Buy Load Insurance

Get health insurance coverage for FREE when you purchase mobile or broadband load with your registered GCash number via Buy Load. The coverage is limited and exclusive to mobile or broadband load purchases made within the promo period.

Eligibility:

• Must be 18 to 65 years old
• Filipino Citizen
• Foreigners or tourists (even without permanent residence, as long as using a Philippine local telco SIM)
• With a Fully Verified GCash account
• With a purchase of mobile or broadband load using your personal GCash account Buy Load feature

Insurance Coverage and Benefits

Tap on the dropdown to learn more about the insurance coverage.

Insurance Exclusions:

Motorcycling injuries are covered, except for accidents that violate traffic rules or LTO regulations. The following are not covered:

• Pre-existing conditions, including but not limited to: Asthma, Diabetes, Tuberculosis (TB), Thyroid problems, and other chronic conditions such as Heart disease, Kidney issues, and High blood pressure. 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.
• Communicable diseases declared by the government.

Insurance Validity:

The validity of this insurance will start on the day the load is applied and will end based on the load amount as shown in the table below:

Insurance Stackability

You can combine the benefits of FPG Insurance, as long as you qualify for each one according to the table below:

• You are allowed up to three (3) eligible load purchases with corresponding insurance coverages. Accidental life  benefits are stackable up to three times (max. PHP 30,000), while the disablement/dismemberment and hospital confinement benefits are non-stackable
• You are only allowed a maximum of three (3) insurance policies at any given time
• You may only get a new insurance cover through a new buy load purchase once your active policies is less than 3             
• The maximum amount you can receive for accidental death is PHP 30,000. (Maximum of 3 active policies per user)
• The Hospital Confinement benefit provides PHP 500 per day, lasting up to 5 days (PHP 2,500 max. benefit) under one insurance coverage.
• The Disablement/Disability benefit depends on the lost body part, insured can get up to PHP 10,000.

Example of Stackability

Check the example below to know how you may be able to stack your benefits:

Scenario A

You purchased a prepaid load using your personal GCash account five (5) times within 24 days.

• Transaction 1 (September 1) – You bought a load worth PHP 99. This transaction comes with free insurance valid for seven (7) days.
• Transaction 2 (September 8) – You bought a load worth PHP 299. This includes free insurance valid for fifteen (15) days.
• Transaction 3 (September 8) – On the same day, you bought PHP 50 worth of load. Your purchase comes with free insurance valid for three (3) days.
• Transaction 4 (September 16) – You bought a load worth PHP 99 again. This transaction qualifies for free insurance that is valid for seven (7) days.
• Transaction 5 (September 18) – You bought PHP 99 worth of load. This transaction qualifies for free insurance valid for seven (7) days since your previous free insurance expired on September 10.

Benefits that can be claimed for Scenario A:

You were confined in the hospital due to illness from September 15 to September 17. If, unfortunately, you passed away due to an accident on September 18:

• Hospital Confinement Benefit: You will receive a 3-day hospital confinement benefit equivalent to PHP 1,500 for illness-related confinement.
• Accidental Death Benefit: You will receive PHP 30,000 due to accidental death.
• Total Benefit: Your beneficiary will then receive a total amount of PHP 31,500 from the free insurance.

Scenario B

In a different scenario, you bought a prepaid load using your personal GCash account five (5) times within 24 days.

• Transaction 1 (September 1) – You bought a load worth PHP 99. This transaction comes with free insurance valid for seven (7) days.
• Transaction 2 (September 8) – You bought a load worth PHP 299. This  includes free insurance valid for fifteen (15) days.
• Transaction 3 (September 8) – On the same day, you made another purchase of PHP 299 load. This transaction also comes with free insurance valid for fifteen (15) days.
• Transaction 4 (September 16) – You bought a load worth PHP 99 again. This qualifies for free insurance valid for seven (7) days.
• Transaction 5 (September 18) – You purchased PHP 99 worth of load, but this transaction is no longer eligible for free insurance since you already have three (3) active policies from Transactions 2, 3, and 4.

Note: Your free insurance is dependent on your number of active policies.

Benefits that can be claimed for Scenario B:

You were confined in the hospital due to an accident on September 18 and passed away on September 21.

• Hospital Confinement Benefit: You will receive a 4-day hospital confinement benefit amounting to PHP 2,000.
• Accidental Death Benefit: You will receive an additional PHP 30,000 due to death.
• Total Benefit: Your beneficiary will receive a total amount of PHP 32,000 from the free insurance.

How to process your claims:

Various benefits (for example, hospitalization leading to disability) can be claimed simultaneously as long as you qualify for each benefit according to the terms and conditions of the policy.

To file and process your claims, follow the steps below:

1. Go to the FPG Claims Portal and directly submit your claim
2. Complete the required details for your claim on the FPG Insurance claims notification page. Make sure all required documents are complete (claim notification must be given 15 days from time of  accident).

Claims requirements:
Please submit complete claims documents within 60 days from time of accident

A. General Requirements

• Duly Accomplished Personal Accident Claim Notification Form A & B (Required)
• Accident Report (in the absence of accomplished PA Claim Notification Form)
• Police/Investigation Report (for Vehicular Accident, Unprovoked Murder & Assault, Acc. Death) (if necessary)
• Affidavit of Accident (if necessary)
• Medical Certificate (if Form B of PA 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
• Autopsy report (if necessary)

C. Disability/ Disablement Claim

• Accomplished Disability Form
• MRI/CT Scan Result (if applicable/necessary)
• Hospital Admitting History and Physical Examination
• Certified Clinical Summary 

D. Daily Hospital Income

• Hospital Admitting History stating number of days of confinement and diagnosis

3. Once your claim is evaluated, you will receive your filed claim status through SMS or email notification.

Claim benefit pay-out will reflect in your GCash Wallet within 8 working days from filing.