SMS Insure
SMS Insure is a comprehensive insurance product that covers Life, Personal Accident (PA), and Daily Hospital Income (DHI) insurance that provides valuable financial protection in the event of hospitalization, accident, and/or death.
SMS Insure is powered by EnsureMePh Insurance Broker, Inc. (InsuranceKo) and underwritten by AXA Philippines.
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Products and Benefits
Note: The term coverage for all policies is annual.
Personal Insurance
Only the GCash user is eligible to sign up for SMS Insure Personal Insurance
SMS Code | Product Tier | Monthly Premium |
Term Life Coverage (Per Person Insured) |
Personal Accident Coverage (Per Person Insured) |
Hospital Cash Coverage |
INSUREME39 |
Bronze |
P39 |
P25,000 |
P25,000 |
Up to P750 |
INSUREME78 |
Silver |
P78 |
P50,000 |
P50,000 |
Up to P1,500 |
INSUREME220 |
Gold |
P220 |
P100,000 |
P100,000 |
Up to P5,000 |
INSUREME440 |
Platinum |
P440 |
P200,000 |
P200,000 |
Up to P10,000 |
Family Insurance
Only the GCash user and nominated dependents are eligible to sign up for SMS Insure Family Insurance
SMS Code | Product Tier | Monthly Premium | Term Life Coverage (Per Person Insured) | Personal Accident Coverage (Per Person Insured) | Hospital Cash Coverage |
INSUREFAM117 |
Bronze |
P117 |
P25,000 |
P25,000 |
Up to P750 |
INSUREFAM234 | Silver | P234 | P50,000 | P50,000 | Up to P1,500 Pays P250 per day up to max 6 days confinement |
INSUREFAM660 | Gold | P660 | P100,000 | P100,000 | Up to P5,000 Pays P250 per day up to max 20 days confinement |
INSUREFAM1320 |
Platinum |
P1320 |
P200,000 |
P200,000 |
Up to P10,000 |
Eligibility
You can avail of this product if you are:
- A Fully Verified GCash user
- Within the age of 18-64 years old
- In good health during the time of enrollment
Purchase SMS Insure
The amount for 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.
You cannot own multiple policies. Only one policy is allowed per GCash user. If the customer happens to have multiple active policies and there is a claim, the claim must be filed against one policy only.
To purchase SMS Insure, follow the steps below:
You will receive an SMS payment confirmation of the successful purchase of Your Personal Accident Protection policy within 1-2 business days.
If you want to upgrade your GCash Insurance policy, submit a service request ticket.
You will receive confirmation from GCash after the cutoff date of your current plan.
Dependents under the family products
Note: You may buy a policy for someone else by purchasing a family policy.
Dependents the policy holder may nominate |
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Married users |
Single users |
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Make sure that you can provide proof of relationship with these nominated dependents, such as a birth certificate or marriage certificate when making any claim.
View Policy Contract
Your Policy details are sent within twenty-four (24) hours to your GCash-registered mobile number via SMS.
No confirmation received
Issue |
Troubleshooting |
Eligibility |
Make sure that you are a Fully Verified user within the age of 18-64. Please check your wallet profile via the GCash App. |
SMS |
Make sure that you texted the correct product code. Make sure you got the capitalization and spacing right. |
Insufficient GCash Balance |
Payments are automatically deducted from your balance once you have signed up for SMS Insure. |
Processing Time |
The current processing time for SMS Insure policies usually takes 1-2 days. |
Claims
To file a claim, follow the steps below:
Note: Once submitted, a claims service representative will reach out to you within 24-48 hours.
Exclusions of claims under SMS Insure
The following cases shall not be eligible for benefit payment:
- Self-inflicted injury, suicide, or any attempt threat
- Strike, riot, civil commotion, acts of terrorism, revolution, insurrection, declared or undeclared war, or any warlike operation
- Any illegal act committed by the insured (murder, theft, drug-related crime, etc.)
- Childbirth and female reproductive illnesses
Renewal and Cancellation
Renewal
Your subscription is automatically renewed every month. The monthly premium amount will be deducted from your GCash wallet on each monthly cutoff. You will receive a renewal reminder 5 days prior to the renewal due date stating the amount to be deducted and the scheduled collection date.
In case you miss your payment, all you have to do is load or top-up your GCash account as soon as possible. Please make sure you have funds in your GCash wallet. You will have a 30-day grace period for renewals.
Note: Your cover will terminate at the end of the grace period if your monthly premium remains unpaid.
Cancellation
If you want to cancel your GCash Insurance policy, please submit a service request ticket within 15 days after your initial enrollment date. As long as you haven’t made any claims, you will receive a refund of the premium amount paid. Once finished, you will receive an SMS confirmation of your cancellation 1-2 days after sending your email.
Note: You cannot withdraw all your premium contributions when you cancel your policy. Please take note that SMS Insure is a Term Insurance - it is a type of insurance that provides you with coverage for a certain period.
If you decide to terminate your insurance, the premium payment in this type of insurance is not refundable once your insurance policy expires. This type of insurance has no Cash Value, the only value is the guaranteed benefit from the policy which is Life, Personal Accident, and Daily Hospital Income benefit.
Support
Feel free to fill up a service request form to contact InsuranceKo.