What is the Lockton Kaagapay Program?
Ang Lockton Kaagapay Program ay isang bundled insurance na nagbibigay proteksyon sa di inaasahang pangyayari. Ang coverage nito ay life, accident, hospitalization, at property protection.
Sa halagang 120 peos kada taon, ang bawat miyembro ng Pag-IBIG Loyalty Card o Pag-IBIG Loyalty Card Plus ay maaring makakuha ng microinsurance.
Who are eligible to get the Lockton Kaagapay Program?
Currently, Pag-IBIG Loyalty Card and Pag-IBIG Loyalty Card Plus holders can get the Lockton Kaagapay Program.
In the future, we will open the Lockton Kaagapay program to all Pag-IBIG Fund members. For non-cardholders, we highly encourage to get and enjoy the discounts and benefits of the Loyalty Card Plus.
How much is a unit of the Lockton Kaagapay Program? How often do I need to pay to get insurance coverage?
A unit of the Lockton Kaagapay Program is 120 pesos. You get insurance coverage for one year. You just need to pay the 120 pesos per unit one time and you get coverage for the eight benefits.
What do you mean by unit in the Lockton Kaagapay Program?
Unit means the Certificate of Cover (COC) or policy that one avails. Note that Pag-IBIG Loyalty Card and Pag-IBIG Loyalty Card Plus holders can get up to five (5) units per year.
What do you mean by a Loyalty Card / Loyalty Card Plus holder can get up to five units of the Kaagapay Program?
Ang bawat holder ay maaring kumuha ng hanggang limang units ng Kaagapay Insurance. Kung ikaw ay kukuha ng 5 units, ibig sabihin ang benefits at coverage mo sa Kaagapay Program ay magiging 5 times (5x). Tandaan na ang mga coverage sa Kaagapay Program ay subject sa Terms and Conditions ng policy.
Can an OFW get the Lockton Kaagapay Program?
As long as you are a PAG-IBIG Fund Loyalty Card / Loyalty Card Plus holder at ikaw ay kasalukuyang nanirahan sa Pilipinas ikaw ay maaring makakuha ng Kaagapay Insurance.
Kung ang isang Loyalty Card holder ay aalis papuntang ibang bansa o nasa ibang bansa, ang inyong policy ay temporarily suspended except for the Fire and Lightning Cash assistance. Upon return to the Philippines, your coverage resumes.
What are the benefits offered in the Lockton Kaagapay Program?
A unit of the Lockton Kaagapay Progam provides the following benefits:
a. Accidental Death Benefit – Php 22,500
b. Motorcycling (except racing) – Php 22,500
c. Accidental Disablement / Dismemberment – Php 18,000
d. Fire / Lightning Cash Assistance – Php 5,000
e. Ambulance Cash Benefit – Php 1,500
f. Hospital Cash Assistance (Accident and Sickness) – Php 1,000
g. Unprovoked Murder and Assault – Php 4,500
h. Natural Death Benefit – Php 4,500
What are the highlighted terms that I need to know about the Kaagapay Program?
Hospital Cash Assitance – 2-day waiting period applies and 1 incident per unit; does not cover pre-existing conditions; 14-day incubation period for hospitalization due to COVID-19
Ambulance Cash Assistance – 1 incident per unit
What professions shall only be entitled to only 50% of the insurance benefits except for Fire and Lightning (cash assistance benefit)?
• Professional racing, professional divers, and/or other professional sports
• Ships crew and/or stevedores
• Aviation crew
• Military service, armed forces, and police personnel
• Elective positions (e.g. Mayor, Brgy. Captain, Congressman, etc.
What is the motorcycling benefit?
The motorcycling coverage refers to Accidental Death due to Motorcycling. Important po na dapat nakasuot ng safety gear ang driver, may lisensya, at hindi ginamit ang motor for racing.
Kung ikaw ay pasahero ng motor, covered pa din po kayo ng motorcycling benefit ng Lockton Kaagapay Program. Kailangan lang po nakasuot ng proper safety gear at hindi ginagamit sa racing ang motor nung mangyari ang aksidente
Tandaan na basahin ang Terms and Conditions ng inyong policy for additional information.
Madaling Kumuha ng Kaagapay Program
Madali para sa miyembro ng Pag-IBIG Fund na kumuha ng Lockton Kaagapay Program. Internet connection at cellphone o computer lang ang kailangan.
No comments:
Post a Comment