Microinsurance

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 Micro Insurance 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!

  • Affordable premiums
  • 24-hour claims processing*
  • Simple contracts with minimum restrictions
  • Simple claims documentation and requirements
  • 2,500 branches nationwide

*terms and conditions apply

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

 

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Cebuana Lhuillier ER Care

Cebuana Lhuillier ERCare covers the medical expenses incurred within a year from the date of issuance or purchase by the Insured Person for the treatment of an eligible emergency condition, availment of which can either be as an Out-Patient in the Emergency Room Department or as an In-Patient of a Hospital via cash assistance. Cebuana Lhuillier ERCare is eligible for persons 15 years old to 65 years old. This is provided by Pacific Cross (Philippines) Insurance Inc.

ER CoverageCost
Php 5,000.00Php 550.00
Php 10,000.00Php 900.00
Php 20,000.00Php 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 Room Department of a hospital.
  • Payment based on actual medical expenses incurred in the Emergency Room Department of 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 automatically terminated.
  • Coverage for accident and illnesses will commence 15 calendar days from date of successful activation.
  • Multiple purchase of e-Voucher is allowed but only one (1) e-Voucher can be activated within 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 Insured should be upon application.

Cebuana Lhuillier TeleCare

Cebuana Lhuillier TeleCare provides round-the-clock doctor consultation whenever, wherever. The licensed doctors are available 24 hours a day, 7 days a week. Offers additional services like E-Presciptions, Online Issuance of Medical Certificates, and Referrals to Partner Specialist, Medical Diagnostic Laboratories and Ambulance Service. Physician advice or consultation is via URL www.kitika.com or mobile app. This service is powered by Kitika Mobile HealthCare Inc.

 

Mobile TeleHealth Consultation

Limit per YearCost
6 CallsPhp 200.00
10 CallsPhp250.00
Unlimited CallsPhp 1,500.00

 

Product Details

  • Eligibility Age 1 month to 99 years old.
  • A welcome email will be sent to your registered email address for activation instructions.
  • This product is non transferable.

 

 

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).

 

BenefitCoverage
Accidental DeathPhp 10,000.00
Accidental Dismemberment and/or DisablementUp 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 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).

 

BenefitCoverage
Accidental DeathPhp 10,000.00
Accidental Dismemberment and/or DisablementUp to Php 10,000.00
Fire Cash AssistancePhp2,000.00

 

Product Details

  • The Policy is Effective for one (1) month per COC from the date of issuance. Insured can have a maximum of twelve (12) COC’s in a year but with one (1) active COCs at any given time.
  • Age eligibility is from 18 to 70 years old.
  • Insured is covered for death due to accident and accidental disability and/or dismemberment

 

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).

BenefitCoverage
Accidental DeathPhp 20,000.00
Accidental Dismemberment and/or DisablementUp to Php 20,000.00
Murder and Unprovoked AssaultPhp 5,000.00
Burial Benefit (following accidental death)Php 5,000.00
Livelihood Assistance (following accidental death)Php 5,000.00
Fire Cash AssistancePhp 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.

 

 

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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).

 

BenefitCoverage
Dengue Cash AssistancePhp 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 HealthCare Plan Dengue+

CL HealthCare Plan Dengue+ is a cash assistance benefit specifically designed for diagnosed dengue patients plus an accidental death and accidental disablement/disability insurance. This is underwritten by Malayan Insurance Company Inc. (MICO).

 

BenefitCoverage
Dengue Cash AssistancePhp 10,000.00
Accidental DeathPhp 10,000.00
Accidental Dismemberment and/or DisablementUp to Php 10,000.00

 

Product 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.
  • Cash Assistance for Dengue is annual aggregate, meaning it is a one-time benefit. Recurrence of Dengue within the policy period is no longer covered.\
  • After a Dengue Cash assistance claim, ADD coverage is still in effect for the entire policy period.
  • One cover per person at any given time.The coverage is non-transferrable.
  • Medically diagnosed by a licensed physician.
  • Confirmed through diagnostic and/or laboratory tests showing positive signs of infection.
  • Insured may or may not be confined inside the hospital facility.
  • Contracted after fifteen (15) days from the issuance/effectivity of the Policy.
  • Contracted beyond a separation period of ninety (90) days between the Insured’s most recent clinical diagnosis of dengue and current medical confirmation of such illness.

