GInsure Bill Protect

GInsure Bill Protect is an insurance product that provides a lump sum of up to 36 months (3 years) of your GCash Bill payment amount at enrollment if you suffer accidental death or permanent disablement, and pays a fixed Daily Hospital Income Benefit for each day you are confined in a hospital due to accident or illness, for up to 5 days.

Jump to:

• Eligibility
• Coverage and Benefits
• Enrollment and Payment
• Claims and Cancellation
• Contact Chubb

Eligibility

You can enroll in GInsure Bill Protect if you fulfill all of the requirements below:

• At least 18-75 years old
• A Filipino or legal Philippine resident
• Have a GCash account
• Paid a biller in Pay Bills via GCash app

Coverage and Benefits

Coverage

All biller categories are eligible for GInsure Bill Protect. You will be covered for thirty (30) calendar days, effective on the day of your successful GCash Pay Bills transaction with enrollment to GInsure Bill Protect, after which coverage will end.

The following are NOT covered under GInsure Bill Protect - Accidental Death and Permanent Disablement arising from:

• Self-inflicted injury
• Suicide
• Criminal or illegal act
• Being under the influence of alcohol or unprescribed drugs
• HIV/AIDS-related
• Conditions arising from abortion, pregnancy, childbirth, or miscarriage

You may enroll a bill and pay the premium again when you make another GCash bill payment, upon which your coverage will reset for another calendar month. The more bills paid and enrolled under GInsure Bill Protect, the bigger the lump sum benefit amount will be under the covered period.

Benefits

You will be covered for 36 times the GCash bill amount paid if you are unable to earn and settle your payment obligations due to accidental death or permanent disablement.

Sample computation of total benefit:

• Bill payment amount: PHP 1,500 × 36 months = PHP 54,000 total coverage

The benefit is payable to the GCash account owner who successfully paid a bill and the GInsure Bill Protect premium via GCash. This may not be the same individual whose name appears on the bill.

In case of the insured’s death, the benefit will be payable to the beneficiary designated by the insured or, in the absence of a beneficiary designation, to the person or persons in the following order of preference:

• Legal spouse
• Children
• Parents
• Siblings

Example: John pays for his father’s bill via his GCash account and enrolls it in GInsure Bill Protect. John is the insured.

Daily Hospital Income

• You are covered for PHP 500 per day, for a maximum of 5 days of hospital confinement due to accident or illness.
• A maximum of three policies may be in force at the time of hospital confinement.

Enrollment and Payment

Enrollment

You can enroll a bill to GInsure Bill Protect as an add-on every time you make a Pay Bills transaction via the GCash app. You can also enroll more than one because the more bills paid and enrolled with GInsure Bill Protect, the bigger the lump sum benefit amount will be under the covered period.

You will receive a Confirmation of Cover from our insurance partner, Chubb, within 24-48 hours after successful enrolment to GInsure Bill Protect as part of your transaction.

You can also visit the MyGInsure page in the GCash app to check your policies.

• Select GInsure > select My GInsure and under > Active Policies select your Bill Protect policy. Take note of your policy number. 
• Visit Chubb MyAccount and log in using your policy number and the OTP received via SMS or email. Click "Download" under Policy Details to download a copy of your Confirmation of Cover.

Payment

Note: Payment 

The premium is computed as Bill Payment Amount x 0.920%.

Note: GCash has a maximum total transaction amount per fully verified user, which is PHP 100,000 per month. Cap for the insurable amount will follow the same limits.

The lump sum benefit cap will hence be: PHP 100,000 x 36 months = PHP 3,600,000

Claims and Cancellation

Claims for Accidental Death and Permanent Disablement

To file a claim, prepare the following requirements:

1. Valid ID of the Insured (GCash User) or of the Beneficiary of the GCash User
2. Birth & Death Certificates of the Insured
3. Proof of Relationship to Beneficiary
4. Attending Physician’s Report
5. Original Copy of Police Report
6. Notarized Affidavit of Witness
7. Autopsy Report or Medico-Legal Statement

Claims for Daily Hospital Income

To file a claim, prepare the following requirements:

1. Valid ID of the Insured (GCash User) or of the Beneficiary of the GCash User
2. Attending Physician’s Statement
   • Hospital SOA showing the number of days confined. 

Then, visit the Chubb CARE by clicking your MyGInsure policy on the GCash app and submit your claim.

Cancellation

You can request cancellation of your cover during the free-look period which is within 7 days from the time of successful Pay Bills transaction with enrollment to GInsure Bill Protect. The premium will be refunded to your GCash wallet in full within this period.

Note that cancellations cannot be accommodated if it's beyond 7 days.

If you would like to cancel Bill Protect and it's still within 7 days from your enrollment, please click here to ask for help.

Contact Chubb

If you have questions about your policy, filing of claims, or status of claims filed:

• You may call the Chubb hotline +63277565410, Monday to Friday, 9:00am – 5:00pm, excluding public holidays.
• You may also email gcashcustomerinquiries@chubb.com