Institutional

Group Credit Life Insurance

Life protection coverage for eligible debtor. Coverage is up to the extent of the outstanding loan balance of the debtor to the creditor at the time of his death. Any amount in excess of the outstanding loan balance if any, shall be payable to the designated beneficiary. Applicable to:

• Short-term loans (salary, business, personal, and other types of loan)
• Long term loans (housing, car loans and other secured loans)

Group Life Insurance

Life protection for eligible employees of a corporation or bona-fide members of an organization. This pays benefits to the beneficiary designated in the individual application in the event of the insured individual’s demise regardless of cause. May also provide additional benefits like:

• Accidental Death and Disablement Benefit
• Accident Medical Expense Benefit
• Daily Accident Hospital Benefit
• Total and Permanent Disability 
• Living Care Benefit

Group Personal Accident

Protection against loss of life, dismemberment or disablement within 180 days from the date of accident. This also provides benefits for bodily injuries based on the Schedule of Losses. Additional features include:

• Unprovoked Murder and Assault
• Accident Medical Expense Benefit
• Burial Expense
• Accident Monthly Income Benefit
• Cash Assistance Benefit

Protection for students against loss of life due to any cause or permanent disability resulting from an accident. It also provides a safety net for the adverse financial effects of any bodily injury. 

• Life protection coverage
• Accidental Death or Disablement  
• Accident Medical Expense 
• Daily Accident Hospital Benefit  
• Free Accidental Death or Disablement Benefit for regular, full time teaching and non-teaching staff
• Free 3 Pioneer All Purpose Personal Accident Insurance Cards for first time purchases

Provides lump-sum cash benefits upon diagnosis of critical illness. This benefit can make a real difference for the insured individual as he faces mounting medical bills or other major cash needs. Cover features include:

• Wide range of critical illnesses
• Short waiting period

 
SPECIAL PRODUCTS (Accident & Health)

Hospital Aid
Addresses the various costs arising out of hospitalization from day 1 and pays in addition to other coverages. Can include:

• Daily income during hospitalization
• Coverage for recurrent hospitalization
• Surgeon's fees
• Maternity benefits as an option
• Extended coverage for the dependents

Safe & Sound
Comprehensive protection from the financial consequences of a serious accident.

• Pays benefit in the event of accidental loss, dismemberment or disablement
• Accident Medical Expense Benefit
• Unprovoked Murder or Assault
• Daily Accident Hospital Benefit
• Cash Assistance Benefit
• Protection that considers your occupation
• Extended coverage for the dependents

Keymancare
This is a more comprehensive package for family heads with large-scale cash benefits.

• Accidental Death, Dismemberment or Disablement Benefit
• Unprovoked Murder or Assault
• Daily Sickness Hospital Benefit
• Daily Accident Hospital Benefit
• Accident Medical Expense Benefit
• Cash Assistance Benefit
• Extended coverage for the dependents

Travel Smart
A most suitable companion to your travel accessories. Coverage may include:

• Accidental Death, Dismemberment or Disablement Benefit
• Accidental Medical Reimbursement
• Daily Sickness Hospital Benefit
• Daily Accident Hospital Benefit
• Cash Assistance Benefit

All Purpose Cards
An all occasion card with a gift of personal accident insurance cover

• Provides Accidental Death and Disablement Benefit
• Available in P10,000.00, P25,000.00, P50,000.00, P100,000.00 or P150,000.00 worth of Personal Accident Insurance for one year.
• May insure minors as young as 5 years old and adults not over 70 years old.
• Maximum total personal accident insurance coverage for any one individual by way of our All Purpose Cards is P150,000.00.

SALARY SAVINGS PROGRAM
It's a systematic savings program for employees at no cost for the employer.

Retirement

• A guaranteed retirement fund at age 65
• Additional benefit in the event of loss of life
• Additional benefit if cause of loss is accidental
• Disability Waiver of Premium
• Automatic and hassle free Salary Deduction scheme
• Flexibility in choosing desired benefit
• Portable plan

SPARXx
It is a financial tool to ‘spark’ your savings.

• A bite-sized savings and insurance instrument.
• Light on the pocket, available in P300, P500, P700, P1,000, P2,500, and P5,000 denominations to match your cash flow.
• Once activated, SPARXx guarantees a future savings value on your chosen maturity year
• Provides life insurance equal to the guaranteed future savings value
• There are no fixed terms so you can set the pace for your savings. Get as many SPARXx as often as you like
• Save and build your insurance up to P500,000.00