Load Plus Health Insurance
Get FREE health insurance coverage when you purchase mobile or broadband load and opt-in with your registered GCash number via Buy Load. The insurance is provided at NO cost and will expire at the end of the coverage period WITHOUT any renewal or additional charges.
Jump to:
- Eligibility
- Insurance Validity
- Insurance Stackability
- Steps to Process your Claim
- Frequently Asked Questions
- Contact FPG Insurance
Eligibility
- The insured must be between 18-65 years old
- You must have a fully verified GCash account
- Filipinos or foreigners (even without permanent residence and just tourists, as long as they are using a Philippine local telco SIM)
- Free coverage is given to all Buy load transactions purchased in the GCash App
- The insurance and its coverage cannot be transferred to others
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:
| GCASH BUY LOAD AMOUNT (PESO) | PERIOD OF COVERAGE |
| 1.00 - 65.00 | 3 days |
| 66.00 - 150.00 | 7 days |
| 151.00 - 450.00 | 15 days |
| 451.00 & up | 30 days |
Insurance Stackability
You can combine the benefits of FPG Insurance, as long as you qualify for each one according to the table below:
| GCASH BUY LOAD AMOUNT | PERIOD OF COVERAGE (DAYS) | ACCIDENTAL DEATH COVERAGE |
| 1 to 65 | 3 | PHP 10,000.00 |
| 66 to 150 | 7 | |
| 151 to 450 | 15 | |
| 451 and above | 30 |
- 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 is based on the computation listed in the table below:
|
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% |
Example of Stackability
Check the examples below to know how you may be able to stack your benefits:
Person A bought a prepaid load using a personal GCash account five (5) times within 24 days.
- Transaction 1 (September 1) – Person A purchased load worth PHP 99. This transaction comes with free insurance that is valid for seven (7) days.
- Transaction 2 (September 8) – Person A bought a load worth PHP 299. This transaction includes free insurance valid for fifteen (15) days.
- Transaction 3 (September 8) – On the same day, Person A made another purchase of PHP 50 load. This transaction comes with free insurance valid for three (3) days.
- Transaction 4 (September 16) – Person A bought a load worth P99 again. This transaction qualifies for free insurance that is valid for seven (7) days.
- Transaction 5 (September 18) – Person A purchased PHP 99 worth of load. This transaction qualifies for free insurance valid for seven (7) days since their previous free insurance expired on September 10.
Person A was confined in the hospital due to illness from September 15 to September 17. Unfortunately, Person A passed away due to an accident on September 18.
Benefits that can be claimed:
- Hospital Confinement Benefit: Person A will receive a 3-day hospital confinement benefit amounting to PHP 1,500 for their illness-related confinement.
- Accidental Death Benefit: Person A will receive PHP 30,000 due to their accidental death.
- Total Benefit: The beneficiary of Person A will receive a total amount of PHP 31,500 from the free insurance.
Person B who bought a prepaid load using their personal GCash account five (5) times within 24 days.
- Transaction 1 (September 1) – Person B purchased a load worth PHP 99. This transaction comes with free insurance valid for seven (7) days.
- Transaction 2 (September 8) – Person B bought a load worth PHP 299. This transaction includes free insurance valid for fifteen (15) days.
- Transaction 3 (September 8) – On the same day, Person B made another purchase of PHP 299 load. This transaction also comes with free insurance valid for fifteen (15) days.
- Transaction 4 (September 16) – Person B bought a load worth PHP 99 again. This transaction qualifies for free insurance valid for seven (7) days.
- Transaction 5 (September 18) – Person B purchased PHP 99 worth of load, but this transaction is no longer eligible for free insurance since they already have three (3) active policies from Transactions 2, 3, and 4.
This shows how free insurance works based on the number of active policies.
Person B was confined in the hospital due to an accident on September 18 and passed away on September 21.
Benefits that can be claimed:
- Hospital Confinement Benefit: Person B will receive a 4-day hospital confinement benefit amounting to PHP 2,000.
- Accidental Death Benefit: Person B will receive an additional PHP 30,000 due to their death.
- Total Benefit: The beneficiary of Person B will receive a total amount of PHP 32,000 from the free insurance.
Steps to Process your Claim
STEP 1: Go to the FPG CLAIMS PORTAL here to directly submit your claim to FPG Insurance.
