Benefits

Your JuanLife Benefits

What does JuanLife Insurance cover?

(Ano ang coverage ng JuanLife Insurance?)

ACCIDENTAL DEATH (Biglaang Pagkamatay)

In the unfortunate event of death due to accidents or natural disasters, our Accidental Death coverage helps ease financial burden by providing cash benefits directly to the insured’s beneficiaries.

Kung ang insured ay biglang pumanaw dahil sa aksidente o kalamidad, mayroon kaming Accidental Death Coverage na handang magbigay ng suportang pampinansyal sa pamilya ng insured.

PERMANENT DISABLEMENT (Panghabang-Buhay na Kapansanan)

In the event of loss of limb/s or disablement due to accidents or natural disasters, our Permanent Disablement & Dismemberment Coverage provides financial support directly to the insured to aid in recovery.

Sa pagtamo ng kapansanan na dulot ng aksidente o sakuna, may Permanent Disablement & Dismemberment coverage kami na makakatulong sa insured upang maka-recover.

MEDICAL REIMBURSEMENT (Bayaring Medikal)

If the insured sustains accidental injuries not included under our Permanent Disablement & Dismemberment coverage, our Medical Reimbursement benefit can help ease their hospital and medical expenses.

Para sa mga aksidenteng hindi saklaw ng aming Permanent Disablement & Dismemberment coverage, mayroon kaming Medical Reimbursement benefit na makakatulong pagaanin ang gastusin sa pagpapagamot.

SPECIAL COVERAGES

UNPROVOKED MURDER AND/OR ASSAULT (Pagkakasangkot sa Krimen)

JuanLife covers injuries or death due to unprovoked murder or assault, as long as it can be proven that the insured did nothing to cause or provoke the crime.

Saklaw ng JuanLife ang mga injuries o pagpanaw na dulot ng pagkakasangkot sa krimen gaya ng murder at assault, basta’t mapatunayang walang ginawa ang insured na dahilan para siya ay saktan.

BURIAL ASSISTANCE (Tulong sa Pagpapalibing)

In the event of death due to an accident or unprovoked murder/assault, JuanLife helps reduce burial costs by providing financial aid directly to the insured’s beneficiaries.

Sa ‘di inaaasahang pagpanaw na dulot ng aksidente o unprovoked murder or assault, makakakuha ng cash assistance ang pamilya ng insured upang makatulong sa gastusin sa pagpapalibing.

FULL POLICY TERMS AND CONDITIONS

Please read the Terms & Conditions carefully and in its entirety.

Mariing basahing mabuti at buo ang coverage.

Annual Premium	Coverage
JuanLife Rider	Accidental Death	Permanent Disablement	Medical Reimbursement	Burial Assitance	Financial Assitance	Unprovoked Murder and/or Assault
800	₱250,000	Maximum of ₱250,000	Maximum of ₱12,500	₱5,000	not included	not included
1000	₱250,000	Maximum of ₱250,000	Maximum of ₱12,500	₱5,000	Maximum of ₱2,500	Maximum of ₱100,00

