Load Plus Health Insurance 2025
Get health insurance coverage for FREE when you purchase participating data promos with your registered GCash number via Buy Load. The purchase should be made within the promo period.
Promo Duration:
January 20, 2025 to February 19, 2025 (valid only on all Mondays to Wednesdays within this duration)
Eligibility:
- Exclusive to select Globe, TM, and Smart subscribers
- Must be 18 to 65 years old
- With a Fully Verified GCash account
- With a purchase of any of the following data promos using your registered GCash via Buy Load made within the specified promo period:
- Globe: GoEXTRA99
- TM: EasySURF99
- Smart: POWER ALL FB 99
Note:
The insurance and its coverage is non-transferable.
How to know if you’re qualified
Qualified subscribers will receive notifications on their GCash app via pop-ups and push notifications.
How to avail promo
- If you are eligible, you will receive targeted app notifications via popup and push notifications to inform you about the promo. Click Buy Now to proceed.
- You will be redirected to a landing page with the promo inclusions, Terms & Conditions link, and consent form. Input your registered GCash mobile number > tap Buy Now.
- Pay for the data promo.
You will receive your Certificate of Coverage in your GCash app within 24 hours of your purchase. To view the app inbox, go to your GCash homepage > tap Inbox from the bottom tab.
Note:
FPG Insurance Co., Inc underwrites all policy terms and conditions of this insurance product. FPG Insurance will address all concerns on the policy.
To see the full policy of this insurance product, click here.
Insurance Coverage and Benefits
| Benefits | Limit per policy |
| Accidental Death | PHP 10,000 |
| Accidental Disablement/Dismemberment | Up to PHP 10,000 |
| Daily Hospital Income (Accident or Illness) (max of 5 days) |
PHP 500/day (max P2,500) |
Tap on the dropdown to learn more about your insurance coverage.
Get payment up to the Sum Insured in the event of death due to an accident. This provides you 24-hour protection, on or out of the job within the declared insurance period. The maximum Sum Insured can be up to PHP 30,000.
If you acquire an injury (within the declared period of insurance after the accident) that does not result to loss of life but results in any of the following losses:
| Description of Disablement | Percentage of the Sum specified in the benefit |
| Loss of two limbs | 100% |
| Loss of both hands, or of all fingers and both thumbs | 100% |
| Total loss of sight of both eyes | 100% |
| Total paralysis | 100% |
| Loss of both feet | 100% |
| Injuries resulting in being permanently bedridden | 100% |
| Any other injury causing permanent total disablement | 100% |
| Loss of arm at or above elbow | 50% |
| Loss of arm between elbow and wrist | 50% |
| Loss of hand at wrist | 50% |
| Loss of four fingers and thumb of one hand | 50% |
|
Loss of Leg - at hip |
70% |
| - between knee and hip | 60% |
| - below knee | 50% |
| Loss of hearing - both ears | 50% |
Get a daily allowance if you are confined in a hospital due to illness or accident up to a maximum of 5 days. This benefit provides PHP 500 per day, lasting up to 5 days (PHP 2,500 maximum benefit) under one insurance coverage.
Insurance Exclusions:
- Injuries resulting from self-inflicted harm or illness or illegal activities
- Death or hospitalization due to mosquito or insect bites
- Death or hospitalization resulting from the following are not covered:
- suicide or attempted suicide
- alcoholism
- drug abuse
- Pregnancy
- AIDS
- Communicable Disease
- Pre-existing Condition and/or Illnesses
- Pre-existing illnesses shall include, but are not limited to: Bronchial Asthma and Systemic Allergies, Chronic Obstructive Pulmonary Disease (COPD), Diabetes Mellitus, Tuberculosis, Thyroid diseases, Systemic allergies, Dysfunctional Uterine Bleeding, Chronic EENT conditions that may require surgery, Cardiovascular diseases, Chronic Cholecystitis/Cholelithiasis, Benign or malignant new growth, Endometriosis, Stroke/ Paralysis/Epilepsy, Hernia, Hemorrhoids and Fistula, Gastric or Duodenal Ulcers, Liver Cirrhosis, Kidney diseases, Blood Dyscrasia, Immunologic and Collagen diseases, Hallux Valgus and Lithiasis, Urolithiasis and Glomerulonephritis, Hypertension of whatever etiology.
