Singlife 3-in-1 Protection Plan

The Singlife 3-in-1 Protection Plan is a comprehensive coverage product that provides protection against accidents, dengue, and COVID-19 at an affordable price for you and your family.

 

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Eligibility

You can avail of this product if you are: 

  • At least 18-55 years old
  • A Fully Verified GCash user
  • In good health, able to work and do daily activities without any help
  • A Filipino citizen or a foreigner who is a legal resident of the Philippines. 

 

Note: You cannot buy a policy for someone else directly. However, you can cover them as dependents when you buy a policy for yourself.

For the qualified dependents, please check the details below: 

  • Legal spouse, aged 18-55 years old;
  • Life Partner, aged 18-55 years old, if you both do not have any legal spouse;
  • Legitimate and/or illegitimate children, aged 30 days old to 22 years old;
  • Children of any of the following: 
    • Policy Owner, 
    • the insured dependent spouse, or 
    • insured dependent - life partner

Your dependents must also be in good health, not suffering from any pre-existing conditions. Your dependent must also be a Filipino citizen or a foreigner who is a legal resident of the Philippines.

For individuals aside from the qualified dependents mentioned above, they can still buy for themselves through the GCash App.

 

Coverage

Note: You are covered while you are outside of the Philippines except for COVID-19. The cash benefit payable will be in Philippine Peso.

With this product, you can provide coverage for each of your family members ensuring that you are prepared for their medical costs while paying the same amount.

The product has the following benefits: 

CONFINEMENT ALLOWANCE You will be covered if you get confined in a hospital due to an accident, dengue, or COVID-19.
DENGUE TEST ALLOWANCE You will get cash if you test positive for dengue.

SEVERE DENGUE & COVID 19 

(Benefit for Severe Cases)

 Protects you from medical expenses when you experience severe effects of dengue or COVID-19, including if you pass away due to either dengue or COVID-19.

ACCIDENTAL DISABILITY & DEATH

(Benefit for Severe Cases)

 Protects you and your family if you pass away or get permanently disabled due to an accident.

 

Coverage included under the Confinement Allowance Benefit and Severe Cases Benefit

Note: To be covered for COVID-19, you must not be suffering from any pre-existing conditions (including previous COVID-19 diagnosis) 

Confinement Type Benefit and Condition
DENGUE CONFINEMENT ALLOWANCE

 Cash Benefit 
Diagnosed with Dengue and are confined in a hospital for at least two (2) hospital days
COVID-19 CONFINEMENT ALLOWANCE

 Cash Benefit 
Diagnosed with COVID-19 and are confined in a hospital for at least two (2) hospital days

CONFINEMENT ALLOWANCE DUE

TO ACCIDENT

 Cash Benefit 

Confined in a hospital due to accidents for at least two (2) hospital days.

*The confinement must happen within 30 days from the date of accident. This benefit can only be availed once a year.

 

Case Type Benefit and Condition
SEVERE DENGUE BENEFIT Reimbursement for actual expenses
Diagnosed with Dengue with a valid test and must have been confined for at least three (3) hospital days.
SEVERE COVID-19 DENGUE BENEFIT Reimbursement for actual expenses
Diagnosed with COVID-19 with a valid test and must have been confined for at least three (3) hospital days in an ICU.
ACCIDENTAL DISABILITY AND DEATH Benefits via lump-sum payment.
Permanently disabled or pass away due to an accident

 

Coverage under Accidental Disability and Death

STANDARD ACCIDENTS COVERAGE

You will receive 100% of the benefit amount if you become disabled due to the accidents listed below.

  1. Traveling Accident on Land, Air, or Sea 
  2. Unprovoked Assault
  3. Fire accidents 
  4. Accidental Drowning
  5. Accidental suffocation from gas or fumes, other than those caused by fire accidents. 
EXPANDED ACCIDENTS COVERAGE

You will receive 50% of the benefit amount if you become disabled due to the accidents listed below.

  1. while working as a Hired/Paid Drivers, Licensed Professional Pilot, or Helmsman;
  2. while in a commercial vehicle, aircraft, or water-borne craft but not as a fare-paying passenger (e.g. conductors, flight attendants, waiters, crew members, etc.);
  3. while under the influence of drugs or alcohol, except if the accident was a result of an unlawful or illegal act;
  4. while at and during any occupation-related tasks except he/she is on duty and serving in the armed forces of any country or international authority, whether in war or in service.
  5. During an act of terrorism, not committed by the insured. We may adjust or delay payment of benefits for accidents due to this cause.
  6. During any nuclear, biological, and chemical attacks/warfare, not committed by the insured. We may adjust or delay payment of benefits for accidents due to this cause.
  7. Occurring during any of the following incidents:
    • Body Boarding
    • Kite Surfing
    • Jet Skiing
    • Canoeing
    • Wind Surfing
    • Hang Gliding
    • Paragliding
    • Ballooning
    • Gliding
    • Canopy Piloting
    • Parachuting
    • Skydiving
    • Legal Road Racing
    • Legal Water Racing

 

Purchase Singlife 3-in-1 Protection Plan

Note: You may buy multiple 3-in-1 Protection Plan policies from Singlife, as long as the benefit amount of all policies you are covered in (either as a Primary insured or Insured Dependent) does not exceed the following maximum benefit amount limits:

  • Dengue Test Allowance – PHP 5,000
  • Dengue Confinement Allowance – PHP 100,000
  • COVID-19 Confinement Allowance – PHP 50,000
  • Accidental Confinement Allowance – PHP 30,000
  • Severe Dengue Benefit – PHP 1,000,000
  • Severe COVID-19 Benefit – PHP 500,000
  • Accidental Disability & Death – PHP 6,000,000

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Singlife will issue an e-Policy within 24 hours after you have completed the application process and payment. It will be sent to your registered e-mail address and will also be available on the Policy Page in the GCash app.

The amount for payment will be automatically deducted from your GCash e-wallet on the premium due dates. Please make sure you have enough balance in your GCash e-wallet to keep your policy active.

 

Cancellation and Claims

Cancellation of Policy

If you cancel your policy within 15 days after you receive it, we will return all premiums paid. Your policy is considered received after we have sent the e-Policy to your registered email. 

 

Claims

You can claim benefits from your insurance upon the effectivity of your policy.

For Dengue & COVID-19, you can file a claim after 15 days from the effective date of your policy. 

To file a claim, please contact Singlife. Their Case Managers will assist you in filing a claim. Singlife will contact you if they require additional documents.
The review of the claim will only start once the complete requirements have been submitted. 

 

Accredited Hospitals 

You can avail of the benefit as long as the hospital or clinic where the confinement or treatment was done is a DOH Licensed Government and private hospital.  For COVID-19 patients, however, the confinement has to be done in a DOH-licensed COVID-19 hospital for the benefits to be accepted. 

Check out the list of Singlife Accredited hospitals.

 

Contact Singlife

To contact Singlife, please check out their available channels below:

Email: help@singlife.com

Hotline: +632-8299-3737 (Monday-Sunday, 9:00 AM-8:00 PM)

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