Put yourself at ease by protecting those you love
PamilyaProtect is a group yearly renewable term packaged plan that addresses basic protection and hospitalization needs exclusively for BPI Accountholders. With PamilyaProtect, you can protect your family and get coverage for you and your dependents via fast and hassle-free online purchase and fulfillment.
You can choose from the following options:
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PamilyaProtect is available for BPI accountholders 18-64 years old.
No medical examination is required for you or your dependents. Proof of good health is also not required upon application.
Your insurance coverage shall take effect upon the confirmation of the receipt of the first premium payment.
Your whole family can be covered with PamilyaProtect. You may insure up to 5 qualified dependents:
All claims will be processed based on the completeness of the documents submitted and will be subject to review.
This is for illustration purposes only. Death benefits will be paid based on hierarchy of surviving qualified beneficiaries as stated in the terms and conditions and applicable laws. Benefits under dependent coverage will be payable to the insured first.
For benefits payable under life benefit:
No restriction on pre-existing conditions, subject to incontestability provision in the group master policy contract.
For benefits payable under accidental death, dismemberment and disablement:
Benefits for injury or illness caused by pre-existing condition are not payable. Pre-existing condition means any illness or condition occurring before the Effective Date of the Member’s Coverage. For this purpose, an illness or condition has occurred when it has been investigated, diagnosed or treated or when its signs or symptoms have manifested which would cause an ordinary prudent person to seek diagnosis, care or treatment.
For benefits payable under hospital income benefit:
During the first 12 months from Effective Date, benefits are not payable if resulting from any pre-existing condition, or from any injury / illness sustained prior to Effective Date. Pre-existing condition means any illness or condition occurring six (6) months before the Effective Date of a Member’s coverage. For this purpose, an illness or condition has occurred when it has been investigated, diagnosed or treated, or when its signs or symptoms have manifested which would cause an ordinary prudent person to seek diagnosis, care or treatment.
Premiums can be paid via Auto Charge Arrangement (ACA) using BPI credit or debit cards.
You will receive a copy of the eOR (electronic official receipt) via your registered email address.
You can email us at BPIAIA.CustomerService@aia.com requesting for termination of coverage at least one month before the next premium payment date.
This FAQ contains only a brief description of the product and is for illustration purposes only. The complete terms and conditions are found in the policy contract. In the event of conflict between this FAQ and the policy, the policy shall prevail.