- You were involved in high-risk activities including extreme sports, including but not limited to:
- Extreme sports include: hunting, racing, steeplechasing, polo, mountaineering, scuba diving, hang gliding, winter sports, professional sports, ice hockey, football, rugby, and basketball.
- Death or hospitalization wherein you have violated the law at the time; including but not limited to:
- Your driver’s license was expired or invalid
- Your vehicle registration has expired
- You were under the influence of alcohol or prohibited drugs
- You have violated one or more traffic laws
Insurance Validity:
The validity of the insurance will start on the day the load promo is purchased and will end after 7 days.
Insurance Stackability:
If you purchase the eligible data promo multiple times within the promo period, the Accidental Death Benefit of your active insurance policies are stackable up to 3 times (Maximum of PHP 30,000 per insured individual), as long as the promos are not expired at the date of accidental death.
Note:
The Disablement or Dismemberment and Hospital Confinement Benefits are non-stackable.
Sample Scenario:
Check the sample scenario below to know how you may be able to stack your benefits.
Example:
You bought an eligible prepaid load using your personal GCash account five (5) times within 24 days.
- Transaction 1 (September 1) – You purchased a load promo worth PHP 99. This transaction comes with free insurance that is valid for seven (7) days after purchase.
- Transaction 2 (September 3) – You purchased a load promo worth PHP 99. This transaction includes free insurance valid for seven (7) days after purchase.
- Transaction 3 (September 6) – You purchased a load promo worth PHP 99. This transaction comes with free insurance valid for seven (7) days after purchase.
- Transaction 4 (September 13) – You purchased a load promo worth PHP 99. This transaction qualifies for free insurance that is valid for seven (7) days after purchase.
- Transaction 5 (September 18) – You purchased a load promo worth PHP 99. This transaction qualifies for free insurance valid for seven (7) days after purchase.
Benefits that you can claim:
If, for example, you or the insured person who participated in this promo was confined in the hospital due to illness from September 15 to September 17, and passed away due to an accident on September 18, you may receive the following:
- Hospital Confinement Benefit: The insured may receive a 3-day hospital confinement benefit amounting to PHP 1,500 for their illness-related confinement.
- Accidental Death Benefit: The insured may receive PHP 20,000 due to their accidental death.
- Total Benefit: The beneficiary of the insured person may receive a total amount of PHP 21,500 from the free insurance.
How to process your claim:
- Go to the FPG Claims Portal and directly submit your claim
- Complete the required details for your claim on the FPG Insurance claims notification page (claim notification must be given 15 days from time of accident).
Claims requirements:
To process your claims, please submit and complete the required documents within 60 days from the time of the accident.
A. General Requirements
- Duly accomplished Personal Accident Claim Notification Form A & B (Required)
- Accident Report (in the absence of accomplished P.A. Claim Notification Form)
- Police/Investigation Report (for Vehicular Accident, Assault, Accidental Death) (if necessary)
- Affidavit of Accident (if necessary)
- Medical Certificate (if Form B of P.A. Claim Form is not accomplished)
B. Death Claim
- Death Certificate
- Birth Certificate
- Certified True Copy of Marriage Certificate (if applicable)
- Certified True Copy of Birth Certificate of Children (if applicable)
- Admitting History, operating room record, discharge summary & other Diagnostic/Laboratory Results
C. Disability/ Disablement Claim
- Accomplished Disability Form
- MRI/CT Scan Result (if applicable/necessary)
- Hospital Admitting History and Physical Examination
- Certified Clinical Summary
- Once your claim is evaluated, you will receive your filed claim status via SMS or email.
- The payment for your benefit will be credited to your GCash account within 8 business days from the completion of submitted documents.
DISCLAIMER:
This is meant to give a summary of the insurance program. For the full terms and conditions, please refer to this Policy.
For any inquiries or concerns, contact FPG Insurance or visit their website at https://ph.fpgins.com/.