CL COVID-19 Cash Assistance Benefit + is Group Personal Accident Insurance specifically designed for Cebuana Lhuillier’s clients. It covers Loss of Life Cash Assistance, Daily Hospital Income Benefit, and Loss of Life Cash Assistance, Accidental Death and Medical Reimbursement.

CL COVID-19 Cash Assistance Benefit + is underwritten by Malayan Insurance.

Table of Premiums and Benefits

• Loss of Life Cash Assistance (LLCA) - lump sum benefit following loss of life due to COVID-19 infection.
• Daily Hospital Income Benefit (DHIB) - fixed daily cash benefit for every day of hospital confinement due to COVID-19 (up to a maximum of fourteen [14] days).
• Loss of Life Cash Assistance (LLCA) - lump sum benefit following loss of life due to Dengue or Chikungunya
• Accidental Death (AD) - Provides indemnity to the Insured/s for loss of life arising from an accident.
• Medical Reimbursement (accidental injuries) - Provides reimbursement for actual expenses incurred (but not to exceed the amount stated in the policy) irrecoverable from any other means for treatment of injuries sustained in an accident.

*Maximum of fourteen (14) days confinement

Period of Coverage

The Policy is effective for one (1) year and six (6) months from the date of issuance. Insured can avail one (1) active COC per year.

Age Eligibility

Not less than one (1) year old nor more than seventy-five (75) years old.

General Provisions

1. Target Market are clients of Cebuana Lhuillier branches, corporations, institutions, and organizations outside Cebuana network.
2. Subject to All terms, conditions, warranties and clauses is subject to Malayan Insurance.
3. Accidental Food Poisoning (presence of deleterious matter on food and drinks and not as a result of spoilage/expiration)
4. Accidental Gas Poisoning
5. Acts of Nature
6. Amateur and Social Sports
7. Animal Bites including mosquito bites (except viral infections/disease following animal/mosquito bites)
8. Commercial flying as fare paying passenger
9. Drowning
10. Motorcycling cover including pillion riding excluding whilst engaged in any form of racing, riding exhibition, motocross racing, etc.
11. Pyogenic infections acquired through accidental cut or wound
12. Riot, Strikes and Civil Commotion (not as an active participant)
13. 24/7 on and off the job, Philippine territory
14. Maximum of one (1) Policy per person at any given time. In the event of multiple covers, claim will be lodged on the first issued policy and premium for all other effective applicable policies will be refunded.
15. Hospital confinement includes all Department of Health (DOH) or government designated quarantine, treatment or isolation facility manned by health care professionals who administer medical care and monitoring of COVID-19 infection. Confinement in homes or other accommodation facilities such as but not limited to hotels, resorts, shelters, etc. without administration of medical care is not covered.
16. Death Benefit covers Accidental death Only
17. Medical Reimbursement is covered for Accidental death Only
18. Excluded Occupations: Healthcare Workers and Nursing Professions

Condition to COVID-19 Loss of Life Cash Assistance (LLCA) Benefit & DHIB

The contraction of COVID-19 by the Insured must be:

1. medically diagnosed during the policy period or within the Reporting period by (i) a licensed physician or medical professional, (ii) through the use of a nasopharyngeal swab test kit approved by the Philippine Bureau Food and Drug Administration (BFAD) and/or World Health Organization (WHO) and (iii) carried out in Department of Health (DOH) licensed COVID19 hospital or testing center;
2. contracted after fourteen (14) days from effectivity of and within the period of this endorsement; and/or
3. Filed and reported to the Company within the Reporting period after expiry of this endorsement.

