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Pamilya Protect
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    • Pamilya Protect - Frequently Asked Questions

    1. What is PamilyaProtect?
    1. What is PamilyaProtect?
    - COLLAPSE + EXPAND

    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.

    2. What benefits can I avail of?
    2. What benefits can I avail of?
    - COLLAPSE + EXPAND
    • Life insurance benefits provide financial protection to beneficiaries upon the death of the insured.
    • Accidental Death, Disablement and Dismemberment pays additional insurance coverage in case of death, dismemberment, loss of use of one or more body parts, or total & permanent disability caused by an accident.
    • Hospital Income Benefit pays a fixed cash benefit for every full day of hospital confinement due to either illness or accident.
       
    3. What benefit options are available?
    3. What benefit options are available?
    - COLLAPSE + EXPAND

    You can choose from the following options: 

    Slide left to know more

    Slide to know more.

    4. Who can avail PamilyaProtect?
    4. Who can avail PamilyaProtect?
    - COLLAPSE + EXPAND

    PamilyaProtect is available for BPI accountholders 18-64 years old.

    5. Do I have to undergo any medical examinations?
    5. Do I have to undergo any medical examinations?
    - COLLAPSE + EXPAND

    No medical examination is required for you or your dependents. Proof of good health is also not required upon application.

    6. When will my coverage take effect?
    6. When will my coverage take effect?
    - COLLAPSE + EXPAND

    Your insurance coverage shall take effect upon the confirmation of the receipt of the first premium payment.

    7. Can I enroll my dependents?
    7. Can I enroll my dependents?
    - COLLAPSE + EXPAND

    Your whole family can be covered with PamilyaProtect. You may insure up to 5 qualified dependents: 

    8. Are all group insurance claims approved?
    8. Are all group insurance claims approved?
    - COLLAPSE + EXPAND

    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.

    9. Are pre-existing conditions covered?
    9. Are pre-existing conditions covered?
    - COLLAPSE + EXPAND

    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.

    10. How will premiums be paid?
    10. How will premiums be paid?
    - COLLAPSE + EXPAND

    Premiums can be paid via Auto Charge Arrangement (ACA) using BPI credit or debit cards.

    11. How will I know that premium has been remitted?
    11. How will I know that premium has been remitted?
    - COLLAPSE + EXPAND

    You will receive a copy of the eOR (electronic official receipt) via your registered email address.

    12. What should I do if I want to terminate my plan?
    12. What should I do if I want to terminate my plan?
    - COLLAPSE + EXPAND

    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.

    CONTACT BPI AIA

    (02) 8 528 5501

    FACEBOOK MESSENGER

    15th Floor BPI-Philam Life Makati (formerly Ayala-FGU Bldg) 6811 Ayala Avenue Makati City 1226

    CONTACT BPI AIA

    (02) 8 528 5501

    FACEBOOK MESSENGER

    15th Floor BPI-Philam Life Makati (formerly Ayala-FGU Bldg) 6811 Ayala Avenue Makati City 1226

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