Terms and Conditions

Insured shall be the registered applicant for JuanLife Personal Accident Insurance.
Insured should be Filipino citizens ages 18 to 60 years old; renewable up to 65 years old.
Each Insured can avail of multiple JuanLife Personal Accident Insurance policies amounting to a maximum total combined coverage of P1,000,000 for themselves every year.
The JuanLife Personal Accident Insurance is valid for one (1) year from date of activation.
The JuanLife insurance shall only be valid once activated via SMS, Facebook Messenger or via the JuanLife website.
For accidental death, the beneficiaries shall receive the maximum coverage of this policy. Types of accidental deaths are, self-inflicted accidents, vehicular accidents, accidental death due to fire.
For injuries or permanent disablement caused by accidents, the insured shall receive 50% up to 100% coverage depending on the extent of injury. Please refer to the Inclusions Table for details.
The Medical Reimbursement benefit covers medical expenses with supporting receipts related to accidents covered under the JuanLife Personal Accident Policy. It also covers medical expenses incurred from animal bites. This benefit can only be claimed once during the year of coverage.
Financial Assistance coverage can be claimed if the Insured experiences temporary disablement due to accident. The maximum coverage is Php 2,500 for a 15-day disablement period. Actual claim shall be prorated per actual number of days incurred with supporting doctor’s certificate. The Financial Assistance coverage is an additional benefit to the Medical Reimbursement benefit.
The Insured shall also receive burial assistance for accidental death in addition to the accidental death coverage.
The Insured is covered for disability or loss of life due to unprovoked murder and/or assault (UMA) arising from robbery, hold-up, assault, and other unlawful offenses. Unprovoked means that the insured should not have done any action or issued words to encourage any harm done to themselves by the assailant. UMA is valid only if both parties have no established relationship. Please refer to the Inclusions Table for benefit details.
The benefit of those engaged in hazardous occupation is reduced to 10% of each coverage amount should the accident happen during the time or performance of their job or duty as such.
Accidents that happened in other countries are covered.
In cases of multiple claims, the maximum amount shall be the coverage for accidental death, plus the burial assistance benefit. An example of multiple claims filing is when an Insured makes an initial claim for Medical Reimbursement and within the year, makes a Permanent Disablement or Accidental Death Claim. In such cases, the initial claimed amount for Medical Reimbursement shall be deducted from the total maximum coverage of the policy.
LEGAL names of the insured and their beneficiaries, as well as other data submitted MUST be accurate for the insurance to be valid.
Beneficiaries must be the LEGAL heirs of the insured.
- For insured who are married, the beneficiaries shall be the legal spouse or the children.
- For insured who are single, the beneficiaries shall be the parents or siblings.
- For insured who are single or common-law partnerships, the legal beneficiaries are the children.
This insurance shall be considered null and void if the accident or the unprovoked murder and/or assault occurred while the Insured is participating in any criminal act or related offense.

Terms and Conditions (In Filipino)

