Microinsurance is an affordable insurance product that minimum wage earner can surely afford! Not to mention, documentary requirements are also minimal and easy to comply with.
Cebuana Lhuillier’s Microinsurance help Filipinos avail of financial services that promise to minimize the impact of distress and misfortune should a disaster or unfavorable event occur. Cebuana Lhuillier offers more than 20 unique and tailor-fit insurance products for you! Other Insurance products includes vehicle insurance (cars and motorcycles) and property insurance (home and business).
- Affordable premiums
- 24-hour claims processing*
- Simple contracts with minimum restrictions
- Simple claims documentation and requirements
- 2,500 branches nationwide
*terms and conditions apply
Insurance (Individual)
- Age eligibility is from 18 to 64 years old.
- Insured can have a maximum of ten (10) active COCs at any given time.
- Insured is covered for death due to accident and accidental disability and/or dismemberment.
- For the insurance exclusions and claims requirements, please refer to the lower part of this page.
Period of Coverage
The Policy is Effective for one (1) year from the date of issuance.
Insured can avail one (1) active COC per year and requires notification from the insured if there are changes in location of the MSME store.
Location of Risk: subject to the list of excluded areas below:
I. Description
Cebuana Lhuillier HEALTHMAX is an affordable medical insurance plan with no underwriting that provides coverage of up to Php150,000 aggregate limit per year for emergency care and emergency hospitalization for viral, bacterial illnesses, and treatment of injuries resulting from accidents.
II. Table of Premiums and Benefits
Benefits | Limit |
Maximum Benefit Limit | Php 150,000 |
Maximum Benefit per treatment | Aggregate Limit per year |
Basic Hospital Benefit | As Charged (Ward) |
Critical Care Benefit | As Charged |
Surgical Benefit | As Charged |
Emergency Benefit | Php 5,000/visit |
Period of Coverage
The Policy is Effective for one (1) year from the date of effectivity.
III. General Provisions
- Target Market are clients of Cebuana Lhuillier branches, alternative distribution channel,
corporations, institutions, and organization outside Cebuana network. - Age eligibility is not less than fifteen (15) days old nor more than sixty-five (65) years
old. - Maximum of one (1) COC per client
- Benefit Availment – Emergency Out-Patient or Emergency In-Patient Treatment due to Viral,
Bacterial Illnesses and treatment of injuries resulting from accidents: 100% reimbursement
or direct settlement by the Company through its Accredited Network of actual medical
expenses incurred as an as an Out-Patient in the Emergency Room Department or as an In-
Patient of a Hospital not exceeding the benefit Limit - Covid 19 Coverage – Covid-19 will only be covered if it requires hospitalization;
Asymptomatic and mild cases where home-care is sufficient will not be covered. - The benefits are inclusive of PhilHealth (required to file Philhealth)
I. Description
Cebuana Lhuillier ALL DAY CARE is a Personal Accident insurance. It covers Accidental Death, Accidental Dismemberment and/or Disablement (ADD&D), Murder and Unprovoked Assault (MUA), Burial Benefit (Death due to accident), Livelihood Assistance (Due to Accidental Death) and Fire Cash Assistance (FCA) plus provide telemedicine services to its members for a period of up to one year, and/or the specified policy termination date, from the date of subscription.
II. Table of Premiums and Benefits
Benefits | Coverage |
Accidental Death | Php 100,000 |
Accidental Dismemberment and/or Disablement | Max of Php 100,000 |
Murder and Unprovoked Assault | Php 25,000 |
Fire Cash Assistance | Php 25,000 |
Accidental Death Burial Benefit | Php 25,000 |
Livelihood Assistance due to Accidental Death | Php 25,000 |
Telemedicine | Unli Call |
Period of Coverage
The Policy is Effective for one (1) year from the date of effectivity.
III. General Provisions
- Target Market are clients of Cebuana Lhuillier branches, alternative distribution channel,
corporations, institutions, and organization outside Cebuana network. - Age eligibility is 7 to 70 years old.
- Not less than seven (7) years old nor more than seventy (70) years of age
- For beneficiaries under the age of 18, a Special Power of Attorney (SPA) or an
Affidavit of Guardianship must be presented in the event of a claim.
