Protection
Put yourself at ease by protecting those you love
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{{label}}Life Protection
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You are not always guaranteed about what tomorrow might bring. So BPI AIA offers you a simple starter plan exclusive to BPI account holders that provides you and your loved ones basic protection against accidents and unexpected hospitalization needs.
PamilyaProtect is an affordable and easy-to-purchase life insurance coverage designed to protect you and your whole family from medical emergencies. It provides you and your loved ones insurance coverage in cases of sudden death, disability, or dismemberment too. Finally, the plan also gives you a daily hospital income benefit to help you manage hospital expenses in times of unwanted illnesses or accidents.
Get your PamilyaProtect plan today, and enjoy the peace of mind knowing that you and your family are protected from tomorrow’s uncertainties.
Get as much as ₱2,000,000 life insurance coverage for covered causes of death. BPI AIA will pay a guaranteed death benefit equal to the Face Amount upon the death of the insured.
Receive as much as ₱2,000,000 additional insurance coverage in case of accidental death, disability, or dismemberment. BPI AIA will pay a lump sum amount in case of death, and in case of disability or dismemberment as a result of an accident within 180 days of the accident’s occurrence, the amount will vary depending on the schedule of benefits.
Receive as much as ₱1,000 daily hospital income benefit per full day of confinement – for up to 365 days due to the same confinement (for policy owner only).
For around ₱500 per month, you may already avail either a ₱1M or ₱2M coverage.
Feel extra protected as the coverage may be extended to your spouse, children, parents, and siblings.
Get the plan with just a few clicks through navigating Facebook Messenger.
There are two plan options to choose from:
Member | Plan ₱1M | Plan ₱2M | ||||
---|---|---|---|---|---|---|
Life Insurance | Accidental Death, Dismemberment, Disability | Daily Health Income Benefit | Life Insurance | Accidental Death, Dismemberment, Disability | Daily Health Income Benefit | |
Main Insured | ₱1,000,000.00 | ₱1,000,000.00 | ₱1,000.00 | ₱2,000,000.00 | ₱2,000,000.00 | ₱1,000.00 |
Adult Dependents (Spouse/Parents) | ₱1,000,000.00 | ₱1,000,000.00 | N/A | ₱2,000,000.00 | ₱2,000,000.00 | N/A |
Minor Dependents (Children/Siblings) | ₱1,000,000.00 | ₱1,000,000.00 | N/A | ₱2,000,000.00 | ₱2,000,000.00 | N/A |
Notes: Above figures are PamilyaProtect coverage amounts
It’s time to get yourself and your loved ones protected! Avail the BPI AIA PamilyaProtect today and enjoy your peace of mind tomorrow!
Life Insurance Benefit
If a Member dies by suicide within one (1) year from the effective date or latest reinstatement date, whichever is later, of such Member’s individual insurance coverage, the Company’s liability shall be limited to a return of premiums paid for such Member’s coverage. However, suicide committed in a state of insanity shall be compensable regardless of the date of commission.
Accidental Death, Dismemberment and Disability Benefit Exclusions
No payment under this benefit shall be made for any loss 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 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 homicide or assault, or any attempt thereof, or physical injuries, occasioned by the provocation of the Member;
(e) by congenital anomalies and conditions arising therefrom;
(f) by pregnancy and resulting childbirth, miscarriage or abortion;
(g) by cosmetic or plastic surgery, except as a result of Injury;
(h) while the Member is in active service in the Armed Forces of any country or any international authority;
(i) while in any attempted commission of, or willful participation by the Member in any crime punishable under any prevailing law or ordinance of the Philippines or of any country in which the crime was attempted;
(j) while resisting lawful arrest;
(k) while entering, leaving, operating, servicing, or being in, on, or about any aerial or submarine device or conveyance, except while as a passenger (not as an operator or crew member), boarding or alighting from a certified passenger aircraft provided by a commercial airline on any regular, scheduled or non-scheduled, special or chartered flight, and operated by a properly certified pilot flying between duly established and maintained airports over an established passenger route;
(l) by dental care or surgery except to natural teeth as occasioned by Injury;
(m) while under the influence of alcohol or unprescribed drugs;
(n) by alcoholism or drug addiction;
(o) by disease, bacterial infection or out of or consequent upon or contributed to by Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC);
(p) 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;
(q) by circumcision, sterilization, artificial insemination, sex transformation, diagnosis and treatment of infertility, congenital deformities and defects;
(r) by mental or nervous disorders;
(s) by poison, gas or fumes voluntarily or involuntarily taken;
(t) by automobile and motorcycle racing, judo, karate and similar martial arts, scuba diving, hang gliding and sky-diving;
(u) by routine health checks, any investigation(s) not directly related to admission diagnosis, illness or injury, or any treatment or investigation which is not medically necessary, or convalescence, custodial or rest care
Hospital Income Benefit Exclusions
No payment shall be made under this benefit for Illness, Injury, Hospitalization or any charges caused directly, 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, frustrated homicide or any attempt thereof, or physical injuries, occasioned by the provocation of the Member;
(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 Member 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 Assured, shall return the pro-rata premium for any such period of service;
(j) while in any attempted commission of, or willful participation by the Member 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 specifically provided herein;
(m) by dental care or surgery except to natural teeth as occasioned by Injury;
(n) routine health checks, any investigation(s) not directly related to admission diagnosis, illness or injury, or any treatment or investigation which is not medically necessary, or convalescence, custodial or rest care;
(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 automobile and motorcycle racing, judo, karate and similar martial arts, scuba diving, hang-gliding and sky-diving;
(v) by poison, gas or fumes voluntarily or involuntarily taken.