FPG Insurance Personal Accident Protection

Your Personal Accident Protection by FPG Insurance provides the quickest and easiest way to give you peace of mind with comprehensive cover for Accidental Death and Disablement, Natural Death, and protection of your house against a fire-related incident.

 

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Coverage

Note: You are covered even when the accident occurs while you are outside of the Philippines. The benefit amount will be payable in Philippine pesos.

Accidental Death Benefit

Pays for the accidental bodily injury if death occurs within twelve calendar months of bodily injury and is directly attributed to accidental bodily injury.

Permanent and Total Disablement

Payable once the Insured becomes disabled permanently, totally, and absolutely from engaging in each and every occupation or employment for compensation within twelve calendar months of bodily injury and not followed within twelve calendar months of the said bodily injury by death.  

Murder and Unprovoked Assault

Pays for 100% of the benefit for accidental bodily injury sustained as a direct result of the insured being a victim of Murder and Unprovoked Assault. Incidents that occurred in the following geographical areas, including their cities, towns, barrios, and barangays are excluded

Accident Burial Benefit 

Pays for the funeral expenses upon the death of the insured person as a result of accidental bodily injury. 

Cash Assistance Benefit  

Pays for fixed financial assistance in the event of death due to illness. 

Fire Assistance Benefit

Pays for the loss and damages incurred to the Insured’s house or contents due to fire and lightning.  

 

The following are the locations that are excluded from the Murder and Unprovoked Assault Benefit:

  • Lanao Del Norte
  • Lanao del Sur
  • North Cotabato
  • South Cotabato
  • Zamboanga Del Norte
  • Zamboanga Del Sur
  • Maguindanao
  • Sultan Kudarat
  • Sulu Archipelago
  • Basilan

 

Eligibility 

Note: You cannot purchase Personal Accident Protection on behalf of someone else. You can buy only one (1) policy for yourself for every three (3) months of coverage.

 

You can avail of this product if you are: 

  • At least 18-65 years old 
  • A Filipino citizen or foreigner who is a legal resident in the Philippines at the time of application
  • A Fully Verified GCash user

 

Purchase FPG Insurance Personal Accident Protection 

Note: The amount for the annual premium payment will be automatically deducted from your GCash Wallet upon purchase. Please make sure you have enough balance in your GCash Wallet to make a successful transaction. If you are unable to pay for your premium due to insufficient funds in your GCash Wallet, FPG Insurance may terminate your policy. However, you still have a grace period of 30 days to pay for your premium.

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Your Policy Contract and other Policy Documents are sent within twenty-four (24) hours to the Policy owner’s email address.

The coverage of Personal Accident Protection is effective for three months and is renewable after the said duration. The insurance cover will commence the day after you enroll and make your first payment via GCash. 

 

Claims and Cancellations

Claims

To file a claim, please secure all the required documents. Once you have secured all the necessary requirements, please send the documents by visiting the FPG Claims Service desk.

Below are the documents needed depending on the type of claim you will be availing:

LIVING CLAIM

DEATH CLAIM

FIRE CASH ASSISTANCE
  • Copy of your policy
  • Duly Accomplished Claim
  • Medical Certificate
  • Incident Report
  • Copy of your policy
  • Duly Accomplished Claim
  • Death Certificate
  • Police Report
  • Autopsy Report
  • Proof of Beneficiary’s Identity (Birth Certificate and Marriage Certificate)
  • Copy of your policy
  • Barangay Certificate
  • Bureau of Fire Certificate
  • Pictures showing the Damages caused by the fire

Note: Processing of claims will only start once requirements are completely submitted. 

FPG Insurance will notify the third-party claimant via email. Settlement shall be disbursed to the GCash account or nominated bank account of the third-party claimant.

 

Cancellation

You may cancel your policy within 15 days after you receive your policy. Please email phcustomercare@fpgins.com to cancel your policy. We shall process your premium refund exclusive of Documentary stamps within 15 business days.

 

Contact FPG Insurance

To contact FPG Insurance, please check out their available channels below:

 

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