- Maximum of one (1) COC per client
- Fire Cash Assistance – Up to a maximum of one (1) COCs per household. The term HOUSEHOLD
refers to aggregate of persons, generally but not necessarily bound by ties of kinship, who
live together under the same roof. To establish independence of assured bearing similar
addresses or within complete house number, street name, or barangays or those lacking of
other indicators, barangay certification or the independence of particular household and
proof of billing address must be provided. - Covers the following conditions:
- Accidental Food Poisoning (presence of deleterious matter on food and drinks and not
as a result of spoilage/expiration) - Accidental Gas Poisoning
- Acts of Nature
- Amateur and Social Sports
- Animal Bites including mosquito bites (except viral infections/disease following
animal/mosquito bites) - Commercial flying as fare paying passenger
- Drowning
- Motorcycling cover including pillion riding excluding whilst engaged in any form of
racing, riding exhibition, motocross racing, etc. - Pyogenic infections acquired through accidental cut or wound
- 24/7 worldwide coverage; on and off the job
- Accidental Food Poisoning (presence of deleterious matter on food and drinks and not
EXCLUSIONS:
No benefit will be payable if death or Injury results from any one of the following causes:
- Loss caused directly or indirectly, wholly or partly by:
- Bacterial infections, viral infections, sickness or disease (except pyogenic
infections which shall occur through an accidental cut or wound); or infections
caused by parasites; - Medical or surgical treatment (except such as may be necessary solely by reason of
injuries covered by this policy); - Miscarriage or pregnancy, any disease of the female reproductive organ;
- Bacterial infections, viral infections, sickness or disease (except pyogenic
- Suicide or any attempt thereat;
- Loss occasioned by war, invasion, act of foreign enemy, hostilities or warlike operations
(whether war be declared or not), mutiny, strikes, riots, civil commotion, civil war,
rebellion, revolution, insurrection, conspiracy, terrorism, military or usurped power,
martial law or state of siege, seizure, quarantine, or customs regulations or
naturalization by or under the order of any government or public or local authority. This
exclusion shall not be affected by any endorsement which does not specifically refer to it,
in whole or in part. The application of the exclusion referring to martial law or state of
siege is hereby waived for any territorial jurisdiction of the Republic of the Philippines. - Nuclear radiation or radioactive contamination;
- Injury sustained while participating in amateur or professional athletics, local sports
leagues or international tournaments, or any organized and scheduled amateur physical
contact sport; - Cave-in of mines;
- Loss of life or injury sustained as a direct result of, in connection with or attributable
to the insured being under the influence of prohibited/regulated drugs or alcohol; - Loss of life or injury sustained as a direct result of, in connection with or attributable
to:- A commission of a crime or any attempt thereat,
- Violation of rules and regulation on traffic and/or road use;
- Avoiding arrest or
- Any unlawful act (civil or criminal)Hostilities or warlike operations
- Any act of terrorism.
ProtectMAX is a microinsurance product designed for individuals aged 7 to 70 years old with Death Benefit, Accident or Sickness Emergency Cash Assistance, Accidental Dismemberment and/or Disablement, Murder and Unprovoked Assault and Residential Fire Reconstruction cash assistance. For as low as P50, each certificate is valid for four (4) months from the date of issuance 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

CL Health Care is an Individual Personal Accident Insurance specifically designed for Cebuana Lhuillier clients.It covers Accidental Death and Disability (AD&D), Double Indemnity, 24/7 Call-a-doc, OP ER One Time use and Daily Hospital Income Benefit.
CL Health Care is underwritten by Generali Life Assurance Philippines, Inc.
Product | Option 1 | Option 2 |
24/7 Call-a-doc | 6 calls | 6 calls |
OP ER One Time use (All causes) | 5,000 | 5,000 |
Daily Hospital Income Benefit (All causes) | 300 max of 31 days | 500 max of 31 days |
Product Details
- Eligibility Age 18days to 65 years old.
- This product is non-transferable.
- Premium amount starts at Php 777.00

Cebuana Lhuillier ER Care
Cebuana Lhuillier ERCare covers the medical expenses incurred within a year from the date of issuance or purchase by the InsuredPerson for the treatment of an eligible emergency condition, availment of which caneither be as an Out-Patient in the Emergency Room Department or as an In-Patient of aHospital via cash assistance.Cebuana Lhuillier ERCare is eligible for persons 15 days old to 65 years old. This is provided by Pacific Cross (Philippines) Insurance Inc.
