Insurance plans offered by M Lhuillier:
ML Insurance offers various lines of products such as personal accident, motor.vehicle, health, HMO, property/calamity, and life insurance.
M Lhuillier also offers other products and services such as telco loads, game loads, food products, and ticketing service.
M Lhuillier has collaborated with reputable insurance companies in the Philippines to provide accessible insurance products for Filipinos.
HMO
ER GUARD
| Product Name | ER GUARD |
| Coverage Limit: | up to P20,000.00 |
| Premium/Price: | PHP 970.00 |
| Qualified Ages: | 15 days old-60 years old |
| Benefits: |
|
- Outpatient Emergency Coverage
- Physician's Services
- Emergency Room Fees
- Medicines used for immediate relief and During treatment
- Oxygen, intravenous fluids and blood products (except gamma globulin, immunoglobulin)
- Dressings, plaster casts, sutures and other medical supplies
- Initial treatment of animal bites, cost of vaccines limited to Passive and Active vaccine for anti-tetanus, anti-venom and anti-rabies (Initial treatment covered for the first 24hrs from the time of bite subject to ABL. Cost of vaccine up to P2,500 as first dose only)
- 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: | PHP 3,315.00 |
| Qualified Ages: | 15 days old-60 years old |
| Benefits: |
|
- Physician's Services
- Emergency Room Fees
- Oxygen, intravenous fluids and blood products (except gamma globulin, immunoglobulin)
- Medicines used for immediate relief and During confinement
- Initial treatment of animal bites, cost of vaccines limited to Passive and Active vaccine for anti-tetanus, anti-venom and anti-rabies (Initial treatment covered for the first 24hrs from the time of bite subject to ABL. Cost of vaccine up to P2,500 as first dose only)
- Laboratory, X-ray and other diagnostic examinations directly related to the emergency management of the patient.
In-Patient Care
- Room and Board (Ward) accommodation in case of confinement due to emergency care, (including the use of ICU, OR, Recovery and Isolation Rooms)
- Professional fees
- Standard Nursing services
- Medications during confinement
- Blood product transfusions
- Oxygen and its administration
- Anesthesia and its administration
- Routine procedures
- Diagnostic procedures
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 |
*Additional ₱100 for the Certificate of Validation.
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 |
- Dengue RX is a reimbursement plan that provides medical benefits of up to PHP 30,000 when the insured is confined due to Dengue illness.
- Available to adults aged 21 to 59 years old, and for children aged 0 to 20 years old.
- It also provides up to PHP 10,000 accidental death and disability benefits.
- Pays benefits even if the illness is already covered by a private HMO (with required certified true copies of documents and medical certificate).
- Claims are paid within 15 days (upon submission of complete claims documents).
MoskiBite
| Age | Annual Premium | Dengue Cash Assistance | Dengue RX Rider (Medical Reimbursement) | Accidental Death, Disablement, Dismemberment |
| Child (0-20 y/o) | PHP 250.00 | 5,000 | 10,000 | 10,000 |
| Adult (21-59 y/o) | PHP 250.00 | 5,000 | 10,000 | 10,000 |
- MoskiBite is a new product under PhilLife that provides cash assistance amounting to PHP 5,000 when the insured is diagnosed with Dengue Fever without warning signs even without confinement.
- Covers Severe Dengue, Dengue Hemorrhagic Fever, or Dengue with warning signs.
- Covers Japanese Encephalitis.
- Covers Zika Virus Infection.
- It also has a Dengue RX rider that provides medical reimbursement of up to PHP 10,000 when the insured is confined due to Dengue illness.
- Available to adults aged 21 to 59 years old, and for children aged 0 to 20 years old.
- It also provides up to PHP 10,000 accidental death and disability benefits.
- Pays benefits even if the illness is already covered by a private HMO (with required certified true copies of documents and medical certificate).
- Claims are paid within 15 days (upon submission of complete claims documents).
Econsultation
| OKIEDOK MONTHLY | OKIEDOK QUARTERLY | OKIEDOK YEARLY |
| PHP 50.00 | PHP 140.00 | PHP 400.00 |
| Up to 2 teleconsults per month | Up to 7 teleconsults per month | Up to 36 teleconsults per month |
| Renewable every month | Renewable every 3 months | Renewable annually |
| Access to a primary care doctor via teleconsultation | Access to a primary care doctor via teleconsultation | Access to a primary care doctor via teleconsultation |
| Valid for 30 days | Valid for 90 days | Valid for 12 months |
| Qualified Ages: 15 days old – 60 yrs. old | Qualified Ages: 15 days old – 60 yrs. old | Qualified Ages: 15 days old – 60 yrs. old |
Personal Accident Insurance
| Coverage | Number of COIs | ||||
| 1 | 2 | 3 | 4 | 5 | |
Accidental Death (except motorcycling) | 10,000 | 20,000 | 30,000 | 40,000 | 50,000 |
Dismemberment / Disablement (due to accident) | 5,000 | 10,000 | 15,000 | 20,000 | 25,000 |
Unprovoked Murder & Assault (resulting to death) | 5,000 | 10,000 | 15,000 | 15,000 | 15,000 |
Motorcycling (resulting to death / dismemberment / disablement) | 5,000 | 10,000 | 15,000 | 15,000 | 15,000 |
Burial Assistance (Death due to accident / motorcycling) | 3,000 | 6,000 | 9,000 | 10,000 | 10,000 |
Accident Medical Reimbursement (due to accident) | 2,000 | 4,000 | 5,000 | 5,000 | 5,000 |
| Premium | PHP 20 | PHP 40 | PHP 60 | PHP 80 | PHP 100 |
Property/Calamity
| Coverage | Amount |
Accidental Death and DisablementLimit : Motorcycling death/disablement pays only 50% of the benefit (Php 25,000.00) | PHP 50,000.00 |
Fire/Flood Loss Assistance | PHP 15,000.00 |
*Residency: Owned and Rented are allowed.
About this Plan
Affordable, short-term coverage that protects your home and family from accidents, fire, and flood-related losses.
General Claim Requirements
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 to File a Claim
The claimant shall report the incident at any M Lhuillier branch nationwide. FLA shall notify ISPD of the incident.
Notice of insurance claim should be made within thirty (30) days after the date of the accident to avoid denial of the claim.
ISPD will provide a list of requirements to the branch for the claimant’s completion.
Once the claimant completes the requirements, the case will undergo evaluation and investigation.
Should there be no additional requirement and the case has been evaluated and approved, check payment will then be processed for the rightful beneficiary.
Interested on an insurance plan?
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