What are the insurance plans offered by M Lhuillier? #
M Lhuillier offers Pinoy Protect Plus, Family Protect Plus, Pawners Protect, Family Protect, and Kwarta Padala Protect.
INSURANCE PLANS & SPECIAL PRODUCTS #
M Lhuillier has diversified into various products and services through its Affordable Insurance. With insurance as its core business, MLhuillier developed products and services in telecoms, food products, and ticketing services.
I. INSURANCE
The recently established M Lhuillier General Insurance Agency, Inc. is the company’s enabler to offer various life and non-life insurance products in partnership with reputable insurance companies such as:
AIA Philippines
Paramount Life & General Insurance Corp.
MAA General Assurance Philippines, Inc.
PhilLife Financials
The following M Lhuillier insurance products are available at any branches nationwide:
A. Personal Accident Insurance
| Pawners Protect (PHP10.00) | Kwarta Padala Protect (PHP5.00) | Family Protect (PHP30.00) | Pinoy Protect Plus (PHP50.00) | Family Protect Plus (PHP 99.00) | |
| Accidental Death | 30, 000 | 20, 000 | 30, 000 | 30, 000 | 30, 000 |
| Disablement /Dismemberment | 30, 000 | 20, 000 | 30, 000 | 30, 000 | 30, 000 |
| Motorcycling | 30, 000 | 20, 000 | 30, 000 | 30, 000 | 30, 000 |
| Burial Assistance | NONE | NONE | 10, 000 | 10, 000 | 10, 000 |
| Cash Assistance | NONE | NONE | NONE | 10, 000 | 10, 000 |
| Educational Assistance | NONE | NONE | NONE | 5, 000 | NONE |
| Fire Assistance | NONE | NONE | NONE | NONE | 5, 000 |
| Term | 4 months | 1 month | 1year | 1 year | 1 year |
| Qualified Ages | 18-65 | 18-65 | 7-70 | 18-75 | 18-75 |
| No. of Insured | 1 | 1 | 1 | 1 | 5 |
B. CTPL (Compulsory Third Party Liability) Insurance
| Vehicle Class | Annual Premiums |
| Motorcycle | PHP 296. 00 |
| Private Car | PHP 606.00 |
| Commercial Vehicle (Light & Medium) | PHP 656.00 |
| Commercial vehicle (Heavy) | PHP 1,246.00 |
| LTO (MC) | PHP 296.00 |
| LTO (Heavy) | PHP 1,246.00 |
C. Dengue RX
| Age | Annual Premium | Dengue Hospitalization Coverage (Consumable Reimbursement) | Accidental Death, Disablement, Dismemberment |
| Child (0-20 y/o) | PHP 500.00 | 30,000 | 10,000 |
| Adult (21-59 y/o) | PHP 150.00 | 30,000 | 10,000 |
D. Global Travel Protect Insurance
The country’s first comprehensive CASHLESS travel insurance package designed to provide medical and travel assistance anywhere in the world. In partnership with Ibero Assistencia of Spain, a pioneer in providing worldwide travel insurance, Paramount GTP Premium is designed for every international traveler’s needs. No matter where you are in the world, you have access to the help and support that you need.
1. Domestic Travel Insurance
2. International Travel Insurance
INDIVIDUAL
-0 to 75 years old at the time of insurance application
FAMILY PLAN
-Insured and spouse, 18 to 65 years old
-Children 0 week to 21 years old
-Maximum of 5 persons; 2 adults and eligible children
GROUP PLAN
-Minimum of 10 persons per trip who shall be leaving on the same day and with the same itinerary.
| Domestic Travel Plan Options | 1 Economy Php 500,000.002 | 2 Standard Php 1.5M | 3 Executive Php 2.5M | |||
| null | Individual | Family | Individual | Family | Individual | Family |
| International Travel Plan Options | 1 Economy Php 500,000.00 | 2 Standard Php 1.5M | 3 Executive Php 2.5M | 4 De Luxe USD 25,000 | ||||
| null | Individual | Family | Individual | Family | Individual | Family | Individual | Family |
| 5 Premium USD 25,000 | 6 De Luxe EUR 40,000 | 7 Premium EUR 60,000 | ||||||
| Individual | Family | Individual | Family | Individual | Family |
E. OFW Balik Manggagawa Insurance
Republic Act (RA) 10022, amending RA 8042, otherwise known as the Migrant Workers and Overseas Filipinos Act of 1995 where the Philippine Overseas Employment Administration (POEA) required all agency hired workers to be covered by a compulsory insurance policy, the POEA is also now requiring all returning overseas Filipino workers or Balik Manggagawa who are not registered with them or changed employers on-site to submit a Certificate of Insurance that is similar to benefits and requirements provided under the mandatory insurance coverage.