ER Coverage | Cost |
Php 5,000.00 | Php 550.00 |
Php 10,000.00 | Php 900.00 |
Php 20,000.00 | Php 1,250.00 |
Product Details
- The Policy is Effective for one (1) year from the date of issuance or after payment of claim,whichever comes first.
- One-time availment plan for Emergency outpatient insured clients.
- This requires that the client is accommodated for treatment in the Emergency RoomDepartment of a hospital.
- Payment based on actual medical expenses incurred in the Emergency Room Departmentof a hospital for a one-time occurrence per period of coverage not exceeding the plan limit
- Once claim is paid, MBL is considered fully exhausted, and Policy is automaticallyterminated.
- Coverage for accident and illnesses will commence 15 calendar days from date ofsuccessful activation.
- Multiple purchase of e-Voucher is allowed but only one (1) e-Voucher can be activatedwithin the same period of insurance following the Activation Interval as defined above inthis proposal.
- The activated e-Voucher is not transferable to another person. Declaration of the Insuredshould be upon application.
CL Personal Accident Basic
CL Personal Accident Basic which covers Accidental Death and Accidental Dismemberment and/or Disablement Benefit. This is underwritten by Pioneer Insurance and Surety Corporation (PISC) or Malayan Insurance Company Inc. (MICO).
Benefit | Coverage |
Accidental Death | Php 10,000.00 |
Accidental Dismemberment and/or Disablement | Up to Php 10,000.00 |
Product Details
- Age eligibility is from 18 to 70 years old.
- Insured can have a maximum of one (1) active COC’s at any given time.
- Insured is covered for death due to accident and accidental disability and/or dismemberment

CL Personal Accident MyCare which covers Accidental Death and Accidental Dismemberment and/or Disablement Benefit. This is underwritten by Pioneer Insurance and Surety Corporation (PISC).
Benefit | Coverage |
Accidental Death | Php 10,000.00 |
Accidental Dismemberment and/or Disablement | Up to Php 10,000.00 |
Product Details
- Age eligibility is from 18 to 70 years old.
- Insured can have a maximum of one (1) active COC’s at any given time.
- Insured is covered for death due to accident and accidental disability and/or dismemberment.
- Insurance exclusions and claims requirements please refer to the lower part of this page

CL Personal Accident Insurance
CL Personal Accident Insurance which covers Accidental Death and Accidental Dismemberment and/or Disablement Benefit plus Fire Cash Assistance. This is underwritten by Pioneer Insurance and Surety Corporation (PISC)or Malayan Insurance Company Inc. (MICO).
Benefit | Coverage |
Accidental Death | Php 10,000.00 |
Accidental Dismemberment and/or Disablement | Up to Php 10,000.00 |
Fire Cash Assistance | Php 2,000.00 |
Product Details
- The Policy is Effective for one (1) month per COC from the date of issuance. Insured canhave a maximum of twelve (12) COC’s in a year but with one (1) active COCs at any giventime.
- Age eligibility is from 18 to 70 years old.
- Insured is covered for death due to accident and accidental disability and/ordismemberment

Cebuana Lhuillier Personal Accident Prime
Cebuana Lhuillier Personal Accident Prime is a Personal Accident insurance with Burial Benefit (regardless of cause) to give full protection to insuring public. It covers Accidental Death, Accidental Dismemberment and/or Disablement (ADD&D), Murder and Unprovoked Assault (MUA), Burial Benefit, Livelihood Assistance and Fire Cash Assistance (FCA). Underwritten by Malayan Insurance Company Inc. (MICO).
Benefit | Coverage |
Accidental Death | Php 20,000.00 |
Accidental Dismemberment and/or Disablement | Up to Php 20,000.00 |
Murder and Unprovoked Assault | Php 5,000.00 |
Burial Benefit (following accidental death) | Php 5,000.00 |
Livelihood Assistance (following accidental death) | Php 5,000.00 |
Fire Cash Assistance | Php 5,000.00 |
- Eligible for ages 7 years old to 70 years old.
- For beneficiaries under the age of 18, a Special Power of Attorney (SPA) or an Affidavit of Guardianship must be presented in the event of a claim.
- The Policy duration is one year from the Effectivity date. Effective date will commence on 12:00nn following the purchased date.
