Top Accident Insurance Plans In The Philippines
ACCIDENT INSURANCE PLANS – These accident insurance plans cater to various needs and budgets, providing essential protection and peace of mind in the event of unforeseen accidents.
No one anticipates being involved in an accident, whether it’s a sports-related injury, a car collision, or a slip-and-fall incident. These unexpected events not only cause significant physical pain but can also lead to financial strain if you’re not adequately prepared.
The last thing you want to worry about during your recovery, or worse, burden your loved ones with, is financial concerns. That’s why having accident insurance from a trusted provider is crucial, as it can help you manage expenses even before your medical bills start to pile up.
Here are some of the top accident insurance plans available in the Philippines:
1. Metropolitan Personal Accident Insurance
– Offered by Metropolitan Insurance Company.
– Covers losses from accidents up to Php150,000.
– Eligibility: 18 to 65 years old.
– Price: Starts at PHP 45 (for 1-year coverage).
– Coverage includes accidental death & disablement/dismemberment, unprovoked murder & assault, medical reimbursement, and burial expenses.
2. GenCare Life Personal Accident
– Provided by Generali Life Assurance Philippines, Inc.
– Offers protection up to Php500,000.
– Eligibility: 18 to 65 years old.
– Price: Starts at PHP100 (for 1-year coverage of up to PHP100,000).
– Coverage includes accidental death & disablement/dismemberment, motorcycling coverage, and unprovoked murder & assault.
3. STARR Accident Protect
– Provided by Starr Insurance Companies.
– Provides up to Php2,000,000 in benefits.
– Eligibility: 18 to 65 years old.
– Price: Starts at PHP217.50 (1-year coverage up to PHP100,000).
– Coverage includes accidental death & disablement/dismemberment, medical expenses, burial expenses, burns benefits, common carrier benefits, and unprovoked murder and assault.
4. GenCare Personal Care
– Another comprehensive insurance from Generali Life Assurance Philippines, Inc.
– Covers up to PHP200,000 in damages.
– Eligibility: 18 to 65 years old.
– Price: Starts at PHP490 (for 6 months coverage up to PHP50,000).
– Coverage includes accidental death & disablement/dismemberment, emergency room, outpatient, and life-threatening cases, daily hospital income due to all causes, and 24/7 Call-a-Doc.
5. Malayan Insurance Family Relief
– Protects you and your family from financial worries caused by accidents.
– Offers comprehensive burial and funeral insurance up to Php500,000.
– Eligibility: 1 to 70 years old.
– Price: Starts at PHP500 (coverage of up to PHP500,000).
– Coverage includes burial expenses, burial services, funeral service expenses, funeral services, and casket or urn.
6. MAPFRE Individual Personal Accident Insurance
– Presented by MAPFRE Insurance.
– Covers up to PHP5,000,000 in damages.
– Eligibility: 18 to 70 years old.
– Price: Starts at PHP624 (1-year coverage up to PHP500,000).
– Coverage includes accidental death & disablement/dismemberment, medical expenses, burial expenses, motorcycling coverage, unprovoked murder & assault, and more.
7. Fortune General Personal Accident Insurance
– Provided by Fortune General.
– Offers up to PHP1,000,000 in compensation for death or injuries due to accidents.
– Eligibility: 18 to 65 years old.
– Price: Starts at PHP951.85 (1-year coverage up to PHP250,000).
– Coverage includes accidental death & disablement/dismemberment, unprovoked murder & assault, medical expenses, burial expenses, and daily hospital income loss due to accidents.
8. Liberty Moms
– Provided by Liberty Insurance Corporation.
– Covers losses up to PHP100,000 related to miscarriages.
– Eligibility: 20 to 45 years old.
– Price: Starts at PHP1,488.80 (coverage up to PHP100,000).
– Coverage includes accidental death & disablement/dismemberment, medical expenses due to an accident, burial expenses due to an accident, and more.
9. Personal Accident – KanGuard (FWD)
– Offered by FWD, a leading insurance provider in the Philippines.
– Covers up to PHP500,000 in damages.
– Eligibility: 18 to 50 years old.
– Price: Starts at PHP1,799 per year.
– Coverage includes death due to an accident, disabilities due to a terrorist act, emergency medical transport, and more.
10. Malayan Insurance Stela Shield
– Provided by Malayan Insurance, offering protection tailored for women.
– Provides up to PHP1,000,000 in loss coverage.
– Eligibility: 18 to 64 years old.
– Price: Starts at PHP2,825 (coverage up to PHP1,000,000).
– Coverage includes accidental death & disablement/dismemberment, medical expenses due to an accident, daily hospital income, and various additional benefits.
11. Singlife Protect from Income Loss (Accidents Only)
– Offered by Singlife, a popular insurance company now available through GCash.
– Provides coverage for accidents affecting regular monthly income.
– Coverage includes various types of accidents with different coverage percentages.
– Eligibility: 18 to 64 years old, fully verified GCash users, Filipino citizens, or legal Philippine residents.
12. Chubb Personal Accident Insurance
– Offered by Chubb Philippines, featuring a range of non-life insurance products.
– Coverage includes accidental death and dismemberment, disability, medical expenses resulting from an accident, burial benefits, unprovoked murder, and more.
– Eligibility: Philippine residents, 18 to 65 years old on the policy’s effective date.
– Price: Group Insurance depending on chosen term and coverage.
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