Ang insured ay ang nakarehistrong aplikante sa JuanLife Personal Accident Insurance.
Ang insured ay dapat Filipino citizen na may edad 18 hanggang 60 taong gulang. Maaaring i-renew ng JuanLife member ang kanyang policy hanggang sa edad na 65.
Ang insured ay pwedeng kumuha ng maraming JuanLife Insurance policies para sa kanyang sarili, basta’t ang kanyang total combined insurance coverage ay hindi lalagpas ng P1,000,000 bawat taon.
Ang JuanLife Personal Accident Insurance ay may bisa ng isang (1) taon mula sa petsa ng pag-activate.
Ang JuanLife Insurance mo ay may bisa lamang kapag na-activate na ito sa pamamagitan ng SMS, Facebook Messenger, o sa aming official JuanLife website.
Ang benefit na makukuha ng beneficiaries sa accidental death or pagkamatay dahil sa aksidente ng insured ay ang maximum coverage ng policy. Ang mga uri ng accidental death ay self-inflicted accident, vehicular accident, at aksidente dulot sa apoy o sunog.
Para sa mga injuries or permanent disablement na dulot ng aksidente, makakatanggap ang insured ng 50% up to 100% coverage, depende sa kapansanan na natamo. Tignan ang Inclusions Table para sa mga detalye.
Para sa mga injuries na hindi saklaw ng aming Permanent Disablement coverage, mayroong Medical Reimbursement benefit na makakatulong pagaanin ang gastusin sa pagpapagamot. Importante lamang na maisubmit ang mga resibo na nagpapatunay na ang gastusin ay konektado sa aksidente na sakop ng JuanLife Personal Accident Insurance Policy. Covered din ng benefit na ito ang mga kagat mula sa hayop. Ang benefit na ito ay puwedeng i-claim ng isang beses sa taon na valid ang coverage.
Ang saklaw ng Tulong Pinansyal ay maaaring makuha kung ang insured ay nakaranas ng pansamantalang kapansanan dahil sa aksidente at may rekomendasyon ang doktor na kailngan magpahinga. Ang maximum na coverage ay Php 2,500 para sa 15 araw na panahon ng kapansanan. Ang aktwal na claim ay prorated batay sa aktwal na bilang ng mga araw ng pahinga na may supporting doctor’s certificate. Ang saklaw ng Tulong Pinansyal ay karagdagang benefit sa ng Medical Reimbursement benefit.
Ang insured ay makakatanggap din ng burial assistance para sa accidental death bilang karagdagan sa accidental death coverage.
Ang insured ay covered para sa kapansanan o pagkawala ng buhay dahil sa hindi sinadyang pagpatay at/o pagsalakay (Unprovoked murder and/or assault) na nagmumula sa pagnanakaw, hold-up, pagsalakay, at iba pang mga unlawful offenses. Ang “unprovoked” ay nangangahulugan na ang insured ay hindi dapat gumawa ng anumang aksyon o naglabas ng mga salita na dahilan para siya ay saktan ng assailant. Ang UMA ay valid lamang kung parehong mga partido ay walang relasyon sa isa’t-isa. Tignan ang Inclusions Table para sa mga detalye.
Ang benepisyo ng mga insured na may mapanganib na trabaho o hazardous occupation ay magiging 10% lamang ng bawat coverage amount kung ang aksidente ay nangyari habang ginagampanan nila ang kanilang trabaho o tungkulin.
Sakop ng JuanLife Insurance policy ang mga aksidente na nangyari sa ibang bansa.
Maaring mag-claim ang insured ng benepisyo ilang beses sa isang taon (multiple claims filing) subalit ang maximum na benepisyong maaari niyang makuha ay ang kanyang accidental death coverage at burial assistance benefit. Halimbawa ng multiple claims ay kapag ang insured ay nakakuha ng initial claim para sa Medical Reimbursement, at sa loob ng taon ay makakapag-claim ulit para sa Permanent Disablement o Accidental Death. In such cases, ang initial na amount na na-claim para sa Medical Reimbursement ay dapat ibawas sa kabuuang maximum coverage.
Kailangang gamitin ang LEGAL na pangalan ng insured, pati ng mga beneficiaries, upang maging valid ang insurance.
Ang mga pwedeng maging beneficiary ng insured ay ang kanyang mga LEGAL na tagapagmana lamang.
- Para sa insured na kasal, ang mga maaaring beneficiaries ay ang LEGAL na asawa o mga anak.
- Para sa insured na single, ang mga maaaring beneficiaries ay ang mga magulang o kapatid.
- Para sa mga insured na may kinasakama ngunit hindi kasal, ang mga legal beneficiaries ay ang mga anak.
Walang bisa ang insurance kung ang dahilan ng pagka-aksidente ng insured ay ang kanyang pagkakasangkot sa krimen.

INCLUSIONS AND EXCLUSIONS

COVERAGE	INCLUSIONS	EXCLUSIONS
Accidental Death	We cover loss of life caused by or happening through the following: Accident (subject to the list of exclusions). Death caused by acts of nature such as earthquakes, volcanic eruptions, and tidal waves. Death caused by motorcycling accidents.	We do not cover the following: Death or disablement caused by or that happened through: War, invasion, acts of foreign enemy, hostilities, civil war, rebellion, revolution, insurrection, mutiny, military or usurped power, riots, strike, military or popular uprising. Suicide or attempted suicide, Insured is under the influence of alcohol or illegal drugs. Death or disablement that occurred while the insured is traveling in an aircraft that is not licensed for passenger service and is not operated by a commercial airline. Death or disablement as a result of the insured engaging in risky activities: racing of all kinds, mountaineering, football, polo, hockey, winter sports, or yachting. Death or disablement due to murder and assault. People who have the following pre-existing medical conditions: Total Blindness, Total Deafness, Skull or Spinal Injuries, Infirmities and Diseases of the Brain, Heart, Liver, Lungs or Chest if the Lungs are affected, Chronic Diseases.
Permanent Disablement	Php 100% Coverage for: Loss of two limbs Loss of both hands Loss of all fingers and both thumbs Total loss of sight of both eyes Injuries resulting in being permanently bedridden Any other injury causing permanent total dismemberment Php 70% Coverage for: Loss of arm at or above elbow Php 60% Coverage for: Loss of arm between elbow and wrist Loss of leg at or above knee Php 50% Coverage for: Loss of hand Loss of one foot Loss of sight on one eye Loss of hearing of both ears
Medical Reimbursement	Injuries resulting from accidents that are not covered above, including animal bites.
Burial Assistance	Death due to accidents Death due to unprovoked murder	Death due to diseases Death due to homicide and murder
Unprovoked Murder and /or Assault	Benefit will be based on the policy coverage for UMA. Php 100% Coverage for: Loss of two limbs Loss of both hands Loss of all fingers and both thumbs Total loss of sight of both eyes Injuries resulting in being permanently bedridden Any other injury causing permanent total dismemberment Php 70% Coverage for: Loss of arm at or above elbow Php 60% Coverage for: Loss of arm between elbow and wrist Loss of leg at or above knee Php 50% Coverage for: Loss of hand Loss of one foot Loss of sight of one eye Loss of hearing of both ears	If the insured have done any action or issued words to encourage any harm done to themselves by the assailant. If the murder and or assault happened while the insured is: Engaging in political activities or Performing investigative security or political functions or Holding any elective government position. If the murder and or assault occurred in any of the following geographical areas, including their cities, towns, municipalities, barrios and barangays, namely: Lanao Del Norte Sultan Kudarat Lanao Del Sur Sulu archipelago North Cotabato Maguindanao Zamboanga Sibugay Zamboanga Del Norte Marawi City Zamboanga del Sur

