Student Protect

Student Protect

Student Protect offers affordable insurance packages that can help keep your students healthy and protected in and out of school.

Because nothing is more important than the safety of your students.

Accidental Death – Indemnifies an insured’s beneficiary/ies up to the amount Tstipulated in the policy due to accidental death within 180 days from the date of the accident.

Permanent Total Disablement – indemnifies an insured person due to disablement which prevents the Insured Individual from performing normal activities which has continued for an uninterrupted period of 180 days from date of accident and is diagnosed at the end of the period to continue during the remaining lifetime:

Unprovoked Murder and Assault – indemnifies and insured person due to Death or Disablement caused by murder and assault or any attempt thereat provided such murder and assault shall not have been provoked by the Insured and provided such murder and assault shall not have been occasioned by or shall not have happened due to war (whether declared or not), rebellion or insurrection. The liability of the Insurer resulting from said murder and assault shall be limited to the applicable principal sum under the policy up to a maximum amount indicated therein.

Double Indemnity coverage – the Insurer will double any indemnity payable under Death or Disablement if the Insured suffers the injury: while riding as a passenger within any motorized and duly licensed public utility land transport, or while riding in an elevator car (elevators in mines and construction sites excluded), or in consequence of the burning of any theatre, mall, church, hospital, market, restaurant, or other public building in which the Insured shall be at the commencement of the fire and in which the presence of the Insured is only coincidental.

Medical Reimbursement – cost incurred in respect of medical, surgical, or other remedial treatment prescribed by a qualified medical practitioner; and/or hospital, nursing home and ambulance charges following any one accident.

Medical Reimbursement due to Motorcycling Risk – cost incurred in respect of medical, surgical, or other remedial treatment prescribed by a qualified medical practitioner; and/or hospital, nursing home and ambulance charges following any one accident due to motorcycling. Provided, named insured while riding or operating any motorized two-wheeled vehicle shall not use such vehicle for any race, speed test, or exhibition or when the named insured is under the influence of liquor, narcotics or prohibited drugs.

Daily Hospital Cash assistance – hospitalization confinement benefit due to accidental injury. Maximum of 25 days and shall commence after 48 hours of continuous confinement.

Cash Assistance Benefit – emergency cash assistance lump sum shall be given in the event of death resulting to non-accidental related event only subject to exclusions such as pre-existing condition/illness, pregnancy related death, AIDS, SARS and government/DOH-advised epidemic diseases.

Burial Assistance – cost incurred for funeral, burial or cremation in the event of loss of life.

Fire Assistance – the policy extends cover against loss and/or damage to the named insured’s personal belongings due to fire occurrence in the insured’s residence/ boarding house up to the limit as specified in the schedule.

For more information about Student Protect, please inquire here.