| OFW BALIK MANGAGAWA INSURANCE PREMIUM | No. of Months | Premium (US Dollar) |
| null | 6 months | $17.55 |
| 12 months | $34.82 | |
| 18 months | $52.37 | |
| 24 months | $69.74 | |
| 30 months | $87.00 | |
| 36 months | $104.56 | |
| 42 months | $121.80 | |
| 48 months | $139.20 |
F.) MEDICARE PLUS INSURANCE
ER GUARD
| Product Name: | ER GUARD |
| Coverage Limit: | up to P20,000.00 |
| Premium/Price: | P970.00 |
| Benefits: | Emergency Treatment & Care |
Outpatient Emergency Coverage
Physician's Services
Emergency Room Fees
Medicines used for immediate relief and During treatment
Initial treatment of animal bites
Laboratory, X-ray and other diagnostic examinations directly related to the emergency management of the patient.
ER GUARD PLUS
| Product Name | ER GUARD PLUS |
| Coverage Limit: | up to P50,000.00 |
| Premium/Price: | P3,315.00 |
| Benefits: | Emergency Treatment & Care |
Outpatient & Inpatient Emergency Coverage
Physician's Services
Emergency Room Fees
Room & board in case of confinement due to emergency
Medicines used for immediate relief and During confinement
Initial treatment of animal bites
Laboratory, X-ray and other diagnostic examinations directly related to the emergency management of the patient.
G.) MEDIPHONE INSURANCE
Mediphone is basically a 24 hour medical assistance service which allows the client to speak to a doctor and obtain medical advice through telephone calls, messenger or by using mobile app.
| QUALIFICATION | PREMIUM |
| No Age limit | 250.00 |
Bundle with Personal Accident Insurance worth Php 25,000.00
II. SEA & AIR TICKETING SERVICES
To meet the demands of the increasing number of travelling Filipinos, M Lhuillier partnered with different airlines, shipping lines, bus lines, and other travel/tour providers.
Below is the list of tickets available at any M Lhuillier branches nationwide:
A. Biyahe.com
Cebu Pacific
Philippine Airlines
Air Asia
B. 2GO Travel
SuperCat
Trans Asia
C. GI Corp Philippines BIyahe Ko
BiyaheKo is a product of our organization to address the increasing demands of many agencies to develop and coordinate quality travel and hospitality products and services to their growing clients. At the moment, the BiyaheKo offers full-range services from airline bookings and reservations to customized holiday packages and tours to even mobile reloading and bills payment.
GI Philippines Corp BiyaheKo offers a wide variety of services.
1. Airline Ticketing (Domestic & International)
2. Ferry Ticketing (OceanJet & 2Go)
3. Bus Ticketing (Philtranco & Bicol Isarog)
4. Holiday Packages & Tour (Domestic & International)
5. Hotel Bookings
6. Visa Assistance Processing
III. MERCHANDISE
A. Dried Fruits Products
M Lhuillier manufactures a wide variety of food products through its subsidiary - M Lhuillier Food Products, Inc.
Dried Mango
Dried Pineapple
Dried Mango-Tamarind
Dried Jackfruit
Dried Coconut
Dried Mixed Fruits
B. ML Water – Mont St. Michel Purified Drinking Water
350 ml
600 ml
1L
1.5L
5 gal
What are the requirements for insurance claims? #
To make a claim, here are the things you need to prepare:
Original Copy of the Certificate of Insurance (COI)
Incident, Police, or Barangay report
Properly filled-up personal accident claim form
Medico-legal or death certificate
Insured person’s valid I.D. card
Birth certificate (if single); Marriage contract (if married)
Beneficiary’s birth certificate
Proof of transaction with ML branch
How can I claim the insurance? #
Step 1: #
The claimant shall report the incident at any M Lhuillier branch nationwide. FLA shall notify ISPD of the incident.
Step 2: #
Notice of insurance claim should be made within thirty (30) days after the date of the accident to avoid denial of the claim.
Step 3: #
ISPD will provide a list of requirements to the branch for the claimant’s completion.
Step 4: #
Once the claimant completes the requirements, the case will undergo evaluation and investigation.
Step 5: #
Should there be no additional requirement and the case has been evaluated and approved, check payment will then be processed for the rightful beneficiary.