STEP 2: Complete the required details for your claim on the FPG Insurance claims notification page. Ensure all information and supporting documents for your claim are complete. (Claim notification must be given 15 days from the time of the accident)
Claims requirements: (Please submit complete claims 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 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
STEP 3: Once your claim is evaluated, you will receive your filed claim status through SMS or email notification.
STEP 4: Payout of claim benefit is within 8 working days to your GCash account number.
Frequently Asked Questions
Q: What is accidental death insurance?
A: Accidental death insurance provides money to the beneficiaries if the insured dies due to an accident.
Q: What is the benefit of accidental death?
A: The benefit is PHP 10,000.
Q: What is considered accidental death?
A: It is a death caused by an accident and not due to natural causes, illness, or other reasons.
Q: What is a sample scenario of this?
Car Accident: For example, if you’re driving and another vehicle suddenly collides with you, resulting in severe injuries such as broken bones that require hospitalization, personal accident insurance may cover your medical expenses and hospital bills.
Falling Down the Stairs: If you slip and fall down the stairs at home, sustaining serious injuries like a broken hip or body bruises, your insurance may cover the cost of your treatment.
Explosion or Fire: At work, if an accident like an explosion or fire occurs and you are injured, personal accident insurance can cover based on the listed policy benefits or even provide death benefits if the accident results in death.
*All benefits are limited to the list of benefits stated under the free policy.
Q: What is Disablement/Dismemberment insurance?
A: This insurance provides cash benefits if the insured loses a limb due to an accident.
Q: How much benefit is available from Disablement/Dismemberment?
A: It depends on the lost body part, the insured can get up to PHP 10,000.
Q: What types of damages does Disablement/Dismemberment cover?
A: It covers loss of a limb, sight, hearing, or serious disability from an accident.
Q: What is a sample scenario of this?
Permanent Paralysis: The insured was in an accident while riding a motorcycle and suffered severe spinal injuries, resulting in permanent paralysis from the waist down. The personal accident insurance may provide compensation for permanent disablement.
Loss of a Foot or Hand: The insured works at a construction site and accidentally lost a foot due to equipment malfunction. The insurance may provide a lump sum compensation for the loss of the foot.
Loss of Vision: The insured was involved in an accident where debris from an explosion struck their face, resulting in the loss of vision in one or both eyes. Personal accident insurance may provide compensation for the loss of vision.
Loss of Two Fingers: The insured is a factory worker and accidentally lost two fingers due to getting caught in a machine. The insurance may provide a partial disablement benefit for the loss of the fingers.
Permanent Deafness: Due to an accident that caused a severe impact on the head, the insured lost hearing in both ears. Their personal accident insurance may provide compensation for permanent loss of hearing.
*All benefits are limited to the list of benefits stated under the free policy.
Q: What is Daily Hospital Income insurance?
A: It provides a daily payment if you are hospitalized due to an accident or illness. Pre-existing conditions and diseases declared by the government as communicable diseases are not covered.
Q: How much is the hospital daily benefit?
A: Up to PHP 500 per day.
Q: How many days is the maximum daily benefit payment?
A: Maximum benefit is 5 days.
Q: What type of hospitalization is covered?
A: Hospitalization due to accident or illness is covered, provided the policy is followed.
Q: Are motorcycling injuries covered?
A: Yes, but accidents that violate traffic rules or do not follow LTO regulations are not covered.
Q: Are pre-existing conditions covered?
A: This policy does not cover pre-existing conditions such as asthma, diabetes, TB, thyroid problems, and other chronic conditions such as heart disease, kidney issues, and high blood pressure.
Examples: 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, Grastic or duodenal ulcers, Liver cirrhosis, Kidney diseases, Blood dyscrasia, Immunologic and collagen diseases, Hallus valgus and lithiasis, Urolithiasis and glomerunephritis, Hypertension of whatever etiology
Q: What is a sample scenario of this?
A: If you have an accident or illness covered by the insurance policy and need to be confined in a hospital, the insured will receive a benefit of up to five (5) days, with PHP 500 per day. The total benefit depends on the number of days of confinement, up to a maximum of five (5) days.
*All benefits are limited to the list of benefits stated under the free policy.
Contact FPG Insurance
To contact FPG Insurance, please check out their available channels below:
- FPG Claims Service Desk:
- Email: ph-claimsservicedesk@fpgins.com
- Hotline: +632-8771-8500
- FPG Customer Care:
- Email: phcustomercare@fpgins.com
- Hotline: +632-8859 1200; +632-8662-8600; +632-7944-1300
- Facebook: FPG Insurance Philippines
- Twitter: @fpginsurance_ph