Cebuana Lhuillier EmployeeCARE Personal Accident Insurance

COVERAGE

DEFINITION

LIMITS

Accidental Death, Disablement & Dismemberment

Provides indemnity to the Insured/s for loss of life arising from an Accident.

The term “accident” for the purpose of this insurance shall be understood to mean a sudden, unforeseen, violent, and external event that results to visible bodily injury or loss of life.

PHP 50,000

Total Permanent Disability

Provides lump sum benefit if the insured, due to accident, is unable to engage in any occupation or employment for compensation or profit for which he is qualified by reason of his training, education, or experience.

PHP 50,000

Disablement or Dismemberment*

Subject to the Schedule of Benefits, the policy will provide compensation

(i) for loss of limbs or body parts or

 (ii) incapacity to move or use limbs or

body parts (e.g. blindness, crippling, etc.).

Up to PHP 50,000

Murder & Unprovoked Assault

Provides indemnity to the Assured for loss of life or injury due to murder

and unprovoked assault arising from robbery, hold-up, assault, or other unlawful acts done to the Assured.

PHP 50,000

Burial Expense Benefit - accidental death

Provides financial assistance up to the specified limit in the policy for burial expenses in the event of the Assured’s death due to accident.

PHP 5,000

Daily Hospital Income - accidental cause

Provides financial assistance to the insured on a daily basis in the event of hospital confinement due to accident for a maximum of 5 days per

confinement and 30 days annual aggregate.

PHP 100/day

Fire Cash Assistance

Provides lump sum cash assistance benefit to the Assured, up to the amount stated in the policy schedule of cover in the event of direct loss of or damage (up to 75% damaged and rendered uninhabitable) to the Assured’s personal belongings and property due to Fire and Lightning.

PHP 1,000

Actors, entertainers, models, media men, professional sportsmen/women

Airline crew, pilots, airport maintenance ground crew

Ammunition, firework, and explosives manufacturers

amusement arcade and fairground workers, zoo attendants

Artist (excl. commercial)

circus, zoo, and wildlife park workers

persons engaged in hazardous sports and pastimes (e.g. gliding, hang gliding and ballooning, motor racing of any kind including

stock car racing and carting, mountaineering, rock and cliff climbing using ropes or guides, parachuting, pot-holing and similar underground activities, power and speedboat racing, private flying as a pilot, skin diving or use of underwater breathing

apparatus, etc.)

civil engineering contractors (e.g. blast furnace, bridge, chimney,dam, dock, foundation, harbor, pier, piling, reservoir, road, structural steel, tower, tunnel, well, and wharf, construction, demolition, erection and maintenance)

construction workers, railway track workers/maintenance personnel, foundry workers, roofers, quarry/sand and gravel pit

workers, tree fellers, haulers

film cameramen, crew, stuntmen, international reporters and

photographers

persons declaring two or more accidents in past 5 years which

would have generated claims under a Personal Accident policy

members of the Armed Forces (e.g. AFP, PNP, Navy, Marines, etc.), security guards, barangay tanods, firemen, merchant navy

crews

scrap dealers

life assurance declinature

Persons residing or about to reside abroad

cleaners of building exteriors

Persons engaged in external works at high rise locations (height in excess of 15m) such as steeplejacks, scaffolding crew, window

cleaners, etc.

Persons working in or around docks and harbors (e.g. stevedores,

dredger operators, wharf workers, tug operators)

Persons working below ground (e.g. coal miners and colliery engineers)

Persons working underwater (e.g. diving contractors, professional divers)

Persons working in boats or at sea (e.g. bargemen, seamen, fishermen, etc.)

Description of Dismemberment

Percentage of the Capital Sum

Loss of two limbs

100%

Loss of both hands, or all fingers, and both thumbs

100%

Loss of both feet

100%

Loss of one hand and one foot

100%

Loss of sight of both eyes

100%

Any other injury causing permanent total disablement

1%/ month up to 100

Loss of arm at or above the elbow

70%

Loss of arm between elbow and wrist

50%

Loss of hand

50%

Loss of leg at or above knee

60%

Loss of one foot 

50%

Loss of sight of one eye

50%

Loss of speech

50%

Loss of hearing - both ears

50%

Loss of hearing - one ear

25%

Total loss by physical severance or total and permanent loss of use of:

Thumb and four fingers of one hand

50%

Four fingers of one hand

40%

Thumb (both phalanges)

25%

Thumb (one phalanx)

10%

Index finger (three phalanges)

15%

Index finger (two phalanges)

8%

Index finger (one phalanx)

4%

Middle finger (three phalanges)

10%

Middle finger (two phalanges)

4%

Middle finger (one phalanx)

2%

Ring finger (three phalanges)

8%

Ring finger (two phalanges)

4%

Ring finger (one phalanx)

2%

Little finger (three phalanges)

6%

Little finger (two phalanges)

3%

Little finger (one phalanx)

2%

All toes of one foot

17%

Great toe (two phalanges)

5%

Great toe (one phalanx)

2%

Any other toe 

3%