Microinsurance

CL Personal Accident Nano

CL Personal Accident Nano Insurance covers loss for Accidental Death, Disablement, or Dismemberment, and Cash Assistance due to Food Poisoning. CL Personal Accident Nano Insurance is underwritten by FPG Insurance.

Product Details

• 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.

CL Personal Accident Nano Plus

CL Personal Accident Nano Plus Insurance covers Accidental Death, Disablement, or Dismemberment, Accident Medical Reimbursement, Accident Burial Benefit, Cash Assistance benefit, and Fire Cash Assistance. CL Personal Accident Nano Plus Insurance is underwritten by FPG Insurance.

Product Details

• Age eligibility is from 18 to 64 years old.
• Insured can have a maximum of ten (10) active COCs at any given time.
• Covers animal bites limited to dogs, cats, or snakebites only. Mosquito/insect bites are not covered
• Covers Accidental Food Poisoning
• Covers Acts of Nature resulting to bodily injury only.
• For the insurance exclusions and claims requirements, please refer to the lower part of this page.

CL MicroEnterpriseProtek

CL MicroEnterpriseProtekis a Property Insurance Program specially designed for Cebuana Lhuillier clients. It covers loss “ALL Risks” of physical loss, destruction of or damage to the property of the insured and wholly attributable to any sudden and unforeseen cause, except as hereinafter excluded, occurring during the currency of the policy.MicroEnterpriseProtek is underwritten by FPG Insurance.

For inquiries, you may email [email protected] or call 8895.10.93

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:

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 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).

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.

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

Pet Care Insurance is Individual Insurance specifically designed for Cebuana Lhuillier’s client’s dogs. It covers Medical Reimbursement, Owner’s Liability, Burial Assistance (Euthanasia) and Personal Accident for the Pet Owner.Pet Care Insurance is underwritten by Malayan Insurance.

*For dogs ages 6 months to 8 years old

**Subject to schedule of benefits relative to extent of injury

***Options are limited to Pedigreed Dogs only. Increase in coverage for Non-Pedigreed dogs shall be reviewed upon renewal and subject to additional premium and satisfactory review of Malayan Insurance’s underwriting team.

Conditions to Section 1: Medical Reimbursement

Section 1 of this Policy for expenses that are medically necessary (Medication) to treat or diagnose (Treatment) the Insured Pet arising from an Accident or Illness

1. Laboratory Tests;
2. X-rays, ultrasound, MRI and CAT Scan
3. Surgery;
4. Hospitalization;
5. Medication that is prescribed by a veterinarian;
6. Extractions of permanent broken teeth due to an Accident; and
7. Euthanasia when advised by a veterinarian to alleviate suffering (subject to provisions of R.A. 8485 otherwise known as The Animal Welfare Act of 1998 and R.A. 9482 otherwise known as Anti-Rabies Act of 2007); and
8. Costs of Veterinarian professional fees or charges which are directly and solely in relation to Medication and Treatment as defined and as covered under this policy.

Conditions to Section 2: Owner’s Liability

1. The Insured must not admit responsibility, agree to pay any claim or negotiate with any other person following an incident without the consent and approval from the Insurer.
2. The Insured must immediately send the Company any writ, summon or legal document the Insured received and the Insured must never send any replies to them without the Company’s consent.

Conditions to Section 3: Personal Accident Insurance for the Pet Owner

1. Accidental Food Poisoning (presence of deleterious matter on food anddrinks and not as a result of spoilage/expiration)
2. Accidental Gas Poisoning
3. Acts of Nature
4. Amateur and Social Sports
5. Animal Bites including mosquito bites (except viral infections/diseasefollowing animal/mosquito bites)
6. Commercial flying as fare paying passenger
7. Drowning
8. Motorcycling cover including pillion riding excluding whilst engaged in anyform of racing, riding exhibition, motocross racing, etc.
9. Pyogenic infections acquired through accidental cut or wound
10. Riot, Strikes and Civil Commotion (not as an active participant)
11. 24/7 worldwide coverage; on and off the job.
12. Death Benefit covers Accidental death Only

MICROBIZ PROTEK JR.

CL Microbiz Protek Jr. is Property Microinsurance specifically designed for Cebuana Lhuillier’s clients. It is a cash assistance benefit which pays for property damage caused by Typhoon, Fire&/or Lightning, Flood and Earthquake. It also offers Personal accident coverage, Burglary & Robbery and offers Emergency Assistance via AXA’s EMMA App. CL Microbiz Protek Jr. is underwritten by AXA Philippines.

Effective date of cover: The Policy is Effective for one (1) year starting on the date and time of payment of premiums.

