BPI MS PA365

GET THESE EASY-TO-UNDERSTAND BENEFITS

Cash for Sudden Passing
- Receive up to P1 million cash in case of accidental death or permanent disablement

Burial Assistance
- Receive financial aid for burial expenses for death due to an accident

Limits, coverage and exclusions are subject to policy terms and conditions.


Insurance Coverage

Benefits and Coverage Limit
- Accidental Death & Permanent Disablement (Php 1,000,000.00)
- Burial Expense Reimbursement (Php 20,000.00)
- Total Premiums (Php 365.00)


Definition

Accidental Death and Permanent Disablement
- Provides the specified insurance amount to the beneficiary in the event of the insured's death or permanent disablement caused by an accident.

Burial Expense
- Pays for the cost of burial services, up to a specified limit, in case of sudden passing of the insured due to an accident.


Eligibility

Must not be younger than 16 years old but not older than 65 years old at the time of application.


Frequently Asked Questions

Why should I avail of a PA365?
- A personal accident insurance will protect you and your loved ones from financial losses due to your death or permanent disablement. The monetary compensation that you or your chosen beneficiary will receive should cover for the lost income or the expenses incurred due to your passing or disability arising from an accident.

I have an existing Personal Accident cover. Will I still be entitled to the benefits of the Personal Accident product in BPI MS Express Protect in the event of death or permanent disablement if I decide to avail one?
- If you have an existing BPI MS Personal Accident policy in force and you still want to purchase another policy via BPI MS Express Protect, you may do so, provided that the policies do not belong to the same program/package. These two policies will respond in the event of death or permanent disablement due to accident provided that the incident occurred within the term of both policies. In the event that an insured person is covered under two or more policies of the same program, only one policy will respond in any valid claim.

What is considered an accident?
- The following elements must be present for an incident to be considered an accident: Accidental - sudden and unforeseen Violent - brought about by force so as to injure External - characterized by outside force Visible - can be viewed by the naked eye

Will I be able to assign my beneficiary?
- For personal accident products bought thru BPI MS Express Protect, the default beneficiary will be determined based on Philippine Civil Law on Succession. Should you wish to name a specific beneficiary, you may do so by calling BPI MS at (02) 8840-9000 or visit the BPI MS Head Office.

My occupation exposes me to hazardous activities, am I qualified to avail of BPI MS Personal Accident products?
- Certain occupation types that are engaged in, involve or expose the client to activities that could result to sudden or grave physical injury or disability are excluded. You may read the full terms and conditions of the package that you wish to avail to know the exclusions.

How do I file a claim?
- In case of claim, you or your beneficiary may notify BPI MS Claims Department through:

- Hotline No: 8840-9556 / 8840-9160

- Email: bpimsclaims@bpims.com

- Mail: 14F 6811 BPI-Philam Life Makati, Ayala Ave., Salcedo Village, Bel-Air City of Makati 1209

You will then be advised of the documents that you need to provide to complete your claim.