CL Health Care is an Individual Personal Accident Insurance specifically designed for
Cebuana Lhuillier clients. It covers Accidental Death and Disability (AD&D), Double
Indemnity, 24/7 Call a doc, OP ER One Time use and Daily Hospital Income Benefit.
CL Health Care is underwritten by Generali Life Assurance Philippines, Inc.
|Product Option||CL Health Care 777||CL Health Care 888|
|24/7 Call a Doc||6 Calls||6 Calls|
|OP ER One Time use (All causes)||5,000||5,000|
|Daily Hospital Income Benefit (All causes)||300 max of 31 days||500 max of 31 days|
Period of Coverage
The Policy is Effective for one (1) year from the date of issuance or after payment of claim, whichever comes first.
Emergency medical expenses incurred by the insured person for the treatment of an
eligible emergency condition. The insured person is an Out Patient in the Emergency Room
Department of a Hospital.
Accidental Death and Disability (AD&D)
Part A - Accidental Death Benefit
Generali will pay the benefit amount, less any amount paid or payable under Part B of this provision, if an insured employee dies as a result of an injury within one hundred eighty (180) days from the date of accident.
Part B - Accidental Disability Benefit
Generali will pay the percentage of the benefit amount indicated in the schedule of indemnities if an insured employee suffers any of the covered losses as a result of an injury within one hundred eighty (180) days from the date of accident.
Part C Double Indemnity
Generali will double any benefit payable if an insured employee suffered the Injury:
1. While riding as a fare paying passenger of a licensed motorized public utility vehicle over an established land route; or
2. While riding an elevator car (except those in mines and construction sites); or
3. In consequence of the burning of any theater, hotel, mall, church, hospital, market, restaurant or other public building in which the insured employee shall be at the commencement of the fire and in which the presence of the insured employee is only coincidental
24/7 Call a Doc ( Telemedicine)
The insured employee will have access to Call a Doc, our special service that provides 24x7 consultation, management and treatment of non emergency / non life threatening cases by duly licensed physicians over the phone, video conference and the internet (if necessary) for a minimal fee.
Call a Doc gives the following benefits to the insured employee:
Covers expenses, up to Php 5 000.00, incurred in case of emergency, such as consultation/s, prescribed laboratory and diagnostic tests and needed medicines.
Considered emergency situations are cases that need immediate attention such as life threatening illnesses, accidental injuries and the like. Examples are, but not limited to, difficulty in breathing, vomiting with the danger of dehydration, loss of consciousness, open wounds that need suturing.
Go to any Generali accredited hospital provider nationwide and present the SMS confirmation of coverage.
Coverage begins 48 hours from the time of purchase.
Daily Hospital Income Benefit (DHIB)
If the insured is hospitalized and receives medical treatment as a result of illness or disease commenced, or accidental injury sustained, Generali will pay the Daily Hospital Income Benefit for each day on hospital confinement up to a maximum of thirty one (31) days and continuous confinement for the same injury or illness.
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