Maximum cover allowed

• Insured can avail of a maximum of one (1) active COC per year. The client can avail another COC after the expiration of the existing Policy.
• Only one policy shall be in force and payable at any point in time. Should a Member secure another cover from AXA for the same establishment/structure, only one benefit will be paid upon the claim. Premiums in excess of the coverage will be refunded

Cash Assistance does not cover any loss or damage due to the following:

• Caused to residential structures and the contents therein unless the same is used in a commercial enterprise
• Claims due to Arson
• Flooding caused by man-made or mechanical events
• Fraudulent claims or those involving any false declaration
• Loss, destruction, damage, or legal liability, directly or indirectly caused by or contributed to by or arising from nuclear weapons material
• Establishments that are less than 50 meters away from a body of water
• Establishments that are not made of Class A materials defined as being made of concrete walls and iron/steel/concrete roof
• Establishments in public markets with no sprinkler systems

General Provisions

1. All terms and conditions are subject to the group policy issued by AXA Philippines.
2. Target Market are clients of Cebuana Lhuillier branches, corporations, institutions, and organizations outside Cebuana network.
3. Eligibility requirements:

• Enrollees must be aged 18 to 64 years old. Insurance cover terminates upon reaching 65 y/o
• For property insurance: Class A structures (concrete structure and steel/iron roof).
• For businesses within public markets, public market must be Class A and have sprinkler system
  1. Open to All CAT exposures nationwide except;
• Non-commercial structures
• Establishments less than 50m from a body of water
• Non-Class A structures
• Businesses that are not in Class A public markets and/or do not have sprinklers

a) Open to all industries

b)Loss caused by non-natural causes, except for Fire are not covered.

c)Multiple claims allowed provided annual aggregate claims do not exceed policy limits.

•         Claims up to maximum cover or Total Sum Insured in a policy year
•         Personal Accident benefit is retained even if Property cover has been exhausted.
•         Robbery & Burglary benefit is terminated once Property cover has been exhausted.

d)No limit on access to Emergency Assistance as long as insurance cover is in effect. The insured will pay for any assistance services availed of.

•        No waiting period applicable
•        No deductibles applicable
•        Flooding due to habagat is covered
•        Flooding due to a typhoon is covered.

e)Suspension of selling applies in the following cases:

Cebuana Lhuillier Rider Insurance specifically designed for bikers or riders. It covers Accidental Death, Accidental Disability, Accidental Medical Reimbursement, Daily Hospital Income, Micro Life Insurance and Telemedicine Consultation. Cebuana Lhuillier Rider Insurance is underwritten by Generali Life Assurance Philippines, Incorporated.

The Insured is covered for one (1) year from the stated effective date on the certificate or SMS advice. Age eligibility is 18 to 65 years old in good health and are actively-at-work, Non-Transferrable. For Medical related benefits, coverage will take effect 46 hours from effective date.

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]lier.com 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

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 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.

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.

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

For non-declaration of insurance beneficiaries, the rule under the Philippine Insurance Code will prevail.

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

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

1. Intentionally self-inflicted injuries, suicide or any attempt thereat, while sane or insane.
2. Any bodily or mental infirmity, disease or sickness, or infection other than infection occurring because of an accidental cut or wound.
3. Murder, assault or any attempt thereat, except as specifically provided under Murder and Assault Provision.
4. Losses incurred while performing his duties as a member of the Armed Forces, including those of escort and security services rendered in whatever capacity or form.
5. War, invasion, act of foreign enemy, hostilities or warlike operation (whatever war declared or not), civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, civil commotion assuming the proportion of or amounting to a popular uprising. This exclusion shall not be affected by any endorsement which does not specifically refer to it in whole or in part.
6. Poison, gas or fumes voluntarily taken, or any nuclear reaction, nuclear radiation or radioactive contamination and chemical or biological contamination. For the purposes of this exclusion, “contamination” means the contamination or poisoning of people by nuclear and/or chemical and/or biological substances which cause Illness and/or disablement and/or death.
7. Accident occurring while the Insured Individual is operating or learning to operate or serving as a crew member of an aircraft or seacraft.
8. Accident occurring while the Insured Individual is engaged in any dangerous sports or hobbies such as racing on wheels, glider flying , sailing or other hobbies which are comparably dangerous and risky, unless sports premium is paid to cover such risk.
9. Accident caused by the effect of alcohol or any unprescribed drug on the Insured Individual.
10. Any violation or attempted violation of the law or resistance to arrest by the Insured Individual.
11. Cosmic or plastic surgery, any dental work, treatment or surgery, eye or ear examination, except to the extent that any of them is necessary for the repair or alleviation of damage to the Insured’s person caused solely by Accident.
12. Accident occurring while the Insured Individual is performing the duties of his profession: Acrobat, Asylum Attendant, Aviator, Boilerman, Policeman, Sawmill Worker, Wood-Working Machinist and Window Cleaner.
13. Accident to any of the following persons: Divers while performing underwater activities; Firemen while performing fire-fighting activities;
14. Any Act of Terrorism or any action taken in controlling, preventing, suppressing, or in any way relating to, any act of terrorism. For the purpose of this exclusion, an “Act of Terrorism” means an act, including but not limited to, the use of force or violence, atomic/ biological/ chemical weapons, weapons of mass destruction, disruption or subversion of communication and information systems infrastructure and/or the contents thereof, sabotage or any other means to cause or intended to cause harm or whatever nature and/or the threat of any of the aforementioned acts, of any person or group(s), whether acting alone or in behalf of or in connection with any organization(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

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.”