Passenger Protection with Philinsure

FREQUENTLY ASKED QUESTIONS

As of xx April 2024

What is Bus Passenger Protection Insurance and who is the insurance company covering the risk?

Bus Passenger Protection Insurance is a coverage embedded within your bus ticket provided by Philinsure. It safeguards passengers against various risks during their bus journey, including accidental death or disablement, unprovoked murder and assault, accidental medical expenses, burial assistance, and loss of belongings.

The risk is underwritten by Cibeles Insurance Corporation, one of the country’s most robust and fastest-growing non-life insurance companies. With over five decades of service excellence and a reputation for prompt and efficient claims servicing.

What does the coverage include?

The coverage includes:

• Accidental death or disablement: Up to Php 30,000.00 per passenger/ticket.
• Unprovoked murder and assault: Up to Php 30,000.00 per passenger/ticket.
• Accidental medical reimbursement: Up to Php 3,000.00 per passenger/ticket.
• Burial assistance: Up to Php 3,000.00 per passenger/ticket.
• Loss of belongings: Up to Php 1,500.00 per passenger/ticket.

Note 1: Php 34,500.00 maximum coverage per passenger/ticket.

Note 2: the coverage is enforced only while the passenger rides the vehicle.

Is there a deductible for this insurance policy?

With our Bus Passenger Protection Insurance, there are no deductibles to worry about. That’s right – zero deductibles! We provide straightforward coverage without any out-of-pocket expenses on your end. So, rest assured knowing that you’re fully protected from the moment you step onto the bus. Enjoy your journey with peace of mind, knowing that we’ve got you covered every step of the way.

Where can I find more information about this insurance policy?

For more information about the Bus Passenger Protection Insurance, please contact Philinsure directly at [insert email] or at +6391XXXXXXX.

How do I file a claim in case of an incident?

Filing a claim is a straightforward process. Firstly, contact the dedicated claims department at the Cibeles Hotline by dialing (02) 8242-1631 to 40. Cibeles experienced team will guide you through the necessary steps to ensure a smooth claims process.

What documents do I need to prepare when filing a claim?

When filing a claim, it’s essential to have the following documents ready:

• Police Report or Incident Report
• Medical Records
• Original Medical Receipt

For accidents specifically, ensure you also have:

• Valid ID with Specimen Signature
• Medical Certificate
• Medical Abstract
• Section B – Personal Accident Form
• Official Receipt of Medical Expenses
• Death Certificate (for Personal Accident Death/Murder/Assault Claims)
• Photos of Incident/Claimant (if available)