 

MICROBIZ PROTEK

MicroBiz Protek is a comprehensive Property Insurance with Personal Accident coverage, Comprehensive General Liability and AXA Assistance made specifically for micro enterprises. It covers the property and its contents against perils fire and/or lightning and other allied perils such as earthquake, typhoon, flood and others. It also covers MSMEs against burglary and robbery, accidental death, permanent disablement and accidental medical reimbursement. Fees for the micro-insurance policy covering up to 12 months can go as low as PHP540.

MicroBiz Protek is underwritten by AXA Philippines.

 

*Coverage will depend on the amount of premium
*Premium may change based on classification of risk

 


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)

tanod care microinsurance from Cebuana Lhuillier

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)

toda care

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

student care

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

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).

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)

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 P300.40
    • 1 year coverage
  • Comprehensive General Liability Insurance (Cars and Motorcycles)
  • LessorCARE
  • Marine Cargo
  • Bonds

AutoCARE

AutoCARE Insurance is a Standard Comprehensive Car Insurance that has a wider coverage than the government mandated CTPL insurance.

Cars insured under AutoCare will be covered with the ff.:

  • Own Damage (OD)
  • Theft, Loss and/or Damage
  • Excess Bodily Injury (EBI)
  • Excess Property Damage (EPD)
  • Acts of God/Nature (AOG/AON)

MotorCARE

MotorCARE Insurance is a Standard Comprehensive Motorcar Insurance that covers the ff.

  • Own Damage (OD), Theft, Loss and/or Damage,
  • Excess Bodily Injury (EBI),
  • Excess Property Damage (EPD)
  • Acts of God/Nature (AOG/AON)

PharmaCARE/Insuremed

Insuremed is Personal Accident insurance program designed for consumers of medicines and other pharmaceutical products.

Insured members under Insuremed will be covered with the ff.:

  • Accidental Death, Dismemberment and/or Disablement (ADD&D)
  • Murder and Unprovoked Assault (UMA)
  • Fire Cash Assistance

NegosyoCARE

NegosyoCARE is a Personal and Property Insurance specifically designed for clients with micro, small, and/or medium enterprises or businesses.

Insured members under NegosyoCARE will be covered with the ff.:

  • property insurance
  • burglary and robbery
  • accidental death
  • permanent disablement and dismemberment
  • accident medical remibursement (AMR)
  • 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.

HomeCARE is underwritten by Federal Phoenix Assurance Company (FPAC).

 

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 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.

CLAIM REQUIREMENTS

  1. 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
  1. 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)
  1. 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
  1. 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)
  1. 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
  1. 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)
  1. 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
  1. 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

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General Exclusions

  1. Planned or expected treatments.
  2. Treatment or surgery for congenital anomalies.
  3. Treatments related to HIV, STD’s, AIDS.
  4. Claims caused by alcoholism and/or illegal drugs.
  5. Self-inflicted injuries, suicide, attempted threats while sane or insane.
  6. Treatment of mental and nervous disorders.
  7. Long-term rehabilitation and psychiatric care.
  8. Treatment for Obesity, weight reduction, or weight improvement.
  9. Chiropractic care, acupuncture, alternative medicine or any experimental procedures.
  10. Cosmetics, plastic surgery, dental care, eye and ear examinations.
  11. Hazardous and dangerous sports or activities.
  12. Any act that violates the law.
  13. Murder, assault, brawl or any attempted threat.
  14. Losses caused by escort or security service.
  15. Voluntary taking of poison, gas, nuclear or radioactive materials.
  16. Hostilities or warlike operations
  17. Any act of terrorism.

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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 ProtectMAX insurance?


Our ProtectMAX 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 P50 per certificate, you will get up to P25,000 personal accident coverage plus P5,000 fire cash aid and P1,000 hospital cash assistance for four months.


2.What is the period of coverage of ProtectMAX?


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

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