- Accidental Death is covered under the following conditions:
- Accidental Food Poisoning (presence of deleterious matter on food and drinks and not as a result of spoilage/expiration)
- Accidental Gas Poisoning
- Acts of Nature
- Amateur and Social Sports
- Animal Bites including mosquito bites (except viral infections/disease following animal/mosquito bites)
- Commercial flying as fare paying passenger
- Drowning
- Motorcycling cover including pillion riding excluding whilst engaged in any form of racing, riding exhibition, motocross racing, etc.
- Pyogenic infections acquired through accidental cut or wound
- Accidental Permanent Disablement &/or Dismemberment is covered within one hundred eighty(180) days from the date of the Accident based on the Schedule of Losses.
- Fire Cash Assistance – Up to a maximum of five (5) COCs per household. The term HOUSEHOLD refers to aggregate of persons, generally but not necessarily bound by ties of kinship, who live together under the same roof.

CL HealthCare Plan Dengue
CL HealthCare Plan Dengue is a cash assistance benefit specifically designed for diagnosed dengue patients. This is underwritten by Pioneer Insurance and Surety Corporation (PISC).
Benefit | Coverage |
Dengue Cash Assistance | Php 10,000.00 |
Products Details
- The Policy is Effective for one (1) year from the date of issuance.
- Eligibility age is 1 year old up to 70 years old.
- Contestability period or waiting period of 15 days from the date of issuance or purchased date.
- A maximum of one (1) CL HealthCare Plan Dengue is allowed to claim per incident or a maximum of Php 10,000.00 benefit can be claimed.
- The coverage is non-transferrable.

CL COVID-19 Cash Assistance Benefit + is Group Personal Accident Insurance specifically designed for Cebuana Lhuillier’s clients. It covers Loss of Life Cash Assistance, Daily Hospital Income Benefit, and Loss of Life Cash Assistance, Accidental Death and Medical Reimbursement.This is underwritten by Malayan Insurance Company Inc..
Coverage | Annual Cover | ||
Plan A | Plan B | Plan C | |
Accidental Death | 100,000 | 200,000 | 300,000 |
Death due to COVID-19 (Full Cover) | 100,000 | 200,000 | 300,000 |
Death due to Dengue and Chikungunya | 50,000 | 100,000 | 150,000 |
Medical Reimbursement – accidental injuries | Up to 12,500 | Up to 25,000 | Up to 37,500 |
Hospital Cash Allowance per day due to COVID-19* | 750/day | 1000/day | 1250/day |
*Maximum of fourteen (14) days confinement
*For Ages 1 year old to 75 years old
TanodCARE
TanodCARE is a Group Personal Accident Microinsurance specially designed for barangay tanod officials and its members/personnel. This mico-insurance requires a minimum number of 30 enrollees aged 18 to 65 years old, enrollees above 65 years old will be accepted subject to 50% cover of the Sum Insured for all Benefits.
Insured members under Tanodcare will be covered with the ff.:
- Accidental Death, Disablement & Dismemberment (ADD&D)
- Permanent Total Disability (PTD)
- Unprovoked Murder & Assault (UMA)
- Accident Medical Reimbursement (AMR)
- Burial Benefit (accident/sickness)
- Accident Daily Hospital Income (DHI)
TodaCARE
TODACARE is a Group Personal Accident Insurance specially designed for transport group leaders, officers and members.
This insurance requires a minimum number of 10 enrollees aged 18 to 65 years old. Enrollees above 65 years old will be accepted subject to 50% cover of Sum Insured for all Benefits.
Insured members under TodaCARE will be covered with the ff.:
- Accidental Death, Disablement & Dismemberment (ADD&D)
- Permanent Total Disability (PTD)
- Unprovoked Murder & Assault (UMA)
- Accident Medical Reimbursement (AMR)
- Burial Benefit (accident/sickness)
- Accident Daily Hospital Income (DHI)
StudentCARE
StudentCARE is a Group Personal Accident Insurance that protects students from various perils 24/7 worldwide.
Insured members under StudentCARE will be covered with the ff.:
- Accidental Death, Disablement & Dismemberment (ADD&D)
- Unprovoked Murder & Assault (UMA)
- Accident Medical Reimbursement (AMR)
- Accident Burial Benefit (ABB)
- Daily Hospital Income (DHI)
- Ambulance Fee and Fire Assistance
EmployeeCARE
EmployeeCARE is a Group Personal Accident Insurance specially designed for employees.
