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Accident Insurance

Accident Insurance

For You and Your Loved Ones

Accidents are part of everyone's life and it's best to be prepared. Preventing the consequence of accidents that affect you and the ones you love most will help you to live your life with confidence. Here you can find the best insurance solution for accidents. Choose your preferred personal accident insurance with coverages and benefits that answer to your and your beneficiaries’ immediate emergency assistance needs.

Accident Insurance Breadwinners Families

Accident Insurance for Breadwinners and Their Families

Accident Saver's Advantage Plan 

As mother or father you know the amount of effort and sacrifice entailed in providing the best future for your children. What consquences will you face in the event of serious accident of the family breadwinner? This accident insurance is designed to protect your family against the consequences of an unexpected fatal accident of your family breadwinner.

Accident insurance that is ideal for the breadwinner of the family. It provides protection for the head of the family and the family members in case of death or permanent disability of the head or breadwinner due to an accident. This comprehensive personal accident insurance includes additional assistance benefits aside from the standard accidental death and permanent disability benefits. Examples of the additional assistance benefits of the package are funeral/burial assistance, monthly shelter allowance for the family, yearly educational assistance, and annual hospitalization benefit for dependents.

We offer two types of plans: Plan 500 and Plan 1000. Each plan covers you anywhere in the world, 24 hours a day.


Benefits Payable
Accidental Death Plan 500 Plan 1000
Death Benefit - lump sum amount Php 500,000 Php 1,000,000
Funeral/Burial Assistance 25,000 50,000
Family's Monthly Shelter Allowance for 1 year 5,000 10,000
Yearly Educational Assistance (per child, for 5 years, up to 4 children) 30,000 50,000
Annual Hospitalization of Dependents(up to 5 years) 10,000 20,000
Accidental Permanent Disablement
Total and Permanent Disablement (total loss of both eyes/ two limbs/ both limbs/both feet) 500,000 1.000,000
Monthly Pension for 1 year 5,000 10.000
Medical Reimbursement 10,000 20,000
Hospital Cash Protection

Hospital Cash Protection

Hospital Cash Protection Plan

Being confined can be costly. Protect yourself from the many hospital fees you will have to pay during confinement. The Hospital Cash Protection Plan is a hassle-free plan that provides you with a fixed daily cash benefit in case of hospital confinement due to a sickness or injury.

We have two plans you may choose from based on your protection needs: Plan 1000 and Plan 2000.


Plan 1000 Plan 2000
Daily Cash Benefit Php 1,000 Php 2,000
ICU Confinement 1,500 3,000
Surgical Benefit 10,000 20,000
Personal Accident 250,000 500,000

Other Features:

  • Hospital CASH BENEFITS paid directly to YOU, not to a doctor or hospital.·

  • NO MEDICAL EXAMINATION required. Just fill-out the application form and choose the plan that suits your needs.· 

  • All hospitalization benefits start from the FIRST DAY of confinement.·

  • PLAN CAN BE EXTENDED TO COVER:Your SPOUSE up to 100% of the principal benefits.Your dependent CHILDREN, single & up to 21 years of age at 75% of the principal benefits.·

  • LOW and AFFORDABLE premium·

  • CONVENIENT PAYMENT OPTIONS - annual, six months or three months payment mode.

NO CLAIM BONUS: If you do not claim for consecutive years, you get a 10% increase in hospitalization benefits per year, up to a a maximum of 50%. Here are the maximum limits you may get from the NO CLAIM BONUS special feature.


Maximum No Claim Bonus
Plan 1000 Plan 2000
Daily Cash Benefit Php 1,500 Php 3,000
ICU Confinement 2,250 4,500
Surgical Benefit 15,000 30,000
Household Employee Accident Insurance

Household Employee Accident Insurance

Household Employee's Plan

A personal accident and daily hospitalization cash plan especially designed for helpers. 

There are three plans to choose from:


Benefits Plan 50 Plan 100 Plan 150
Accidental Death & Permanent Disablement Php 50,000 Php 100,000 Php 150,000
Accidental Medical Reimbursement 5,000 10,000 15,000
Daily Hospital Income (maximum of 15 days accident and covered illnesses) 200/day 200/day 200/day
Unprovoked Murder and Assault 50,000 100,000 150,000
Accidental Burial Expense 5,000 10,000 15,000

Special Features:

  • Transferability of the insured household helper up to two times during the policy period

  • No medical examination required

  • Double accidental death benefit if the household help is riding in the employer’s owned vehicle.

PREMIER Personal Accident Insurance

PREMIER Personal Accident Insurance

Superior Personal Accident Insurance Plan*

Superior and comprehensive personal accident insurance with readily available high coverage up to a maximum of Php 5,000,000.00. There are four plans to choose from depending on your desired limit.


Benefits Plan 1 Plan 2 Plan 3 Plan 4
Accidental Death & Disablement Php 2,000,000 Php 3,000,000 Php 4,000,000 Php 4,000,000
Unprovoked Murder and Assault 2,000,000 3,000,000 4,000,000 4,000,000
Medical Reimbursemen Php 100,000
100,000
Burial Expense

*Note: Available for class A, B and C occupational risks. See the complete list here.


For more information about the products, call our Teleservice hotline (02) 876 - 4400 or email us at teleservice@mapfreinsular.com

Other Accident Insurance Solutions from MAPFRE INSULAR:

  • Accident Insurance for Employees

    Accident Insurance for Employees

    Are you looking for accident insurance for your employees? We have a group personal accident insurance solution that you may customize based on the coverage you want for your employees.

    See more

Disclaimer: This website contains only a general description of coverage and is not a statement of contract. Coverage is subject to the exclusions and conditions of the actual policy. Policy applications are subject to the approval of MAPFRE INSULAR.
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