Insurance

With affordable insurance products to help Filipinos avail of financial services and privileges that higher-income earners have easy access to, we offer innovative microinsurance products and services that promise to minimize impact of distress and misfortune on one’s financial position.

  • More than 20 unique and specially designed insurance products
  • Affordable premiums (for as low as Php10!)
  • 24-hour claims processing*
  • Simple contracts with minimum restrictions
  • Simple claims documentation and requirements
  • More than 1,800 branches nationwide

*upon submission of complete documents

ACP Gold

Alagang Cebuana Plus Gold is a microinsurance product designed for individuals aged 7 to 70 years old with coverage of Accidental Death/Dismemberment & Disability (ADD&D), Fire Cash Assistance (FCA), rider benefit for Unprovoked Murder and Assault (UMA), and a micro-life insurance. ACP Gold is a 24/7 Personal Accident Insurance with worldwide coverage! For as low as P40, each certificate is valid for four (4) months and can be availed up to a maximum of 5 certificates per insured.

Qualified beneficiaries:
•    Legal Spouse
•    Child of legal age (18 years old)
•    Parents – Mother/Father
•    Siblings – of legal age and single; married

ACP Gold microinsurance


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TanodCARE

TanodCARE is a Group Personal Accident Microinsurance specially designed for barangay tanod officials and its members/personnel.

It covers Accidental Death, Disablement & Dismemberment (ADD&D), Permanent Total Disability (PTD), Unprovoked Murder & Assault (UMA), Accident Medical Reimbursement (AMR), Burial Benefit (accident/sickness) and Accident Daily Hospital Income (DHI).

This micro-insurance requires a minimum number of 30 enrolees aged 18 to 65 years old, Enrolees above 65 years old will be accepted subject to 50% cover of Sum Insured for all Benefits.

tanod care microinsurance from Cebuana Lhuillier

TodaCARE

TODACARE is a Group Personal Accident Insurance specially designed for transport group leaders, officers and members.

It covers Accidental Death, Disablement & Dismemberment (ADD&D), Permanent Total Disability (PTD), Unprovoked Murder & Assault (UMA), Accident Medical Reimbursement (AMR), Burial Benefit (accident/sickness)  and Accident Daily Hospital Income (DHI).

This insurance requires a minimum number of 10 enrolees aged

aged 18 to 65 years old, Enrolees above 65 years old will be accepted subject to 50% cover of Sum Insured for all Benefits.

 toda care

StudentCARE

StudentCARE is a Group Personal Accident Insurance that protects students from various perils 24/7 worldwide.

It covers Accidental Death, Disablement & Dismemberment (ADD&D), Accidental Medical Reimbursement (AMR), Unprovoked Murder & Assault (UMA); Accident Burial Benefit (ABB), Daily Hospital Income (DHI); Ambulance Fee and Fire Assistance.

student care

EmployeeCARE

EmployeeCARE is a Group Personal Accident Insurance specially designed for employees. It covers Accidental Death, Disablement & Dismemberment (ADD&D), Accidental Medical Cash Aid, Burial Benefit (Accident/Sickness), Unprovoked Murder & Assault (UMA), Motorcycling and Personal Liability.

employee care

SecurityCARE

SecurityCARE is a Group Personal Accident Insurance specially designed for Security Guards and officers.

It covers Unprovoked Murder & Assault (UMA), Accidental Death, Disablement & Dismemberment  (ADD&D), Accident Medical Reimbursement (AMR), Burial Benefit (accident/sickness) and an optional cover for Accident Daily Hospital Income (DHI).

CLMI security care

*Please contact/email CLIS at Direct Line 895-1093 or email clismarketing@pjlhuillier.com for more information.

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Aside from our innovative microinsurance products and programs, we also offer non-microinsurance programs. These include:

  • Compulsory Third Party Liability (CTPL) Insurance
    • Motorcars and private 4-wheel cars insurance cost P610.40
    • Motorcycle insurance cost 40
    • 1 year coverage
  • Comprehensive General Liability Insurance
  • LessorCARE
  • Marine Cargo
  • Engineering Insurance
  • Bonds

AutoCARE

AutoCARE Insurance is a Standard Comprehensive Car Insurance that covers Own Damage (OD), Theft, Loss and/or Damage. Excess Bodily Injury (EBI), Excess Property Damage (EPD), and Acts of God/Nature (AOG/AON).

MotorCARE

MotorCARE Insurance is a Standard Comprehensive Motorcar Insurance that covers Own Damage (OD), Theft, Loss and/or Damage, Excess Bodily Injury (EBI), Excess Property Damage (EPD), and Acts of God/Nature (AOG/AON).

PharmaCARE/Insuremed

Insuremed is Personal Accident insurance program designed for consumers of medicines and other pharmaceutical products. It covers Accidental Death, Dismemberment and/or Disablement (ADD&D), Murder and Unprovoked Assault (UMA) and Fire Cash Assistance.

NegosyoCARE

NegosyoCARE is a Personal and Property Insurance specifically designed for clients with micro, small, and/or medium enterprises or businesses. It covers property insurance, burglary and robbery, accidental death, permanent disablement and dismemberment, accident medical remibursement (AMR), and money, securities, and payroll coverage.

NegosyoCARE is underwritten by Bankers Assurance Corporation (BAC).

