Personal Accident Basic is a personal accident (PA) insurance program by Cebuana Lhuillier underwritten by Malayan Insurance Company Inc. to make insurance accessible and affordable to the general public. This insurance product can be bought 5 times per month per person.
Total Permanent Disability (Accidental Cause)
Dismemberment and/or Disablement
Up to Php 10,000
Requirements to purchase CL Personal Accident Basic
You can avail of this product if you are:
- At least 18-70 years old
- A Filipino citizen residing in the Philippines at the time of application
- A Fully Verified GCash user
Coverage Period of CL Personal Accident Basic Insurance
The coverage of CL Personal Accident Basic Insurance is effective for one month and is renewable monthly. The insurance policy can cover a maximum of 5 covers per person at any given time while the policy is effective.
The insurance will start at 12:00 NN Philippine Standard Time the day following date of purchase and expiring one (1) month thereafter.
How to purchase CL Personal Accident Basic Insurance Program
STEP 1: On your GCash App, tap GInsure
STEP 2: Tap Personal
STEP 3: Tap Personal Accident Basic
STEP 4: A pop-up Declaration will appear. Tap Agree
STEP 5: You’ll be redirected to the Cebuana Lhuillier Insurance Product page. Tap Proceed
STEP 6: Check out the full packages of the CL Personal Accident Basic Product. Select the package you want to avail and Tap Proceed
STEP 7: Fill in all the required details and upload 1 valid government ID
STEP 8: Read through the Product Terms and Conditions. Tap Proceed
STEP 9: You will be redirected to the GCash App to pay for your policy. Tap Agree
STEP 10: Review details of your transaction and tap Proceed
STEP 11: You will receive a payment confirmation of your successful purchase of the policy
Note: You will receive an SMS and email of your CL Personal Accident Basic Policy.
View Policy Contract
Your Policy Contract and other Policy Documents are sent within twenty-four (24) hours to the Policy owner’s email address.
How do I file a claim for my CL Personal Accident Basic policy?
You may submit your claims request by sending an email to
How long is the usual claims process?
Upon submission of complete and accurate claim documents, the standard turnaround time for the policy holder’s claim is ten (10) working days.
Please note that 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.
In the event of accidental death, immediate notice thereof must be given to the Cebuana Lhuillier.
How long do I wait before my policy application gets approved?
Once the Policyowner has successfully purchased the policy, s/he will be directed right away to the Congratulations page where the product name and reference number will be displayed.
An email confirmation that the Policy has been issued and is in force will be sent to your email address on record. Within twenty-four (24) hours from policy purchase, another email will be sent which includes all policy documents, including the Policy Contract.
Can I renew my policy after the end of the coverage period?
Yes, you may renew your CL Personal Accident Basic policy after one month.
Can I cancel my policy?
Please send an email to email@example.com with email subject: GCash Cancellation - Name of Client
Can I avail of more than one CL Personal Accident Basic policy?
Yes. You can avail of a maximum of 5 CL Personal Accident Basic policies per month per person.
Where can I get more information about this offer?
For any questions, you may send an email to Customer Support at firstname.lastname@example.org or call our Customer helpdesk at (02) 8895-1093.