GInsure

SMS Insure is a comprehensive insurance product that covers Life, Personal Accident (PA) and Daily Hospital Income (DHI) insurance for GCash users. It is an offering which 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, both leading players in the industry.

 

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Product and Benefits of SMS Insure

Requirements to purchase SMS Insure

Claims

FAQS

 

What are the different products and benefits of SMS Insure?

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 Pays P250 per day up to max 3 days confinement
INSUREME78	Silver	P78	P50,000	P50,000	Up to P1,500 Pays P250 per day up to max 6 days confinement
INSUREME220	Gold	P220	P100,000	P100,000	Up to P5,000 Pays P250 per day up to max 20 days confinement
INSUREME440	Platinum	P440	P200,000	P200,000	Up to P10,000 Pays P250 per day up to max 40 days confinement

 

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 Pays P250 per day up to max 3 days confinement
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 Pays P250 per day up to max 40 days confinement

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Requirements to purchase SMS Insure

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

 

How do I purchase SMS Insure/SMS Insure

Note: 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.

Note: You will receive an SMS payment confirmation of your successful purchase of the Your Personal Accident Protection policy within 1-2 business days.

 

View Policy Contract

Your Policy details are sent within twenty-four (24) hours to the your GCash registered mobile number via SMS..

 

Can I upgrade my policy?

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.

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CLAIMS

How do I file a claim for SMS Insure/SMS Insure?

Note: Once submitted, a claims service representative will reach out to you within 24-48 hours.

 

How do I cancel my policy for SMS Insure/SMS Insure?

When you want to cancel your GCash Insurance policy, submit a service request ticket.

Once finished, you will receive SMS confirmation of your cancellation 1-2 days after sending your email.

If you cancel within 15 days after your initial enrollment date and as long as you haven’t made any claims, you will receive a refund of the premium amount paid.

 

What are the 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

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FAQS

Can I own multiple policies?

No you cannot. 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.

 

Can I buy this policy for someone else?

For now, you may do this by purchasing a family policy. 

 

Can I withdraw all my premium contributions if I cancel my policy?

No. Please take note that SMS Insure is a Term Insurance - it is a type of insurance which 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.

 

I texted but I haven’t received confirmation yet. What do I do?

You may check on these 4 things to make sure you are able to receive the confirmation code.

Issue	Troubleshooting
Eligibility	Are you a Fully Verified user within the age of 18-64?  Check your wallet profile via the GCash App.
SMS	Did you text the correct product code? Make sure you got the capitalization and spacing right.
Insufficient GCash Balance	Does your GCash wallet have enough 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.

 

How do I renew my insurance?

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/top-up your GCash account as soon as possible. It’s important to make sure you have funds in your GCash wallet for hassle-free payments! Don’t worry, you will have a 30-day grace period for renewals. Your cover will terminate at the end of the grace period if your monthly premium remains unpaid.

 

Who can I nominate as my dependents under the family products?

Please see the type of dependents the policy holder’s may nominate below:

Married users	Single users
Legal spouse who is not older than 64 years of age. Children that are 3 – 21 years old.	Parents who are not older than 64 years of age. Siblings that are 3 – 21 years old.

Note: Make sure that you can provide a proof of relationship with these nominated dependents, such as a birth certificate or marriage certificate when making any claim.

 

Where can I go for support for SMS Insure/SMS Insure?

Feel free to contact GCash Help Center by submitting a ticket , or by filling up a service request form. 

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