Mga kasama at di kasama sa Policy

COVERAGE	INCLUSIONS (KASAMA)	EXCLUSIONS (HINDI KASAMA)
Accidental Death (Biglang Pagkamatay)	Covered ng JuanLife ang pagkamatay na sanhi ng mga sumunusod na dahilan: Aksidente (na hindi kasama sa listahan ng exclusions). Pagkamatay dahil sa natural disasters tulad ng earthquake (lindol), volcanic eruption (pagsabog ng bulkan), or tidal wave (alon). Pagkamatay dahil sa aksidente habang nakasakay sa motorsiklo	Hindi covered ng JuanLife ang mga sumusunod: Pagkamatay o disablement dahil sa: War (giyera), invasion (pagsalakay ng ibang bansa), act of foreign enemy (pagatake ng ibang bansa), hostilities, civil war, rebellion (pagrerebelde), revolution (rebolusyon), insurrection, mutiny, military or usurped power, riots, strike, military, or popular uprising. Suicide or attempted suicide (nagpakamatay o sinubukang magpakamatay), Kapag ang Insured ay nakainom or naka-droga. Ang insured ay nakasakay sa hindi lisensyadong eroplano at hindi operated ng commercial airline. Ang insured ay namatay o nabalian dahil sumali sa delikadong aktibidad (lahat ng klase ng racing, mountaineering, football, polo, hockey, winter sports, or yachting/boating). Pinsala dulot ng murder (sadyang pagpaslang) o kasugatang dulot ng assault (sadyang pananakit). Sinumang may mga sumusunod na kundisyon: Total Blindness (Kabuuang Pagkabulag), Total Deafness (Kabuuang Pagkabingi), Skull or Spinal Injuries (Kasugatan Sa Bungo o Gulugod), Mga Kundisyon Sa Utak, Puso, Atay, Baga o Dibdib Kung Apektado Ang Baga, at anumang Chronic o Pangmatagalang Kundisyon.
Permanent Disablement (Panghabang-buhay na Kapansanan)	Php 100% Coverage para sa: Pagkawala ng dalawang paa. Pagkawala ng parehong kamay. Pagkawala ng lahat ng daliri o dalawang hinlalaki. Buong pagkawala ng paningin sa parehong mata. Pinsala sa katawan na magdudulot ng permanenteng pagkakaratay. Iba pang pinsala sa katawan na magdudulot ng permanenteng kapansanan. Php 70% Coverage para sa: Pagkakawala ng braso mula sa siko or sa taas ng siko. Php 60% Coverage para sa: Pagkawala ng braso sa pagitan ng siko at pulso. Pagkakawala ng hita mula tuhod o taas ng tuhod. Php 50% Coverage para sa: Pagkakawala ng isang kamay. Pagkawala ng isang paa. Pagkawala ng paningin sa isang mata. Kawalan ng pandinig sa parehong tainga.
Medikal Na Reimbursement	Anumang aksidental na kasugatang hindi nabanggit sa itaas, kabilang ang kagat ng hayop.
Burial Assistance (Tulong sa pagpapalibing)	Pagkamatay dahil sa aksidente Pagkamatay dahil sa unprovoked murder	Pagkamatay dahil sa sakit. Pagkamatay dahil sa homicide at murder.
Unprovoked Murder and/or Assault (Disablement o pagkamatay dulot ng pagnanakaw, hold-up, at iba pang krimen, na walang ginawa o sinabi ang insured na nag-udyok sa assailant upang sya ay saktan o patayin)	Ang basehan ng benepisyo ay ang policy coverage para sa UMA. Php 100% Coverage para sa: Pagkawala ng dalawang paa. Pagkawala ng parehong kamay. Pagkawala ng lahat ng daliri o dalawang hinlalaki. Buong pagkawala ng paningin sa parehong mata. Pinsala sa katawan na magdudulot ng permanenteng pagkakaratay. Iba pang pinsala sa katawan na magdudulot ng permanenteng kapansanan. Php 70% Coverage para sa: Pagkakawala ng braso mula sa siko or sa taas ng siko. Php 60% Coverage para sa: Pagkawala ng braso sa pagitan ng siko at pulso. Pagkakawala ng hita mula tuhod o taas ng tuhod. Php 50% Coverage para sa: Pagkakawala ng isang kamay. Pagkawala ng isang paa. Pagkawala ng paningin sa isang mata. Kawalan ng pandinig sa parehong tainga.	Kapag may nasabi o ginawa ang insured para maudyok ang assailant na siya ay saktan. Kapag ang pagkapatay o pananakit ay nangyari habang ang insured ay: Lumalahok sa political activities or May partisipasyon sa investigative security or political functions or Kasalukuyang may elective government position. Kung ang murder and/or assault ay nangyari sa mga sumusunod na lugar, kasama ang nakapaloob na cities, towns, municipalities, barrios at barangays: Lanao Del Norte Sultan Kudarat Lanao Del Sur Sulu archipelago North Cotabato Maguindanao Zamboanga Sibugay Zamboanga Del Norte Marawi City Zamboanga del Sur