Insured members under EmployeeCARE will be covered with the ff.:
- Accidental Death, Disablement & Dismemberment (ADD&D)
- Unprovoked Murder & Assault (UMA)
- Accidental Medical Cash Aid, Burial Benefit (Accident/Sickness)
- Motorcycling and Personal Liability
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).
Insured members under EmployeeCARE will be covered with the ff.:
- Accidental Death, Disablement & Dismemberment (ADD&D)
- Unprovoked Murder & Assault (UMA)
- Accident Medical Reimbursement (AMR)
- Burial Benefit (accident/sickness)
- optional cover for Accident Daily Hospital Income (DHI)
*Please contact/email CLIS at Direct Line 895-1093 or email [email protected] for more information.
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 P300.40
- 1 year coverage
- Comprehensive General Liability Insurance (Cars and Motorcycles)
- LessorCARE
- Marine Cargo
- Bonds
Engineering Insurance
Engineering Insurance
Engineering Insurance insures construction projects such as buildings, roads, bridges and other civil engineering projects against accidents resulting in loss or damage of works in progress, materials, construction equipment and machinery during the period of construction as well as third party liability.
*Please contact/email CLIS at Direct Line 8-895-1093 or email [email protected] for more information.
How To Buy
Cebuana Lhuillier’s insurance is available via online, via our physical stores & via our retail partners. You can visit one of our physical branches on online branches to purchase your insurance.
In-store
All Cebuana Lhuillier branches nationwide
All Cebuana Lhuillier Financial branches nationwide: Ayala Market Market, Robinsons Galleria, Robinsons Manila, SM Manila, Ali Mall Cubao
Online
ProtectNow
Lazada
Shopee
GCash
Insurebox
24k Online Portal
Facebook
Retail Partners
How To Claim
To claim your insurance, please send an email via [email protected] or .
Written notice of incident on which claim may be based must be given to Cebuana Lhuillier Insurance Brokers within thirty (30) days after the date of the accident causing such disablement/dismemberment.
Once approved, claim your benefit at any Cebuana Lhuillier branch nationwide.
Some health insurance may be covered by cashless claims. This means, clients may no longer need to pay any amount during hospitalization, so no reimbursement will be required.
CLAIM REQUIREMENTS
- Accidental Death
- Original Confirmation of Cover (COC)
- Birth/Death Certificate (CTC)
- Police Report/ Incident Report (Original)
- Insured’s & Claimants Valid ID (with Photo and Signature)
- Legal Supporting Document of claimant/beneficiary
- Accidental Dismemberment, and/or Disablement
- Photocopy of Confirmation of Cover (COC)
- Police Report
- Picture of Affected Body Part
- Medical Certificate
- Insured’s Valid ID (with Photo and Signature)
- Murder and Unprovoked Assault
- Original Confirmation of Cover (COC)
- Death Certificate
- Police Report
- Insured’s & Claimants Valid ID (with Photo and Signature)
- Legal Supporting Document of claimant/beneficiary
- Fire/Lightning Cash Assistance
- Confirmation of Cover (COC)
- Picture(s) of burnt declared home address
- Barangay Certificate
- Insured Valid ID (with Photo, Signature, and Declared Address)
- Death Benefit (Accidental or Sickness)
- Original Confirmation of Cover (COC)
- Birth/Death Certificate (CTC)
- Police Report/ Incident Report (Original)
- Insured’s & Claimants Valid ID (with Photo and Signature)
- Legal Supporting Document of claimant/beneficiary
- Medical Certificate
- Accident or Sickness Emergency Cash Assistance
- Photocopy Confirmation of Cover (COC)
- Emergency Expense Benefit Claim Slip (bottom of COC)
- Medical Certificate
- Clinical Abstract
- Insured’s Valid ID (with Photo and Signature)
- Dengue Cash Assistance
- Policy/Certificate reference number
- Name of Insured
- Contact information
- Mobile Number
- Email Address
- Date of Birth
- Date of diagnosis
- Name of attending physician
- Supporting documents submitted
- Laboratory Test Result
- Medical Report Form
- ER Coverage
- ER In-Patient Reimbursement
- Admitting Medical History
- Clinical Abstract
- Statement of Account reflecting room and board charges
- Proof of confinement and the medical diagnosis
- ER In-Patient Reimbursement
Testimonials
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.”