HomeCARE Insurance

HomeCARE Insurance is a very affordable Residential Fire Insurance coverage. It offers loss protection to buildings and residential dwellings including their contents against perils of fire, lightning and other allied perils such as earthquake, typhoon and flood.

*Please contact/email CLIS at Direct Line 895-1093 or email clismarketing@pjlhuillier.com for more information.

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  1. Visit any Cebuana Lhuillier branch.
  2. Request for your preferred microinsurance policy.
  3. Present the payment for the Certificate of Cover.
  4. Accomplish and sign the Certificate of Cover.
  5. Secure the certificate.

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Claimants must present all required and valid documents listed under each type of claim at any Cebuana Lhuillier Pawnshop branch.

NOTE: Only claims below P50, 000 are payable in cash. Claims above P50, 000 shall be through check payment.

List of requirements:

For FIRE INSURANCE CLAIMS

  • Original Certificate of Insurance or its blue form duplicate copy
  • Picture(s) of burned/burnt property
  • Barangay Certification of Fire Loss / Incident indicating the insured’s details (OC)
  • Bureau of fire Prevention Certification indicating details of fire incident (OC)
  • Claimant’s valid IDs w/ Photo, Signature, and Address (photocopy)

For ACCIDENTAL DEATH & DISMEMBERMENT CLAIMS

  • Original Certificate of Insurance or its blue form duplicate copy
  • Death Certificate of Insured (OC, CTC, NC)
  • Police Report &/or Incident Report (OC)
  • Claimant’s Valid IDs w/ Photo, Signature and Address (photocopy)
  • If parent is claimant, Birth Certificate of insured (photocopy).If son or daughter is claimant, Birth Certificate of claimant (photocopy). If sibling is claimant, Birth Certificate of both insured and claimant (photocopy)

Other requirements that may be requested from the claimant, if deemed necessary

  • Medical Certificate (OC, CTC, NC)
  • Medical Discharge (OC, CTC, NC)
  • Autopsy Report (OC, CTC, NC)
  • Other documents that insurer may require to support claim

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From Jenelyn Villanueva:

“Lubos kaming nagpapasalamat sa Cebuana Lhuillier Pawnshop sa kanilang Alagang Cebuana Plus, dahil hindi nila kami pinabayaan sa oras na kailangan namin sila. Kahit naubos ang aming kagamitan at bahay dahil sa sunog, binigyan nila kami ng pag-asa. Sa halagang P5,000 na fire insurance assistance na bigay ng Cebuana, nakapagsimula muli kami.
Maraming salmat po talagang hulog kayo ng langit. Sana marami po kayong matulungan tulad naming mga mahihirap.”

From Erbin Cipres:

“Malaking tulong ang Cebuana Lhuillier lalo na nung nasunugan kami. Malaki ang naitulong ng insurance na nakuha namin na nabili lang namin sa murang halaga.”

From Pedrita Bayocot:

“Ako po si Pedrita Bayocot na nakatanggap po ng P20,000. Tapos puso po akong nagpapasalamat dahil dito sa tulong ng Cebuana Pawnshop. Malaking tulong sa akin. Noong kami po ay nasunugan halos wala po talaga kaming malapitan. Naisip ko ang Cebuana na malapitan at hindi kami nabigo. Nagpapasalamat kami sa gaano mag-alaga at pagpapahalaga ang Cebuana tulad sa namin. Halos 10 years na po akong alagang Cebuana. Sa oras po ng aking kagipitan, ito lang po ang aking nilalapitan. Muli salamat po sa bumubuo ng Cebuana Pawnshop.”

From Nelson Dalungan:

“We don’t know how to express our heartfelt thanks to your good office for the unbelievable action agad to the family sufferings. Before, I thought it was just a hearsay or sort of an advertisement, but I was mistaken. You’re true Filipino with an open arms and heart to help others.
Therefore, I salute you for the good work and I hope and pray it will last forever. Keep up the good work, more power and God Bless.
To all the staff, thank you.”

From Ms. Evelyn L. Vale, VP-Treasurer of Luneta Advertising:

“The billboard industry felt the brunt of typhoon Milenyo’s fury when it hit Metro Manila and nearby provinces last September 28, 2006.

Our company was not spared. One of our billboards which was installed on the rooftop of a building collapsed and fell on the roof of the adjacent building. Fortunately no one was hurt and the only damages incurred were on the roofs of the two affected buildings. But thanks be to God and Cebuana Lhuillier Insurance Solutions, the insurance agency which services our non-life insurance needs.

When the unfortunate event happened, we immediately reported the incident to CLIS. The staffs, Ramon Gonzalez in coordination with Jeric Timbol, were very enthusiastic to assist us. In less than 3 months we were able to get our check representing the insurance coverage of our billboard.

CLIS is very reliable and professional in handling its clients’ needs.”

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1. Am I required to avail of Alagang Cebuana Plus personal accident Microinsurance?


Our Alagang Cebuana Plus personal accident Microinsurance is optional. However, we highly recommend that you avail of it, considering the premium benefits that you will enjoy if you have one. For only P25 per certificate, you will have P20,000 personal accident coverage plus P5,000 fire cash aid for four months.

2.What is the period of coverage of your Alagang Cebuana Plus personal accident Microinsurance?


Each Alagang Cebuana Plus personal accident Microinsurance certificate is valid for four months from enrollment. You must renew your ACP certificates after four months to continue your eligibility for the claiming of benefits should the time of need arise.

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