List of Hazardous Occupations

All military and police personnel and officers,
Barangay officials/tanod,
Professional entertainers & athletes,
Duties involving heavy manual work,
Acrobats, asylums, attendants, aviators, boilermen, butchers, caddies, carpenters, construction workers, customs personnels, detectives, divers, electricians, explosive makers, farmers, firemen, fishermen, handlers or custodians, masons, miners, outdoor painters, professional referees, racehorse trainers, jockey, sailors, secret service personnels, security guards, ship’s crews, steeplejacks, stevedores, traffic aides, underground workers, welders, woodcarvers, tinsmiths, auto mechanics, window cleaners & woodworking machinists.

How to File a Claim?

Agile Insurance Agency and Business Technologies shall be facilitating all Claims.
The insured should notify and file the claims with Agile within 30 days after the date of the accident. Claims filed beyond the 1-month filing period will not be processed.
You may notify Agile via phone, Facebook Messenger, email or the Contact Us page in the JuanLife website immediately.
- JuanLife Claims Hotline: 02-8584-7598 or 0917-7062360
- Email: [email protected]
- Facebook Messenger: @juanlifephilippinesofficial
Agile shall respond to confirm your notification within 3 working days.

Accomplish the Claims Form and submit the following requirements to Agile: Unit 2107 Antel Global Corporate Center, #3 Julia Vargas Avenue, Barangay San Antonio, Ortigas Center, Pasig City, Philippines 1605.

ACCIDENTAL DEATH OR UNPROVOKED MURDER	PERMANENT DISABLEMENT OR UNPROVOKED ASSAULT	MEDICAL REIMBURSEMENT OR UNPROVOKED ASSAULT
Accomplished Claims Form	Accomplished Claims Form	Accomplished Claims Form
Certified true copy of the insured’s Death Certificate	Incident Report	Incident Report
Police Report or Notarized Affidavit stating facts of the accident	Medical Certificate	Medical Certificate
Photocopy of the claimant’s valid ID	Medical Report	Original Receipts of medical expenses
Medical Certificate	Disability Certificate	Photocopy of the claimant’s valid ID.
Birth Certificate of the insured.	Pictures of insured’s injury	6. Statement of Account (if confined)
Official Receipt of funeral and burial services	Photocopy of the claimant’s valid ID	7. Prescription
Other documents that may be deemed necessary by the adjuster.

