Microinsurance

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

Period of Coverage

The Policy is Effective for one (1) year from the date of effectivity.

III. General Provisions

1. Target Market are clients of Cebuana Lhuillier branches, alternative distribution channel,
   corporations, institutions, and organization outside Cebuana network.
2. Age eligibility is not less than fifteen (15) days old nor more than sixty-five (65) years
   old.
3. Maximum of one (1) COC per client
4. 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
5. 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.
6. 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

Period of Coverage

The Policy is Effective for one (1) year from the date of effectivity.

III. General Provisions

1. Target Market are clients of Cebuana Lhuillier branches, alternative distribution channel,
   corporations, institutions, and organization outside Cebuana network.
2. 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.
3. Maximum of one (1) COC per client
4. 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.
5. 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

EXCLUSIONS:

No benefit will be payable if death or Injury results from any one of the following causes:

1. 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;
2. Suicide or any attempt thereat;
3. 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.
4. Nuclear radiation or radioactive contamination;
5. Injury sustained while participating in amateur or professional athletics, local sports
   leagues or international tournaments, or any organized and scheduled amateur physical
   contact sport;
6. Cave-in of mines;
7. 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;
8. 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 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.

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).

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).

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).

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).

• 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).

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..

*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.

• 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 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.

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

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

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

2. 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)

3. 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

4. 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)

5. 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

6. 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)

7. 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

8. 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

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.”

Corporate Information

• Amended Articles of Incorporation
• Board of Directors Charter
• Corporate Governance Manual

2022

• General Information Sheet 2022
• Annual Corporate Governance Report 2022

2021

• Annual Financial Statement 2021
• Verification Financial Condition 2021