Core benefits

Optional benefits

• Death benefit - sum assured plus fund value (minus any Early Stage Cancer payout). The policy terminates once this is claimed.

• Early Stage Cancer - in the event the insured is diagnosed with early stage cancer, the insured will receive a cash benefit equal to 50% of the sum assured*. The coverage continues even if this benefit is claimed.
  *Subject to a cap of PhP 1.5 million for 0 (30 days) to 17 years old and PhP 3.75 million for 18 to 60 years old.

• Late Stage Cancer - in the event the insured is diagnosed with late stage cancer, the insured will receive a cash benefit equal to 100% of the sum assured less any early stage cancer benefit payout plus Fund Value. The policy terminates once this is claimed.

• Hospital Income Benefit - provides daily benefit of 0.125% of sum assured, subject to a maximum of PhP 10,000 per day if hospitalized due to Early Stage or Late Stage Cancer.

• Post-hospitalization Benefit - Gives a lump sum amount of PhP 5,000 for a specialist visit due to Late Stage Cancer following hospitalization discharge for said illness.

• Maturity Benefit - in case the insured reaches age 85, 100% of the sum assured less any early stage cancer payout plus fund value of the plan’s investment component will be given.

Protection against accident, death, and disability:

• Accidental Death and Disablement -
  an additional cash benefit in case the insured meets an accident that results in bodily injury, death or disability

• Non-accelerated Total and Permanent Disability - an additional cash benefit if the insured becomes totally and permanently disabled due to bodily injury or disease

• Payor Term - additional cash benefit given if the payor stated in the policy dies

• Payor Waiver of Regular Premium Benefit - waives all future premiums falling due if the payor dies or becomes totally and permanently disabled

• Waiver of Premium on Total and Permanent Disability - exemption from paying the succeeding premiums if the insured becomes totally and permanently disabled

Protection against other critical conditions:

• Select Top 4 Critical Illness Benefit - Provides additional benefits for covered late stage critical illness conditions with hospitalization benefits until age 85 of the Life Insured.

• Select 52 Critical Illness Benefit - Provides additional benefits for covered late stage critical illness conditions with hospitalization benefits until age 85 of the Life Insured.