Exclusions specific to COVID-19 Loss of Life Cash Assistance Benefit (LLCA) & DHIB

The benefit provided under this proposal is on a per occurrence and aggregate limit and excludes the following:

1. Any accidental injury, sickness or disease other than COVID-19.
2. COVID19 infection that is not medically diagnosed by a licensed physician through approved swab test kit and administered in a hospital facility or DOH accredited test center COVID-19 illness that had manifested and treated outside the Philippines
3. COVID19 infection which has been contracted by the insured less then fourteen (14) days from effectivity of the policy or beyond the reporting period
4. COVID-19 illness that manifested and/or treated outside the Philippines
5. Claim for cash assistance benefit not supported by medical diagnosis through approved swab test kit administered by a licensed physician in a hospital facility or DOH-accredited test center

Conditions to Dengue & Chikungunya

Loss of Life due to Dengue and Chikungunya Cash Assistance Benefit - lump sum benefit following death due to Dengue or Chikungunya:

1. medically diagnosed by a licensed physician;
2. confirmed through medical procedures administered in a hospital;
3. contracted after fifteen (15) days from effectivity of the policy/endorsement
4. contracted beyond a separation period of ninety (90) days between the insured’s most recent clinical diagnosis of Dengue or Chikungunya and the current medical confirmation of such illness

Exclusion Specific to Dengue and Chikungunya Loss of Life Cash Assistance (LLCA)

1. Any accidental injury, sickness or disease other than Dengue and Chikungunya;
2. Dengue and Chikungunya fever that is not diagnosed by a licensed physician through tests administered in hospital facilities.
3. Dengue and Chikungunya which has been contracted by the insured within fifteen (15) days from the effectivity of this endorsement
4. Dengue and Chikungunya contracted within the separation period;
5. Claim for Loss of Life Cash Assistance (LLCA) benefit not supported by Dengue and Chikungunya Serology report or medical report issued by a physician.

General Exclusions

1. Loss caused directly or indirectly, wholly or partly by:
   
   1. bacterial infections, viral infections, sickness or disease (except pyogenic infections which shall occur through an accidental cut or wound); or infections caused by parasites;
   2. medical or surgical treatment (except such as may be necessary solely by reason of injuries covered by this policy);
   3. miscarriage or pregnancy, any disease of the female reproductive organ;
2. suicide or any attempt thereat;
3. murder and assault or any attempt thereat;
4. loss occasioned by war, invasion, act of foreign enemy, hostilities or warlike operations (whether war be declared or not), mutiny, strikes, riots, civil commotion, civil war, rebellion, revolution, insurrection, conspiracy, terrorism, military or usurped power, martial law or state of siege, seizure, quarantine, or customs regulations or naturalization by or under the order of any government or public or local authority. This exclusion shall be affected by any endorsement which does not specifically refer to it, in whole or in part. The application of the exclusion referring to martial law or state of siege is hereby waived for any territorial jurisdiction of the Republic of the Philippines.
5. nuclear radiation or radioactive contamination;
6. injury sustained while participating in amateur or professional athletics, local sports leagues or international tournaments, or any organized and scheduled amateur physical contact sport;
7. cave-in of mines;
8. loss of life or injury sustained as a direct result of, in connection with or attributable to the insured being under the influence of prohibited/regulated drugs or alcohol.
9. loss of life or injury sustained as a direct result of, in connection with or attributable to;
   
   1. a commission of a crime or any attempt thereat,
   2. violation of rules and regulation on traffic and/or road use;
   3. avoiding arrest or
   4. any unlawful act (civil or criminal)miscarriage or pregnancy, any disease of the female reproductive organ;

Claims Requirements

General Requirements

• Original Confirmation of Cover (COC)
• Notarized Affidavit/Police Report (narrating events leading to the
• incident)
• Proof of claim payment/quit claim duly signed by the Insured of the Beneficiary
• Government issued I.D./Company or School I.D. with signature
• 2 Valid Government I.D.s of Beneficiary
• All other documents that may be required by the insurer

For Accidental Death

• Death certificate issued by the Civil Registrar’s Office with seal
• Identification of Beneficiary
• For Spouse: Marriage Contract
• For Parents/Children/Sibling: Birth Certificate

For Covid19 and/or Dengue and Chikungunya

• Medical Certificate duly signed by a licensed physician
• Dengue laboratory and/or serologic test result (showing positive sign of infection)
• Copy of valid/government issued ID

Required Information

• Medical Certificate duly signed by a licensed physician Name
• Birthdate
• Occupation
• Beneficiary including relationship
• Email Address (if needed)

Click the link to see the full Terms and Conditions

Click the link to see the full
Terms and Conditions

*Services available within the Philippines