The claims benefit shall be released based on the following schedule, on the condition that ALL required and valid documents have been submitted by the claimants:
- Medical Reimbursement – within ten (10) working days
- Permanent Disablement – within ten (10) working days
- Accidental Death – within twenty (20) working days
- Unprovoked Murder and/or Assault – within twenty (20) working days
In cases of claims other than Death, benefit shall be payable to the Insured.
This policy shall become null and void if the Insured or his beneficiary/ies shall make any claim through fraudulent means or devices to obtain any benefit of this policy.

Paano mag-file ng claim?

Ang taga-ayos o tiga-facilitate ng iyong claims ay ang Agile Insurance Agency and Business Technologies, Inc.
Pagkatapos ng aksidente, ipagbigay alam ang aksidente sa Claims Officer ng Agile sa loob ng tatlumpung (30) araw. Maaaring tawagan ang Agile sa:
- JuanLife Claims Hotline: 02-8584-7598 or 0917-7062360
- Email: [email protected]
- Facebook Messenger: @juanlifephilippinesofficial

Hintayin ang sagot ng Agile sa loob ng 3 araw.

Sagutin ang Claims Form na ibibigay at i-submit ang mga sumusunod na requirements sa Agile: Unit 2107 Antel Global Corporate Center, #3 Julia Vargas Avenue, Barangay San Antonio, Ortigas Center, Pasig City, Philippines 1605

ACCIDENTAL DEATH OR UNPROVOKED MURDER	PERMANENT DISABLEMENT OR UNPROVOKED ASSAULT	MEDICAL REIMBURSEMENT OR UNPROVOKED ASSAULT
Accomplished Claims Form	Accomplished Claims Form	Accomplished Claims Form
Certified true copy of the insured’s Death Certificate	Incident Report	Incident Report
Police Report or Notarized Affidavit stating facts of the accident	Medical Certificate	Medical Certificate
Photocopy of the claimant’s valid ID	Medical Report	Original Receipts of medical expenses
Medical Certificate	Disability Certificate	Photocopy of the claimant’s valid ID.
Birth Certificate of the insured.	Pictures of insured’s injury	6. Statement of Account (if confined)
Official Receipt of funeral and burial services	Photocopy of the claimant’s valid ID	7. Prescription
Other documents that may be deemed necessary by the adjuster.

Kapag nasubmit ng claimant ang lahat ng required at valid documents, matatanggap niya ang kanyang benepisyo within the processing period.
- Medical Reimbursement – within ten (10) working days
- Permanent Disablement – within ten (10) working days
- Accidental Death – within twenty (20) working days
- Unprovoked Murder and/or Assault – within twenty (20) working days
Kung ang insured ay namatay sa aksidente, ang kanyang designated legal beneficiary ang makakatanggap ng benepisyo. Kung ang insured ay nakaranas ng kapansanan, ang benepisyo ay matatanggap ng insured.
Ang policy na ito ay mapapawalang bisa kapag napatunayang ang claims at ang mga dokumentong isinumite ay hindi totoo o hindi legal.
Para sa mga karagdagang tanong o impormasyon, maaaring tumawag sa 02-8584-7598 o mag-email sa [email protected]. Upang mas mabilis na makatanggap ng sagot, mag-message during our business hours mula 9am hanggang 5pm.

For inquiries, you may call our hotline 02-8584-7598 or email us at [email protected]
For urgent concerns, make sure to call or send a message during our business hours from 9AM to 5PM.

Para sa mga karagdagang tanong o impormasyon, maaaring tumawag sa (02) 8 584 7598 o mag-email sa [email protected]. Upang mas mabilis na makatanggap ng sagot, mag-message during our business hours mula 9am hanggang 5pm.