDENT:
minor child; voucher issued by the agency; a. Copy of Death Certificate;
g. Copy of flight itinerary and official receipts of Airfare. f. Any satisfactory legal document proving trip b. Original Police Report;
cancellation/trip termination with the non-refundable c. Copy of Medical Report or Medical Certificate;
8. COMPASSIONATE VISIT:* portion specified: d. Relevant legal Documents of the Beneficiaries
a. Original medical report / abstract with Medical History of 1. Certification of Airline Company to the travel agency establishing the relationship to the Insured Cardholder;
present illness; or client stating that the carrier can’t refund the airfare. e. Any Documents deemed necessary by the Insurance
b. Medical certificate from physician or hospital; (KINDLY PROVIDE THE TERMS AND CONDITIONS OF Company.
c. Clinical Test / Laboratory Results; THE TICKET REFLECTING THAT THE BOOKING IS
d. Copy of Operative and/or Histopathology Reports; NON-REFUNDABLE OR REBOOKABLE);
e. Police report (if applicable. Example: accidents); 2. Certification from the Tour Operator or Hotel FOR ALL CLAIMS AND ASSISTANCE, PLEASE CALL THE
f. Original Invoice & Official Receipt of the transportation and regarding non-refundable policies when reservation was EMERGENCY ASSISTANCE PROVIDER HOTLINE NUMBER
hotel expense of family member who took care of Insured made and paid. (KINDLY PROVIDE THE TERMS AND
Person; CONDITIONS OF THE TOUR COMPANY OR THE +632 8 8451111
g. Copy of flight itinerary and official receipts of Airfare. HOTEL BOOKINGS).
OR VIBER NUMBER +63 998 8451111
9. DELIVERY OF MEDICINES:* The guarantee will only be valid if the travel insurance was
Arranged by Emergency Assistance Provider. bought at the time of booking of the trip or at least three *Cashless Basis
(3) days prior to Insured’s departure date provided that
10. RELAY OF URGENT MESSAGES: Insured has no knowledge of any unforeseeable
Arranged by Emergency Assistance Provider. circumstances that will possibly lead to cancellation of the IMPORTANT NOTICE:
a. Copy of Billing from the Telephone Company. trip.  Advice of Loss should be made within thirty (30) days from the Date
of the incident, otherwise no claim shall be entertained.
16. DELAYED DEPARTURE  Submission of all relevant documents must be within thirty (30)
TRAVEL INCONVENIENCE BENEFIT 17. TRIP POSTPONEMENT days from expiry of the Travel Policy. Failure of the claimant to
18. MISSED CONNECTION submit necessary documents within the given period shall be
11. LOSS OF TRAVEL DOCUMENTS:* 19. DIVERSION OF TRIP: deemed abandonment of the claim.
a. Original Police report from the place where incident a. Original Certification from Airline stating the reasons for  All documents to be submitted shall be in English.
occurred; the delay in the flight;  The Company reserves the right to require additional documents
as it may consider necessary to support the claim.
b. Original receipts of expenses for transportation and/or b. Original official receipts of expenses incurred due to

12
IMPORTANT INSTRUCTIONS:

1. Please contact the assistance hotline immediately (+632 8 8451111) in case you need emergency assistance while travelling. Failure to call may be a ground for denial of the claim.
2. For claims processing, all necessary documents have to be submitted. The company reserves the right to request additional documents as deemed necessary.
3. Submission of required documents does not guarantee approval of your claim. The submitted documents will be reviewed and evaluated. Subject to limits, terms and conditions of
your existing Travel Policy.
4. This form, together with the required claim documents, must be submitted within thirty (30) days from the expiry date of travel policy. (Please refer to the attached “List of Required
Claims Documents”). Failure of the claimant to submit necessary documents within the given period shall be deemed abandonment of the claim.

AUTHORITY: I hereby authorize Standard Insurance Co., Inc. and its authorized representatives to request and receive any information, document or record from any hospital, clinic, laboratory, attending
physician and other health service provider, which information or document relates to any examination laboratory results, medical history and/or treatment in connection with this claim, and such other matters
related thereto.

RELEASE & SUBROGATION: Payment received by me in relation to this claim shall constitute as full, final and complete settlement. I further agree that the Company is subrogated to my rights of recovery on
all claims and rights of actions to the extent of the payments made and/or on account of the losses incurred or which may be incurred by the Company against any person, corporation or entity in connection
with the claim and I further agree to authorize the Company to commence all legal actions and proceedings necessary to enforce my claim or recovery thereof with any undertaking to extend my cooperation or
assistance whenever necessary.

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DECLARATION: I declare that all data/statements found herein and on all pages of this form are complete and true, whether written by me or by anyone else on my behalf, shall be binding on me, and that the
amounts being claimed herein are lawfully due to me under the terms and conditions of the policy.